23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XXXX of last year. I found an XXXX  for XXXXXXXX XXXX XXXX company on XXXX and called them. After that, I spoke to XXXX XXXX, and he wrote to me on the XXXX app. XXXX sent me ads for XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And assured me that all the deposits were covered by several different Insurances, including Sec, and Finra. Then On XX/XX/XXXX of This year, I made a {$500.00} deposit in XXXX  to a wallet in The XXXX XXXX XXXX XXXX or XXXX, Using The XXXX XXXX program Transaction. ( XXXX ) To Wallet ( XXXX ) After the transfer, I was Chatting, and working with XXXX XXXX, who is trader. He set up for me XXXX XXXX on XXXX XXXX XXXX XXXX It started to work. I think that I made close to {$95.00} dollars in the first week. But then, after I did not see any profit. And I started to have a bad feeling about this Platform. When I started to make a deposit and trade, Both XXXX XXXX and XXXX XXXX, Assured me that my deposit and account are covered by Sec And Finra insurances.

Also, they told me that my account could be closed in 2 weeks, and I will receive my deposit back. Even before deciding to close my account, I tried to transfer some money out of my account. But I could not. After that, on XX/XX/XXXX I asked XXXX XXXX to close my account. 
And he told me that I could not withdraw any money because I tried to close my account. 
Also XXXX told me that it would take me 3 month to close my account. And three month later, sometime in XXXX, I received a call from XXXX, who said he is a Manager or Owner of The Platform. Then he told me that to withdraw my money, I have to deposit another {$500.00}. But I could not then. And I lost XXXX XXXX  phone number. Later on, I read that this company could be a scam On XX/XX/XXXX, I reported this scam to Sec Oig by email But no one responded to me. And On XX/XX/XXXX. I reported this to XXXX XXXX online, and by email. The Contacts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Called me XXXX ( XXXX ) XXXX XXXX Recently , I was Contacted by XXXX XXXX ( XXXX ) On XX/XX/XXXX Who claims to work for the Finra regulator. And he forwarded my info to XXXX XXXX XXXX, XXXX Who works for XXXX XXXX XXXX claims to work for XXXX XXXX 
Currently, XXXX XXXX said that the Scammers from The XXXX XXXX XXXX XXXX, have stolen my wallet, and that there are {$9000.00} in the wallet after the Algorithmic Trading And he wants me to Send XXXX XXXX from my XXXX XXXX wallet to https : XXXX In Order to Sync the wallets and They want 10 % pay of the sum in the wallet to recover my funds Also, XXXX said that if I don't use his company to recover, Then the Irs will Tax me.

And i will pay 20 % tax I think that this could be a scam I sent my bank account info to XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Zelle Corporate Headquarters Subject : Urgent Matter - Fraudulent Activity on Zelle Account Dear Zelle XXXX XXXX, I hope this letter finds you well. I am writing to report a serious issue involving fraudulent activity on my Zelle account, which I believe requires immediate attention and resolution. 

I recently discovered unauthorized transactions that have taken place using my Zelle account credentials. These transactions were not initiated by me, and I suspect that my account might have been compromised or involved in a scam. The unauthorized transactions have caused a significant financial loss to me and have raised concerns about the security of my account. 

I kindly request that your team investigates this matter promptly. It is crucial that the fraudulent transactions are reversed, and the necessary steps are taken to secure my account from further unauthorized access. I understand the importance of cybersecurity and customer protection, and I trust that Zelle takes these matters seriously. 

To assist with your investigation, I have included the following details : 1. My Zelle account username : n/a 2. Date of unauthorized transactions : NONE XXXX. Description of unauthorized transactions : NONE 4. My contact information : Email Address : XXXX Phone : XXXX I would appreciate it if you could keep me updated on the progress of your investigation and the steps being taken to resolve this issue. Additionally, if there are any actions I need to take on my end to enhance the security of my account, please let me know. 

I am confident that Zelle 's customer support will handle this situation promptly and efficiently. I urge you to prioritize this matter due to the financial and emotional distress it has caused. I am hopeful that we can work together to resolve this issue and restore my trust in the security of my Zelle account. 

Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this distressing situation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal of Bankruptcy XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, Experian, and XXXX on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Product: Credit reporting

Hi Experian and CFPB On several Occasions asked for my phone number to be updated and any old numbers to be removed, I all most lost my XXXX phone because they could not go forward due to my phone number not being correct on my Credit fraud Alert. Please remove all old numbers and add My Current Number XXXX This is the number to be listed. Please again remove the Old one you have listed in the Alerts. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine and is an result of fraud please remove this account immediately. 

