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

Hello how are you? Im following your guidelines and not putting any personal information in this letter! 
I am writing to let you know approx 41 days ago I sent a notarized letter to the company in question about this issue and have heard nothing back! I have also tried to call and was told I had to write them which I did and submit a complaint! I have also reached out to the company which has went out of business since the pandemic! This information is not only incorrect but is negatively impacting my credit worthiness and opportunities. I need this corrected and taken care of immediately especially since this company is not collapsing protocol and responding within a proper and legal time frame as well as correct this situation for me the consumer knowing its impacting me negatively! 
Im question on my report the account XXXX XXXX XXXX XXXX XXXX Closed 120 Days Past Due ( incorrect ) Status updated XX/XX/2019 Balance {$0.00} Balance updated XX/XX/2019 Paid off 100 % Past due amount {$0.00} Original balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It contains wrongful and false information and says that on the, on this of XXXX ; XXXX ; and XXXX are in red and marked as LATE ON THE report while every other payment is marked paid and in green. My educational institute at the time which is still in business vouches for me as well due to the school rules, you can not be late on any form of payment to the school or to a third-party payment institute or you will be dismissed from class until payment is made. That is still the current educational rules as of this date as well. Not only that, but there have been other reports of this current company I am, speaking of having other issues and a long history of derogatory and negative issues towards their clients This hole amount and loan has been paid off and timely every single payment and I refuse to keep having this affect me when I clearly have no other missed payments my hole entire history on any reports! 

In accordance with the Fair Credit Reporting ACT, This creditor has violated my rights! Under 15 USC 1681 section 602 states I have the rite to privacy! 15USC 1681section604A section 2 It also states a consumer reporting agency can not furnish an account without my written INSTRUCTIONS! Also under 15 USC 1666B A creditor may not treat a payment on a credit account under an open consumer credit PLAN as LATE FOR ANY PURPOSE! Which they did and thats illegal! 

Once again this is wrong and is not ok and I want it taken care of as soon as possible! This is not ok and I have not been able to get any help and have did everything Im supposed to! Pleas3 get this corrected for me as the company in question has not responded in a timely fashion and next is notarized letters from my attorney Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/. I noticed some activities on my credit report that werent mine. So I contacted Experian XXXX, XXXX XXXX and XXXX XXXX and disputed all the inquiries credit cards and auto loans that I didnt recognize and did not authorize. When I filed a dispute, I furnished a police report for identity theft with a list of all the fraudulent accounts. 
A year later, some of the inquiries have been removed. None of the credit cards or auto loan has been removed yet regardless to the fact that Ive disputed these accounts numerous times since then, informing the credit reporting agencies that they are reporting inaccurate and fraudulent information.
Product: Mortgage

I have struggled this year to make my mortgage payments on time due to switching jobs last year and having to take a salary reduction from what I was making last year. In addition we became foster parents to XXXX children and my wife is now XXXX. I have paid so far in 2018 my XXXX, XXXX, XXXX, XXXX, XXXX, XXXX payments. I called XXXX XXXX XXXX XXXX to let them know I have the funds to make the XXXX payment but they told me they would not accept them payment, the would only accept a minimum of 3 payments, this seems very unreasonable, if I had the funds to make 3 payments I would have made them. I don't think its right for the mortgage company to refuse payments, I told them my next payment after the one I attempted to make would be on XX/XX/XXXX and the next on XX/XX/XXXX because I finally have the funds set aside to make all these payments and get back on track, still they said they will not accept any less than 3 payments at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the informa- tion in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report. 
Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX Kind Regards
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with the handling of Zelles disputes. Especially in the Recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, XXXX XXXX XXXX  and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and that tracking these transactions were unfeasible. The CFPBs findings not only indicate that Zelle not only neglected to protect consumers, but also allowed repeat offenders to exploit the system. Users were very vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety!!!!
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. The inquiries were not authorized by me. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

