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

I have diligently followed the established procedures for disputing inaccurate information on my credit report by submitting multiple dispute requests, each accompanied by the necessary documentation and evidence supporting the fraudulent nature of the listed items. Regrettably, despite these repeated efforts, the inaccuracies persist, posing a significant threat to my financial integrity and creditworthiness. 

I kindly request the following actions be taken promptly : Conduct an immediate and thorough investigation into the fraudulent items listed on my credit report. 
Provide a comprehensive explanation for the repeated failures to remove the fraudulent items despite multiple disputes. 
Take urgent corrective measures to rectify the inaccuracies and update my credit report accordingly. 
Furnish written confirmation of the resolution, including the expected timeframe for completion. 
Given the continued challenges and the impact on my financial standing, I expect this matter to be resolved within the specified timeframe from the date of this letter. The prolonged presence of these fraudulent items has caused undue stress and financial hardship, and further delays in resolution are unacceptable. 

Failure to address this complaint in a timely and satisfactory manner may necessitate escalation to regulatory authorities, and I may seek legal counsel to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please update by deleting all that has been uploaded to be accurate and true. I am trying to get my life and start business and I need you to please be compliant with all rules and regulations and be humane and considerate that this has effected my life greatly Im nearly XXXX XXXX XXXX and have suffered hardships many years in my life due. To this and identity being taken
Product: Credit card or prepaid card

On XX/XX/2022 it has come to my attention that Capital One has collected unearned interest which is a violation of ( 15 U.S.C. 1615 ). I spoke to capital about the closing of my account and the unearned interest that needs to be refunded on XX/XX/2022 and Capital refuse to comply by saying that I owed a " payment '' on a finance charge.
Product: Vehicle loan or lease

Hello. I called Global Lending Services to make an arrangement to pay my car note. My XXXX  had lost his job and weve been struggling. However, I said I can pay one payment of XXXX on the last day of the month. That would be XX/XX/XXXX. I wake up, pay the note at XXXXXXXX XXXX pst. This company comes and repoed my vehicle at XXXX XXXX. Now they are giving me the run around telling me it was rightful and justified and theyre quoting me the east coast time. I am on the west coast. Please help! This is fraud.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I had my phone and the contents of my wallet stolen. The people who stole my phone opened up an Apple Card, serviced by Goldman Sachs, in my name as they also had access to my social security number from an old tax return they found in my email. I informed Goldman Sachs of this upon becoming aware, which was during the week of XX/XX/2022. Goldman Sachs claimed to close the account when I provided them this notice. 

However, Goldman Sachs is claiming I owe them XXXX dollars, which is now showing up as a delinquent account on my credit report. It has caused significant damage to my credit, yet they've done nothing to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items mentioned below were totally incorrect or has inaccurate informationbeing stated. 
XXXX XXXX XXXX Balance : {$140.00} Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

( XXXX XXXX : ) XXXX Balance : {$92.00} This account, which you are reporting to be a collection, has nothing to with me. I have no idea about this account and your investigation was not done properly. You should have provided the original account name for this and have submitted any proof or documents to support your claims. However, you have failed to do both. Thus, this should be removed as soon as possible. 

FCTUALDATA Date of inquiry XX/XX/2020 Eliminate this inquiry, because I think the date might be wrong. Look into this information or I suggest you remove it from my credit file. 

1 XXXX Date of inquiry XXXX/XXXX/201 Provide definite proof claiming that this was an action made on my end. If you can't, totally erase it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an Response From World Finance Company of Georgia, XXXX ( World ). Their Response was Improperly Documented They Stated the Account/Transaction isnt eligible for this recognition as his debt was charged-off not canceled. Do they not know What charged off mean they put it on a tax Form and Received compensation for that account they Are in Direct violation of 15 USC 6802b and all its subsections I wasnt given a chance to opt out of my Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; they are violating. And as far as the statement they are alleging Ive never lived at that address nor had that phone number. ALSO WHAT DOES INDUSTRY STANDARD MEAN? 
They definitely arent in Metro 2 Compliance. Have them provide proper Documentation and show the original Creditor with Original Signature I Dont owe any Alleged debt
Product: Prepaid card

American Express Serve card refuses to release funds on hold from a vendors error and even after vendor tried to contact them to release the funds, would not supply the vendor with the information needed to cancel the overcharge of {$83.00} from XXXX/XXXX/2015. Insisting that I wait 7 days for the change to just " Fall off ''. I understand that they have whatever policy in place for security, but after being presented with the necessary information from the vendor still refusing to relinquish funds, causing me to not to be able to buy food for my family.
Product: Credit reporting or other personal consumer reports

Hello CFPB, 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 and XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXXXXXX XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXXXXXX XXXX  XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX Account # ending in XXXX and Account # XXXX has violated my Rights. 

