23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows a XXXX delinquent bill to XXXX XXXX bank. It is listed as overdue since XX/XX/2022. I do not have any accounts or credit cards with XXXX XXXX. I have called XXXX and verified that they do show a delinquent account in my name. They indicated that I needed to fill out this form to help them verify that it is a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX # XXXX These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, oth
er than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally and urgently request the immediate removal of all accounts associated with my bankruptcy proceedings. 
Account name : XXXX XXXXXXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX, XXXX. Account Date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX  XXXX Account Date : XX/XX/XXXX Account name : XXXX Account Date : XX/XX/XXXX As per the stringent regulations and procedures governing bankruptcy, it is absolutely imperative that all accounts implicated in my bankruptcy undergo immediate and comprehensive expungement from all pertinent databases and records. Failure to rectify and update these closed accounts under my bankruptcy status is not only a breach of legal protocol but also warrants serious legal repercussions, for which I shall not hesitate to pursue necessary legal action. 

This directive is not merely a procedural formality ; rather, it represents a critical juncture in facilitating my financial recovery and ensuring a fair and just resolution to my financial obligations. 

The expeditious removal of these accounts is not only in accordance with the legal framework governing bankruptcy proceedings but also serves as a fundamental step towards restoring my financial stability and confidence. By swiftly eradicating any remnants of these accounts, we demonstrate our commitment to upholding the integrity of the bankruptcy process and honoring the principles of equity and fairness. 

Moreover, the prompt deletion of these accounts serves to preempt any potential complications or discrepancies that may arise in the future. It significantly streamlines the process of assessing my current financial standing and alleviates any unnecessary burdens or impediments hindering my efforts to regain financial independence. 

In light of the gravity of this matter, I implore all relevant parties to act swiftly and decisively in executing the requisite steps to remove all accounts associated with my bankruptcy proceedings. Your cooperation in this regard is not only mandated by law but is also indispensable in facilitating my journey towards financial rehabilitation and empowerment. 

I kindly request acknowledgment of receipt of this letter and request regular updates on the progress of the account removal process. 

Thank you for your immediate attention to this urgent matter.
Product: Debt collection

Continues to call repeatedly while I am at work. It is bothersome. Has been contacting family members or anyone that knows me. It is embarrassing. The phone number they are calling from is : XXXX as well as numerous other phone numbers.
Product: Debt collection

FCDPA 805 ( b ) FCDPA 808 ( 1 ) FCDPA 807 FCDPA 807 ( 6 ) We used to live at XXXX XXXX XXXX XXXX XXXX XXXX. 

This collector was sending collection letters to the above address when we no longer lived there. The Landlord/Homeowner of the previous address wrote " Does not live here '' on front envelope and returned the postage. 

XXXX then responded asking for an update on my current address and was sending mail to my new address before I had submitted a change of address with the USPS, how was this information obtained? 

Second issue is XXXX has illicitly refused to work with PayPal in correcting this. I had reached out to PayPal asking as to why I had a collection against me as I had stopped trying to do XXXX and had requested PayPal decommission my account. They never did. A unauthorized Charge for {$9.00} was submit to my PayPal account and as I had no money in it with orders to close it then processed to PayPal credit. 

PayPal never sent any notification or Correspondence. This whole time I didn't know I still even had a PayPal account until I got a collection letter from XXXX for {$270.00}. 

The original {$10.00} charge had sat accruing fees until is reached the insane amount it is. I was never notified, never given a chance to pay, they hid this from me. 

When talking to a PayPal rep I was notified that when an account is " Charged off '' it is no longer in the merchants interest to pursue, but if the debt buyer is willing to cooperate then the issue may be returned and resolved between the merchant and consumer. 

The 3rd party collection agency will not return it to PayPal as the rep had stated and I would have to " take it up with them '' So I don't understand how PayPal can violate the FDCPA by racking up fees and late charges on an account I ordered to be closed with a {$0.00} balance and {$0.00} in debt then avoid liability by selling it off for a comprehensive {$270.00}. I have contacted the Collector and spoke to a supervisor woman ( XXXX or XXXX ) who told me they do not care about the circumstance and that I owed {$270.00} or I can just leave it and my decision will reflect on my credit.. 

