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

XXXX The company above has constantly ignored the fact that THIS DEBT AND COLLECTION IS NOT MINE AND I NEVER PURCHASED THIS SYSTEM! my information was also impacted by the XXXX  data branch and may have got into the wrong hands. I demand these items to be deleted immediately or i will file for litigation due to the stress you caused me. 
And I have NEVER lived in the address on they claimed was my own. That address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Which is also an address they added onto my credit report! I have contacted them numerous times and they are yet to remove this information. They only " closed '' the account and it is still showing. PLEASE help me get this information off my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my deep concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting systemic issues with the platform. As a frequent user, I recently experienced a significant financial loss due to unauthorized transactions. Despite promptly reporting these discrepancies, both Zelle and my financial institution failed to provide adequate support or resolution. My claims were dismissed with the explanation that recovering the lost funds or tracing the transactions was not feasible. This response not only added to my frustration but also reflected a lack of accountability. The CFPB 's findings reveal that Zelle has neglected its duty to protect users, allowing repeat offenders to exploit the system unchecked.This experience has left me feeling unprotected as a consumer, raising serious concerns about XXXX commitment to addressing disputes and safeguarding its users.
Product: Payday loan, title loan, personal loan, or advance loan

I received an email and text message from a company called NetPay Advance on XXXX XXXX XXXX XXXX XXXX  stating that my loan application had been approved and funds would deposit the following business day to my checking account which included the last four digits of my bank account number. I also received an email from this company that stated a temporary password and directed me to log in to their website. I had also received another text message from another company advising about a loan application and continued to receive more texts and phone calls however I disregarded under the impression they were scammers. However on XX/XX/2025 I received an alert from my bank stating that {$500.00} had posted to my bank account and when I checked my bank account I indeed had an ACH deposit from NetPay Advance company. I never applied nor submitted loan applications to this company nor have had any business with them before.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor. 

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting. 

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, XXXX, and XXXX. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

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

Experian makes it difficult to place a credit freeze on personal accounts. On their website they try to upsell their paid products. When trying to place a standard freeze ( in my case due to identity theft and fraudulent NYS unemployment and use of my SS # and name ), one is directed to an external page, where after attempting to enter my ID details, an error occurs and I am directed to send a certified letter with a number of copies of documents. This was not the case with XXXX I suggest you investigate Experian, and hopefully others won't be pushed to upgrade to their paid products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 16 hard inquiries when I only had three cedit cards non eof these were approved by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened XXXX2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XXXX and XXXX and they would not listen or try to resolve.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 CREDIT BUREAU 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

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureaus. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. I am asking for your assisstance to remove othese fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$980.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( or ) XXXX XXXX XXXX XXXX , PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX Original Creditor : XXXX XXXX Company/ XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX , MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX File Number : XXXX Pin Number : XXXX Dear XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX , I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, XXXX XXXX XXXX/ XXXX XXXX XXXX, with file number XXXX and an alleged amount owed balance of {$260.00}. I want to inform you that I have never conducted any business with XXXX XXXX XXXX, and receiving this information in the mail is extremely concerning. 

According to the federal Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. It is important to note that this account is only reported on Equifax and not on XXXX or XXXX, which raises a significant discrepancy between the credit bureaus. This inaccurate reporting is adversely impacting my reputation, character, and ability to qualify for new credit. As a consumer, I am entitled to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

The Notice to Furnishers issued by the Federal Trade Commission specifies your responsibilities when you receive notice from a CRA, under section 605B of the FCRA, that the information provided to the CRA may be the result of identity theft. It is your responsibility to cease providing inaccurate information to any CRAs and to ensure that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I have attached documentation below that clearly shows my insurance provider during the period of XX/XX/XXXX. It is perplexing why there would be two car insurance policies associated with my name. Furthermore, I believe that the furnisher of this information, XXXX XXXX XXXX/ XXXX XXXX XXXX , as well as XXXX XXXX the credit bureau XXXX are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

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

My credit score dropped by XXXX points, and TransUnion won't offer an explanation or anything that could have an impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX  Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX Monday, XX/XX/XXXX, someone apparently used my debit card to make at least XXXX purchases at XXXX XXXX. After reporting the fraud, XXXX was blocked from posting to my account, but the second transaction was posted in the amount of {$1100.00}. They did not process the dispute on that amount and they allowed the charge to go through. 

It's important to note that they block completely valid charges for purchases as low as {$20.00} from major retailers and even prevented me from paying my tax bill " for my own protection. '' I'm not someone who shops on XXXX XXXX  and I cant think of the last time I purchased anything from XXXX XXXX, where the fraud occurred. It was atypical spending of multiple thousands of dollars. 

