23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. Please remove these accounts listed below. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Money transfer, virtual currency, or money service

In the past, I have used Zelle to transfer money and it has not gone to the correct account. I was denied refunds as a result. Loosing finances without any recourse or resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've disputed account numbers : # XXXX + # XXXX ] With the collections first requesting for validation of the debt and HIPPA authorization, and received letters back rejecting my dispute. My next step was to reach out the bureaus which they've also refused to comply with my request in dispute. 

I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 15 U.S C 1681s-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 inaccurate. They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a late / missed payment over 30 days on my credit report without sending me a statement 21 days before the bill was due as required by the credit Card act XX/XX/XXXX, this account never showed up on my online account ; I had Visa, and Master Card which is the card in dispute ; I received three statements for different months in one letter in XXXX after contacting customer service concerning the late payment, and informing customer service I never received any statements on the amount owed ; once I was informed of this debt it was paid in XX/XX/XXXX, I never used this Master Card, I have had a Visa account with XXXX XXXX over a year, and never missed a payment, both accounts have been closed at my request ; why was XXXX XXXX holding all of my statements, and sending them to me after a request, and alert on my credit report instead of sending them monthly before the due date as required.
Product: Credit card

Have sent XXXX XXXX XXXX XXXX and Security Credit Services my police and FTC report showing I was a victim of fraud. Sent my passport also. I have never had a account with XXXXXXXX XXXX XXXXXXXX XXXX. Also need a signature verification from both of these companies as to how they validated this account being mine.
Product: Mortgage

Mortgage company : Freedom Mortgage Loan No. : XXXX I was approved for a forbearance plan due to the Covid pandemic ( CARES ACT ) by my previous mortgage service provider, XXXX XXXX 
Start date of Forbearance : XX/XX/XXXX. 
End date of Forbearance : XX/XX/XXXX ( total duration - 12 months ) My mortgage account was transferred to a company called Freedom Mortgage, effective XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Freedom Mortgage and informed them that I was ready to exit the forbearance plan and start making regular mortgage payments from XX/XX/XXXX. 
In a decision letter dated XX/XX/XXXX, Freedom Mortgage informed my in writing that I was eligible for a " Covid-19 Combination Partial Claim and Loan Modification '' option. I signed the letter and sent back to Freedom Mortgage for processing. 
As for today ( XX/XX/XXXX ), Freedom Mortgage has not processed the documents necessary to exit the forbearance plan. I have made numerous phone calls to Freedom Mortgage customer Service and each time I was told that the documents are in processing. 
I was informed in one of the phone calls that the target date for my regular first payment would be XX/XX/XXXX. I called Freedom Mortgage customer service again this morning enquiring about the processing of the documents and I have been give the same answer - documents in processing, no time line as to when they will be completed. I have been quite anxious dealing with Freedom Mortgage, as my personal experience is that there is very little coordination between different departments of the company. It puts in high risk as one department, oblivious of what is happening, may start a foreclosure action against me, while the customer service department is reassuring me that everything is fine and that I do not need to worry. 
I believe I face great risk due to the inaction by Freedom Mortgage in processing the forbearance exit documents.
Product: Debt collection

XXXX a magazine company is stating I owe XXXX dollars and I do not. They have contacted me on my cell phone very rude and threatening and called me at work today XX/XX/2018 a man this time very demeaning and belittling and threatening. They also called my XXXX XXXX XXXX mother today XX/XX/2018 who just got out of the hospital said they were going to freeze her XXXX and they had a warrant for my arrest. My mother was beyond upset and can not afford to get upset in her state of health. They said they would call my work and get me fired. The scared me and intimidated me and my elderly mother! The first woman that called was XXXX at XXXX Ext XXXX. The man that called today I didn't remember his name asked for him to repeat it and he would not and he would not give his phone number. He said they were freezing all my bank accounts pay check etc all income. This is so wrong and abusive especially and elderly XXXX woman fresh out of the hospital. Please help me make this stop. I bought nothing from them. There address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp due to inadequate customer service and unfair practices, which violate The CFPA. Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they didn't comply with error resolution requirements under the EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

I have been unable to access my direct deposit payroll check since payday on XXXX/XXXX/2015. I have placed numerous calls to rush card but have only been able to speak with someone XXXX times. I was told twice ( Sat., XXXX EST, that an escalation request would be submitted & I would either have my deposit or hear from someone in 12 hrs. Then again on Monday, XXXX/XXXX/2015 I was gave my information again & assured that I would have my money by the end of business that day ). Today is Wednesday, XXXX/XXXX/2015 and I have been unable to contact anyone. Calls are disconnected. I have not received any tx, emails or phone call. In addition I have contacted XXXX, they we helpful, & I received more info from them since this nightmare started. I just want the truth, and an estimate of when or if I will be able to gain access. The total disrespect while paying lip service is so unacceptable. In this age of technology, it is hard to believe that it would take this long to rectify. It is very scary and there seems to be no recourse.
Product: Debt collection

XX/XX/2020, I received a letter by mail stating I owed a debt and that was an attempt to collect this debt. Healthcare revenue Recovery Group ( HRRG ) is the company stating I owe this debt. I will be sending a similar letter to the major credit bureaus as well. I have sent two letters to them and I have still not received a response from them and it will be a month from my dated letter, and I have not received a letter or response from either company. This is not fair as these companies are reporting these debts on my credit report, harming it without validating and proving this debt belongs to me. 


