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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card

Received harrassing calls at all hours of the day including nights & weekends. I am not the head of household where my address is listed & I am being informed by her that she no longer wants calls from debt collectors on her landline phone due to me. Specifically Chase company is harrassing her late at night & on weekends after she has already informed them that the number they are calling is not mine.
Product: Money transfers

on XXXX XXXX, 2016 i ordered a projector listed on ebay but payed the seller thru paypal directly cuz he was offering a lower price. item was sent n delivered but i never recieved the package.
Product: Credit reporting or other personal consumer reports

In violation of 15 USC 1681, my SS and other private information was exposed in the data breach where hackers stole XXXX XXXX peoples personal and private information, including mine. Fraudulent accounts have been opened in my name. Therefore, hackers and imposters have been using my information without my permission or knowledge.
Product: Mortgage

I started the process for my loan modification in XXXX because I couldn't pay for a couple months due to my work shutting down when COVID started. I have been paying on time since last XXXX. Wells Fargo has lied about sending paperwork and put wrong names on my paperwork 3 times now. I have gone all the way to the executive office and they still sent me the wrong paperwork after one employee told me she read it and it was correct. They are holding up my refinance with another bank because I can not stand working with Wells Fargo any more. The employees are absolutely awful and I just need this paperwork closed so I can move on from then.
Product: Credit reporting, credit repair services, or other personal consumer reports

On account XXXX XXXX XXXX appearing on Equifax and other bureaus that includes at least XXXX, EQUIFAX AND OR XXXX depicted false information, it appears by removing information, so the account is inaccurate AND incomplete.The result made a 2008 fico XXXX score into a fico XXXX score.They have taken a paid collection and made it appear as an open current collection.COMPLETE PROOF IS ATTACHED. 
THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY AS IT IS AFFECTING CREDIT TRANSACTIONS IN THIS DAY.
Product: Mortgage

This has been actively ongoing for several years. I am XXXX of the homeowners that the Government sued Flagstar about. Flagstar continued with the fraudulent practices. I am trying to settle with my lender and start a new clean slate. Only I do not understand some of their terminology. I cant get any one person to kindly let me understand just what they wish me to sign. We have discrepancies on numbers and are we then finally rescinded from our bankruptcy? Contracts were sent with 10 days to sign and I can not get any answers from my mortgage company. I do not have a lawyer retained. My bankruptcy lawyer is trying to retire. I have asked Flagstar for clarification with many of the statements in this contract they give me ten days to sign. The XXXX payments Flagstar refer to have not been explained. I do not owe XXXX XXXX payments to my mortgage company. Does this contract eliminate my current bankruptcy? Flagstar said they could and would rescind the bankruptcy I filed to prevent a foreclosure I was never even close to being in. Flagstar has this merry-go-round ( as the Federal suit described it ) fraudulent mortgage practices, suspense accounts, misapplied payments and several other factors I just can not get even their task force to review my loan in its entirety. I have filed Loss Mitigation packets as directed by Flagstar in which have never been reviewed. Its Flagstar practice that a homeowner not pay their monthly mortgage while under review... only it never did get reviewed. For nine months my loan came up under review. I received a letter saying I had ten days to pay back those payments. Most people would have been led into foreclosure at that point. I did pay up and was still filed foreclosure on. I simply want my loan reviewed.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally Demand the immediate and permanent removal of the XXXXXX/XX/XXXX account # XXXX from my credit report. This account was previously Disputed, Investigated, and Removed under the FCRA, specifically under 15U.S.C. and 1681c-2 ( 605B ), due to data breach that compromised my personal information being. Despite clear legal obligations, Experian Has Illegally Reinserted This Account Multiple Times, along with other accounts that I had to keep disputing, demonstrating a pattern of reckless disregard for federal law. This is not only egregious violation of the FCRA but also aligns with the same unlawful practices cited in the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian for widespread FCRA violations including illegally reinserting accounts and failing to correct inaccurate information after disputes.FCRA Violation Committed by Experian 15 U.S.C. and 1681i ( a ) ( 5 ) ( B ) - Failure to obtain proper certification from data furnished before reinserting the account. 15 U.S.C. and 1681i ( a ) ( 5 ) ( A ) - Failure to notify me within 5 days of reinserting as required by law. 15 U.S.C. and 1681c-2 ( 605B ) - Illegal reinsertion of an account previously removed due to identity theft/ data breach. This have caused great grief upon me and my family for getting denied for credit or a home.
Product: Debt collection

