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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Equifax and XXXX are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : - ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the Equifax and XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.
Product: Credit reporting or other personal consumer reports

Dear XXXXXXXX XXXX XXXX  ; I was shocked when I reviewed my credit report and found late payment on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or when i was facing some XXXX XXXX XXXX
Product: Debt collection

I recently filed a CFPB complaint against XXXX XXXX and TransWorld for their abusive and unfair Debt Collections practices. Both cases were closed and I have new evidence that Tranworld is abusive and they are violateing the law. Attached will be the response from XXXX XXXX. They responded by attaching all paperwork pertaining to how my SSI Check is being garnished and it also shows as of XX/XX/XXXX my balance was {$2100.00}. 
The paperwork that TransWorld sent shows a balance of {$2500.00}. This clearly shows the discrepancy in the amount owed. TransWorld called me approximately XX/XX/XXXX to collect on this debt when I refused to give them more money they added more collection fees. It drastically dropped my credit score ( 66 points ) and I'm in the home buying process. I would ask that this matter be referred to the FTC for further review. TransWorld is impersonating as a government official because my SSI checks are being garnished and I feel like the company is treating this debt like government debt when this is a store credit card debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Without notice or reason, PNC froze my checking account on XX/XX/. They have restricted all account access including online banking. Access to even basic information such as balances, statements and tax details has been restricted. Even after several inquiries to multiple departments, no explanation has been given. 

The continued freeze on all funds threatens immediate and irreparable harm to me and my family. I'm the primary caregiver to both of my parents who are XXXX and require round the clock care. Payments for vendors, municipalities, mortgages and medical bills have gone unpaid and are now past due. I find these actions to be predatory and have reason to believe that my name and race are a factor. Humbly requesting your assistance with an expeditious resolution to this matter. 

Thank you!
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account XXXX XXXX XXXX is showing on XXXX and Experian credit reports the account was investigated and deleted off XXXX  and I have disputed with XXXX and Experian via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE BEING REPORTED LATE FOR SEVERAL YEARS. SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME/CAR/LOANS ETC. I ALSO FILED A FTC REPORT AND HEARD NOTHING BACK
Product: Vehicle loan or lease

THE CAR HAD AN ASSIDENT AND TRHE INSURANCE SAID THEY PAID IT WITH GAP INSURANCE .WHY DOES STILL SAY REPOSSESION SANTANDER CONSUMER USA Do you see information you believe to be inaccurate? 
Account info Account name SANTANDER CONSUMER USA Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$27.00}, XXXX written off. {$16.00}, 366 past due as of XX/XX/XXXX. 
Status updated XXXX XXXX  Balance {$16000.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment - Original balance {$24000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX Payment history XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current / Terms met XXXX Past due 30 days XXXX Past due 90 days CO Charge off ND No data for this period Payment history guide Charge Off as of XXXX XXXX  to XXXX XXXX  90 days past due as of XXXX XXXX  30 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX XXXX XXXX
Product: Debt collection

I have made several Attempts to contact Pinnacle Credit Services at XXXX and XXXX and XXXX time i get hung up on, XXXX time was this morning and the lady stated she could NOT pull up any records. I have included an attachment of what i want from Pinnacle Credit Services
Product: Credit card or prepaid card

In XXXX I had a power outage. It came back on that night. I immediately called Kohl 's and made a payment. I called on XX/XX/XXXX to make sure they received it. The girl said did i care if they charged me half a month late fee. In XXXX I called on XX/XX/XXXX the date my payment was due. I told her the fee was suppose to be removed. She told me to just pay my {$27.00} payment and the fee would be dropped. Instead it didn't, they charged me a full fee in XXXX as they said I didn ; t pay the half month fee that was suppose to be taken off. 
The informed me that the late fee would be added on to the balance. If I didn't pay they would report to credit bureau. I have been told they would remove the fee but still owe XXXX. They are ripping people off by adding that on to the balance. It is very confusing the way they do it. I did exactly as the girl told me too and I got billed a full late fee on the hlf which i was told would be removed. They have very bad help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. WELLS FARGO CARD SER XXXX Date Opened : XX/XX/2017 Balance : {$8600.00}
Product: Mortgage

I am a Puerto Rico resident trying to receive an important information needed by XXXX XXXX XXXX  XXXX XXXX XXXX, in XXXX XXXX, in order to receive my payment taxes reimbursement. The form No. XXXX, has an incorrect information in the elecronic filing confirmation Number. 

