23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Protection Association has submitted and account for collections without proper notification or the ability to dispute the debt as valid. I never received anything in the mail from this account nor have do i recall ever utilizing this service. It is against FDCPA to report any information without following proper protocol therefore allowing the consumer the opportunity to dispute the debt or proper notification about the debt. In this case neither were done CPA just took it upon themselves to provide inaccurate unvalidated and unlawful information to the credit bureaus. In my case this information has been on file since XX/XX/2014 and has been reported unlawfully for over 3 years.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX wrote off the debt which means this debt is discharged. THIS DEBT NEEDS TO BE REMOVED FROM MY CREDIT NOW.

Iq data- did not provide verification of my debt. I have repeated asked for a contract from iq data to verify the debt i owe. This is the 3rd time i asked, and havent received any paperwork. Please REMOVE FROM MY CREDIT REPORT, AS THEY HAVE VIOLATED FDCPA FOR NOT VERIFYING MY DEBT.

The dealership did not provide those mandatory disclosure forms at signup. This is a major violation and I exercised my right to rescind my contract. XXXX XXXX unfairly denied my rescision and discriminated against me. 
REMOVE XXXX XXXX ASAP! 


i HAVE ATTACHED ALL 3 LETTERS BELOW FOR YOU ALL TO VIEW
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the company 's data sharing policy, when sharing data with an organization based on the data subject 's consent ' they require the organization to keep a of the consent. And to provide a copy of it upon request. A the consumer may request confirmation of consent from the data furniture.

According to 15 U, S, C 6802- Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information to be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, In a correspondence to this consumer reporting agency, XXXX of XXXX, I requested proof of my consent in regards to the following items on my credit report ; The XXXX XXXX XXXX  Account number XXXX The XXXX  XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX As of today, I have not received any proof that I consented to any of the above accounts to be shared, Nor was I given the option to opt out. which is also my right under 15 U.S.C 6802.

I would like to inform the CFPB that my rights have been violated. And demand the immediate and permanent removal of the above accounts from my credit report,
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft back in XXXX, I started to see credit cards, student loans, and auto loans on my profile. I asked the school and XXXX to investigate to have this remove due to my police report and identity theft affidavit but every time they keep transferring this account to different different depart and not removing the account. 

Last they agreed to remove the but for some reason they contact me and said the account being service through a new company even though its a fraudulent account. So i need your need your help cause they trying put a debt in my name that is not mines. 

on my credit file its showing XXXX student loans, Experian : XXXX Account # : XXXX Open XX/XX/year> Balance {$1400.00} : XXXX Account # : XXXX Open XX/XX/year> Balance : {$1800.00}. All account has interest with late payment which is hurting my credit.
Product: Debt collection

I sent a debt validation letter via certified mail that they received on XX/XX/2022. This company has failed to validate my debt. please delete this from my credit file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus continue to report an account twice, with XXXX XXXX. There was only one account with this company yet they are reporting it twice with the same exact information. This is wrong and it's hitting the scores twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call transunion many times. Sent letters try to dispute the information I ask them to send Mov. Everything plan the 15 days and 30 days
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed by someone pretending to be my bank ( XXXX XXXX ) into sending a wire transfer of {$18000.00} when i thought i was filing a claim to stop a fraudulent wire transfer. 

Within XXXX hours I realized the scam/fraud and had worked with my bank to reclaim the wire transfer and change over all of my compromised accounts/ cards. My bank is claiming that they submitted to reclaim the wire as soon as they recognized it as fraud on XX/XX/XXXX but have not received any kind of response from the other bank ( Citizens bank ). They made the second attempt today, XX/XX/XXXX, to reclaim the wire and have not heard back. They are saying that they have to hear back and that Citizens will only allow the reclaim to go through if there is money in the account. How can it be allowed for Citizens to just sit on this and not do anything? 

Its been 5 days since the initial wire. The money is probably gone since these people seem to know what they are doing. This delay in action or lack of process around stopping/ holding the wire transfer as soon as unauthorized transfer is noted is going to allow both XXXX XXXX and Citizens bank to get out of this with no positive resolution for the customer.
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 the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution Zelle failed to properly investigate my claims adequately. They both informed me that recovering lost was impossible and tracking these transactions were unfeasible. The CFPs findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XX/XX/2019 i paid XXXX XXXX XXXX off. It immediately fell off of XXXX  and XXXX. 
Never fell off of experian. 
I call the debt collector 9 Months later and ask why its not off. They say i still neeed to pay it. So now they claim its being reported to all 3 agencies monthly. But the only agency that has any information on it is XXXX. 
Now i cant get ahold of experian. And the debt collectors just want me to pay. When i know i payed already. Now i have the creditor telling me one thing. And every credit report company out there Is telling me another. I will from now on make sure i keep all receipts of any payments i make
Product: Vehicle loan or lease