I believe they have violated the FDCPA because they showed XXXX the purchase of debt, but can not provide the original contract or proof that I agreed to all these fees and upcharges. 

They also do not have a California License number and still do not at the time of sending these letters They still have inaccurate information as my address has changed again and they are disputing the account with an address I havent lived at for over 5 years. I am uncomfortable directly communicating with this collector after their behavior and renegade path to retribution. Way out of bounds here
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued concern and frustration regarding the second unsuccessful attempt to remove fraudulent items from my credit file with Credit Bureaus. Despite my previous communications and efforts to rectify this issue, the unauthorized entries persist, causing considerable distress and potential harm to my financial standing. 


Discovered unauthorized and fraudulent entries on my credit report. 
Immediately reported the fraudulent items to your dispute resolution department, providing all necessary details and supporting documentation. 

Received acknowledgment of my initial dispute but witnessed no immediate action on the removal of the fraudulent entries. 

Followed up with the dispute resolution department to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items remain on my credit report after the second attempt, causing additional stress and potential financial repercussions. 

I understand that resolving these matters can be complex, but the persistence of these fraudulent entries is highly concerning and unacceptable. 

I urgently request the following actions : Immediate and thorough re-investigation into the fraudulent entries on my credit report.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent entries from my credit report and a confirmation of their removal.

Assurance that my credit report will be accurately updated, reflecting the successful removal of the fraudulent items. 

Compensation for the inconvenience, stress, and potential financial impact caused by the delayed resolution and second unsuccessful attempt. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Many over drafts..I was XXXX cent over and was charged {$36.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian offers a credit boost which list after three consecutive payments of bills such as phone bill, electric etc they will add a boost to your credit score. I have made more than three payments to each account on my Experian credit boost report but its still only reflecting two payments.

Ive tried calling to get an explanation as why after my thrived payment my credit score has not changed nor its reflecting the third payments on my credit report in order to receive the boost they couldnt give me a real explanation and Im using the same bank account linked to my boost that took the first two payments
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Opened on XXXX XXXX, XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. The original loan maturity date was XX/XX/XXXX. I feel behind on payments but eventually caught up and made all payments and paid the vehicle off in XX/XX/XXXX by sending a payment of {$1800.00}. We contacted XXXX XXXX which is now Bridgecrest about obtaining the pink slip. Bridgecrest claimed we owe {$5900.00} in unpaid interest. We explained to Bridgecrest that this can not be possible because whenever I made a payment I made the full payment plus the late fees that were added per their websites listed amount due. After making a few additional calls to the company, we were eventually told we can not locate you account. I am trying to purchase a home and when I ran my credit, I discovered that Bridgecrest had reported the account to all three credit bureaus as a charge off. Ive made multiple attempts to resolve this issue through Bridgecrest to no avail. I would like my pink slip and the account properly reported to the credit bureau as paid in full.
Product: Money transfer, virtual currency, or money service

Im writing to normally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions are infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX ran a hard inquiry on my credit report. I called XXXX the day I got the day the alert came from the Credit Bureaus that my credit was ran. I spoke to XXXX, she advised me it was an error on XXXX 's end. She provided me with the address to get the dispute taken care of. However, she told me I will need to wait a few days because the application she found didnt have an account number attached to it and I will need it to dispute the hard inquiry. After, I didnt receive anything with an account number, I called back on the XX/XX/XXXX and rep was able to close the account but still was unable to provide me an account number. 

I have written several letters to XXXX and the three credit bureaus ; TransUnion, XXXX and XXXX. XXXX has removed the inquiry because of the fraud that happened and have placed a fraud alert on my account since XXXX of 2020. However, TransUnion and XXXX is refused to remove the inquiry even though the inquiry is marked as fraud. 

I reached out to the police department and they advised because I never recieved a card, it isnt a crime. So I couldnt file a report. I was advised to reach out to CFPB to get a report filed and try to get it removed this way. 

