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

ON XX/XX/2020, I SENT A LETTER TO EQUIFAX AND XXXX DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT ANS HAS NOT GOTTEN ANY RESPONSE DEALING WITH THE NEGATIVE ITEMS.I ALSO ATTACHED A COPY BELOW ASKING FOR YOUR ASSISTANCE IN THIS MATTER.
Product: Credit reporting or other personal consumer reports

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX FIN Date Opened XX/XX/XXXX Balance {$2700.00} **Inquiries** XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXXBalance : {$2200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$490.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX  XXXX Balance : {$490.00} ( Original Creditor : XXXX ) XXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

My report is reflecting several negative accounts, including debt accounts as well as charged-off accounts. These accounts reflect, through an IRS tax transcript, being discharged with a 1099-C and are considered a certificate of indebtedness, which is considered income. Income can not be reported on my credit file, per the FCRA. The accounts in question are as follows :. ( 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
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I received a payoff quote good for that day ( XX/XX/XXXX ) only. I made that amount of payment on their website that day. They did not post the payment. I submitted a request for the payment to be posted and no one ever e mailed me back. I then called on Monday XX/XX/XXXX and was told that the same day payoff amount was not valid. They are currently holding the XX/XX/XXXX payment of XXXX and the rep refused to apply it to my balance. I want it applied and dated for XX/XX/XXXX. 

She then said she would order a formal payoff and I could pay off the loan by certified funds once I received the payoff. Which I have not received yet. She then said they would not apply my payment for the date they received the money.
Product: Checking or savings account

XXXX XXXX - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
XXXX credit card - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
USBANK - Business account illegally opened without my presence, had a party unrelated to the company on the account who was in fact the one who had opened the account. A total of XXXX in fraudulent charges to this account. Only recently discovered this when an investor was looking into purchasing my business and began questioning all of the non business related expenses. Have reported to local law enforcement, company fraud division, FTC. 
XXXX XXXX XXXX  - unauthorized signer wrote XXXX check to a friend. Have reported to the bank, local law enforcement and federal reserve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. I have no recollection of authorizing these credit pulls, and I demand that they be removed from my report immediately. The unauthorized inquiries are as follows : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing this credit pull, and I demand this inquiry to be removed. 

I kindly request that you promptly investigate these unauthorized inquiries and take the necessary actions to remove them from my credit report. The unauthorized inquiries are affecting my credit score and overall financial well-being. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and error-free credit report. I expect these inquiries to be removed in a timely manner to ensure the integrity of my credit history. 

Thank you for your attention to this matter. Please provide a written response within 30 days to confirm the actions taken to address these unauthorized inquiries. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/23 I set up one payment for each of XXXX of my credit cards. There wasn't enough in the bank account the money was coming from because I selected the wrong acct. But the credit card company attempted to take the money XXXX times for each card. Resulting in XXXX chargeback fees for only XXXX payment scheduled ( XXXX because XXXX separatecarda they did this to ). I called the company and they didn't accept that they did that attempted to take money XXXX times. I can clearly see it on the bank statement.. and refuses to pay for the fees that their program/company messed up on. I have emails from the company saying my " scheduled payment did not go through and must be rescheduled " so there should not have been XXXX more attempts to take money from the acct. For each card.
Product: Other financial service

We went through a HARP program that insisted as part of the process we sign up with a finical counseling agency to help consolidate and lower interest rates on credit cards. We did so and paid a monthly fee and they did not pay the money to the credit card accounts as promised. They deducted the money on time but did not pay the creditors on time and we were forced to pay it ourselves and our credit went from XXXX to XXXX in a matter of months. They repeated told us that it was the creditors fault that they were the ones that changed the process. We have paid all but one on our own but this should not have occurred. The company has never attempted to make good or even contact us again. This was a forced issue by the bank. CCCS was their name, based out of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Equifax Credit Bureau on XX/XX/2022, to correct this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request and I'm including it again to correct the account in my file. 
XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX # ( XXXX ) XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I have been had my Kohls credit card for a while, and I have always appreciated the good value and service I received from Kohls. However, I checked my credit report on XX/XX/XXXX and noticed a late payment on my credit report. I was devastated to see the late payment because I signed up for automative payments to come out of my account each month. I immediately made a payment, then called and spoke with a Kohls representative on XX/XX/XXXX. I explained the situation to the rep, the representative assured me that the error would be taking care of as soon as possible. The rep noticed that my banking account was in fact added to my Kohls account. He also stated that sometimes the system glitches online and Kohls has had issues in the past with this same issue. He told me how to try and set up the automative again after the payment post. The representative told me he would note my account and expedite the information since it was in fact a Kohls error. I was told the information would be sent to the credit department so the information can be sent to the 3 credit bureaus immediately. I also explained how this is affecting my credit and that I am unable to get a mortgage now that the late payment is on my report. The representative explained to me that I should receive a call, letter or email with an update about my account with a few days. I never received any confirmation or an update so I called Kohls again on XX/XX/XXXX, I spoke to another representative, which stated the department was unable to remove the late payment. I am very upset that this is happening because I am trying to move and buy a home. This was an error on Kohls end. 
I have a perfect record of paying on time. This is really an inconvenience, and a violation of my consumer rights.
Product: Money transfer, virtual currency, or money service

paypal closed my account for no reson and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just i cloud the a report in here as i feel they are not doing their job properly and if is effecting me a great deal as i used paypal quite temoprely my email to my paypal is XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 of 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 that tracking these transactions was unfeasible. The CFPBs findings indicate that 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: Mortgage

