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

I am writing to formally request the removal of all negative items on my credit report due to the data breach that has affected my personal information. In accordance with the Fair Credit Reporting Act, 15 U.S.C. & 1681, I am seeking immediate assistance to correct the inaccuracies on my credit report that have been impacted by this incident.

As a result of the breach, my personal data may have been compromised, and I believe the negative items currently on my credit report may be the result of fraudulent activity or errors directly tied to this breach. These items are not reflective of my true creditworthiness and have been caused by circumstances outside of my control.

I kindly request that you investigate the matter and work with the relevant credit reporting agencies to ensure the immediate removal of any inaccurate or negative information from my credit history. The breach has caused significant distress, and it is crucial that my credit report accurately represents my financial history, free from adverse effects of unauthorized or fraudulent activity linked to the breach. 

To assist you in your investigation, I have attached copies of relevant documentation regarding a breach. 

Please confirm the steps you are taking to address this issue, and kindly provide me with a response within the timeframe stipulated by law. 

Thank you for your attention to this important matter.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX-XX/XX/XXXX- my Wells Fargo business account was drained with 63 individual charges at XXXX  

transaction. There was nothing left, but an overdraft. I attempted to fix the issue- using the phone number referenced on the account. I was told I would be getting a refund due to a system glitch, and they wanted to see the charges from my bank statements. I allowed access to my account, assuming I was speaking with 'billing department '. I had deposited {$650.00} dollars the day before, and {$620.00} dollars was taken out during phone call, with an approved wire transfer from Wells Fargo.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have reviewed my consumer report and i have noticed that equifax has reported inaccurate information and reportings for millions of consumers on their reports, I am also a consumer that has been affected. This is a MAJOR violation and theres many marks and inaccurate reportings on my consumer file and reports. 

As a federally protected consumer and I am promised accuracy in my consumer report. I am making another attempt to have my consumer file promptly corrected of all the negative errors. Errors of late payments, collections, inaccurate closed accounts, that I never wanted closed and I never gave them permissible purpose to report these accounts as closed without proper validation and verification. 
They have reported missed payments, late payments, collection accounts and charge offs, which is a MAJOR violation. I demand that these errors be corrected on all my consumer files under 15 usc 1681. This is a HUGE violation and they have been exposed. All unverified information must be updated to report as accurate as PAID IN FULL OR AS AGREED. As they can see in their system they can not validate or verify the information so it must be promptly updated as they can not verify the information so they need to be removed as this is a violation which is causing me severe harm. CFPB as you are the ones that work for us, I am in need of these inaccurate reportings be updated and corrected as I have never been late, I have never requested any accounts to be deleted and all charge offs are proof that they have reported and are trying to damage me and my score and report to reflect these inaccurate reportings. I am a federally protected consumer and under 15 usc 1681. They owe me big money
Product: Credit reporting or other personal consumer reports

I've been trying to fix this problem for almost 1 year now. Marcus by Goldman Sachs bought the GM credit card that was owned by XXXX XXXX. During this transition they mistakenly closed the account. They have since re opened the account but my 30 year credit history has gone away due to their mistake. Now this account is showing as a new account and it's lowering my credit score significantly because my length of history is showing an average age of 11 months vs over 30 years before. My score was over XXXX and now it's in the XXXX range. That's a huge drop. This account was my oldest account and was never a problem till Marcus bought it. I've made prior complaints on this and thanks to the CFPB they did get it fixed but only on one credit report which was XXXX. When I made another complaint asking them update on the other two credit bureaus ( XXXX and XXXX ) they took a step backwards and now all three reports are wrong again. They said on the last complaint there was a XXXX on this account. That makes no sense. There has never been a XXXX on this account. If there were, the account would have been closed long ago by the original lender which was XXXX XXXX. This account was in perfect standing when they acquired it. Someone at Marcus is making a very large mistake and for some reason they don't seem to understand my problem and how I want this fixed despite countless phone calls to them. I have documents to attach to this complaint to prove all this. One letter from Marcus admitting their mistake and how they would fix it ( which they haven't ) and copies from my credit report showing how the account was in perfect standing the last month XXXX XXXX owned it and the first month Marcus owned it. Again, no XXXX has been on this account.
Product: Debt collection

I have contacted Loan me with no response. I made a payment on XX/XX/XXXX XXXXnd they are attempting to charge me {$600.00} in interest for 10 days ( last payment was 10 days ago ). This is over 1200 % interest. The loan is supposed to be 84 % interest which would have incurred a {$40.00} interest charge for 10 days. 

