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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account loan opened at XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX with a balance of {$790.00}. XXXX XXXX XXXX opened XX/XX/XXXX, XXXX account number XXXX that resulted a late payment on XX/XX/XXXX as do XXXX XXXX XXXX XXXX account number XXXX that resulted in a late payment on XX/XX/XXXX. XXXX XXXX XXXX  account number XXXX resulting late payments due to XXXX XXXX please remove all late payments. XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XXXX XXXX, XXXX, XXXX XXXX inquiry date XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries, late payments and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The cfpbs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Optimum responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX XXXX , acting as an agent for XXXX XXXX XXXX XXXX  XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED
Product: Credit reporting or other personal consumer reports

To whom It May Concern, I am writing to formally dispute my student loan obligation due to a serious breach of my personal financial information. My private data has been compromised without my authorization, which constitutes a clear violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA is designed to protect the confidentiality of student records, and your failure to uphold these protections has placed my personal and financial security at significant risk. 

Given the severity of this breach, I no longer have confidence in your ability to safeguard my sensitive information. As a direct result of this violation, I do not feel comfortable making any further payments toward this debt. The failure to protect my information is not only a legal violation but also a breach of trust that has caused me undue harm and distress. 

Therefore, I am demanding that my student loan debt be canceled and fully discharged immediately. Should you fail to take corrective action, I am prepared to escalate this matter through legal channels, including filing formal complaints with the XXXXXXXX XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and any other relevant regulatory agencies. 

I expect a written response within [ reasonable timeframe, e.g., XXXX  days ] addressing my demand. If you require any further information regarding this matter, you may contact me in writing at the address provided above.
Product: Money transfer, virtual currency, or money service

My bank card has been used by this remittance company Remitly and the amount XXXX XXXX} was taken out of my bank account. I rang them but they just ignore my call as Im not the owner of the account where my money was taken out today XXXX XX/XX/2019 at XXXX XXXX   time. I rang my bank in order to block any further transactions of this company. I have my proof of the banking transaction that they have taken my money out and that the sender has different name on their remittances details.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent accounts on my TransUnion credit report. Even though I have submitted dispute letters and the necessary documentation to the Federal Trade Commission ( FTC ) according to your guidelines, these accounts are still remains on my TransUnion report. 
After uncovering these fraudulent accounts, I contacted the relevant company, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. 

I am puzzled as to why TransUnion continues to report these fraudulent accounts, especially since the other credit bureaus have already removed it. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

I hereby request a comprehensive investigation into these matter and the immediate removal of these fraudulent accounts from my TransUnion credit report. The company has confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 
XXXX XXXXXXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I requested the credit bureaus verify all items on my consumer reports were accurate and they did the investigation and stated everything was accurate. I also did research myself and found inaccuracies on my consumer report even after they said they did a full investigation. In accordance to the FCRA the following accounts all 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 section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX  XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX
Product: Debt collection

XXXX XXXX and XXXX XXXX XXXX XXXX. ID:XXXX, The company is harrsing me with several emails 24 hours a day I am asking LVNV Funding LLC and Resurgent Capital Service to Cease and desist. I have attached a few on the emails for my affidavits support.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with XXXX XXXX I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my credit.
Product: Consumer Loan

OK back in XXXX XXXX i purchased a XXXX XXXX from Credit Acceptance for the amount of XXXX. Well now on XXXX XXXX they are trying to say i owe them still XXXX and here the problem they sent me a payment history sheet and i have added up all my payments and that has came out to be XXXX which that is XXXX more then what i was suppose to. Which i feel the XXXX is coming from the late payments they have added on which they were XXXX of those which that came out to be XXXX. Which they were XXXX of the late payments which they are XXXX a late fee. I have brought this to XXXX attention from Credit Acceptance again and she acted like it wasnt a problem.
Product: Payday loan, title loan, or personal loan

We have multiple personal and business accounts with Citizens ' Bank. One of these accounts is an equity line of credit. It automatically deducts the interest to pay off the account from our checking account monthly. Any principal has to be paid separately which we've been doing on-line via the Citizens Bank website regularly. When I tried to pay the principal from the Transfer tab of their website today, it no longer provides an option to pay off the principal! After calling customer service, I learned that I can now pay using their new system on their website transferring from my checking account, but my intended principal payments will go to interest and be 'held ' until the monthly date the principal is paid off and then any balance paid to my principal. Are they actually allowed to do that? 
My other choices include : write a check, call and make a payment, go to a branch, or go to a completely separate URL and enter personal information. There is no place on this new URL that indicates what they will do with your personal information or its relationship with Citizens. All of these options are ridiculous and the one they suggest- going to this other URL is possibly unsafe.
Product: Checking or savings account

I went to ATM to with drow cash for my small business XXXX transportation XXXX XXXX on XX/XX/year> the mechanic give me Error and cancel the {$1000.00} and take out from my checking account, I spoke to Bank of America at the same time the created claim # XXXX and told that they will credit {$1000.00} into my account on Tuesday but that didn't happened I keep calling them they ignored the issue to resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian for inaccurate information off my credit reports. 

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Chapter XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Chapter XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : {$0.00} I am unaware of the above listed accounts. I have asked them to validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to  appear in a court venue local to me, in order to formally defend yourself.
Product: Credit card or prepaid card

Capitol One XXXX Credit Card which I opened around XXXX. I have a {$450.00} limit which a submitted a {$200.00} deposit to get that amount. It is used similar as a pre-paid card, I put money on it and make purchases with it. As the balance runs low I reload it from my XXXX XXXX Checking Account. I have always used the same checking account to add money to the Credit Card and make multiple deposits throughout the month. 