This is a dispute to complaint XXXX, something is wrong with the page. I was contacted to be informed that they needed more time to complete their work and it would be another week. I then told them to continue to respond to me in writing. This is the reason it want them to respond to me in writing, so it wo n't be any miscommunication. Ask them to play the recording. Assessed value, nothing. from XXXX till now I have only received one tax bill and that is for XXXX. It is classified as a business. Escrow questions, prepaid amounts for HUD insurance, prepaid amounts for PMI insurance, no explanation,. They are still researching the title issues, the second mortgage to the city of XXXX, and the initial appraisal value. The mortgage co have had this loan since XXXX, I filed this complaint in XXXX XXXX, its very apparent that they are not going to answer my questions. Still waiting on answers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific fraudulent accounts and inquiries from my credit report. As a victim of identity theft arising from a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these unauthorized items removed from my credit file. 
Accounts to Block and Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have been trying since XXXX to get information on how the credit bureaus verified my bankruptcy, more recently since around XX/XX/XXXX. Every XXXX days a new letter has been created to have this item removed. This item has been challenged XX/XX/XXXX and XX/XX/XXXX with the same response as accurate. 

Per a letter received from the XXXX Bankruptcy XXXX they do not report individual bankruptcy to the credit reporting agencies, nor do they update information directly to the credit bureaus. This has caused a hardship for me and my children as a single mother. 

According to the Fair Credit Reporting Act, Sections 611 ( e ), 623 ( a ) ( 3 ), 623 ( a ) ( 5 ), 609 ( a ) ( 1 ) ( A ), and 609 ( c ) ( 2 ) ( E ) they are required by law to verify through physical verification of an original signed consumer contract for each and every item which means all accounts they record on a credit report. All items that were under my bankruptcy have expired and no longer are apart of my file. 

The credit bureaus failure to positively verify payment history, to be 100 % accurate and complete reported in a timely matter has affected me to obtain credit. Also, it violates my privacy as they reported this without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of asset fraud. I filed a police report. I am XXXX years old and I live on minimal social security. My entire savings of XXXX was wiped out. When I went to visit my daughter in XX/XX/2019 she said we should check my credit. Since I do not know how this works my daughter helped me. We found several account Ive never seen before and so she helped me with the dispute process. XXXX and XXXX  were very accommodating and removed accounts listed on the police report. Experian continues to give me problems. First they responded saying my police report they insisted I obtain was fraudulent. Next they sent me a letter saying they would not remove the items because they dont accept 3rd party disputes alleging that my daughter completed it. My daughter resides in GA she uploaded the documents to their site that is all. I dont know how to upload. The police report was filed by me in California in my city XXXX. My daughter resides in XXXX GA. Experian is accusing me of things that are not true and I want these fraudulent items removed effective immediately
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing properly investigate my disputes regarding inaccuracies in my credit report Dispute my submissions, Equifax consistently reports within 24 hours stating the account is accrete, without providing any evidence of a thorough investigation. this practice violates the fair credit reporting Act ( FCRA ), 15 U.S. Code 1681i which mandates a reasonable investigation of disputes, furthermore, Equifax 's actions may also contravene the consumer Financial protraction Act ( VDPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. 

These are the accounts that have been reported as inaccurate - XXXX  XXXX XXXX- XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam I am writing to file a formal complaint against the XXXX major credit reporting agencies ( CRAs ). For their failure to address and correct fraudulent activities on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). I discovered unauthorized accounts on my credit reports from all three reporting agencies. Specifically the fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Upon realizing this, I contacted the XXXX and provided them with necessary documentation to prove that these accounts were a result of identity theft, including a police report and FTC Identity Theft Affidavit. XXXX. Failure to XXXX XXXX XXXX ( 15 U.S.C. s 1681c-2 ) Under the FCRA, XXXX XXXX XXXX XXXX XXXX, credit reporting agencies are required to block the reporting of information that resulted from identity theft within XXXX business days of receipt of appropriate documentation, the CRAs have failed to block the fraudulent information on my credit reports. XXXX. Failure to Conduct a Reasonable Reinvestigation ( XXXX XXXX XXXX XXXX ( a ) : The FCRA mandates that CRAs conduct a reasonable investigation of disputed information. I have repeatedly disputed the fraudulent accounts with the CRAs, yet they continue to verify the fraudulent information without proper investigation, in violation of XXXX XXXX XXXX XXXX ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to obtain my free credit report from all three bureaus but have been unsuccessful. I have been made aware of fraudulent usage of my social security number and the results following the theft of my social security number. I am unable to dispute these errors because I can not obtain my credit report. I have submitted copies of my birth certificate, my state ID, my utility bills, my social and card, my passport, my monthly cable bills and my insurance card. However, I am still unable to obtain any of my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, Sallie Mae, ie, natvient, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with navients lawyers and my lawyer. Navient decided to discharge the debts owed to them. Navient is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. Navient, sallie mae, and XXXX needs to stop reaffirming a debt they agreed to discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX