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

My name is XXXX XXXX and I'm a natural man submitting this complaint on the behalf of myself without any third party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, Equifax and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Product: Debt collection

I have attempted to remove this from my credit since college and it has caused my credit score to dive tremendously. This is the only debt I owe in collections and this debt does not belong to me. I do not know how to prove that something that I do not know about belongs to be. This is extremely frustrating because I have paid all of my cards/loans on time and I have no other debt. This is the only negative thing on my credit and I would really appreciate if it was removed. There is no way possible that I will be paying this debt as it does not belong to me at all. The company keeps saying this is accurate but I can assure that it is not and Im even willing to go to court if needed to prove my character and past credit history. Please remove immediately! In accordance with the Fair Credit Reporting act Portfolio Recovery Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. states I have a right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The company is IQ data and they are still taking my money after disputing and they have proof they its waived off and its under process and they are threatening that non-payment within 15 days would affect my credit score! 

Her name is XXXX XXXX and my account number is XXXX. 

And during the pandemic she is not waiting to see the final dispute result instead threatening me. 

Their number is XXXX
Product: Debt collection

I did not receive validation of this debt from Midland at any point. Furthermore, Midland has re-aged this debt which is a clear violation of the FCRA and my consumer rights. On my XXXX report, Midland shows the date opened as XXXX/XXXX/11. The account was closed with XXXX XXXX XXXX on XXXX after it was XXXX days past due. The FCRA states that a collection company can only list the original delinquency date, not the date they purchased the debt. This inaccurate information has been on and is continuing to damage my XXXX credit file. I hold Midland responsible for this FCRA violation. I will include supporting documentation. Please remove this damaging and incorrect information from my XXXX credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aargon Agency is reporting a collection on my credit reports that is a fraud account. I had my mail stolen a few years ago and filed a police report when this happened, but just recently saw a copy of my credit report which alerted me to this fraud. I have never had any ties to Nevada and certainly never started utilities service anywhere in Nevada. I spoke with both Aargon and XXXX XXXX numerous times but this issue is still not resolved. When I spoke with XXXX XXXXXXXX I learned they had misspelled my name when opening the account, and whoever opened this fraudulent account made one payment using XXXX XXXX XXXX which I have never used.
Product: Credit reporting or other personal consumer reports

I was sued in court by Pollack & Rosen on behalf of XXXX XXXX and I had to Hire an attorney to work on my behalf and I paid them in full the full {$2900.00} and received a settled in full with a {$0.00} balance. However once it was updated with three credit bureaus they updated it as owing {$330.00}. My lawyer informed me this will be updated to {$0.00} once paid in full and Pollack & Rosen stated the same information. I called XXXX and they are trying to make me pay more money!!!! This is seeming very scammy and I need this updated as this is hindering me from getting a house and I am a business owner and they are questioning this as I am getting business credit for my business.
Product: Debt collection

This information on my consumer report is a result of identity theft. I never provided written permission or instructions for the identified transactions to be reported or furnished on my consumer report. I am requesting for the second time that the reporting of this information be blocked and deleted. 


The reporting and collection agency alleging this debt responded to my initial request on XX/XX/year>, however this response did not address my request and requirements for listing such information on my consumer report at all. This third-party collection agency failed to validate this alleged debt, and did not provide any agreement between myself and their company, nor any wet-ink signature as proof of us entering any agreement together.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 that tracking these transactions was unfeasible. The CFPB 's 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. 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 that tracking these transactions was unfeasible. The CFPB 's 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 of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2020, I sent a virtual currency by mistake to my Coinbase account address. They do not support this currency on their platform, however the token is XXXX just like the wallet address and on etherscan ( used to see blockchain wallets and transaction ) I can see the tokens in their host wallet. 

They refuse to send the tokens back to the sender address, in spite of it being an XXXX wallet which means it would be easy to do so. Their claim is that they don't want to open that wallet manually using private keys, but their own terms state " private keys associated with a specific address are virtually inaccessible outside of extremely limited circumstances. '' - implying there are limited circumstances they would access a wallet aka they *can* if it was a priority for them. 

So basically I sent {$12000.00} in a virtual currency which is now in a Coinbase wallet, and they've verified they could access the wallet and send it back but are refusing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX  XXXX Account # XXXX and XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A States that I have a rights to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer report agency can not furnish a account without my written instructions
Product: Debt collection

I have a bill from FMA alliance with a debt by XXXX XXXX. I dont recall this debt at all
Product: Credit card or prepaid card

I'm writing to report a gift card scam that I fell victim to on XX/XX/XXXX. I purchased three XXXX gift cards from XXXX, each with a value of {$200.00}, at the request of an individual who claimed to be the CEO of my company. The scammer urged me to send the PIN numbers immediately, and I only realized it was a scam when I checked the card balances and found they had been claimed. I immediately contacted my credit card company, Discover, and reported the scam, and they removed the transaction from my account. However, three weeks later, on XX/XX/XXXX, I received a letter from Discover requesting more information to investigate the case. I contacted Discover and provided additional details of the scam on XX/XX/XXXX, but on XX/XX/2023, I was informed that they did not recognize it as a scam, they would reverse the transaction, Discover is not responsible for this case. However, I was clearly scammed, and I would like to appeal this decision.
Product: Checking or savings account

Capital One stated issue would be resolved by EOD issue is not resolved, ongoing. They released a statement this morning regarding the missing funds. No accurate time of deposit indicated. Many people are missing payments for other utilities due to the outage. Including, this user.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you with an urgent demand regarding the removal of a charge off from my XXXX XXXX XXXX account number XXXX and a charge off from my XXXX XXXX  account number XXXX from my consumer report. I believe that these accounts are fraudulent, and I am facing extortion, as defined by 18 USC 894, in relation to them. As such, I insist on their immediate removal from my consumer report. 