1. XXXX  XXXX XXXX {$1100.00}
Product: Mortgage

I am coming to the Consumer Financial Protection Bureau for protection from Shellpoint mortgage before they start the foreclosure proceeding using bogus claims of a missing payment in XX/XX/year>XXXX XXXX XXXX company is a previous mortgage company that created this whole debacle in the mist of selling the mortgage to Shellpoint mortgage co. XXXX contacted me in XX/XX/year> stating my bank returned my XX/XX/year> payment was returned " unable to locate '', 8 months later and they were taking my XX/XX/year> payment and applying it to the XX/XX/year> and my XX/XX/year> was late and they were charging my account late fees and insufficient funds fees. I have sent Shellpoint 3 bank statements showing a Payment was debited on XX/XX/year>. 
for over XXXX I have been harassed and threatened foreclosure to the point psychological harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted credit dispute letters to Equifax Information Services LLC on XX/XX/XXXX and XX/XX/XXXX regarding discrepancies on my credit report regarding a Chapter XXXX Bankruptcy ( see attached Equifax Dispute Letter XX/XX/XXXX ). Each time I request an investigation and correction to my credit report, Equifax does not conduct an independent investigation and simply states, " We have verified that this public record item is reporting correctly. '' Equifax has violated the Fair Credit Reporting Act by not conducting an independent investigation regarding inaccurate information on my credit report. Equifax states in their Equifax Credit Dispute Results letter dated XX/XX/XXXX, " This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. '' Equifax made a false statement because I have placed a Security Freeze on my XXXX Credit report ( see attached XXXX Security Freeze Letter XX/XX/XXXX ). I also attached a letter dated XX/XX/XXXX from the U.S. Bankruptcy Court - XXXX stating, " Please be advised that the filing of bankruptcy is a public record and this information is routinely collected by credit reporting companies and is not reported or verified by the court to them ... '' There is no way possible that Equifax independently investigated my credit dispute request. Equifax failed to obtain any new information from XXXX as it claims in their letter and the U.S. Bankruptcy Court - XXXX does not provide this information also ( see attached U.S. Bankruptcy Court Letter XX/XX/XXXX ). 

This proves that Equifax did not conduct an independent investigation on my Chapter XXXX Bankruptcy, and I am requesting to have the item removed from my Equifax credit report immediately. 

Please help me with this case. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened XXXX CD 's - XXXX with about {$5000.00}, the second with about {$10000.00} and the last one with about {$42000.00}. 

I went onto the Marcus website and requested the first CD total proceeds to be redeemed via ACH to my XXXX checking account. 

Then I requested my second and third CD 's to be redeemed via ACH to my XXXX XXXX savings account. 

The first XXXX CD 's were redeemed promptly and flawlessly. The last CD expired XX/XX/2024. My instructions, which were followed flawlessly on the prior XXXX CD 's were IGNORED. I called and had empty promises and one call the agent insisted on contacting XXXX via three way call. 

Due to this unnecessary delay, I incurred late charges on the bills I was going to pay. Therefore I demand 6 % APY interest paid to me from maturity until my XXXX account receives the {$42000.00} ( approx ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX
Product: Student loan

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both the credit bureaus and XXXX XXXX with no successful resolution. The credit bureaus only reporting me late. There was definitely an error on their part. I was never late.
Product: Credit card

I requested a copy of my XXXX report. I noticed two inquiry on XXXX and XXXX. I asked them to delete and they said they would investigate. They have not done so thus far. 

From WebBank/Avant. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX
Product: Bank account or service

HelloOn XXXX XXXX I received a very cryptic email from Paypal that my account was being suspended for security reasons, since then I have attempted to communicate with them via phone or email to get issue resolve with no successI am being told that I have violated their terms and conditions and because of this my account has been suspended and money will be on hold for 180 daysI have attempted to find out what policy was violated and I ca n't get an explanation I have also asked why they need to keep my money and receive no real reasonI have detailed emails that I can provide with communication with Paypal on this issue to anyone that would like to reviewThanks
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have disputed with Toyota Motor Credit every 45 days about the X unknown statues on my credit reports from XXXX, XXXX and experian for the month and year of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the dates listed were paid on time. The also reported several incorrect late payments I have disputed with no resolution.
Product: Credit reporting or other personal consumer reports

Re : Consumer Financial Protection Bureau Complaint - Removal of Non-Mailable Address Dear Equifax Information Services, I am writing to dispute and request the immediate removal of a non-mailable address from my credit report. The address in question is as follows : XXXX XXXX XXXX XXXX XXXX, CO XXXX I would like to emphasize that XXXX  no longer reports this address, and its presence on my Equifax credit report poses a potential identity theft risk. In order to uphold the accuracy and security of my credit information, I kindly request Equifax to expeditiously remove the non-mailable address mentioned above. 

I am seeking a comprehensive investigation into this matter and expect confirmation of the removal, sent to my address listed above. Your prompt attention to this issue is crucial, and I look forward to a resolution within the specified time frame. 

