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

I hope this email finds you well. I am writing to follow up on my previous communication regarding the removal of fraudulent items from my credit report. This marks the 2nd formal attempt to address this critical matter.

Despite my initial request and subsequent efforts, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity.

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Purchased a washer and dryer set from XXXX on XX/XX/2023, utilized their XXXX financing for XXXX interest for a year. Washer was delivered broken, returned for a replacement. Replacement was attempted to deliver broken, refused delivery. Contacted customer service asking for refund of washer ( kept functioning dryer ). Was told they'd refund the set price and just charge for the dryer. Have been dealing with both customer service and the financing group since XX/XX/XXXX to get the washer that we never received refunded, while continuing to pay for the full package price on the XXXX XXXX. Was informed on XXXX that they would be refunding all charges and just charging for the washer, still have the full purchase amount for both washer and dryer on our account ( have virtually paid off the entire price of the washer at this point ).
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

USBank has an issue with their automatic payment system. Twice now we have had to change the payment details within 2-3 days of a due date. When doing this it FORCES you to not only pay the current amount due but also the next month 's payment ( roughly {$1500.00} ) even though it is not due for another 25+ days. Now, after the last time this happened and we were FORCED to make a double payment, the due date for our next payment was set to XX/XX/XXXX. Now today XX/XX/XXXX even though a payment is not due until XX/XX/XXXX it automatically took another {$1500.00} from us and set the enxt due date as XX/XX/XXXX almost sixty days in the future. This is unauthorized and is theft. The bank refuses to address this and we are not wealthy people with the ability to gift the bank {$1500.00} because they can not architect their online payment systems properly. We want the XXXX payment taken in XXXX without authorization refunded immediately.
Product: Debt collection

Repeated calls throughout the day. I explained to the company I was affected by XXXX they continued to harass me each day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted..transunion..DPT ED/XXXX {$3600.00}, DPT EDXXXX {$7200.00}, DPT EDXXXX {$6200.00} , DPT EDXXXX {$3800.00}, DPT EDXXXX {$4700.00}, DPT EDXXXX {$5800.00}, DPT ED/XXXX {$5700.00} , DPT EDXXXX {$4100.00}, DPT EDXXXX {$3700.00}, XXXX XXXX {$10000.00} , XXXX {$3600.00}, XXXX {$720.00}, XXXX XXXX {$750.00} , XXXX {$340.00}, XXXX XXXX  {$910.00}, XXXX XXXX  {$2300.00}, XXXX XXXX {$11000.00}
Product: Checking or savings account

Yes hi my accounts been frozen. For a year or more and. Td bank states funds are on smart hold.My account gets funds taken out of it every month for maintenance fees when the account is soppose to be frozen.I Thought it wasent legal for a bank to hold funds this long. Plus when the funds are benifits.Top it of I went down to my financial institution awhile back.They wrote me out a check.Then rip up in front of me. And tell me it's fraud and we're not nice. Something fishy is going on. With my account I would like to know What.
Product: Credit card

This complaint is against Saks First Premier Master Card. The motive of this complaint is because the department of fraud blocked all my accounts that I have with Capital One Bank of Saks Fifth Avenue and Neiman Marcus. Because they say that I made a payment of XXXX dollars and that payment was returned, small story short telling me I 'm a liar because in this complaint I 'm going to attach a copy of status of my accounts of XXXX XXXX how they asked me and also the check by them. Because I know that they have it in their account. Also in many opportunities they have mistreated me, asking me for papers like I was doing fraud in my own account. I have sent through fax in a lot of oppurtunities of all the documents that they ask of me to prove my identity. The Saks Fifth Avenue of XXXX XXXX of XXXX, Florida. This situation has had me exhausted and embarrassment also wasting time and have embarrassment. Today, an ironic investigator presumed that I was lying. And that for him to unblock my accounts he needs copy of my driver 's license front and back, copy of my SS front and back, last statement of my cheekiness account, evidence of my check paying Neiman Marcus for the XXXX dollars. Because in his computer apparently it does n't exist. Here, attached I have all the proof that they are asking for me because through you there will be a stop the embarrassment that this store and company has put me through.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my student loans with XXXX are past due. I have been receiving emails from them monthly stating my account balance is {$0.00} and in good standing. I then received a credit alert that the nelnet account is past due. I tried to login to their website on a daily basis for two weeks to see where the discrepancy is coming from. Im finally on the phone with the representative and they are telling me Im not even setup to receive electronic statements but as explained I do receive monthly statements from them. Unknown to me, they have only been sending statements for two out of the five accounts I have with them. I believe this is unfair because I rely on those statements monthly to make sure Im in good standing with XXXX. My credit has now been negatively affected because of this. The solution that the nelnet representative suggested is for me to opt out of paperless and then opt back in to paperless and hopefully that will correct the error.
Product: Credit reporting or other personal consumer reports

I asked and sent letters to Experian about an account that was open under my name and they failed to remove the account and late payments being reported
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

THIS HAS BEEN AN ONGOING ISSUE. THE 2 ACCOUNTS THAT ARE STILL REPORTING ON MY CREDIT FILES ARE INCORRECT. 

