23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My identity was compromised by a Romance Scammer in XX/XX/2021. He used my information to open 3 major credit cards without my knowledge or consent. These were all new cards. He applied online without my consent or knowledge or my signature. I did not gain financially at all from this action. He conducted Balance Transfers by using these new credit cards. The transfers began in XX/XX/2021. I was not aware of this at all until I started to receive statements. I was coerced to make some initial payments until I was aware these were all fraudulently done. I have not gained financially from their use. I was never aware of these cards. He acted solely for his own financial gain. I have filed reports of fraud with the local Police Department, the FTC, and the FBI. I should not be held liable for any payments to these accounts. The balance with Capital One is now {$14000.00}. 
The balance with XXXX is now {$17000.00}. The balance with XXXX XXXX is now {$52000.00}. These balances are all approximate. The activity on all credit cards was done approximately between XX/XX/2021 - XX/XX/2021. Each actual credit card company has the complete dates and amounts that were conducted as Balance Transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and it appears that there is inquiry of the company that I did not authorize to be ran as many times as it did. I Reported it and I did not provide express authorizationXXXX XXXX XXXX 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 or other personal consumer reports

In year XXXX, during covid pandemic, I set up all my credit cards on auto pay. XXXX of XXXX  I used XXXX auto pay to pay my account every month, however XXXX autopay system did not debit my account on the due date properly. When I noticed it, I immediately made the payment and requested that XXXX fix their autopay system. My credit report continues to show this account as 30-delinquent one time in XXXX. I requested the store to remove the late payment as a 1 time courtesy, since I believe it was their autopay malfunctioning. XXXX has refuse to make the necessary adjustment to their credit reporting. I am requesting the CFPB to resolved this dispute by contacting XXXX XXXX XXXX and request that they do their due diligence and remove this 1 time negative reporting from my credit reports. 
Regards, XXXX XXXX
Product: Mortgage

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX, La XXXX Account Number/SSN : XXXX Re : My mortgage Loan : / XXXX Date : XX/XX/2020 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a Few late payments reported on XX/XX/XXXX/XX/XX/XXXX,  XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. 
I want you to know that I understand my financial obligations, and if it werent for Going through a BAD DIVORCE ( hardship, etc ), Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive made my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then, Ive had a spotless record of on-time payments. Im working hard to structure a solid foundation for myself and my XXXX kids going forward. 
Im planning to re-establish my credit and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments listed above. Thank you for your consideration, and I hope youll approve of my request. 
May XXXX forever blesses you is my prayer. 

Best, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made 2 XXXX XXXX transactions, realized they were a scam before the transaction went through, the money hadnt been deducted from my account when I reported it, the first person I spoke to at Wells Fargo told me she recommended to not stop payment but to open a claim and everything would be fine Wells Fargo denied my claim and now said I cant appeal the decision, I told them had they stopped the transaction before it went through we wouldnt be in this situation, now Im out {$260.00} and Wells Fargo is saying I have no options and it was a done deal, Im just going to have to take a loss, they also told me today that they actually never had the option to stop payment, then why did the first employee tell me different? She couldnt answer that question today
Product: Credit reporting or other personal consumer reports

I have sent dispute letters time and time again disputing these items and they keep Coming back stating this The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. I was in a recent data breach with Equifax and I disputed that info and they are still coming back as listed above. 

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting that Equifax block and delete all information related to these fraudulent accounts from my credit file.
Product: Credit reporting

XXXX XXXX XXXX XXXX is not removing the XXXX XXXX Account which is 9 years and 3 months old. The vehicle was repossessed XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is XX/XX/XXXX. 
I have disputed this account with all XXXX credit bureaus and the XXXX XXXX XXXX XXXX but they are refusing to delete this account.Please ask Experian to delete this account ASAP.My cell phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however XXXX XXXX XXXX has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to urgently request the re-investigation and removal of fraudulent accounts listed on my credit report, which I have previously disputed without satisfactory resolution. Despite submitting an FTC Identity Theft Report and multiple pieces of documentation supporting my claim, these accounts continue to appear on my report, impacting my credit negatively. 

I initially reported these unrecognized accounts and have engaged with your agency several times, seeking verification or removal of these entries. The persistence of these unverified entries is concerning, given their significant negative impact on my financial reputation. 

I formally request a thorough investigation into these accounts. If these accounts can not be verified as belonging to me, I insist on their immediate removal from my credit report. I also request written confirmation of the actions your agency takes in response to this letter. 