PayPal has called me back to back 6 times while XXXX at XXXX with my father. They call me from different numbers back to back, over and over!
Product: Debt collection

This is a medical bill ( 2010 ) that was filed under Chapter XXXX Bankruptcy in the amount of {$130.00} for XXXX Specialists in which the creditor did not file a claim. XXXX shows this medical bill ( 2010 ) in the amount of {$73.00} for XXXX XXXX XXXX XXXX ... .this is the same place. I have called and talked with XXXX about this medical bill. She informed me that there is no balance on my account and that XXXX Specialists did all of the XXXX procedures in the XXXX center at the same address : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX TN. At the time of my procedure it was all XXXX in the same, until they went through transition with another medical center. The creditor did not file a claim with the courts when they held a meeting of all creditors. Since this time they have been bought out by several hospitals and there seems to be no balance showing under my name.
Product: Credit reporting or other personal consumer reports

This is my second requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Paid a friend a bill for {$300.00} through PayPal, got a notification several days later that the bank denied the payment when they tried to collect. I tried it again and also called the bank which assured me there was no problem on their end, however the same thing happened another two times. Also sat on hold for a half hour with no answer. The other day I get a letter in the mail from a collection agency for the {$300.00}. I was livid, so I contacted PayPal again because it wasn't accepting my bank account or debit card. I was finally able to request money from myself for lack of a better term to add to my negative balance and pay it off. Today I have discovered they have not only charged me for that, but they have charged me an additional payment of {$300.00}. I have filed a dispute with XXXX XXXX. I feel that somebody from PayPal needs to get back to me on this because this has been unacceptable.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered fraudulent accounts that I did not authorize. These accounts are negatively impacting my credit and my ability to obtain financing. I request their immediate removal from my report. Please investigate and take the necessary action to correct this issue. ''
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

PCN Bank, NA XXXX XXXX  XXXX, XXXX, PAXXXX XX/XX/XXXX On the date of XX/XX/XXXX my certificate matured ( cert # XXXX ). I called to have my certificate ( CD ) to be closed on that date. I talked to XXXX XXXX and told her to close out the CD. She said she would and would send me a certified check for the amount of XXXX. I never received it. Weeks later I logged on to my online account and found out it was still open, and had a new maturity date of XX/XX/XXXX. 
On the date of XX/XX/XXXX I was I was told by the Bank to call the Retail Escalations Manager PCNBank XXXX, that it did not receive my certified check. I talked to a XXXX XXXX and he told me he would fix it, and I would receive the certified check, within 10 days. I have still not received the check
Product: Debt collection

I reached out to ARS regarding an account that I found that doesn't belong to me. ARS is debiting my account and I've instructed them to stop all payments as the account they are trying to debit has been compromised. Furthermore I found out that this account is fraudulent and I didn't open it. The used deciptive collection practices to act like I owed this debt which I don't cause I was a victim of ID theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute Department Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/2016 I switched from XXXX to XXXX and got a new XXXX. 13 days later, I returned the phone to the store where I got it and canceled my contract because the phone service was not good where I lived. my contractor gave me 14 days to return the phone and cancel if I was n't satisfied. Despite returning the phone I was later billed by sprint as if I never returned The phone. I have all the paperwork to prove that I return the phone within the 14 day window and should not be charged anything. I have called XXXX numerous times to resolve this but despite their promises my bill was sent to collection and sits at {$640.00}.
Product: Student loan

I am a XXXX XXXX XXXX XXXX. I have student loan debt of {$XXXXXXXX} now held by XXXX. I have had multiple obstacles to paying the loan that began in XXXX XXXX XXXX XXXX XXXX  %. Now there are programs that didnt exist back then, but dont help my circumstances now, but would have changed everything then ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - but even {$XXXX} forgiveness wont fix it ). I have no other debt, a small savings. What can I do? I read the dept of ed., student loan stuff, spoke to my servicers regarding there programs, ( to the point that the representatives and myself XXXX XXXX XXXX  ) and its hard to apply their options to my circumstances now. I believe I am a standard case of a common, really messed up student loan experience, that falls in the process as much as myself, but perhaps to a larger magnitude. PLEASE HELP!!

