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

I am writing to formally request the immediate removal of certain accounts from my credit report, as they are the result of fraudulent activity stemming from a data breach. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent information removed from my credit report if it has resulted from identity theft, including cases of data breaches. 

As a victim of a data breach, my personal information was compromised and subsequently used to open accounts without my authorization. These fraudulent accounts have appeared on my credit report, and I am requesting their immediate deletion as they do not reflect legitimate financial activity under my name. 

In accordance with Section 605B, I have reported the breach and submitted the necessary documentation to confirm that these accounts were fraudulently opened due to the breach. I am requesting that these negative items be removed immediately as they are not a result of my actions or credit behavior. 

The law mandates that fraudulent items linked to identity theft or data breaches be removed from a consumers credit report promptly. I request that the accounts be deleted within the 4-day response window, as required by law, and that the credit bureaus investigate and resolve this matter swiftly.

Thank you for your prompt attention to this matter. Please confirm the removal of these fraudulent accounts from my credit report. 


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

There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( Equifax, XXXX and XXXX ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XXXX/XXXX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue. 

2. In XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special XXXX XXXX Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!
Product: Checking or savings account

I recently deposited cash funds of XXXX ( received only an amount of {$680.00} ), citizens bank runs a very slow process on dispersing funds I have been waiting for XXXX business days no updates no nothing. Negligence to the fullest extent. The funds are need and this is wrong! The machine was glitchy and was stuck on a loading screen for approximately XXXX min. And spat out a XXXX $ bill. I notified clerks also.
Product: Credit card

Capital one approved a credit card with a limit of {$5500.00}. I had already used {$1300.00} and made my first payment when I discovered a fraudulent charge was made on the credit card for {$210.00}. Naturally I contacted the fraud department and disputed the charge. Capital one open a fraud case and then they refunded the {$210.00} back to my account. Then a week later my account was restricted and I was emailed to contact the fraud department. I called the fraud department and was told that I needed to verify my identity by submitting s copy of my social security, 3 months Bank statements, 3 months employment paystubs and both sides of my drivers license. I asked what was all this about but representatives did not have an answer. So I submitted what I felt like they needed and waited. I called them again and asked why the credit card was still restricted? The representative stated that the documents were not approved, only the # SS card was approved and that I needed to resubmit everything again. Shortly after that conversation I received and email letter stating that I was no longer approved for the credit card. This is a problem because now my credit score dropped due to the reversal of the {$5500.00} credit limit and the outstanding balance of {$1300.00}. I feel like this is retaliation or discrimination but either way Im filing this complaint and hopefully an attorney wont have to get involved. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account shows on Equifax 90 % utilization. XXXX  XXXX account paid down to 10 % utilization on XX/XX/2020, and the billing cycle closed on the XXXX.
Product: Checking or savings account

I was in XXXX  when someone gained access to my account. I am a XXXX XXXX veteran XXXX and my direct deposit was going to PLS checking cashing via xpectations card. I was in XXXX  for 8 months and each month my money was withdrew. When i got out and discovered this i complained and made a dispute. Xpectations dispute team said the see no error.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit that DOES NOT belong to me.I have never had XXXX XXXX. This is NOT my acount. It does not belong me. I also have some inquiries on my credit for things I've never inquired about. Please remove these items from my credit. Also I need a new copy of my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account on my EQUIFAX report does not belong to me. I have contacted them. XXXX XXXX had an address that was not mine ( XXXX, Il XXXX - I never lived there ). XXXX XXXX had a phone number that is not mine. I have sent numerous letters with this info. It is still on my report. It is not on any other report. 

XXXX XXXX. Ac # XXXX. Date opened XX/XX/XXXX {$680.00}
Product: Debt collection

I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$730.00} {$730.00} Payment Info Original balance {$730.00} Balance {$730.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/2021 Additional info Comments Affected by natural or declared disaster Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payments for the XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2019. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

In the letter that was sent to me, there was no information on how to dispute the debt or how to ask for debt verification. They also stated " You have TEN ( 10 ) DAYS to make satisfactory payment arrangements or a Civil Suit MAY be filed against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question in the " COMENITYBANK/GANDRMT '' on my XXXX Credit Report. I have disputed this account twice, once in XX/XX/XXXX and once in XX/XX/XXXX. The account was sold to a collection agency on an unknown date and the original account in question is shown as " closed, {$880.00} written off ''. This account is currently showing the last payment made to be on " XX/XX/XXXX '', which is almost XXXX XXXX XXXX XXXX XXXX ago. This should put the account as delinquent in XXXXXXXX XXXX XXXX ( still passed the XXXX limit ). I have contacted the original creditor and they do not have any account information including payment history or when the account was sold to the collection company. My understanding is that a charge-off account stays on your credit for 7 years past the date the account goes into delinquency. This was confirmed to me on the XXXX website in an article they published about " charge-off accounts '' which I've attached below in the documents. I believe they are treating this account like the collection account It would have been at the collection company which would have stayed on my report for 180 days after delinquency plus the 7 years had it not already been removed by the collection company. This account has already been deleted from 2 of the 3 credit report agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Product: Debt collection

Collection agency Meridian Financial Services is charging me a collection fee that is absorbent and unfair. Meridian Financial Services refuses to validate their collection fee practices. They are unwilling to show me documentation on their fee assessments and state I have no right to that information per representative
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Capital One. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting or other personal consumer reports