XXXX XXXX XXXX XXXX THESE 2 DO NOT BELONG TO ME. THESE ARE A RESULT OF IDENTITY THEFT/FRAUD! THESE ITEMS DO NIT BELONG TO ME AND I DO NOT AUTHORIZE THESE AT ALL. THS IS AGANST THE LAW AND YOU ALL HAVE NO RIGHT TO FURNISH THESE. I REQUESTED INFORMATION ON XXXX OF 2023 FROM BOTH COMPANIES TO VALIDATE THE DEBTS AND NEITTHER COMPANIES WERE ABLE TO PROVE ANYTHING. I DISPUTED THIS THROUGH THE CFPB PORTAL WITH THUS 2 COMPANIES AND YOU ALL CAN CLEARLY SEE THAT THEY DID NOT RESPIND IN THE MANDATORY TIME FRAME. THEY ARE BREAKING THE LAW AND FOR THIS THEY MUST REMOVE THOSE ITEMS FROM MY FILES ASAP! I WILL ONLY GIVE THESE COMPANIES 15 DAYS TO REMOVE BEFORE I REPORT THIS TO THE XXXX XXXX XXXX AND Y STATES GENERAL ATTORNEY. 15 DAYS ONLY!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries on My Credit Report Dear Sir/Madam : I am writing to dispute certain inquiries on my credit report that I believe to be unauthorized and therefore incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate, verified, and authorized information on my credit report. I am requesting the removal of these inquiries from my report as I did not explicitly authorize any of them. Details of the Disputed Inquiries : Requesting Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Dates : XXXX XXXX Legal Basis under the FCRA for XXXX of Unauthorized Inquiries : 1. Right to Accuracy and Verification of Information ( FCRA 611 ) : Under section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to dispute any information that is inaccurate or unverified. I am requesting that you review and verify the legitimacy of these inquiries, and if you can not do so, immediately remove these entries from my credit report. 2. Obligation to Provide Proof of Authorization ( FCRA 609 ) : According to section 609 ( a ) ( 1 ) of the FCRA, I have the right to obtain all information in my file that is relevant to the inquiries conducted, including any evidence that I explicitly consented. I request that you provide this proof of authorization ; in the absence of it, these inquiries should be removed accordingly. 3. Protection Against Identity Theft and Fraud ( FCRA 605B ) : In the event that any of these inquiries are related to identity theft, section 605B of the FCRA requires you to block all information derived from such fraud upon notification. This letter serves as formal notice that none of these inquiries were authorized by me and could potentially be the result of fraud. Furthermore, I want to emphasize that, in accordance with the Fair Credit Reporting Act, I do not authorize this dispute to be processed using the XXXX XXXX XXXX. Since this dispute concerns unauthorized information, it requires a complete manual review to ensure compliance with my rights to verification and accuracy of information. Thank you for your attention to this request. I look forward to receiving a written response within 15 days, as stipulated by the FCRA. Please keep me informed of any progress in the investigation process. Sincerely,
Product: Mortgage

I sent XXXX principal payments to UBS Mortgage, serviced by XXXX NJ ( the mortgage servicer for my UBS Mortgage ) on XXXX XXXX, XXXX, XXXX and XXXX, 2015, totaling {$110000.00}. As of today, XXXX XXXX, 2015, they have misapplied each payment and have not accurately reflected {$76000.00} of payments. I have called and e-mailed multiple times and I have been promised that my case was escalated and would be corrected soon. I spoke to XXXX Client Service representatives today, and I asked for a supervisor. I was told that they can not connect me with a supervisor, and I could be put on hold to wait in the " queue ''. After 1 1/2 hours on hold, I hung up. There is no physical address to send a complaint to, only XXXX and XXXX as the consumer 's customer service line. I have sent multiple secure e-mails, with a standard response that they will correct the misapplied payments " as soon possible ''.
Product: Debt collection

I never entered into a contract with this company for any reason. They have furnished my credit report with negative information. This action was taken illegally without my consent. I've sent removal letters to company with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 a fraudulent inquiry was made to my XXXX  report by TD Auto finance. I have attempted to reach this company by phone and not been successful. I have been the victim of identity theft and XXXX  has instructed me to reach out to each company, on my own to resolve this myself. I'm attaching my related police report I have made for identity theft.
Product: Credit reporting or other personal consumer reports

I have repeatedly tried resolving this issue with all three credit companies. They have refused all of my requests and how not blocked my ability to submit complaints via online. On their website, it states that the issue has been resolved. However, when I try to submit another complaint it states that there is a dispute in progress.

