23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Customer Feedback and Program Development ( CFPD ) Team, I hope this email finds you well. I am writing to bring to your attention a concerning issue I have encountered with Wells Fargo Bank, specifically regarding an unauthorized transaction from my checking account. 

On XX/XX/2023, I discovered that an amount of {$980.00} was debited from my checking account without my authorization. This transaction was made to XXXX, a platform I do not use nor have I ever authorized any payments to. Upon discovering this transaction, I immediately reached out to Wells Fargo Bank to dispute the charge and request a reversal of the transaction. 

However, to my dismay, Wells Fargo Bank declined to initiate a dispute on my behalf, despite the transaction being clearly unauthorized and not initiated by me. I find this response unacceptable, particularly considering the significant amount of money involved. As a customer, I expect my bank to protect my interests and take appropriate actions to resolve such issues promptly. 

I strongly urge Wells Fargo Bank to reconsider their decision and take immediate steps to dispute the unauthorized transaction with the relevant merchant, XXXX. It is crucial that I am not held liable for a transaction that I did not authorize or benefit from in any way. 

I kindly request that you investigate this matter thoroughly and ensure that appropriate measures are taken to resolve it in a fair and timely manner. Additionally, I would appreciate regular updates on the progress of this investigation and the actions taken by Wells Fargo Bank to rectify the situation. 

Thank you for your attention to this matter. I trust that you will handle this complaint with the seriousness it deserves and work towards a satisfactory resolution.
Product: Debt collection

Dear MOHELA, I am writing in response to your recent communication regarding an alleged debt under my name, account number [ Account Number ]. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. ( In particular, I 15 U.S. Code 1692g ) request the following : Validation of the Debt : Please provide a detailed statement of the amount owed, including the original balance, any interest, fees, or charges that have been applied. 
a ) Please include the original contract, with the original creditor that has my signature. 
Assignment Contract : Please provide a copy of the assignment contract or any documentation that proves that your organization has the legal right to collect on this debt. This includes any agreements or assignments that show how this debt was transferred from the original creditor to your organization. 
Please consider this letter a formal request for verification and documentation of the debt. I expect a response within 30 days from the date of this letter. Until such validation is provided, I request that all collection activities be suspended. Lastly, let all future correspondence made available, be sent to the address listed above. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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

Hello this is my second request to LexisNexis to freeze my credit file with them Im hoping by sending this request through the cfpb they will honor this request this time in a timely fashion.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on

Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer disputing XXXX  XXXX XXXX XXXX.
Product: Credit card

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Product: Credit card or prepaid card

On XX/XX/XXXX I received late notice via text on my Synchrony Bank Lumber Liquidators credit card that I was late on my payment for the balance of {$960.00} that I did NOT make. I've only used this card once and paid it off before this unauthorized balance. I've been told it's a surcharge from the store, it's interest from the promotion of my only purchase which I paid off before promotion ended. This account had been dormant until surprise I've got a balance. Not once was I made aware of purchase or that a payment was coming due and I had an excellent payment history with them and none of that played a factor. I did not make any purchases and yet I'm being charged late fees and a negative mark is placed on my credit. I've been told that it's being investigated. That the account was closed with a new one issued but with this balance.
Product: Credit reporting or other personal consumer reports

I sent collection removal requests to all XXXX bureaus ( Equifax, Experian and Trans Union ) to have the following collection accounts removed from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent Certified Postal debt validation letters on XX/XX/year> to all the above mentioned Collection agencies and i have not as of the date of this request received any response from either of the collection agencies. So by law they have XXXX days to respond to my request and as i have stated i have not received any correspondence from either collection agency. I then requested from all XXXX above mentioned Credit reporting Agencies that all above mentioned collections be removed from my credit report immediately. As of the date of this request the collection accounts are still on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

referencing to complaint number XXXX I reviewed my consumer report and noticed that the late payments that I am continuously demanding for deletion is still reporting on my credit file without my CONSENT nor did i receive the proper disclosures from MILITARY STAR to opt out of my non public personal information being reported to a non affilliated third party pursuant to 15 U.S.C 6802 obligations. These payments are not late and consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. Please reinvestigate and provide proof showing that these payments were late. If proof can't be provided I demand these payments be updated to on time payments as they should have been for account AAFES/MILITARY STAR- acct # XXXX XXXX XXXXate payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
documents were uploaded in complaint XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Request for Purchase Agreement and Removal from Credit Report Portfolio Recovery Associates , LLC, I am writing to formally request the purchase agreement for the debt referenced above, as well as any supporting documentation related to the alleged debt. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). 
Under the FCRA, I have the right to request and review documents to verify the accuracy and completeness of any information being reported to the credit bureaus, particularly regarding accounts in collections. Specifically, I request that you provide the original purchase agreement or contract that governs the transfer of the alleged debt from the original creditor to Portfolio Recovery Associates , LLC. 
Additionally, as per Regulation F of the FDCPA, debt collectors are required to provide adequate documentation and proof of the debt being collected. If Portfolio Recovery Associates , LLC is unable to supply the requested purchase agreement or any relevant documentation proving the validity of this debt, I hereby request that you remove this account from my credit report under the provisions of the FCRA. According to Section 605B of the FCRA, if you fail to verify or substantiate the debt within the required timeframe, you must delete the account from my credit history. 
Please note that your failure to comply with these requirements within 30 days will result in my formal request for the removal of this account from my credit report. 
I would appreciate your timely response, as required by law. If additional documentation or clarification is needed, please let me know. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your offices have reported invalidated information to one or all of the 3 major Credit Bureaus ( Equifax, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative or adverse marks are such as ( late payments, collections, charge offs, inquiries etc ) are found on any of my credit reports by your company or any of the companies that you represent I will not hesitate in bringing legal action against you with the FTC as well as any other relevant government agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character copied from affidavit
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
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
Product: Checking or savings account