On XX/XX/2020 I paid my lease off in full. On XX/XX/2020 ( 2 weeks later ) they debited by account for another payment. I called them and asked for a refund and why my account was debited when there was a XXXX account balance. They said they hadn't closed my account yet so it continued to debit account. I explained how crazy it was to debit an account with a XXXX  balance. They apologized and said I would have to wait 21 days to get my refund. I told them that was excessive and they said there was nothing they could do. I waited 22 days and then called to get an update and the new person said I had to wait 21 business days and that the reason my account was debited was that it hadn't updated yet to show I had a XXXX balance. The account had been paid off for 2 weeks and their system still hadn't updated it. That's not acceptable. Also I've never had to wait more than 4-5 business days to ever get a refund. With everything that's going on right now who can afford to go without {$450.00} for over a month.
Product: Credit card or prepaid card

I have a card reported on my credit that is not mine. I don't recognize this credit and I have not applied for this credit card in the past. I tried to contact the company and they said that this card is in the collection and they don't have access to this card anymore.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXXXXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACHIEVE PERSONAL LOANS TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan XXXX Code : Individual Individual Account Status : Open Open Monthly Payment : {$400.00} {$400.00} Date Opened : XX/XX/2023 XX/XX/2023 Balance : {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$10000.00} {$10000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/2023 XX/XX/2023 Comments : - Unsecured Fixed rate Date Last Active : XX/XX/2023 XX/XX/2023 Date of Last Payment : XX/XX/2023 XX/XX/2023 Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX OK OK OK OK OK XXXX OK OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, XXXX and TransUnion 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts :XX/XX/XXXX Bankruptcy XXXX I have made contact with the court house and they have reported to never filing a XX/XX/XXXXBankruptcy.
Product: Checking or savings account

On XX/XX/XXXX I noticed two withdrawals from my XXXX XXXX checking account made on XX/XX/XXXX for {$48000.00} and XX/XX/XXXX for {$32000.00}. This amount was all of my cash savings. I immediately called the bank 's fraud department to notify them of the unauthorized payment and the bank opened a claim XXXX. They informed me that amount was withdrawn by Citibank account with under my name so I next called them to find who made the transaction and I found that there really was a bank account in my name at Citibank. I hold a credit card account with Citibank but I never created a bank account with them. I asked to talk to the fraud department at Citibank to notify them of the fraudulent account. They said they will look into my report but refused to provide a reference number for my report. Next, I called the local police department to report the theft. XXXX. XXXX XXXX created a report for me after acquiring all the information. 

Over the last month, I was able to get a case number from Citibank and was advised that I would receive an affidavit and documentation in mail. It has been 3 weeks and no documents arrived in the mail. This account was used to commit theft on my checking account. I want to know how did Citibank authenticate the identity while account creation. Why didn't I receive any communications regarding this account in my name? How were transactions allowed with no passwords, OTP or third party authentication? Citibank had my information on their database as I hold a credit card with them. Why was the information not cross-referenced during account creation? Who holds the funds that were stolen from my checking account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX, I took out a private education loan of {$18000.00} from XXXX. I was attending XXXX XXXX XXXX XXXX of California. The account was opened on this XX/XX/XXXX. It was a 120 month, 10 years loan. 

I was never late with payments. On XX/XX/XXXX -- I paid the full remaining balance of the loan. The account was officially closed XX/XX/XXXX. 

In XX/XX/XXXX, I received a notice from NELNET LOAN SERVICES INC saying I owed {$220.00} and {$150.00} on two private education loans, and that this money was due in 30 days. I had never received any notice from Nelnet before this, not heard of the company. 

I called Nelnet in XX/XX/XXXX, to be told that I owed this money still and that XXXX had closed and became Nelnet. I explained that i had paid my loan off full in XX/XX/XXXX, and they said I should call XXXX ( now XXXX ) for more information. 

I called XXXX, who said Nelnet should have any information on the account. I was told by Nelnet that they would send me all the information to clarify why these new charges had suddenly appeared 7 years after the full payment date. 

I called again on XX/XX/XXXX at XXXX XXXX and talked to another customer service agent on a recorded line and she also promised to send documentation on where this charge came from. I have not received this. 

She also said she wouldn't send the {$220.00} and {$150.00} charges to collections for 30 days until we received the written documentation, which I have not received either.
Product: Debt collection

Todays date:XXXX XXXX, XXXX XXXX XXXX. SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SECURITY CREDIT SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't dispute on my XXXX  will not let me start an dispute Transunion will only let me dispute one item XXXX i can never get into my online account I paying money to all 3 companys
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you 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 is 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 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 XXXX XXXX XXXX XXXX XXXX XXXX