I have noticed that ALL payments are showing inconsistent interest charges. I have paid a total of {$2000.00} on this loan and due to the shady and inconsistent interest trying to be charged, I want this loan closed and showed paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I place a dispute with XXXX and XXXX XXXX because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account that I have no connection to. As a victim of identity theft, my information was used fraudulently, resulting in this false entry. Following the guidance of Equifax, I promptly filed a report with the Federal Trade Commission and submitted it for resolution. However, despite my efforts, this fraudulent item continues to remain on my report.
Product: Student loan

I have asked an untold number of times over the past 15 or so years, for information about my balance, about payments received, about which payments count toward forgiveness. I have never been given that information. My loan has been moved or sold to other entities multiple times. Most recently, they were moved to NelNet, whom I asked for this information. They referred me back to the U.S. Dept. of Ed. I logged in to my FSA account and can find no record of this information. I have contacted the Dept. of Ed. Ombudsperson for help, and have not received a response. I did consolidate ( I believe ) and am in the SAVE ( or REPAYE? I can't keep it straight! ) plan. I should be eligible for at least partial forgiveness ( undergrad loans and some grad ), and I would like to know how many more years of payments I must make in order to attain forgiveness. I have been paying my loans for years, and the balances are still approximately what I borrowed. This information is readily available to consumers with credit card loans, mortgages and medical debt. Why can't student loans provide the same service?
Product: Credit card

My XXXX account was stolen and was placed an order in XXXX store for a Pixel XXXX XXXX on XX/XX/year>, and was paid for with my associated Discover credit card. The total transaction was {$500.00} including tax. Because my XXXX account was stolen, which includes XXXX, so I guess the order confirmation and receipt email was immediately deleted so I got XXXX notice of the transaction. I only found out about the transaction when viewing my Discover credit card statement later when trying to pay the credit card. I immediately disputed the charge with XXXX twice, but XXXX refused to refund me twice. Then I disputed the charge through Discover credit card, and once again, Discover refused to refund me. 
Throught the process, my account was somehow stolen and the purchase was done completely without my permission or knowledge. I have never shared my XXXX account or Discover credit card with any other person. My account was stolen because of the poor security measures by XXXX, so XXXX should refund me the money that I did not spend. Also, I believe Discover should honor their promise to refund any unauthorized charges.
Product: Money transfer, virtual currency, or money service

My Coinbase account has been in review since XXXX XX/XX/2021. The company has not provided with any information nor have they responded to my correspondence other than providing with a support case number. 

They have also blocked me from ending emails to support and have demanded I stop requesting support. 

My account has a balance of less than XXXX  USD.
Product: Credit card

On XX/XX/year>2025 I was booking a flight through the XXXX XXXX XXXX XXXX and received an offer to open a new Citi AAdvantage Platinum Select World XXXX Mastercard with the following terms ( Screenshots provided ) : Up o {$400.00} Statement credit + XXXX Bonus miles and {$0.00} intro annual fee for the first year. The {$400.00} statement credit being contingent on purchasing an XXXX flight within 6 months of opening the account. 

I applied for this card through the promotional link in the XXXX Application which took me to Citi Bank 's credit card application site. Upon approval for the card, they provided the temporary card info to be able to finish booking my flight. I booked the flight for {$580.00} and it even showed a preview of the total, less the pending {$400.00} statement credit for a total flight cost of {$180.00}. 

Upon receiving my first statement from Citi they only applied a {$200.00} statement credit. 

XX/XX/year>2025 I attempted to call Citi Bank from the number on the back of my card and no one was able to assist with the issue, eventually leaving me on hold until it disconnected. After this, I reached out to their chat support speaking with a rep named XXXX, then their supervisor XXXX who directed me to email the info and screenshots to them. 

Since that point I have called and emailed the " Executive Response Unit '' at City several times with the only response so far being that they will only apply {$200.00} statement credit and they can not change any offers at this point. 

I have provided screenshots from XXXX XXXX website as well as their app showing the promotion when I applied and even that it was still active since then and being offered again. From there I also provided a direct link to their own site offering this {$400.00} statement credit I signed up for. Between numerous screenshots and links to their own site they still refuse to honor the promotion offered in order to get me to apply for this card. 

I only applied for this credit card based upon the terms/promotion offered and would not have done so otherwise. Offering terms to get me to apply for the card then swapping out the promotion without informing me or any kind of disclosure is a pretty clear bait and switch. This is a predatory act to lure people in to applying for the card with a documented promotion then not honor it and refuse any assistance. 

At this point Citi has stopped responding to my contacts so I'm researching what other escalations I will need to pursue and if I need to seek additional counsel from a 3rd party to remedy this issue. 

I am attaching the screenshots provided to Citi below. Additionally here is a link right to their application page where it still offers the same {$400.00} statement credit I'm being scammed out of currently. 

https : //online.citi.com/US/ag/cards/application? app=UNSOL & ID=3091 & XXXX XXXX XXXX The screenshot saved as " Citi Application Screenshot '' is for the above link XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the PURCHASE AGREEMENT to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. 

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

My personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. If you dont remove them I would like {$1000.00} per violation in accordance with the FCRA Inquiries XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Address XXXX XXXX XXXXXXXX, AZ XXXX
Product: Credit reporting

I am REQUESTING that Trans Union address the information that they are recording on my credit. 
public record XXXX provide information showing this account date file and stautes is correct information. Delete information XXXX / provide validate of this account with last date of payment and when this account went into collection on my credit report it states no payment history so who can it be a valid open collection / delete information XXXX Collection account XXXX no payment history to complete that fact of it being a collection account when did this account go into collection Trans union is not reporting a full accurate account detail / DELETE VIOLATION OF THE FCRA XXXX reporting unverified information verify when this XXXXaccount was open and placed for collection. Trans Union DElete information Violating THE FCRA XXXX DELETE ACCOUNT NUMBERS XXXX XXXX OUTDATED ACCOUNT OPEN 1987 DELETE REMOVE ADDRESS LISTED XXXX GA XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX LVNV FUNDING LLC Balance {$1900.00} Acct # Account number XXXX This letter is regarding the Acct listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim in disputed. 
I am requesting validation, made pursuant to the Fair debt collection Practice Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection practice Act FDCPA 807 [ 15 USC 1962e ] therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reportings. 
Failure to respond in 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt collections Practices Act You will be required to appear in court venue local to me since you are clearly doing business in my area. 
For the purpose of the 15 USC 1692 et seq. this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Side note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This isa request for informationonly, and is not a statement, election or waiver of status.
Product: Mortgage

Something is definitely wrong here and I need help. 
I am being overcharged in the transaction. I am being taken for a ride by this institution. 
{$2100.00} being termed as corporate advances. This institution does not pay for neither my property taxes nor my home insurance. What do they call corporate advances? 
{$19000.00} being charged as interest. Chase claimed that the balance due was at that time {$82000.00}. The interest rate comes up to 23.60 %. When the {$2100.00} is added to the {$19000.00}, the interest becomes 26.19 %. 
At 23.6 %, monthly interest charges amount to {$970.00}. 
At 26.19 %, monthly interest charges amount to {$1000.00}. 
The loan was in default for a period of 20 months. 
I have done my own personal research which proves to me that the balance of the loan at the time of default was {$74000.00}. Under these conditions, the interest rate will become 26.21 % and 29.09 %. 
Off course, I am a member of the minority. I can be abused. Its okay to discriminate against me. But. It is not legal. Abuse and discrimination have never been the name of the game. 
Since 2013, Chase has been ignoring my request for an answer. Clueless over the institution 's behavior, I stopped paying the loan with the hope that I will be able to meet someone to discuss the matter. Instead, the loan went back into foreclosure. On the first Court appearance, their lawyer stated that the case can be settled for {$2000.00}. I told him that I'm ready to pay the requested amount provided that I get the information that I'm looking for. He spent a whole year coming to Court every month without an answer. On the last Court date, he told me that he will see me in one month.

I become suspicious because there was no assigned Court date. Before the month was over, I went back to the Court. I spoke to the clerk who told that I have to take quick action if I want to save my house. That was then that I realized that the bank 's lawyer had lied to me. I went home. I called the bank. We started some negotiations. At the end, to add insult to injury, the bank charged over {$15000.00} on top of what they were already charging me. Remember that their lawyer makes me an offer of {$2000.00} that I conditionally accepted. 
The interest amount had always been the main problem. I wanted to know how they arrived at this number, {$19000.00}. It has always remained a secret. This is the secret that Chase has been unable to disclose. 
Best regards, XXXX.
Product: Credit reporting, credit repair services, 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. 

Account name / ADDRESS | DATE / ACC. NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has 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 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.