XXXX XXXX XXXX Account # Ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXX XXXX XXXX Account # XXXX 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 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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.

15 USC 6802 I DID NOT receive the required opt-out notice at the time I created the account that is being reported.

Thankyou for your attention to this matter!
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported unauthorized inquiries and the inaccurate account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting that all accounts associated with this breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts should be blocked and deleted : XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXXXXXX XX/XX/XXXX {$92.00} XXXX. XXXX XXXX XX/XX/XXXX {$1400.00} These accounts were compromised as part of the data breach, and I kindly request their immediate removal from my credit file. Please confirm in writing once the accounts have been deleted and provide me with an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
. Did not consent to unauthorized inquirXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Validate Account Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. XXXX turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by one day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the XXXX student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.
Product: Debt collection

Discover continues to report a debt on my credit report that I did not initiate. I have already submitted a FTC fraud affidavit and police report, but they refuse to take this off of my credit report.
Product: Mortgage

I purchased a condo in XXXX for {$50000.00} with Wells Fargo as the lender with an XXXX APR. In XXXX, I did a [ mortgage ] re-modification loan under Wells Fargo XXXXs program to avoid foreclosure. I was told not to pay any payments until the modification went through. This process took relatively XXXX months with me sending paperwork back and forth. After the process, I noticed my payments went down roughly {$75.00} put my XXXX stayed the same which is what was odd at the time. My principal balance in the last quarter of XXXX showed a balance of {$45000.00}. However, when I filed in XXXX my balance was {$50000.00}. In XXXX Wells Fargo sold my mortgage to another lender XXXX XXXX XXXX which I was told that they had a right to and do it from time to time. Today I noticed that my principal is XXXX with XXXX. I recall Wells Fargo class action lawsuit where I received a small card and sent it back but never heard anything from it. I also recall a few banks such as Wells Fargo XXXX XXXX XXXX XXXX being sued regarding modification loans. I've been at my place for over 20 years and just paid {$3000.00} on my principal? I would like help regarding an investigation into this practice. As a minority, I should have at least {$10000.00} toward my principal. I feel that Wells Fargo has taken advantage of this situation and myself. After the class action lawsuits, it seems they sold my mortgage to perhaps cover this up. any help or leads regarding the next step will be appreciated.
Product: Debt collection

A company called XXXX XXXX XXXX out of the state of Mississippi reported to the XXXX credit bureau as a collection of {$660.00} for Collision repair I have no knowledge of this account I live XXXX Ohio
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approximately XXXX PM, I transferred money from XXXX XXXX to XXXX via my debit card to the Peruvian bank XXXX, under the name of XXXX XXXX XXXX, for the amount of {$410.00} plus a {$2.00} transaction fee. The transaction was conducted through the Western Union app for XXXX. An the transaction number was XXXX On XX/XX/XXXX, Western Union deducted {$410.00} from my account. 

Today is XX/XX/XXXX at XXXX PM. I contacted Western Union, and they informed me that they couldn't locate my money and advised me to wait an additional XXXX business days, making a total of XXXX days. I explained that the funds were needed for an emergency. I find this unacceptable and believe that my rights as a customer from the state of Rhode Island have been violated.
Product: Debt collection

Around XX/XX/year>, XXXX EST I received an email from XXXX about a credit card debt that went unpaid sadly due to health reasons during XXXX. At that time I used their clickthrough to " unsubscribe from these collection emails ''. It said give them two days for it to go through. Since then I've been emailed XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I've attempted to use their website and have gotten this automated response : " Unsubscribed from Chase credit card collections emails This confirms your request to remove XXXX from future credit card collections emails for this account. 

Please allow 2 business days to complete the request. 

Thank you. '' I've even attempted multiple times to use the XXXX built-in unsubscribe feature to also do so to no avail. At this point it feels almost as if they were harassing me by continuing to email me so many times when it has been expressed through their system they provide to opt out of said collection emails.
Product: Student loan

I co-signed for my child to attend XXXX School in 2006, which was a private school. The loan at the time was under XXXX XXXX since transferred to Navient. The amount financed at the time totaled XXXX plus taxes and fees. The payments were being kept for about a year after they began. My child did not complete the course due to a problem which did not allow them to go. After that payments were not being met which Navient transferred the payments to me. The amount were being paid thru me by my child until they could not continue payments. About two years ago I was hit with another student loan under my name, in which I had no knowledge of In the amount of about {$12000.00}. I keep my paper work in ref to anything to due with money and loans. I know for a fact there is nothing with my signature or info on this second loan. So not sure If I have to sue them to correct or resolve this problem. But if I have to I will because this is illegal and should not be allowed.
Product: Checking or savings account

On XX/XX/XXXX I left to go out of town in a haste to take care of a widow friend of mine who recently lost her husband then I traveled more to go help a single mom prepare for XXXX. Before, I left I attached my XXXX debit card to my XXXX XXXXXXXX XXXXXXXX XXXX card as preferred method of payment. I did this because I knew that I did not have the funds to cover my trip in XXXX XXXX and did not have time to transfer money. On my trip I got a phone call that I needed to drive back to South Carolina and pick up my cousin from the airport on XXXX day so that we could go see my grandmother who was dying one last time..so I rushed home on XXXX XXXX and left early the next morning to go see my grandmother who passed a few days later. I did not have time to sit down at my computer nor did I see any notifications on my phone. When I did finally get home after my car broke down, which took a few more days to get fixed I saw on line that XXXX XXXX had charged me 12 Insufficient Fund fees and 5 over draft fees. So, I called XXXX to see why? And they told me that when you use your XXXX debit card it charges the BANK that is hooked to the account not the BANK card. So, I payed XXXX the XXXX I owed them. And went to my bank on XX/XX/XXXX to explain why this all happened and hoping they would have understanding especially with all things considered.. and showed them proof of the payment to XXXX. However, they were only willing to credit me XXXX out of XXXX in insufficient fees and overdraft fees. 
Despite the hard times Covid 19 brought into my life.. I managed to open two businesses and have been working very hard to manage everything and with the claims that First Citizens helps low to moderate income communities and that I have been a customer for years I was shocked that they did not help me any more than they did. I had one child support check come in XXXX that was applied and with the credit XXXX I still owe them XXXX It has been very hard and this has made it even more difficult. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Bank was contacted XX/XX/XXXX I do not know the name of the person I spoke with, but it took over a week to get a response, that they would only help me with three charges.
Product: Credit card or prepaid card

Although I never had a Barkley/XXXX credit card, they implied I had, and sent unsolicited convenient checks. I used two of the three and paid Barkley the amount I had used on the checks. However, they are charging me {$20.00} for using each card, and now late fees. Please tell them, I never dreamt they would charge for use of the checks. Therefore, I am not paying the $ XXXX + late charges. Please tell them to stop bothering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not delete an account that has been forgiven. It is showing a derogatory status of owing a balance of XXXX. I have included a letter from US auto stating that not only was the balance that they are reporting is incorrect, but also that it has been forgiven. This is damaging to my credit. This is a violation of 15USC 1681. I demand that this be removed immediately.
Product: Debt collection

XXXX XXXX keep trying to collect a debt of {$3800.00}. I have never used or obtain an account with them. Always get denied with XXXX XXXX due to how my credit is invalid. because I don't have any credit history. Therefore, I'm certain that someone made an account under my name and used my social to get a account and ran up a bill. Now it's under my name & really trying to establish credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX has violated my rights according to : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB complaint number XXXX your response was you have the account listed as a charge off, please see attached credit report you have this listed as a profit and loss. It is not a profit and loss I paid this in full. If anything this should only be listed as a charge off. You also stated in your response I never contacted you prior to my complaint filed this is incorrect I spoke with XXXX  on XX/XX/XXXX at XXXX she advised me she can not correct my credit from stating this is a profit and loss that the bureaus would have to fix again please see attached credit report along with complaint showing you reported this as a profit and loss and not just a charge off. My next step will be to retain an attorney as I want this corrected to reflect the correct reporting. I do not understand what is so hard about reporting this accurately. Someone in your establishment needs to do the right thing and take some time and correct my report. Someone took the time to incorrectly report it that the same person should take the time to correctly report it. I want it to be fix on XXXX XXXX and XXXX XXXX where it is not showing both a charge off and profit and loss. It needs to show on both that it is a charge off. I paid on XX/XX/XXXX I paid both accounts on the same day and I send a copy of the bank statement showing were they were paid off.