I never had any issues until about XX/XX/XXXX. I made a {$350.00} deposit into the card to pay for a rental car and fuel for an upcoming trip. After XXXX days the {$350.00} was not placed into my available funds, however I did received an email from Capitol One that they received the deposit. I spoke with a XXXX with Capitol One and was told they placed a 26 day hold on the money and there was nothing they could do. I was never notified of any type of hold and I was told that they sometimes place holds on funds. This had never happened prevousily. 

On XX/XX/XXXX I made a {$200.00} payment into my account and on XX/XX/XXXX I made a {$150.00} payment to my Capitol One Credit Card. After XXXX days I received emails from Capitol One stating they received my deposits, however again It was not credited to my account for me to use. I contacted a XXXX XXXX, and was told that they placed 26 day holds on both amounts and I wouldn't receive the use of my money until XX/XX/XXXX. I was told again they have no control on holds being placed. Once again I was never contacted that they were placing holds on my account. No reason was ever given for these holds, Since I have made multiple deposits every month for years, no payments were ever missed, I have a credit card which if I want to use will have to place additional funds into up to the maximum of {$100.00}, since my limit is {$450.00} and they have {$350.00} on hold. I ask XXXX what if they place a hold on another deposit and she told me I could go to XXXX of their ATMs or XXXX and place a deposit. 

I am stunned as a XXXX Veteran at their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are ( 4 ) separate accounts with Professional Credit Management. 

1. XXXX XXXX, XXXX. 
Acct # XXXX. {$310.00} Date of Service XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX Acct # XXXX. {$410.00} Date of Service : XX/XX/XXXX 3. XXXX XXXX XXXX Acct # XXXX. {$710.00} Date of Service : XX/XX/XXXX 4. XXXX XXXX # XXXX. {$130.00} Date of Service : XX/XX/XXXX On each of these dates of service I was insured through XXXX of Arkansas. 
POLICY #. XXXX Member ID : XXXX By her own admission, XXXX, who works in the billing office at XXXX XXXX XXXX said they are in network with all AR Medicaid providers. I was responsible for no deductible or copays under this policy. 

I never received bills from any of the above-listed entities. They were simply turned over to a collection agency who reports them monthly to National Credit Reporting Agencies. When you are in network with a Medicaid provider, you accept their payment as payment in full for services rendered, yet, theyre still trying to collect these debts from me and reporting these balances to national credit reporting agencies. 

I would like each of the above companies notified of this complaint. You only allowed ( 3 } to be listed.
Product: Credit reporting or other personal consumer reports

Three months ago I purposely closed out all accounts and requested no further dealings with NFCU due too negative comments w/a unknown revolving credit card limit I did not hold and the facts w/ their business practices at disrespecting minorities with having a mortgage. I have called them to express I no longer have an open account with then anymore stop soliciting my name through third parties inquiring about my credit score. I find it personal that I'm still being harassed as they continue conducting soft inquiries through XXXX, XXXX and XXXX. NFCU and their affiliates like XXXX XXXX XXXX  are not authorized nor do they have my consent too continue lurking into my credit history status period.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing to delete the following information in my file. The items that I need deleted are listed in the attached file. I am a victim of identity theft and did not make the charges reported. I asked that the items be deleted in order to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have an enclosed copy of the XXXX XXXX. Please remove the items as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we got ta delete wrong accounts from my credit report. Can you look at the papers? Some accounts listed are wrong about when they happened and how much they cost.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention and update you with the consumer reporting agency, XXXX, who have actually conducted a proper investigation and subsequently removed the inaccurate information in accordance with the FCRA guidelines. After careful review of my other credit reports, I still noticed other consumer reporting agencies continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; Furnishing inaccurate information is illegal! The agencies have violated METRO2 Compliance procedures and format for reporting! The consumer reporting agencies are reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. The continued violation my federally protected consumer rights led me to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the XXXX of XXXX XXXX XXXX XXXX XXXX, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the XXXX of XXXX to validate my claim. I also have proof of public legal notice, that all the liabilities have been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if XXXX, XXXX, and XXXX continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$390.00} XXXX recent checked my credit report after receiving a letter from XXXX stating my information was in a data breach this debt collector, engaged, an abusive deceptive and unfair practice of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign any agreement on a legal contract is signed by two parties and I did not participate in any of it more so they did not follow the proper five step validation procedure, which makes this unfair practice according to the FDCAPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I demand this company to delete this account from all three credit reporting agencies and compensate me for the violations, or I will have no choice, but to move forward with legalization attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

Continue to post the same error on my credit report. They were not authorized to post information on my credit files.
Product: Debt collection

In XXXX I lost my home to foreclosure. There was a 1st and 2nd mortgage, both held by XXXX ( aka XXXX ). Both mortgages were recorded. 6 months after the foreclosure, I was contacted by XXXX as to how I was going to payoff the 2nd mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX for both the 1st and 2nd and filed them with my XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XXXX Green Tree contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as Ditech Financial, LLC reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from Ditech a XXXX Mortgage Discharge for this 2nd mortgage that was discharged in XXXX. I 've heard and read multiple places of this criminal activities by Green Tree which has been closed down by the Feds, and now is Ditech Financial doing exactly the same criminal things.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are refusing to remove fraud alerts on my credit report.