Sincerely,
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 Subject : Formal Dispute of Charge-Off Account per 15 USC 1681e ( b ) and 1681a ( 2 ) ( A ) ( i ), Non-Receipt of 1099-C, and Request for Restitution of Damages To whom it may concern, I am writing to formally dispute the charge-off account listed on my credit report associated with XXXX and XXXX XXXX XXXX. Upon reviewing my credit report, I have reason to believe that the reporting of this account is inaccurate, and the credit reporting agency is in violation of both 15 USC 1681e ( b ) and 15 USC 1681a ( 2 ) ( A ) ( i ), which establish requirements for the accuracy and completeness of credit information.

Legal Framework : 1. 15 USC 1681e ( b ) requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. The charge-off information in this case is inaccurate and unverifiable.

2. 15 USC 1681a ( 2 ) ( A ) ( i ) defines the specific circumstances under which a debt may be classified as a charge-off and reported as such. If a debt has been canceled, forgiven, or discharged, this must be reported correctly, and the creditor must issue a 1099-C ( Cancellation of Debt ) form in accordance with IRS regulations . The absence of a 1099-C form indicates that this debt may not have been properly discharged, making the continued reporting of this charge-off questionable.

Request for Investigation and Verification : In light of the above, I request that you : 1. Conduct an immediate investigation into the accuracy of this charge-off and verify whether the debt was canceled, forgiven, or discharged according to federal guidelines.

2. Provide verifiable documentation supporting the charge-off status, including any records demonstrating that a 1099-C was issued or should have been issued. If this documentation can not be provided, the charge-off must be removed from my credit report.

3. Correct or delete the charge-off from my report if you can not verify the legality and accuracy of this information within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ).

Request for Restitution : Furthermore, the continued inaccurate reporting of this charge-off has caused damage to my financial reputation and creditworthiness, hindering my ability to obtain credit and causing unnecessary stress. In light of the damage caused by this erroneous reporting, I am requesting restitution of damages in the amount of {$2500.00} to compensate for the harm to my credit score and the associated financial distress. 

Please treat this letter as a formal request for both the immediate correction of my credit report and compensation for the harm caused. If I do not receive a satisfactory response within 30 days, I will consider further legal action to ensure compliance and recover additional damages. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of this charge-off and the resolution of this issue in a timely manner. 

Sincerely, XXXX XXXX
Product: Bank account or service

I did not receive the promised XXXX ThankYou points for opening a Basic checking account and satisfied the requirement.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The 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. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXXXX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Please see screenshot attached. inaccurate data reported. 15 U.S. Code 1681e
Product: Credit reporting or other personal consumer reports

The company is reporting fraudulent inaccurate information on my credit report. There inquiries on my credit report that was done fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I reached out to experian fraudulent department and XXXX told me that the ones couldn't be removed even after I explained that it was done fraudulently. I request that these items be removed immediately.
Product: Vehicle loan or lease

XX/XX/2013 I purchased a vehicle ( {$15000.00} ) financed by Ally financial. A few months after obtaining the vehicle i found out there was a class action lawsuit on ally for charging 4-5 percent more interest to minorities. I asked multiple times to lower the interest ( 15 % ) but i was told no they cant. After so many attempts i told them to get the car. Now ally auctioned off the car for ( {$7000.00} ) and now I have negative mark on my credit for ( {$7800.00} ). 
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-doj-order-ally-to-pay-80-million-to-consumers-harmed-by-discriminatory-auto-loan-pricing/
Product: Debt collection

I sent a written cease and desist letter via fax on XXXX XXXX telling them that I would contact the originator of the alleged debt to work out any concerns. I received a notice from the RMS on the XXXX stating I had 10 days to pay them with fees and interest or they would contact the credit reporting agencies.
Product: Checking or savings account

There was a checking account and savings account opened in my name without my permission. The account is not mine, I did not open the account, I did not receive deposits to the account, I am not responsible at all.     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC.  See  attached reports certifying ID Theft and specific account in question. I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.
Product: Credit reporting or other personal consumer reports

I Have 4 Hard Inquries on my credit that i did not do i was trying to figure out why i could not get approved for apartments i dont know if i was supposed to reach out to each company but i need help with removing off my credit this is an huge error i wasnt sent any letter in the mail or anything XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit increase with XXXX XXXX  and was denied a week later I applied for new credit with XXXX XXXX XXXX XXXX XXXX and was denied. 

I received letter from both And discovered that they both pulled from Experian. 

Experian list my credit score at XXXX. 

I asked Experian provide a valid reason why my Experian credit score is a significant lower than XXXX XXXX XXXX XXXX When all three companies have the same information displayed on the credit reports. 


As of XXXX XX/XX/2023 Experian not address the grave issue, which has greatly affected my prospects for credit