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

I submitted a FTC Fraud affidavit to Equifax, XXXX, XXXX   and Us department ED. In my credit report there is a report that I opened a student loan in XX/XX/XXXX. I have never had a student loan in XXXX, XXXX responded in 10 Days and Stated they could not validate account from US DEPT OF EDXXXX, and in the back file there was no document to validate account, there result of dispute was to delete from file. 
XXXX also responded that the US DEPT OF EDXXXX also could not validate with any documentation and they had none on file as well, XXXX Result : could not verify delete. US DEPT OF ED has not even responded at all. BUT now EQUIFAX on the other hand must have a better way of doing there investigation cause the investigation results was they validated this account and there files has a documentation to validated this account, know this according to the person I talked to on the phone, I asked for them to send me not only the results but all documentation that supports the validation its known as a back file which is require by law to be keep to verify an account, there also required by law to disclose and show it upon request. I requested they provide the information used to validate this count, she said she send my the results only I ask for a supervisor, XXXX I believe she said her name was, I ask for the back files the supported there claim that it was validated. she assured it was validated by electronic means that the US DEPT OF ED stated it was mine and they don't keep documentation on file for account only what a company tells them, Know to make it clear this conversation was recorded my end which is being transcribed, Oklahoma is a one party consent state, and I knew the conversation was being recorded, I also informed the other party that I was recording she keep going on about whats she was not going to do and only send me the results, Now that I have all that I need to file in federal court against EQUIFAX, I have the recording, I have the Fraud affidavit filed and certified mail to Equifax, there results and XXXX results, XXXX Results, I have enough to prove my case that Equifax is being paid by the US DEPT OF ED to keep the account on report to oppress my credit to get me to pay for an account that's not mine. I will seek {$1000.00} per violation and {$75000.00} for defamation of my credit worthiness. I'm tire of disputing with Equifax and them not investigating, so I will ask for montery this time for the time they keep wasting of mine, PLEASE FILL FREE TO CHECK XXXX for my NAME, THAT WOULD SHOW ME VS. XXXX in the XXXX DISTRICT FEDERAL COURT OF OKLAHOMA, THIS IS WERE I WILL FILE SUIT AGAINST EQUIFAX, If I don't get any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C 1681 section 602 says, I have the right to Privacy. 15 U.S.C. 1681 section 604 A section 12 states, A consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666 B A creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts that appear on my credit report which I do not recognize. I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card account Security Credit Services opened XX/XX/2022 account number XXXX in the amount of XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Product: Vehicle loan or lease

I am a resident of XXXX XXXX. Our island was hit by Hurricane Maria in XX/XX/XXXX. That was the month the residual on my lease was due of which I was unaware. The bank never sent a letter or called me to inform me of this. First Bank which is the lender, sent out an email informing customers that due to the impact of the hurricane they would not charge the monthly payments to customers. Since my lease was auto pay, it stopped during XX/XX/XXXX and XX/XX/XXXX, but it was not due to their hurrican relief effort, it was because the {$12000.00} residual was due and they never informed me. I only became aware when I received collections calls. I left the island to be with family in XX/XX/XXXX so I was unable to do anything. Once I returned the last week of XX/XX/XXXX, I traded the car in for another one.  But they had already reported my lease 60 days past due, adversely impacting my credit score. In  addition, they made daily collections calls during that time, even when I explained my problem over and over, resulting in emotional distress.
Product: Credit card or prepaid card

I am not able to service my account with capital one and now one knows why I've called customer service like 4 time and no one was able to help and was told they will submit a ticket to see what's going on with my account and nothing has been done.
Product: Credit card or prepaid card

I applied for the Capital One Quicksilver card last month, my application was pending because I needed to send in documents to identify myself. I sent the documents last month but still the application is pending. 

I have also attached my documents to this dispute so Capital One can't say they never received them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelles handling of disputes, particularly in light of recents 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 infeasible. The CFPBs finding 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 consumers safety.
Product: Credit card

I contacted XXXX about a couple months ago and they did remove this time barred debt from XXXX credit bureau BUT NOT XXXX that has more than exceeded the time statute to collect at best this questionable debt of {$16000.00}. XXXX did remove this debt from experience and XXXX XXXX however it still remains on my XXXX XXXX XXXX XXXX credit report And needs to be removed immediately or I will have no choice but to pursue legal remedies since this debt at best is questionable and is time barred and has well exceeded the statue limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I applied for a home mortgage with a national vendor. That vendor checked my credit report as part of their approval process. 

On the XXXX, XXXX and XXXX of XXXX I received unsolicited calls from a different vendor with whom I have no business relationship of any kind. 

XXXX XXXX  advise that they had not randomly called but had pre- qualified me for a mortgage based on information provided by experian -- including my income, employer, length of employment and credit score-as well as my home and cell phone numbers. 

When I called Experians ' corporate hq to ensure that they understood the privacy act of 1988 -- I was turned to the only source of consumer complaint -- a call center in XXXX XXXX where a barely able to speak english agent informed me that they had EVERY RIGHT to use my information in any way they pleased -- causing me to hang up and file this complaint.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to address discrepancies found in my recent credit report, which I received on XX/XX/XXXX. Upon review, I have identified violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing the following sections : 1. 15 U.S.C. 1681 Section 602, regarding the right to privacy.

2. 15 U.S.C. 1681 Section 604a Section 2, which prohibits furnishing account information without written instructions.

3. 15 U.S.C. 1666b, pertaining to the treatment of credit card payments under an open-end consumer credit plan. 