Inquires Listed Below : XXXX XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> Please remove them from my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my currrent credit report and show inaccurate information with creditor name XXXX XXXX account number XXXX. This account has been satifed and paid as agree with no balance which is to be reported as {$0.00}. I have contacted XXXX XXXX you advise that this account is closed and paid as agree with no late payments. This account is still shown as open with a balance which is incorrect. I have sent mulitple dispute with no reply.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, which is reported as late. I believe this information is incorrect and I am requesting its removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and complete. If an item is found to be inaccurate or can not be verified, it must be promptly removed or corrected. I have reviewed my records and have found no basis for the reported late payment.
Product: Money transfer, virtual currency, or money service

I was hacked on cashapp via email. my PIN was changed and almost XXXX $ was stolen from my bank account. this happened back in XXXX XXXX i have went through all the steps, sent pictures, screen shots, proven my identity, and also have had to submit the same information 3x already and as soon as i send all the requested information, cashapp responds that they are working on it then i get another email stating my case is closed. the 1st investigation they did was founded in my favor and yet i have to submit and do the entire thing all over again. i want to make this complain on the grounds that cashapp with not follow through with my case and will not return my money that was proven to be stolen by them already.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XXXX, I requested an auto insurance QUOTE from the XXXX XXXX of XXXX XXXX XXXX XXXX XXXX in XXXX, TX. 

Relatively after, I was notified of a credit collection account that was opened in my name for an XXXX policy, from the office of XXXX XXXX XXXX XXXX XXXX, that I never created nor approved. 

The office of XXXX XXXX XXXX XXXX XXXX informed me to submit an Auto Policy Declaration, proving that I had active auto insurance during the time that the policy was incorrectly opened for me. 

I submitted the declaration on XX/XX/XXXX and was informed that they had moved forward with submitting the documentation and were awaiting a response from corporate. 

This is a HUGE mistake of the XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX - to open an insurance policy for me, that I never created nor approved - as the only contact I had with this office was to get a QUOTE. This mistake is impacting my credit, which has yet to be resolved nor have I received an update from the office of XXXX XXXX XXXX XXXX XXXX, as of yet. 

As of today, XX/XX/XXXX, I am still awaiting a follow-up response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, This has been a constant battle with all the different breaches going on with our personal information. I found out that my info was sold on the dark web and I have been fighting these for awhile. I have a bunch of inquires on my credit profile for credit that I did not apply for and I expect them to be removed immediately or I will be taking action with a lawsuit. These have all been done without my permission and fraudulently EQUIFAX Inquires not made by me. 

XXXX XXXX - XX/XX/2018 XXXX XXXX- XX/XX/2018 andXX/XX/2018 XXXX Inquires not made by me.

XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX/XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 and XX/XX/2018 XXXX inquiries not made by me XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report : CHAPTER XXXX BANKRUPTCY CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   DEPTEDXXXX DEPT OF EDUCATION/XXXX DEPT OF ED/XXXX/XXXX XXXX There are also inquiries that need to be removed as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage payment for XXXX is missing. I did not identify my mortgage account number on the XX/XX/2021 check. I have the canceled check paid to the mortgage company. The check identifies the moneys were paid but the mortgage company have not posted the moneys to my account. I have not received any communication regarding the check written to my mortgage company-NONE. 
I have reported this incident to the mortgage company several times via. They said they would elevate the issue to their missing payment department. I have submitted via fax and emailed cancelled check, cash info. letter and bank statement to support that the mortgage company cashed my check to the missing payment dept. as advised by my mortgage company. Days weeks months go by I follow up with the mortgage company, they respond like I havent done anything no responses to the faxes or emails this has been going on since XX/XX/2021. In XXXX I go to the bank thats identified receiving the mortgage payment check and they advised me to request HELP from CFPB. Please please help me get my mortgage account out of default.
Product: Credit reporting or other personal consumer reports

CITIZENS PAY XXXX XXXX  said unpaid amount of {$66.00} was unpaid XX/XX/year>2024. 
The information was incorrect, even if the amount provided was correct i was never contacted by CITIZENS PAY XXXX  XXXX. 