After reporting it, they shut off my debit card to my primary bank -- place where I receive my paycheck even though I told them I was travelling and had no other access to funds. This leaves me currently with no way to pay for anything - not able to eat on my own, take an XXXX, anything. 

I've probably spent collectively XXXX hours with multiple agents, each of whom eventually tells me there is nothing they can do. 

I am still trying to get the charges reversed and a new card issued since I get paid tomorrow, and they still have done neither. Capital One has been very clear in their actions -- they do not care that they've left me without access to funds. They even suggested that I go to the ATM and withdraw all the cash and walk around with a bag of cash to pay for things.
Product: Mortgage

After I made a payment to Loancare, my mortgage company, for the XX/XX/XXXX payment, I decided to set my account up on their automatic payment system, so it would never be late. I am always careful about getting my mortgage paid and thought automatic payments the best way to stay on top of payments. So in XX/XX/XXXX, I set it up on Loancare 's auto payment system. I thought it would begin immediately for the next month payment of XX/XX/XXXX, but I found out otherwise when I got a late notice from Loancare. This was simply a lack of knowledge on my part, that the auto pay would not kick in for over 45 days. When I called, Loancare told me it would not start the auto pay until XX/XX/XXXX. So I immediately paid the XXXX XXXXpayment within the XXXX XXXX day period. This was during the Covid 19 pandemic, when everyone, includng my son, had lost their jobs. The payment was less than 2 weeks late, and yet it has effected my credit score negatively, because they reported it to all 3 credit bureau 's. I humbly request that you remove the negative reporting sent to all 3 credit companies, on this simple delayed payment, under the terms of the Covid 19 Pandemic.
Product: Credit reporting or other personal consumer reports

I contacted XXXX in mid XXXX to cancel my credit card. They confirmed there was {$0.00} balance and cancelled the card easily. 2 months later I get an email from credit karma telling me that an account I have is delinquent. I have an XXXX credit score so Im shocked. I realize its discover. I call them immediately and make the payment. I assume they will fix this issue because I had cancelled the card and figure its some type of error on their end. Total charge was {$26.00}. I called XXXX today to get this delinquent reporting removed from my account and here is what they tell me : XXXX ) when I called there was no balance and they agreed thats what the agent told me. 
XXXX ) supposedly the very next day, they realize oh wait there is a balance and also my account is linked to an old bank account that I had closed since I hadnt used this card in years. 
XXXX ) XXXX NEVER CALLED ME AGAIN to tell me that I had a delinquent account. Zero. Never ever called. The lady on the phone said thats because I enrolled in e-statements. I explained to her that I didnt look at any e-statements because I had closed the account and been told there was no balance. So why would I login and look and an e statement?!

4 ) XXXX never texted me to let me know I was delinquent XXXX ) discover claims they sent me a letter in the mail but I never received this letter. I dont think they actually sent it because my account was closed and they had some error in their side. 
XXXX ) XXXX will not correct the reporting to the credit bureau for a {$26.00} delinquent balance which they never told me about. 
XXXX ) I as the consumer now have my credit score dropped by XXXX points to XXXX because I cancelled a card that I wasnt using and then mysteriously the very next day there was a balance. 
8 ) why wouldnt XXXX call or text me to let me know?

9 ) why wouldnt I get multiple letters telling me I would be reported delinquent?

10 ) there is a very clear break down of diligent communication to customers and it seems borderline negligent. I would suggest investigating XXXX communication practices to consumers after accounts have been cancelled. I suspect I am not the only person where this is an issue. 
XXXX ) I would like XXXX to report my {$26.00} delinquent payment as current due to having cancelled this card with a {$0.00} balance and never being told I was delinquent. Again the only reason I found out is because credit karma emailed me and told me. I never got an email, text, or phone call about a delinquent account. Supposedly XXXX sent a letter but I never got that either. Very possible we threw it away because XXXX mails us like XXXX per month for other nonsense. Very very frustrating that years of hard work on credit can be blown by a XXXX  error like this.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated.

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. 

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!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation. The result of the investigation mailed to me did not contradict my dispute. Please see attachment. This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, this is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. Moreover, the payment history from Equifax is not the same as the one from XXXX and XXXX. Please see the attachments. I am demanding a deletion of the account name : XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX have received several calls from a debt collector hired by XXXX XXXX XXXX. My balance shows {$190.00} on all credit reports, yet a debt collector named XXXX XXXX from a collection agency called Constar Financial Services claims that I owe a balance approximately {$2800.00}. Accordingly, I demand a full accounting of the account, and a cease and desist of all calls from this point forward as mandated under my rights Fair Debt Collection Practices Act. Constar Financial Services , LLC is third party debt collector located in XXXX, Arizona. CFS has been a party to a Federal Court case over 40 times. They have been accused of violating consumers rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX. I have never received one collection letter from Constar, and I want to resolve this matter professionally but in written correspondence only.