My Citibank savings account was made inactive. I was sent emails warning an account would be made inactive, but the number of the account did not match my savings account. I have been making deposits one to two times per month since opening the account XXXX years ago. My account was placed in inactive status on XX/XX/23. I called asking how to make it active and was told to send a letter to Texas. I sent the letter in XXXX but heard nothing. I called back and was told to send another letter. This time I sent it priority mail with tracking. It was delivered on XX/XX/23 but my account is still inactive. There are no Citibank locations within XXXX hours of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor is XXXX XXXX XXXX XXXX and I owe them {$0.00} dollars and XXXX ( XXXX XXXX XXXX XXXX ) knows that I owe {$0.00} but this reported to Equifax a {$700.00} balance. I can not believe Equifax would let this bogus company report this as a collection account when I owes XXXX XXXX XXXX XXXX {$0.00}. I want Equifax to remove this account from my credit file immediately. The account number is XXXX with XXXX XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered this account on being reported on my credit reports from XXXX XXXX and XXXX. I sent dispute letters to all credit bureaus, in response XXXX and XXXX both deleted this credit card from my credit report yet XXXX validated. Due to validation I called Citibank several times and was repeated informed that there was no credit card found under my name or my ssn. I disputed this again to XXXX and it continues to be reported to my credit report. This account is being reported on my XXXX credit report as CBNA balance {$960.00} partial account number XXXX showing being opened in XX/XX/XXXX, XXXX Credit limite of {$1000.00}. I do not have any recollection of ever opening this account, even citibank doesn't have this information in their system under my name. Attached is my last credit report, its on page 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX XXXX {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX XXXX {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX ( {$1300.00} ) ( XX/XX/XXXX ), XXXX   XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX XXXX {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX  {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to Experian, XXXX, and XXXX   about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX XXXX {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

From XXXX XXXX social security number is XXXX my experian credit report has one negative item that's charged off from XXXX its a fraud account I filed a federal trade commission identity theft report on file normally experian will delete the account from my report right away
Product: Debt collection

i do not recognize this information this is a fraudulent account that needs to be removed asap as it was opened as a result of identity theft
Product: Money transfer, virtual currency, or money service

The BlockFi terms of use state that a users wallet is their own property at all times, and not the property of BlockFi. BlockFi, however, has acted as if it is their property and refused to provide access to, withdrawals of, or otherwise has converted users assets contrary to its own terms of use and without authorization of the users. 

The Wallets should be returned to each own, especially XXXX assets which were represented to be backed 1:1 from instititutions, thereby knowing that the assets can be withdrawn. Any other action by BlockFi is not legal and is akin to fraud, embezzlement, and stealing of user assets -- especially if such assets are being used to finance BlockFi 's other initiatives or financial problems with separate and distinct loans or related transactions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago, but have yet to receive any response or adequate validation. I'm seeking your help to address and resolve this situation quickly and efficiently.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Balance : {$3100.00} XXXX  XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I went to the emergency room at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX on XXXX XXXX. I was later billed ( around 3 months after the fact ) for a total amount of {$100.00}. I paid the full amount on XX/XX/2024 with the payment recieved/confirmed by my bank on XX/XX/2024. I received a letter from State Collections Service , Inc. just last month in XXXX stating I now had an outstanding debt of {$400.00}. I'm not sure why the hospital did not contact me further notifying me of the outstanding debt or why there even is an outstanding amount for a bill I already paid.
Product: Money transfer, virtual currency, or money service

Your Claim Number : XXXXXXXX XXXX XXXX  XXXX XXXX : You filed a claim in the Equifax XXXX XXXX Settlement between XX/XX/XXXX and XX/XX/XXXX. We have processed your claim and determined that you are eligible for a XXXX XXXX 

You chose to receive your XXXX XXXXt via check. The XXXX XXXX can now offer you the ability to receive your payment electronically via XXXX or pre-paid card. If you would like to switch your payment selection to electronic payment via XXXX or pre-paid card rather than a physical check, please click here. 
If you do not want to change your payment selection of check, you do not need to do anything. If we dont hear from you by XX/XX/XXXX, your payment will be sent to you by check. 
If you also filed or file a claim between XX/XX/XXXX and XX/XX/XXXX, and you are eligible for a XXXX XXXX we will use your most recent payment choice to send you your XXXXXXXX XXXX 

This notice is from the XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), not Equifax. Please do not contact Equifax with questions. You may contact XXXX  by email at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, or by mail at Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My Message - -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : No check or return response happened for Equifax settlement Who has the money ticket # XXXX/Equifax XXXX XXXX XXXXXXXX I was promised a refund in late XXXX, then mid XXXX. There is no response to phone call or my daily emails for a XXXX 

I am very suspicious of this process. 
XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.