Contact info Address XXXX, RI XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters to dispute these inquiries and they remain. I didnt ok them and they should be removed.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Important dates Inquiry dateXX/XX/XXXX Removal dateXXXX XXXX Additional details Business typeAuto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX VIA DEALER Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, VAXXXX Phone number By mail only XXXX. XXXX XXXX VIA DEALER Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, VAXXXX Phone number By mail only XXXX. XXXX XXXX XXXX  XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, XXXX Phone number By mail only XXXX. XXXX XXXX XXXX  XXXX Important dates Inquiry dateXX/XX/XXXX Removal dateXX/XX/XXXX Additional details Business typeAll Banks Contact info Address XXXX XXXX  XXXX XXXX XXXX # XXXX, VAXXXX Phone numberBy mail only XXXX. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number By mail only XXXX. 
XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, New Contact info Address XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX. XXXX XXXX XXXX. 
Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, New Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number By mail only
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of my name is XXXX XXXX XXXX My Address is XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and My only Phone number is ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received my credit report from XXXX after disputing incorrect information my confirmation # XXXX to the dispute nothing was resolved they stated that upon investigating with credit agengy the information is correct and will not remove the inaccurate information on my credit report I would like to know what is the method used to verifify that what is being put on my credit report is accurate its unbelievable the mistakes being made without proper documentation to verify that it belongs to me I was a victim of identity theft providing police report also putting a freeze on my credit report still it was over looked and disputes came back as verified without providing me how it was verified 1XXXXXXXX XXXX XXXXXXXX date opened XX/XX/year> XXXX # XXXX I have never heard of this company I ask for contract or purchase agreement that this belongs to me or removed from my credit report 2.Midland Credit Managment Acc XXXX XXXX XXXX XXXX XXXX Date opened XXXX requesting purchase agreement or contract validating it belongs to me Multiple Inquires made without my consent I'm requesting be removed from my credit report
Product: Credit reporting or other personal consumer reports

As a victim of identity theft due to the following data breaches below ; 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 XXXXXXXX XXXX have compromised all of my data being shared from XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 12 CFR 1002.9-1022 and Section 701 ( d ) ( 6 ) ( 15 U.S.C. 1681-1691 ( d ) ( 6 ) regulations C-B, multiple accounts appear as inaccurate information on my credit reporting profile e.g. debt collecting agencies, credit bureaus, name, address, phone, and inquiries.
Product: Money transfer, virtual currency, or money service

Using WISE, on XX/XX/XXXX, I transferred {$9000.00} to a bank affiliated with a non-profit religious organization called XXXX in XXXX XXXX ( Transaction # XXXX ). On the same day, they asked several additional information, which I provided the same day. They took the money out of my account and said everything has been verified. 
I have contacted them several times by email and by phone because the transfer ( which usually takes a few days ) has been taken much longer. Specifically, I have copies of email correspondence with WISE support on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They keep saying sorry, it's taken longer than normal and need a bit more time. It has been nearly two months, and I asked them to refund my money back into my account if they can not complete the transfer by certain dates. The latest response from them was they deferred the case to another team but no reply yet. 
Today is XX/XX/XXXX. The money is a community money ( donations ). The donors as well as the recipients are not happy with me. My credibility is diminished. I think it is not right that the transfer is taking nearly two months, I have a right to a reasonable and satisfactory explanation for an extra-ordinary delay, and I have to right to cancel it and get a refund ( possibly with interest ).
Product: Debt collection

Portfolio Recovery Services have acquired information from a company in which is a debt buyer and have not given me the right and proper form of dispute in which includes the consumer requesting UCC 9-210 I have the right to request for accounting of the original ledger and authenticated record. I also have the right to privacy of my non public personal information in accordance with 15 USC 6802, I have the right to opt out of sharing this information but have not received any information in regards to opting out, portfolio recovery is violating FDCPA, Code of Federal Regulations, Fair Credit Reporting Act. Procurement of consumer report for resale is also prohibited by the consumer not being notified. Please delete from your information in which this information is incomplete and inaccurate. I have no contract with this company with my wet ink signature.