23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I disputed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX from appearing on my credit report however, it was not removed from my credit report. 

On XX/XX/XXXX, I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. However, It still was not removed. 

On XX/XX/XXXX, at approximately XXXX XXXX XXXX I spoke with XXXX at Experian to ask how they verified this information. XXXX stated that Experian verifies this information with the Courts. 

I have a letter from the US Bankruptcy Court stating that the Court does not report bankruptcy information to credit bureaus.
Product: Money transfer, virtual currency, or money service

I am writing this formally express my concerns regarding Zelles handling of disputes, particularly in the 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 inadequately. They informed me that recovering the funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle 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 reporting or other personal consumer reports

Dear CFPB, I am writing to vehemently dispute the egregious misuse of my credit by multiple companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. These companies have brazenly violated the Fair Credit Reporting Act ( FCRA ) by accessing my credit report without my express consent or a legally permissible purpose. 
I demand that you investigate this matter immediately and take swift, decisive action against all of the aforementioned companies for their reprehensible conduct. Their blatant disregard for the FCRA is unacceptable, and I expect you to hold them fully accountable for their actions. 
Furthermore, I insist that the hard inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX be promptly removed from my credit report. These unauthorized inquiries have negatively impacted my credit score, and I should not have to suffer the consequences of their unlawful behavior. 
It is outrageous that these companies have flagrantly disregarded my rights and the law. I am filing this dispute to demand justice and expect you to take aggressive measures against these companies for their deplorable actions. I trust that you will take this matter seriously and ensure that justice is served. 
I expect to receive a comprehensive copy of the results of your investigation as soon as possible. The CFPB must hold these companies accountable for their egregious violations of the FCRA and protect consumers from such unscrupulous practices.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 
In Accordance with the Fair Credit Reporting Act XXXX these accounts below has Violated my rights according to 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 an account without my written instructions Account : Note loan XXXX Account XXXXSecured loan Account  : Installment sales contract XXXX Account XXXX Auto loan Account XXXX Note loan XXXX Installment Account XXXX Credit card Account XXXXBusiness line personally Guaranteed Account : Auto loan XXXX Account XXXXSecured loan Furthermore, please provide the following 1.The Original Contract with my Signature on it 2.Creditor information ( Name, Address and Phone Number of Original Merchant 3The Payment History and Itemized Billing Associated with Each Account 4.Proof Of Ownership ( Proof That The Company Trying to Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.Thanks
Product: Debt collection

I called Montgomery Wards as soon as I recieved a fraudulent bill for a credit card and told them this was not my bill. I have never applied for a Montgomery Wards account nor did I think they were even in business any longer, They continue to send me statements wanting money. They have not done anything but want money.
Product: Debt collection

Hi XXXX / Convergent Outsourcing Inc. ; Listen, I was reviewing my credit today and noticed a collection account from a phone company that i never had before, plus when i called they have it under a DOB of XXXX, but my DOB : is XX/XX/XXXX. I also have it on an address that doesn't even belong to me, plus i been outside the country for 14 years - I just came back into the states in XXXX of XXXX. You are reporting false information and would like this to be removed from my credit report or any internal record. 