I had contact the company many times requesting this important information with no positive response. I also sent a letter dated XX/XX/2018, but as today, no action has been taken to process my request.
Product: Mortgage

My home mortgage is owned by XXXX and serviced by Ditech of XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I make monthly payments on time, always in excess of the required amount. For my XX/XX/2016 payment, I remitted the sum of {$90000.00} to cover my monthly payment of {$2400.00}, with the balance to reduce the principal. At age XXXX yrs, my goal is to liquidate my home mortgage. I have repeatedly attempted, in writing, to have the company properly account for the payment, and have received computer form letters that fail to address the matter. I continue to make monthly payments, on time, in excess of the required amounts, and yet the company shows my account past due, and are placing funds in an account called " Funds in suspense '' and " Unapplied Funds '' while treating my account as a delinquent account. The company hides behind PO Boxes, uses computer form letters signed by the company with no human-being responible, their senior officers are unreachable, and clearly attempts to conducts their mortgage servicing business by automation. My efforts to have the problem resolved with the company is futile and hopeless, and I respectfully request the assistance of the CFPB. Thank you.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit card or prepaid card

I received 2 debit/gift cards for XXXX. One for {$50.00} and a second card for {$25.00}. When I tried to use them there was no balance on them. They were purchased at XXXX on XX/XX/2022. The issuer is Vanilla, Vanillagift.com, Cards are issued by XXXX, XXXX. Pursuant to license by XXXX XXXX. XXXX is distributed by XXXX XXXX XXXX XXXX. The contact phone number on the cards is XXXX cards are numbered XXXX, and XXXX. I retrieved all the information requested by XXXX and e-mailed it to them. I have called them 4 or 5 times. They keep jerking me around every time. They say we will e-mail with either new cards or that the cards will be supplied with the proper amount of money. Every time I call I get a different story, and a new promise to hear from them in a day or two via e-mail. I have wasted nearly 5 hours of my time with these thieves on the phone. This is not a business it's a robbery scam. I can't call them any more, I won't waste any more of my time waiting on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 letters certified mail XX/XX/2022 and XX/XX/2022 asking for an investigation done on incorrect items on my credit report to all three credit bureaus. not one did anything until the 3rd certified lettered on XX/XX/2022 at which XXXX simply said everything was updated without giving any information after 3 months and XXXX said that account in charged off that are paid will remain on the credit report for 7 years, so they didn't do an investigation after 3 months. Experian never replied.
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Product: Money transfer, virtual currency, or money service

I received XXXX {$9.00} payments into my PayPal account but my balance reflects as {$0.00}.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of credit and charges. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with my written instructions.
Product: Credit reporting or other personal consumer reports

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports a bankruptcy on my report from the state of Connecticut. XXXX did not verify the information with the court but with Lexus Nexis. Lexus Nexus did not verify the information directly from the court per federal statue. XXXX and Lexis Nexus is posted of a XXXX is either a mistake or a lie. I have asked them to remove it as it's in violation of validating information.
Product: Mortgage

Select Portfolio Servicing inc, I has not provided me any information from the other mortgage servicer (  XXXX  ). what  documents, show that WE HAVE MISSED ANY PAYMENTS. I am current and always have been.     I challenge  ( SPS ) to  prove that we have missed any payments with them and or   XXXX   XXXX   XXXX  or  XXXX   XXXX . All my other mortgages are current except this one that has been sold twice.     We have made every payment.  SPS shows that we are 32 payments behind on our credit reports not just the two payme nts that they state on all the credit. FRAUD ...      XXXX   XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XXXX XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I had an Amazon credit card ( Synchrony Bank ) that was " hacked '' and they purchased XXXX worth of items. I did not purchase anything nor did I receive anything. If I did, I would have sent it back. This purchase was made back in XX/XX/2020 and I am still dealing with it today, XX/XX/2020. Since they have a zero fraud policy, I have yet to get my money back.
Product: Credit reporting or other personal consumer reports

An account was opened on XXXX XXXX XXXX  for an auto loan by WESTLAKE FINANCIAL SVC, amount {$32000.00}. On my credit report it has me as a signer, which I was not/ did not authorize any transaction. After disputing it I reached out to the company, were a representative located the account and told me I was not associated with the account and that it should not be on my credit report. After waiting 30 days it remained on my report and I contacted the company again to requested information on the account and was told I was not authorized. They requested my SSN, and I denied giving the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I have a account with XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I have contacted these debt collection companies, requested proof of the debt, and they have not and were not able to provide any proof that these debts belongs to me ( because they do n't ). XXXX has also not provided any proof that these debts belongs to me. I have no contract with XXXX XXXX or XXXX XXXX XXXX, and unless someone can show where I have signed any contract with them or the company they are collecting for, these accounts needs to be removed.