I have asked them to validate these letters. They do not provide the information I am asking of them. I have sent them a failure to validate that this debt belongs to me. I have attempted two times. One gives them 30 days and the second time gives them 15 days to gather their information as they are failing to validate this debt.
Product: Debt collection

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

CITI XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

To whom it may concern I'm writing to seek your assistance in a pressing matter regarding my credit report. Two bankruptcy entries appeared on it, which I believe were inaccurately reported. These entries stem from Lexis Nexis, a credit reporting agency, and were shared with major credit bureaus- XXXX, XXXX, and XXXX. 

Lexis Nexis sources this information from the publicly accessible PACER ( Public Access to Court Electronic Records ) system. While the PACER disclaimer acknowledges the potential for errors, the concern here is the use of my data without the proper authority, which could infringe on 18 U.S. Code 912, resulting in legal penalties.

These actions not only appear to breach federal laws but also my rights as a U.S. citizen. I request your help to prompt Lexis Nexis to remove these inaccurate bankruptcy records from my credit report within the legally mandated 30-day window. I also insist on an updated credit report after the matter is resolved.

Additionally, I believe Lexis Nexis may have violated two more laws : the Social Security Act ( 42 U.S.C. 405 ( c ) ( 2 ) ( C ) ( i ) ) and Virginia Code 18.2-186.3, which concern the use and disclosure of SSNs without proper consent.

Considering the gravity of these concerns, I implore the Consumer Financial Protection Bureau to step in and facilitate the removal of these erroneous entries. Your prompt attention to this matter is greatly appreciated. 

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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/2025 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

Ive had a PayPal credit account for 7 months, used it for some auto repairs and other general stuff let a balance ride on it but paid minimum or more every month, the deferred interest hit and I was in a position to pay the full balance ( over XXXX XXXX  ) and they immediately closed my account hurting my credit picture I was trying to fix to get a home equity loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - XXXX  XXXX XXXX # XXXX -XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX -XXXX  XXXX  # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX -XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute for XXXX XXXX XXXX to either update or remove all inaccurate information. Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit card

Subject : Urgent Request for Account Review and Immediate Resolution Dear [ Credit Card Company ], I am writing to express my frustration and demand an immediate review and resolution of the issues I have faced with my credit card account. In XXXX, I was severely affected by XXXX XXXX. I lost everything and had to relocate to Maryland with my family. Despite the hardships, I did not receive adequate financial assistance. XXXX provided me only {$11000.00} after a year, and I was denied housing vouchers and food stamps because they based my eligibility on my prior income before the hurricane. 

When I approached federal agencies for assistance, I was told that I could only do a few deferments, which I utilized while continuing to make payments. In addition to the difficulties caused by the hurricane, I fell ill with XXXX and requested relief, which was not granted. It wasnt until XXXX that I was informed my account had been closed in XX/XX/XXXX. Despite this, I received conflicting information from your representatives, adding to my confusion and frustration. Some stated that my account was still active while others confirmed it was closed. 

Moreover, I was sent a new credit card, which added to the confusion. When I called last month to set up payments, I was told that I still had access to my account, yet I had not received a new card. This inconsistency in communication and lack of support is unacceptable. 

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

What does 15 USC 1681 mean? 


: governs access to consumer credit report records and promotes accuracy, fairness,, and the privacy of personal information assembled by Credit Reporting... 


https : //bja.ojp.gov statutes Fair Credit Reporting Act Bureau of Justice Assistance My information was exposed in the data breach I want all late payment/charge off Deleted from my credit report in all three credit Reporting agencies. Equifax, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX did not approve the XXXX XXXX  that I purchase when buying the car this was the reason for giving back the car. I had contacted numerous times to receive help and none was given. I took the car to 2 different mechanics and XXXX XXXX did not approve but said they would when they received an estimate/ they never approved or replied about the warranty or estimates that were sent. They also told me they had sent out a check for the repairs which was a lie and deceitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account XXXX is not reporting to TransUnion and as a result, my credit rating is being adversely affected when compared to the other credit bureaus as my average age of accounts as well as my available credit is not accurate because TransUnion is not considering this account when factoring my credit score. 

I have contacted XXXX who issues the XXXX credit card and they advised they are reporting the account to XXXX, XXXX and TransUnion. See attached letter.
Product: Checking or savings account

The purpose of this claim is to make my bank accountable, or at least co-accountable, for the loss of {$2400.00} from my bank account as a result of the scam of which I was a victim last XXXX due to the events that I explain below. 
Last XX/XX/XXXX, I was the target of a scam when I received a counterfeit check, and was instructed by the sender to send XXXX through XXXX to a third person When I got the check, I deposited it with my phone to my BMO account. The deposit was approved the same day, but it took longer than usual to get posted in my account. 
Normally, previous check deposits I have made with my mobile app are available within minutes, but this was not the case so, I went to my branch the next day to have them explain why it was taking a while to appear in sign that deposit Both the teller at the window and the branch manager, XXXX XXXX, explained to me that they were taking extra time to make sure the check was valid and that it would probably be deposited firmly the next day. 
Indeed, the next day the deposit appeared posted in my account, and I made the deposit mentioned above for {$2400.00} through XXXX in three issues Only after having done that, BMO " discovered '' that the check was fake, recovered its funds and abandoned me to my fate with {$2400.00} scammed which I am waiting to be fully or partially refunded to my account. 
On XX/XX/XXXX, I went to my branch again to request in writing the return or replacement of my XXXX or a response ( in writing ) explaining the reasons why they would refuse to do so. 
XXXX weeks later ( XX/XX/XXXX ) I presented myself again to receive a response from XXXX XXXX, and her response was negative in two aspects : negative regarding the fact that BMO would not return the lost money, and also negative regarding the fact that they would not give me any written response That's why I'm now turning to you to mediate between BMO and I to reach a settlement
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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.

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