Again, 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Of Birth : XXXX To Whom It May Concern, I am not liable for this debt XXXX XXXX because I do not have a contract with DEBT RECOVERY SOLUTIONS, They did not provide me with the original contract as I requested. DEBT RECOVERY SOLUTIONS called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until DEBT RECOVERY SOLUTIONS, proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( DEBT RECOVERY SOLUTIONS ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third Party Debt Collector. As you can see from my credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account name : DEBT RECOVERY SOLUTIONS and Account number : XXXX for reference and incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was scammed by an online scammer for {$600.00}. He tried to convince me to pay him {$600.00} through BOA XXXX service. A few minutes after I submitted the transaction using BOA mobile app, I realized that I was scammed as I searched the scammers information on XXXX. I started to contact BOA immediately to seek help and got nothing but frustration in return. 
First of all, it is around XXXX XXXX time, I could not find any telephone custom support from BOA since they end at XXXX eastern time. I searched for hours until I have to call BOA credit card department. After waiting for more than 30 mins, eventually the custom representative told me I can still call the next day to cancel the transfer or file a dispute to get my money back. But I have to contact XXXX first. 
With high hopes, I slept for a few hours and woke up XXXX on XX/XX/XXXX because the XXXX online custom service opens at XXXX XXXX XXXX. I was told by XXXX that I have to contact BOA as they are the bank initiated the transfer. I had to call BOA and waited for another half hour. I was then transferred to fraudulent department who then transferred me to move-money department. After more than 1 hour since I started calling BOA, XXXX department representative told me that I will not be able to get my money back unless the scammer gives back the money willingly. After about half hour frustrating talk, I asked to talk to higher-tier representative. He just hung up on me. I had to call BOA again and waited another half an hour to be transferred to high-tier manager, who in the end confirmed explicitly with me that they can not do anything unless the scammer agrees to return the money willingly. BOA will simply transfer the responsibility to XXXX XXXX for them to contact the scammer. 
Based on the internet search, the same scammer uses BOA XXXX XXXX holes, and the unwillingness of BOA to protect its own customers, for more than 2 years without any action from BOA. 
I fully admit that it is my fault and misjudgment to submit the transfer and trust the scammer. However, the handling of the case from BOA is completely unacceptable to me. As a custom of BOA for more than 10 years and stock shareholder, the ignorance from BOA by providing such a vulnerable service, so susceptible to fraudulent transaction, without any protection to its own customers for years, makes me feel frustrated and infuriated. 
My case number is XXXX
Product: Credit card

I received a notice from XXXX that an account was opened with Comenity Capital Bank/ Zales on XX/XX/XXXX  and charges made on XX/XX/XXXX  in the amount of XXXX. I never applied or have an account with this bank. I tried contacting the bank but was not able to speak with anyone to report the fraud.
Product: Vehicle loan or lease

When purchasing this car from XXXX XXXX XXXX, And financed through Mazda Financial Services, they did not disclosed to me the TILA, FDCPA, XXXX, Or any federal laws that protects consumers. After reading the laws, upon my findings, my finance charge on my contract is incorrect. My finance charge is not listed as the " sum of all charges '' according to 15 U.S. Code 1605. I also was not disclosed the right to rescind my contract according to 12 CFR 226.15. I would like to rescind my contract based on the errors, and unlawful findings of my contract.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Removal of Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing the inaccurate and wrongful reporting of the repossession of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under my credit report XXXX XXXX. This vehicle was awarded to my XXXX  pursuant to a legal and binding XXXX XXXX, and he accepted full responsibility for all associated financial obligations, including this repossession. 
The company responsible for reporting this inaccurate information is XXXX XXXX XXXX, associated with account XXXX XXXXXXXX. Under the Fair Credit Reporting Act ( FCRA ) and applicable state laws, I demand the immediate removal of this erroneous entry from my credit file. The continued reporting of this repossession under my name constitutes inaccurate and defamatory information, causing undue harm to my creditworthiness. 
Legal Grounds for Dispute : XXXX. Violation of FCRA ( 15 U.S.C. 1681s-2 ( b ) ) Furnishers of credit information are required to conduct a thorough investigation when a dispute is submitted. The account in question does not belong to me post-divorce and must be removed. 
XXXX. Breach of Contract ( State-Specific Family Code ) The Divorce Decree is a legally binding court order, and the responsibility for this account was transferred to my ex-spouse. Holding me accountable for this debt is in direct violation of this court order. 
XXXX. Unfair Reporting Practices ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to maintain accurate information. Reporting a repossession that legally belongs to another individual violates this provision. 
XXXX. Potential Defamation and Financial Injury The continued presence of this derogatory item on my credit report is causing tangible financial harm. If this matter is not resolved immediately, I will explore all available legal remedies. 
Resolution Demanded : Immediate deletion of this repossession entry from my credit report.

Written confirmation that this item has been removed.

Cease all further reporting of this item under my name.