As a consumer I need some help to get this fraud off my account. I am tired of large companies being bullies.
Product: Credit reporting or other personal consumer reports

I was told when I purchased a vehicle that it wouldnt affect my credit score and that wasnt the case it is hindered me from buying anything else and that is unconstitutional to my rights
Product: Payday loan, title loan, personal loan, or advance loan

When I applied for this loan, I could have sworn the original paperwork advised a 9 % interest rate. As it turns out the interest rate charged was 59 % APR. I borrowed {$8100.00} ... .after all payments were made, I paid back over XXXX. The XXXX of Georgia as my understanding has a 35 % cap on loans of this kind. When I signed the paper work it was at a time in my life when I was under a lot of duress as my husband was in XXXX XXXX and XXXX. He passed away XX/XX/XXXX, XXXX If the interest rate at the time was known to me, I never would have signed this loan.. I would like to know if there are any avenues that I can take to recoup some of the interest that was paid to this company. There should be red flag warnings associated with this company. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up formally to dispute inaccurate information that remains on my credit report despite my previous attempts to resolve this matter. This is my attempt to correct the incorrect late open accounts listed on my credit report. Despite these efforts, the inaccuracies persist. The incorrect late open accounts are adversely affecting my credit score and causing me significant distress and inconvenience. 
I urge you to correct these errors promptly and send me an updated copy of my credit report. Please also provide me with the results of your re-investigation in writing. I believe the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute information and expect a timely and accurate correction. These are the accounts I want to be corrected : XXXX XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$100000.00}.
Product: Checking or savings account

My online banking account was blocked by Ally bank due to a potential fraud with a XXXX transaction. Someone who wanted to buy my car had disputed the amount paid for deposit of the car and Ally bank blocked my account with no farther information. 
I have a written contract with the person who I received the money from and had provided the contract to Ally for verification purposes but did not receive any feedback. 
Its been 6 days since my account is blocked and I can not make or receive any payments. 
I tried calling customer service multiple times unfortunately they either hanged up the call or had no answer for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, regulators, national law offices and consumer advocacy groupsplease help!! 

I have given Experian a current copy of my credit report, that can be opened, that specifies what items I am disputing. 

Experian is claiming they can not open that file given to them. They response by saying they will be instead be mailing me a new report so I can start a new complaint with that report and that I should specify what items I am disputing. 

There is no need to do that because I already have my most recent credit report, I have already specified which items I am disputing, and the complaint totality has already been assembly. 

Experian, according many consumer online boards complaints, is being difficult in starting a dispute, outright refuses to start one or is simple ignoring a complaint by providing a bogus reasons such as the one given to me on my closed CFPB complaints. 

XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX EXPERIAN IS NOT BEING PROPERLY REGULATED TO ENSURE CONSUMER PROTECTION, AS SUCH, THEY HAVE SUCH A XXXX RESPONSE ON CONSUMER COMPLAINTS. 

Please help. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; ( XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX 's XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX XXXX XXXX. 
Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX  XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX Please removed show as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously diputed inaccurate information on Equifax from XXXX XXXX Account Number xxxxxxxxxxxx XXXX ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER This is incorrect. 
The information was not updated. Conflicting data reporting Example : Date of First Delinquency XX/XX/2018 But shows XX/XX/2018 paid as agreed Also no data entered for several months ( XX/XX/2018 etc.. ) I feel they are ignoring my letters. 
Section 611 states that failure to investigate these items within 30 day gives reason to immediately delete inaccurate information.
Product: Credit reporting or other personal consumer reports

Since at LEAST XXXX, Experian has repeatedly failed to verify my identity. I have even set up an account with them to be able to lock my credit report. No problem with that. I have sent pictures of my drivers license ( more than once ) and answered all of their questions. Yet, they STILL tell me " I'm sorry Sir, but I'm unable to verify your identity at this time. '' Because the state of Illinois uses Experian for identity verification, every time I try to apply for a state program, I CAN NOT finish the application because something is BROKEN at Experian. I have had no problems with identity with many other entities, including federal agencies ( VA ) but this issue goes ON and ON and ON. 

I have spoken with Experian, but of course, they can tell me nothing. 

I am XXXX XXXX XXXX and have XXXX XXXX XXXX XXXX and a host of other problems, making walking difficult. I am on XXXX  XXXX. Experian suggests I drive the 10 or so miles to the local office to finish my application. Not very helpful. 

I would like this issue to be resolved once and for all. Any assistance you can give me would be MUCH appreciated! 

Thank you, XXXX XXXX XXXX