I can provide many more details but dont know where to start. 

XXXX
Product: Debt collection

I had a loan with XXXX XXXX that has been paid off since XX/XX/2018. i have received zero communication from XXXX XXXX    to say I owed any money until this XXXX XXXX from JPL Recovery Solutions started calling non stop. Calling my ex husband, my daughters, my work HR. Lied to them saying I had released info to them when i had not. They are using aggressive tactics for a loan i do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and the other major consumer reporting agencies have been collecting, compiling and selling my personal information without my prior consent nor expressed permission. They have also been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my Consumer Rights and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( s ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed  seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING! 

I am enacting my consumer rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting an investigation into the fraudulent frivolous unknown unauthorized accounts that's reporting on my credit files. I'm asking for the details of this investigation or as printed in the laws of the FCRA if not then remove the following accounts. 

1 ) XXXX/ XXXX 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX {$370.00} 4 )  XXXX {$180.00} 5 ) XXXX XXXX {$150.00} 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX {$610.00} 8 ) XXXX XXXX {$41.00} 9 ) XXXX XXXX {$40.00} 10 ) XXXX XXXX  {$20.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which has highlighted significant issues with the platform. Despite using Zelle frequently and reporting discrepancies, neither my financial institution nor Zelle conducted a proper investigation into my claims. I was told that recovering lost funds was impossible and that tracking these transactions could not be done. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying a slightly different approach. 

NOTE OLD INFORMATION ON REPORTS! 
THIS DOES NOT NEED TO BE FURTHER INVESTIGATED. THE CREDITOR VERIFIED DATE 100 TIMES. IT SIMPLY NEEDS TO BE REMOVED! STUDENT LOANS WERE TAKEN OUT NEARLY 14YRS AGO WITH 36 MONTH TERMS. NO PAYMENTS MADE. THE CREDITORS FAILED TO REPORT FOR 7YRS AND WOULD HAVE COME OFF THEN BUT THEN STARTED TO REPORT MISSED PAYMENTS AFTER 7YRS. I  DON'T KNOW IF THIS CONFUSED THEM BUT THESE OLD NEGATIVE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY. 
THE NEGATIVE IMPACT HAS AFFECTED MY LIFE, ABILITY TO APPLY FOR CREDIT AND GET CERTAIN JOBS! 

NOTE TO CFPB KEEP TRACK IF THEIR RESPONSE IS GENERIC AND DOES NOT ADDRESS ISSUE. THEY ALWAYS RESPOND THE SAME WAY SAYING THEY WILL INVESTIGATE BUT THE ISSUE IS NOT AN INVESTIGATION ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent nor authorize any person nor company to benefit from my credit. The account listed below is a result of identity theft. 

Account name Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to apply for credit cards with Citi Bank. I mailed Citi Bank 2 letters asking to remove the unauthorized inquiries, but they refuse to do so.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are reporting inconsistent information for the account listed as XXXX XXXX XXXX this account can not report 3 different ways that means it has not been properly validated so the verification they claim they have done is invalid. The account can not have late payments when any consumer credit account is open ended and neither bureau has supplied me with documents that prove I was indeed late. If you do not have documents update the records. 

The inconsistencies are Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Closed Paid Paid Creditor Type : Commercial Banks All Banks All Banks Creditor Remarks : Closed Closed or paid account/XXXX  balance Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : 120 Month ( s ) 120 Month ( s ) Payment Frequency : Monthly ( every month )