The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX  while severely impacting my financial stability and everyday wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX Account # XXXX Santander consumer has violated my rights 15 U.S.C 1681 Section 602 A, States that I have a right to privacy 15 U.S.C 1681 Section 604 A, Section 2. States A consumer reporting agency can not furnish A Account without my written instructions
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX illegally ran my credit report without my authorization on Experian XX/XX/2020. Delete this at once. FCRA
Product: Money transfer, virtual currency, or money service

We had our Wells Fargo ( WF ) checking and savings accounts hacked by scammers. We first reported the transactions to WF and they investigated the issues and returned our monies. At no time did they change our accounts or have us update the passwords. In 6 weeks time this issue happened again wiping us out again. I reported it again to WF and this time upon their direction all accounts were reissued and new usernames and passwords were completed. However, in receiving no direction as to the current investigation conducted by WF did they return the money. According to them I completed this, which I never did commit this heinous act. The scammers had full access to our accounts. No matter what I did the money was taken out of our account. WF has yet to provide any information about who or where the money has gone. I can not get anywhere with WF and they refuse to return our hard earned money. The amount that was stolen from us is {$22000.00} USD. There is sever security issues with WF and they can not provide consumers with safe and secure protections of hard earned money. This has been an ongoing issue for over 2 years now. The courts have recognized the errors committed by WF and have since ordered WF to make restitution to consumers. All if the transactions were made via XXXX and wire transfers. As soon as we observed the transactions via online banking I would immediately phone WF fraud dept. These calls were to no avail, as they always fail the consumer and side with the scammer. I was never given any information as to who or where the money went to, I would be told that is proprietary information, and they can't release it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already tried to resolve this issue with the companies. I am trying to get this matter resolved.
Product: Credit reporting or other personal consumer reports

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

syncb/walmart was not allowed to use or report that i used them.
Product: Checking or savings account

I used a Discover check of {$22000.00} to pay for the deposit for a cabin at XXXX XXXXXXXX XXXX XXXX XXXX for my use as housing. When I received the keys, I found out that the freezer/fridge was nonfunctional and was full of rotting meat that had been festering for weeks or months. The cabin requires a new fridge/freezer and professional odor cleaning. This was on XX/XX/XXXX. I signed the paperwork on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX informing them the cabin I had was not what was advertised and what I had paid for and asked to void the contract. They refused saying I had three days to void the contract, which had expired XX/XX/XXXX, before I even had access to the cabin. 

I spoke with Discover to dispute the charge for fraudulent activity and they informed me nothing could be done. I need my money back to find alternative housing and don't know what to do.
Product: Checking or savings account

Hello! This company, close my accounts ; all my credit card, them they report it on my credit, stating I didnot maintain it, nextduring XXXX and XXXX etc. I gave up never heard back from customer service at all ..I did get any funds back, some accounts seem to was made up in my name afterwards.. even though the amounts was small, I hated my credit was damaged Im still trying fix it, I guess it just one those things that want go away..
Product: Credit card or prepaid card

Wayfair citi is still charging me for fraud {$70.00} that is not mine ... the fraud happened before I even received the card ... I've called multiple times about this and it took me 7 times to get through to customer service who could not verify my identity... I was on hold forever and customer service was rude and dismissive.. 

These are not my charges This went to collections which affects my account
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I made an agreement with a breeder over XXXX to purchase a kitten I sent the " breeder '' {$600.00} through Zelle  and XXXX. They demanded {$420.00} more on order to " ship '' the kitten from XXXX, Oregon. I asked to see flight information and photos of the kitten at the delivery company, they sent me photos of an XXXX police station at night. After going back and forth for hours, the lady asked if I would speak to her husband. I did yes, please. I informed the husband I would actually prefer to pick the kitten up in person, I live in WA state, a drivable distance. The husband agreed this was a decent option and said he would call me the following day. The next day I waited until XXXX XXXX, and began to call ... No answer, I was blocked from calling and social media.
Product: Checking or savings account

I recently opened an account with Santander bank. I deposited a check in the amount of {$29000.00} into my account on XX/XX/2019. I called on XX/XX/2019 to check the status of my check deposit and I was informed by customer service that my account if frozen because of a large deposit. So I was transferred to the fraud department and the rude lady told me my check can not be verified and I should provide a phone number for the issuer. Meanwhile the check had been debited from the issuers bank for that amount. So I did provide the number for the issuer of the check and I was still told that it will take about 5-7 days to call the issuer to verify the check and if they cant verify with the issuer, the funds will be held for over a year and then be returned back to the issuer bank. Later the next day my online access was locked and I was told there is nothing they can do because the other paying bank which is XXXX  XXXX  told them they are going to delay the release of the funds from their end. Meanwhile XXXX  XXXX  asked the issuer to go into the banking center to verify the check with a personal banker which she did on XX/XX/2019 and still my funds and account is frozen. I am been treated like a criminal just because I deposited a large amount into my account. The check was issued legally and there is no reason for me to be targeted and treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union, XXXX, & XXXX have not removed unverified derogatory items from my report. In so doing, they have violated Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
Product: Checking or savings account

On XXXX I opened a Citi high rate savings account with tiered bonus offer in response to an online offer I received. I deposited {$51000.00} and received a confirmation email from Citi thanking me for enrolling and outlining the terms of the bonus offer. If over XXXX was deposited and held for XXXX  days, I would receive a {$450.00} bonus. The funds have remained on deposit since opening. I have inquired at least 4 times about the bonus offer, filed a dispute, an appeal, to no avail.
Product: Credit reporting or other personal consumer reports

Credit reports say a was late on payment. I am never late on any payments