This is my recent response that I am unable to submit to all 3 credit bureas regarding inaccurate information on my account. I will be submitting this to the Department of Treasury as well as any other Bureau whom this information pertains to.
Product: Credit reporting or other personal consumer reports

I have made multiple disputes regarding a debt that I paid to have deleted from my credit report. The original creditor was XXXX, and the debt was later purchased by Velocity Investments, who used a third party named XXXX to collect the payment. The debt was settled and paid in full on XX/XX/2023. However, it is still listed on my credit report as a closed, unpaid account, despite the agreement to delete it upon settlement
Product: Credit card or prepaid card

InXX/XX/2023 I received a debit card from PayPal which I never applied for. I thought the package was ads so I did not open until XXXX. On XX/XX/ when I opened the package and see such card, I feel it must be related to ID theft as I never applied for such card, and it was not shown in my own PayPal account. I contacted PayPal immediately and reported the receiving of the card and urged them to close the card and do fraud investigation on the card and whatever PayPal account it linked to. The representative assured me that there was no activity and I will not be responsible for whatever transaction happened on the related account. 
In XX/XX/XXXX I received collect letter from company named XXXX XXXX XXXX XXXX, claming that I own PayPal {$25.00} from a PayPal deposit account I never owned. I contacted PayPal again on XX/XX/XXXX and they said that deposit account was linked to the debit card I reported in XXXX. Seems after my call they just closed the debit card and send whatever the costs/debt from that account to the debt collector with my personal information without my authorization. They did not offer any solution about how to handle the collect company just ask me to tell them it is a fraud, but the collect company is asking me for more personal information like XXXX and XXXX before handling my case, which I feel uncomfortable to share.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand immediate corrective action regarding the handling of my credit report following the XXXX XXXXXXXX data breach. As you are aware, this breach exposed sensitive personal information, including Social Security numbers, birthdates, and addresses, making me vulnerable to fraudulent activity. 
In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any fraudulent information resulting from identity theft removed from my credit report. This includes accounts, inquiries, or any other data related to the breach. The FCRA explicitly mandates that this information be blocked promptly, and I expect your compliance with this requirement without delay. 
The breach has directly exposed my personal information to unauthorized individuals, significantly increasing the risk of identity theft. Under the law, you are obligated to ensure that any information resulting from this breach is thoroughly reviewed and permanently removed from my credit report. I request that you take all necessary steps to investigate and address this matter immediately. 
I require written confirmation that all fraudulent entries have been identified, blocked, and removed, as well as a detailed explanation of the actions taken to resolve this issue. Please understand that timely action on your part is critical to protecting my financial well-being. 
Failure to promptly address this matter may leave me with no option but to escalate my concerns to the Federal Trade Commission ( FTC ) and explore additional legal remedies under the FCRA. I trust that you will treat this matter with the urgency and seriousness it demands and look forward to your prompt resolution.
Product: Debt collection

I have been repeatedly hounded for a debt on purchases I never approved.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report for XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under 15 USC privacy act remove inquires immediately did not give permission for these companies to run my credit. I had called XXXX to help but it wasnt helpful the guy on the other line offered me a protection plan XXXX XXXX life plan protection for my credit wasnt helpful to help remove inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX  XXXX {$1700.00} DEPT OF ED/XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$3000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX {$130000.00} XXXX/XXXX  XXXX {$270.00} XXXX XXXX {$24000.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX   XXXX {$78000.00} XXXX/XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} US DEP ED XXXX {$2800.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

My cards were charged and the company Paypal and Synchrony stopped taking my payments. They were charging inactive bank account during the fraudulent activity. One card was paid on time and still being paid on time and still being marked late, collection. Still being charged {$34.00} a month without my consent. Can not cancel the accounts or continuous charges.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Acceptance Corporation auto loan was open XXXX XXXX. Account Number XXXX. 

This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX which XXXX XXXX XXXX had possession of the debt which a settlement was reached and the debt was suppose to be eliminated. They later sold the debt Portfolio Recovery and it is causing my credit to plunge and the debt has been settled. XXXX XXXX XXXX has a class action suit filed against them for mishandling debt. Please if you all can look at resolving this issue it would be greatly appreciated. 
Portfolio Recovery {$1500.00} Portfolio Recovery {$1600.00} Account # XXXX In the letter they also said they acquired the debt on XX/XX/2019. This is total scam! XXXX was eliminated from report.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelles handling of disputes in light of the most recent CFPB lawsuit. Despite using Zelle on numerous occasions and reporting discrepancies, my financial institution and Zelle failed to investigate my claims expeditiously. Theyve informed me that recovering lost and tracking transactions were impossible. The CFPBs findings show that Zelle has not only neglect to protect customers but also allowed repeat offenders to exploit the system, leaving users like me vulnerable to scams. This lack of accountability and transparency is totally unacceptable and raises serious concerns about consumer protection.