Please treat this matter with the urgency it requires. According to the Fair Credit Reporting Act, I expect a response within 15 to 30 days. If the issue is not resolved satisfactorily, I am prepared to take further legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift action and a resolution that corrects my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX XXXX i commenced a dispute of the contract between me and XXXX XXXX XXXX Via an inquiry directly with said company At which point I was under the impression that negative reporting would cease for 30 or at least until There was proper validation of the obligation however XXXX and Equifax immediately reported negative information during this time and they refuse to rectify this mistake after I have reached out to both of them and provided all pertinent documentation of this dispute. XXXX is also refusing to amend the report after several request
Product: Credit card or prepaid card

Acceptances by AMERICAN EXPRESS on account number ending in XXXX Certificate Of Non-Response : I, XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account number ending in XXXX. This notice is pursuant to federal and state law evidence of dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. On the date of XX/XX/2022, AMERICAN EXPRESS at XXXX XXXX XXXX XXXX, NJ XXXX received a remittance/coupon payment via United States Postal Service Priority Mail and a AMERICAN EXRESS agent signed for the payment as verified by Certificate Of Service . After acceptance of mailing, AMERICAN EXPRESS refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding account number ending in XXXX. AMERICAN EXPRESS did not send my payment back to me within 3 business days and kept it for their own gain. AMERICAN EXPRESS did not cure their dishonor. AMERICAN EXPRESS gave no creditable or justifiable reason, or federal laws and or regulations for refusal to confirm the adjustment and settlement of account number ending in XXXX or send a notice of dishonor. Despite the numerous phone calls to multiple AMERICAN EXPRESS departments including but not limited to the Customer Service department, Payments/ Billing department, Account Services , Legal Department , Executive Office , Collections Department XXXX about my payment not being reflected on my account, trying to explain and give a breakdown as to why federal law says this is a legal form of payment and what FDIC Law 7500- FRB Regulation 204.1 iv defines what a deposit is : ( Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ; AMERICAN EXPRESS has willingly and knowingly been non compliant and has ignored federal law. Sources : Bills Of Exchange Act, Truth in Lending Act, UCC 1-202, UCC 3-103 , UCC 3-104, UCC 3-603, UCC 3-503, UCC 3-311, UCC 3-301 , UCC 3-302, UCC 3-415.
Product: Credit card or prepaid card

On XX/XX/2021 was contacted by The company Current XXXX  in regards to unauthorized access to my current card account. Current advised me that someone was attempting to login in to my account from XXXX, Florida. Due to the fact that I have had no recent transaction nor transfer activity in the state of Florida. Current, wanted to alert me of the attempt. They advised me that the attempted had been blocked and my account was secure. 
On XX/XX/2021 upon receiving transaction notifications from Current. I saw where my direct deposit in the amount of {$410.00} posted to my account and was immediately transferred to an unknown account. I immediately reached out to Current support who initially stated that a dispute had been submitted for my case. On XX/XX/2021 I reached out to Current support for an update regarding my case.Considering, I had never received a confirmation email from the dispute department. Nor, any correspondence regarding the fraud that had taken place on my account I was advised that there was nothing they could do to further assist me. I would have to await for correspondence from the dispute department or pursue the investigation myself. As of today XX/XX/XXXX, I have still not received any updates nor assistance from current. In addition, I have just been made aware of another attempted withdrawal in the amount of {$260.00} at a XXXX XXXX in Minnesota. The transaction was only declined due to insufficient funds. It concerns me that Current has not put fraud preventive steps in place to protect my account after having already been notified of recent fraudulent activity. This is obvious fraud and they are unwilling to assist me an attempt to get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX last 4 ss XXXX XXXX, Transunion, XXXX Are reporting inaccurate Fraudulent accounts on my Credit. I have filed multiple disputes regarding these accounts and they refuse to remove and provide me with how they obtain the information and what information the obtained to show that I'm the one responsible for the debt. They even have several inquiries on credit report that don't belongs to me either. According to FCRA Rules and procedures and I quotes If any credit Breau fail to remove Fraudulent or inaccurate accounts that's being reported on credit report I have the right to sue them in Federal Court. Therefore I'm once Again requesting that the following items be removed from my credit report immediately. 
1. XXXX XXXX  ( Fraudulent ) identity theft 2.XXXX XXXX ( error on report this has been paid it shows In collections ) 3.XXXX ( Fraudulent ) Identity theft 4. XXXX XXXX ( Fraudulent ) Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me. Please remove them as I did not authorize them. 

XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until XXXX XXXX My accounts with XXXX have been listed as in dispute and I have no heard a word from Equifax after i sent letters several times.
Product: Debt collection

OnXX/XX/XXXX, this company reported false information to the credit bureaus. The company said I made a {$90.00} payment on a very old collection. This is the third time they report false payments made by me. This false payment will now allow them to re-age this debt and it will continue to harm my credit score. This debt has less than a year to report, according to statutes. Theyve tried to garnish my wages back in XXXX and the courts would not allow it. Now they are lying about payments and trying to re-age the account. This is not legal. You can not report false information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  2022 I wired funds from my XXXX XXXX XXXX business account to Wells Fargo Bank to purchase equipment for {$37000.00}. I made the mistake of trusting the financial institution of Wells Fargo because little did I know at the time that Wells Fargo was involved with fake accounts. I tried to get XXXX XXXX to recall the funds but wasnt successful. After reporting the scam to XXXX XXXX they said Wells Fargo was investigating the incident but after 6 months of investigation they said they closed the investigation. They didnt provide any other information or details.
Product: Credit reporting

I have tried several attempts disputing inquiries that I have made not made to all the credit bureaus. I did not apply for any job now was I granted credit with and of those companies. I even sent certified letters to those creditors with no response back. I would like for all inquiries to be removed from my credit report.
Product: Student loan

Citibank student loan Citiloan? lied about my graduation date which I wrote repeatedly and called reporting it's wrong in their documents, they charged extra interest fraudulently XXXX, XXXX, XXXX, XXXX, XXXX  ( date of loans about XXXX- XXXX ). They sent my loan to a collection agency, I was hounded daily by threats of lawsuits by email, phone, and postal mail. My XXXX XXXX XXXX in XXXX and I broke apart visibly. I suffered injuries to my XXXX XXXX because of Citibank 's refusal to acknowledge the U.S. Dept. of Education and XXXX University documents of my real true graduation date and my pleas for help. I paid huge amounts I starved for and lost my XXXX  XXXX to have a XXXX for in XXXX   XXXX XXXX  to Citibank 's demanded moneys I justifiably did NOT have to pay some of that by laws. The predatory school XXXX University XXXX XXXX XXXX XXXX lied I would have employment " {$100000.00} to {$500000.00} '' Financial Aid Officer said in front of staff, administration, the XXXX XXXX XXXX, and others to me. I was unemployed for 4 years after graduation. Twice trying to start a position, told I was unprepared, and let go, fired from internships, etc. because the predatory school faculty and staff didn't respond to emails for documents required to graduate by training over 2 years of unpaid unemployed training XXXX before the 4 yrs unemployment after degree, so Citibank refused to acknowledge in writing {$8000.00} payment I made, citibank refused to acknowledge that amount in document claiming they sent the loan to collection agency, so my paid amount Citibank refused to acknowedge to me, loan collection agency, and in the lawsuits against me threatened me, put me in their collection agency lawsuit threat, demanded I pay a huge percentage all at once which no one could do, so my mom emptied out credit cards, lost her retirement savings, and our health suffered paying it. I want my money back from citibank as refund and forgiveness, although they forced documents signed about us not suing or they would sue us for ALL the WRONG INFLATED loan amount falsified by them against me. I was terrorized in their financial fraud. I read you sued Citibank for such illegal private student loan practices, but I never heard from your people about your won lawsuits. PLEASE HELP ME immediately. they will fraud collections ( i.e, XXXX XXXX   XXXX ) has the loan so they can't do anything but it is a con set up of frauded loan amount to start with.
Product: Checking or savings account

i signed on to complete checking with the intensions of getting a XXXX gift for signing up and to receive it before or on 180 days, i asked about it on the 180 day, the next day they sent a message that i didnt have some paper when i signed up i show the guy the paper and he said i would get this money by 180 days.well i didnt i was just scamed by these rotton bankers, td banking is bad
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm accordance with The Fair Credit Reporting Act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 Account XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX XXXX Mutual Account or Ref # XXXX XXXX ref XXXX XXXX XX/XX/17 XXXX XXXX Bankruptcy.. and My name is reporting incorrectly MY name is XXXX XXXX XXXX it is reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX or XXXX XXXX and wrong addresses my address is XXXX XXXX XXXX XXXX, GA XXXX These accounts have 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Sec States, No consumer reporting agency may make any consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then 7 years. 
15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall 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 in accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Equifax regarding a Bankruptcy that was showing on my credit report. I never filed for Bankruptcy. This is inaccurate information on my credit report. It is also appearing on numerous accounts that are closed as included in Bankruptcy. 

I asked Equifax to verify this information and they came back stating the information was verified with XXXX XXXX, a third party. This is completely false, XXXX XXXX does not report my information. I have an attached letter from them stating they have ceased all reporting for my as of XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on my report that isn't being removed after several attempts