The creditor in question is XXXX XXXX XXXX, with the following account numbers and reported late payments : 1. Account Number XXXX : Late payments reported for XXXX and XXXX. 
XXXX. Account Number XXXX : Late payment reported in XX/XX/XXXX. 
XXXX. Account Number XXXX : Late payment reported in XX/XX/XXXX. 

I want to emphasize that I never provided written instructions to either Experian or the aforementioned creditors to furnish information on my credit report, as mandated by 15 U.S.C. 1681B. 

These inaccuracies have caused me significant stress and XXXX due to unfair practices. The accounts listed above were never late and should be accurately reflected as " Pays '' or " Paid as Agreed. '' Per the FCRA, I demand that these items be promptly investigated and removed from my credit report. I also request that you provide concrete evidence and documentation proving any alleged late payments. I expect this investigation to be completed within the 30-day timeframe prescribed by 15 U.S.C. section 1681i.

Please provide me with an updated copy of my credit report reflecting the requested changes once the investigation is concluded. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX Debit card # XXXX XXXX XXXX XXXX  Exp. XX/XX/XXXX was issued by the Social Security-Treasury Department as part of the electronics payment for XXXX XXXX XXXX. These are monthly benefits in the amount of {$750.00}. XXXX XXXX is manipulating my daily average balance downward for over 3 months now. XXXX XXXX lists XXXX as the consumer assistance call center. However, when you call this direct, you are simply provided with an extensive, generic repeat of options. XXXX XXXX does not allow clients to lodge complaints, to flag and dispute transactions. XXXX XXXX   portal also appears to systematically fail clients. I keep having to re-register, with no success. Recently, I received an SSI payment of {$780.00}. I know from simple store expenses that there should be a minimum of {$500.00}. Today I called XXXX XXXX  to dispute two charges ( something I have been trying to do for weeks ). I was informed my balance dipped to {$100.00}. It is inexplicable. However, XXXX XXXX will not provide on their automated system, transactions leading up to the balance in question. XXXX XXXX call center simply refused to provide clients with the means to see the daily transactions and balances, and to dispute charges. XXXX XXXX   fleeced me last month in a similar MO, and the month prior. XXXX XXXX  must provide immediately clients with details about transactions and allow clients to dispute them on the spot. Even the simple act of reporting a card as been compromised is out of the question with XXXX XXXX/
Product: Debt collection

To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : XXXX. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR XXXX. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT XXXX. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT XXXX. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, 2014 XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount.

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Product: Debt collection

My name is XXXX XXXX and my brother XXXX XXXX apparently listed me as a reference for a loan company and defaulted on the loan. I did not know about this because I was never contacted to be verified as credible reference. The loan Company is Red River Credit out of XXXX. They have been constantly calling me asking me to have my brother call them. There has even been times where I get multiple calls and voicemails in a day. I am not the owner of this debt and do not know where my brother is currently residing. It has got to the point that I am about to send a cease and desist letter.
Product: Credit reporting or other personal consumer reports

Re : Complaint ID XXXX Subject : Urgent Assistance Required for Unresolved Credit Reporting Issues Dear CFPB, I am writing to urgently seek your assistance regarding a matter that has not been resolved despite my repeated attempts. My previously filed complaint with Equifax, dated XX/XX/year>, remains in an OPEN status. According to your guidelines, companies generally respond within 15 days. In some cases, they may notify me that their response is in progress and provide a final response within 60 days. However, it has now been 48 days, and I have yet to receive any correspondence from Equifax. 

As per the Fair Credit Reporting Act ( FCRA ), reinvestigations should be completed within 30 days. Equifax 's failure to respond within the stipulated time frame is a clear violation of these guidelines. This delay is causing significant XXXX as I have plans to seek more favorable job opportunities soon, and the unresolved inaccuracies and inconsistencies in my credit report are detrimental to this process. 

Despite numerous letters and evidence provided, these errors persist in my Equifax report. The details of these discrepancies are discussed in my attached letter, along with a screenshot as evidence. 

I kindly request your intervention to expedite the resolution of this matter. The continuous reporting of inaccurate information on my credit file is not only unjust but also hinders my career opportunities and financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your immediate assistance in ensuring that Equifax complies with FCRA guidelines and corrects the inaccuracies in my credit report without further delay. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2019 I sent a letter to Receivables Performance XXXX XXXX XXXX XXXX XXXX, WA, USA XXXX Requesting proof of debt and ownership. The company never responded yet continues to report the debt to the credit reporting agencies. I do not owe the debt and they are reporting erroneous information and refuse to delete it. In addition the company never sent me a letter notifying me of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexus at this time has admitted and removed the reselling of my information to XXXX XXXX and experian however the XXXX ACCOUNTS are still on my consumer report. The information is not accurate nor verified, nor has any written consent of any of my personal information to be used and traded on. Pursuant to 15 US code 1692J civil liability LEXIS-NEXIS and third-party crediting bureaus are now liable for damages in the amount of {$1000.00} for each violation. There being several, it is requested to have the accounts deleted from all consumer reports due to the pro bay fraud and federal violations
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on 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 XXXXXXXX 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 XXXXXX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly ( 30 ) days late on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) I had a second mortgage on a property that my brother and I owned. I have never been given a letter of demand from XXXX XXXX XXXX for the payment in full. Per the deed of trust, the payment in full demand must be made and not performed on to initiate foreclosure proceedings and verbiage on my credit. The inaccurate process and reporting on my credit is creating a financial hardship. I am unable to purchase a home with the credit reporting foreclosure. The second mortgage initiated a foreclosure on the property. We were never late on any mortgage payments and I have attached copies of the bank statements reflecting the monthly, on-time payment history. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.