Failure to comply within 30 days of receipt of this dispute will result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal claims for damages. 
Enclosed are copies of my XXXX XXXX and any supporting documentation to substantiate my claim. I expect immediate rectification and will not hesitate to escalate this matter if my rights under federal and state law continue to be violated. 
I anticipate your prompt response and resolution of this matter. Please provide written confirmation of the deletion of this account from my credit report no later than [ 30 days from receipt of this letter ]. 
Sincerely, XXXX XXXX Enclosures : Copy of Divorce Decree, Supporting Documentation Drivers License, Social Security Card.
Product: Debt collection

My grandmother, who suffers from XXXX has been continually harassed by this so called debt collector ( I assume this because of the tone and threat of legal action, and after looking up who they were ), my grandmother had handed me the phone to talk to these people, knowing that there was nothing she can do considering my grandmother is a social security recipient, and that is her only income, and noticing the call had lasted for 40 min and was currently on hold, I hung up. The lady on the other line, immediately called back and initially refused to talk to me and asked if I was an attorney, I informed her no, that I am a family member and that my grandmother, XXXX XXXX, was going to give them permission to talk to me, at which point the lady on the phone got noticeably more aggressive and said they were then going to take legal action against my grandmother and hung up the phone. Their threatening use of debt collection practices disturbes me, as I am actually a former collector for a major bank and her behavior on the phone and lack of professionalism is something that is not needed, and mostly illegal in that industry.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCT. # 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

On XX/XX/XXXX I called XXXX XXXX XXXX and asked for the late payments ( from XX/XX/XXXX to XX/XX/XXXX ) to be remove because of hardship.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to KIA of XXXX, CA at XXXX XXXX XXXX, XXXX, CA XXXX, phone # XXXX and spoke to the General Manager XXXX XXXX XXXX who approved the purchase of the new XXXX KIA XXXX. I was asking him to trade/upgrade in my leased XXXX KIA XXXX Vin # XXXX, License plate # XXXX but he refused to do that stating the mileage was high at XXXX miles at the time. The XXXX XXXX of the vehicle was about $ XXXX in excellent condition and no mechanical issues. Normally the trade/upgrade should have been allowed especially that I purchased the new KIA XXXX from their dealership. However, the sale of the XXXX KIA XXXX XXXX # XXXX, License plate # XXXX was a PURCHASED Vehicle that was approved. I noticed on my car loan application for the XXXX KIA XXXX that the income stated was {$7100.00} but that was incorrect therefore the adjustment was made in order to qualify for the car loan. My current income is approximately $ XXXX {$3000.00} per month, It appears that XXXX KIA wanted me to have 2 car payments that I can not definitely afford! 
On XX/XX/XXXX, I contacted KIA Finance America and reported I will surrender the XXXX KIA XXXX vehicle to the KIA of XXXX. The KIA Finance said it was acceptable to return the vehicle at the said location. The transaction was completed and well documented and pictures taken as well. 
I am respectfully requesting that KIA Finance America RELEASE me from any FINANCIAL LIABILITIES and FEES from KIA Finance America.for the XXXX KIA XXXX, KIA Finance XXXX XXXX XXXX, XXXX XXXX, CA XXXX just sent me a statement KIA Finance America is currently charging me $ XXXX the XXXX KIA XXXX. 
I am a rideshare driver from the XXXX XXXX, California and work long hours in dangerous conditions but have to do so to earn income to support my family. 
Thank you for your kind attention to this matter.
Product: Credit reporting

I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia Dept of Revenue showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$480.00} XXXX XXXX {$530.00} XXXX XXXX XXXX  XXXX {$960.00} COLLECTIONS XXXX {$380.00} XXXX XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have been battling with discrepancies on my credit report for almost 2 years and I have not received any help from which I paid for with Experian, XXXX, or XXXX ... There are misspelled name, wrong addresses, phone numbers, ect on my credit report that should have been taken off of and the accounts with them I feel like they have just taken my money and said he will be fine well I need to get results
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; Medical XXXX Balance XXXX {$35.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Vehicle loan or lease

First of all, I did not give Honda Finanical permission to give my information to any other institution. That is in total violation. You did not have my consent. 

1681a Consent and Priviacy. I am making a demand not a dispute.You were unfair and you did not respect my right to privacy. I want to speak to the Fraud Dept and Supervisor. 
15usc 1681a3 I have file a CFPD report and can give you the complaint number. I did a voluntary repossession.
Product: Credit reporting or other personal consumer reports

All of my Nelnet student loan accounts on my credit report are showing 90 days late in XX/XX/2020. They are not showing 60 days late in XXXX or 30 days late in XXXX. I did not have a payment due at that time to the best of my knowledge. I contact them and they simply added a comment to the credit report saying the " dispute is settled-customer disagrees ''. I don't believe they actually looked into it and refused to update my credit report.