I am aware that credit bureaus have the responsibility to ensure the accuracy and integrity of the information contained within consumer reports. Any inaccurate or misleading information can have severe consequences for individuals like myself, potentially leading to the denial of credit, employment opportunities, and other essential services. Therefore, it is of utmost importance that this matter is resolved with urgency and efficiency. 

I demand that you take the following actions within 4 business days from the date of this letter : 1. Initiate a thorough investigation into the XXXX XXXX XXXX account number XXXX and the XXXX XXXX  account number XXXX to verify the legitimacy of these accounts and the associated charges. 
2. Remove the charge off status from my consumer report for both accounts immediately.

3. Block any further reporting of these fraudulent accounts.

4. Provide me with written confirmation once the necessary corrections have been made. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue legal action to protect my rights. According to the provisions of 15 USC 1681n, I am entitled to seek damages of {$1000.00} per violation of the Fair Credit Reporting Act. 

Enclosed with this letter, please find copies of relevant documentation supporting my claims, including any evidence of fraudulent activity. I kindly request that you give careful consideration to this evidence during your investigation. 

I expect to receive your written response confirming the removal of these accounts from my consumer report within 4 business days from the date of this letter. You may contact me at the provided phone number or email address to discuss any further information you may require. 

Thank you for your immediate attention to this matter. I trust that you will prioritize the resolution of this issue within the specified time frame to avoid any legal consequences. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I attended XXXX XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about XXXX in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX XXXX. Apparently XXXX XXXX sold or partnered up with XXXX XXXX XXXX in order to continue stealing students money right before the lawsuit or during the case.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX should have been removed from my credit report XX/XX/XXXX. Due to a loss of job, at the time, a payment hadn't been made since XX/XX/XXXX. The information on my credit report is inaccurate, as I have the legal right to an accurate credit report and by law credit bureaus must report with maximum accuracy.
Product: Debt collection

HI. CONVERGENT OUTSOURCING XXXX ; I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists ... ... Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Dear XXXX & transunion XXXX XXXX XXXX  To Whom It May Concern : This account was opened XX/XX/XXXX closed XX/XX/XXXX & reopen XX/XX/XXXX. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in XXXX. There comment of dispute in progress not on file thats a violation & its been over XXXX  days. XXXX  for proof Documents of me signing or payment history Inaccurate late payments XXXX. XXXX other XXXX these are closed accounts so they cant change them. The collection actually just have XXXX not XXXX or XXXX  days only XXXX. XXXX XXXX has XXXX & XXXX & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX, I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i circled ALSO COULDNT PROVIDE ME ANY BANK DOCUMENTS. This is wild but everything in pdf
Product: Debt collection

15 usc 1692f. I was coerced in deceived to pay an alleged debt, which is a violation to my consumer rights. I submitted payment to a XXXX, a company I had no contract with. I submitted my dispute letter along with other documents and an invoice for my remedy
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud committed against me and reported it to XXXX, XXXX and XXXX card in XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with Experian and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
Product: Money transfer, virtual currency, or money service

Robinhood locked my XXXX and is taking an unbelievable amount of time to unlock it. 

They have my XXXX tied up for no reason whatsoever and request an insane amount of information just to unlock it ( drivers license, passport, bank statement, etc. ). They have yet to unlock it. 

I would be afraid to invest with Robinhood or leave my money or digital currency on the app.
Product: Student loan

Unable to pay debt, it continues to grow with interest. ( Over $ 90k ) Im being sued ( judgements ) Ive had my wages garnished and bank account completely cleared out multiple times while I try to work with them. Dont understand, feel like I cant make breathing room or get this in some sort of control. The debt is through XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under code 15 U.S.C 1681a ( 2 ) ( B ) asking for late payment to be removed from credit file for XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX
Product: Credit card

I was trying to make the full amount of statement balance due on XX/XX/year> which is {$13000.00} and I deposited {$8000.00} on XX/XX/year> and deposited {$4900.00} on XX/XX/year>. The Capital One ATM at the XXXX XXXX was broken and ate my full amount of {$4900.00}. I called the Capital One customer service number immediately and the representative told me that Capital One will not charge me interest even I did not pay the full amount of the statement balance due in XX/XX/year> which is XXXX but now I see the interest they charged me {$180.00} on XX/XX/year> because they said XXXX, the statement balance is XXXX, I did not made the full amount of money for the statement balance so they charged me for {$180.00}. I told them because the ATM was broken and I was not able to make anymore cash deposit and the representative also told me Capital One will not charge me interest because the ATM broken. And for the statement balance due on XX/XX/year> is {$12000.00} and I made the payment in full of {$12000.00} on XX/XX/year> but they still charged me {$220.00} on XX/XX/year>. I called the customer service and the refused to provide refund for the interest charge on XX/XX/year> for {$180.00} and on XX/XX/year> for {$220.00}.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to a problem with XXXX XXXX XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting car. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

Hello, XXXX XXXX TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. XXXX XXXX TransUnion has not corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I request immediate corrective action to amend or remove the disputed accounts, as XXXX XXXX TransUnion inaction violates federal law and my rights as a consumer.