23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My desktop was hacked and someone gained access to numerous accounts of mine, including Paypal, XXXX, XXXX, XXXX, Venmo, and several others in the hacking event that lasted about 3-5 days. The hacker started with XXXX on Thursday the XXXX XXXX of 2023. I didn't notice anything wrong until Saturday when they had transfered roughly {$40.00} in XXXX that my pc 's had mined over 4 months and they completely took over the account by adding a XXXX authenticator app. Venmo caught and suspended the account when they attempted to buy over {$150.00} in XXXX on that Sunday XXXX. I work XXXX in very long hours and don't see things as I'm either driving or sleeping on those days. XXXX caught the hacker and suspended my account as well. Fast forward to Sunday night about XXXX I was on my way to pickup a client, had my phone notifications on Do not disturb. So when Paypal sent me a message asking if I was doing a {$500.00} charge at XXXX ( monday ) and XXXX ( Monday ) saying " [ Reply Needed ] '' I replied with a '2 ' for 'No '. Now the {$500.00} went to a company called XXXX XXXX, which I later found out makes mobile games. 
Paypal has denied not only my initial dispute over the matter because the transaction came from my IP address, even though I showed evidence ( virus scan results with date/time ) that I was infected by the XXXX ( Remote access XXXX which has reverse proxy features that the virus controller can use their own pc and route internet traffic through my PC ). 

I have since got word from XXXX. Not only are they refusing to reverse my payment back to me but now they're trying to attach the hackers XXXX account that has over {$4000.00} in chargebacks from reported cards they've used that have been reported. 

. Here is the police report # that was started with the XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and I will be adding the preceding part about the company trying to make me take liability over the hackers account. 


My paypal email address that the payment was sent from is XXXX The Paypal transaction ID is XXXX I will also be contacting the Computer crime division of the XXXX XXXXXXXX over the issue this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent this same complaint to company last month and they responded they was not going to reinvestigate theses items that Im challenging! Its the law to investigate! Please remove all items listed or verify that they belong to me! XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX! None of these items mentioned has validated that they belong to me! Also I have no contracts with these creditors! Please remove immediately! 
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Product: Credit reporting or other personal consumer reports

I have been reviewing my credit report and I have seen this account present which I am not aware of - I sent over validation to the company to clarify this debt and I still have not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance is reporting on my XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with XXXX XXXX and they have failed to correct it.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

To Occ : XX/XX/2016 On XX/XX/2016, I received my permanent 2mp modification papers to sign and have notarize and have mail back on XX/XX/2016 which I sign, notarize and XXXX on XX/XX/2016. On XX/XX/2016 I received another copy of the 2mp modification papers which was identical to XXXX copy, the only thing different was the date to return it which was XX/XX/2016. I called Chase XX/XX/2016 XXXX and spoke to XXXX XXXX about receiving the duplicate copies, she verified in the computer system she do show they received all copies and signed and notarized on XX/XX/2016. I told her I also spoke with my point of contact XXXX XXXX on XX/XX/2016 confirmed also of receiving all copies and he 's waiting on the Chase to sign the copies and mail back to me. He also advise me to make my payment of XXXX on XX/XX/2016, which I did. On XX/XX/2016 I received my signed copies by XXXX XXXX Vice President XX/XX/2016. 
On XX/XX/2016 I received a letter telling me they have not received my signed notarize copies and I need to have them signed and notarized by XX/XX/2016. I called the number on the letter which was XXXX x XXXX who I spoke to XXXX XXXX XXXX XX/XX/2016 XXXX. I explained my concern of the letter I received XXXX place me hold, came back and said in checking her system its stating they did n't receive the Dodd-Frank copy, I told her I had a witness of all copies of the 2mp modification papers signed, notarize and XXXX to them. She place me on hold again for about 10 minutes and came back telling me to call XXXX which is the 2mp department because they mailed the letter, she also said that office is close call back. Of course I know they are open until XXXX so I called and spoke with XXXX XXXX XX/XX/2016 XXXX pacific time. I explained to XXXX my concern whom was my original point of contact, he check his system and said he show they have recieved all copies sign and notarize including the Dodd-Frank copy and I am permanent modified. I ask why would your system keep sending me out duplicate copies on the same account when it has been completed, XXXX said they have been having logic system problem and he thought it was cleared up but he report it to his supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

30 days ago I mailed a letter to Experian asking them to verify the collection items on my account. Specifically, XXXX XXXX XXXX {$410.00} acct # XXXX and XXXX XXXX XXXX Acct # XXXX. 
According to the FCRA section 609 via physical verification. I asked for verifiable proof as in a contract that I signed. 

Experian was NOT able to provide proof- the accounts have NOT been removed from my credit report. 
I also asked that they remove incorrect spelling of my name, incorrect phone numbers and incorrect addresses. The incorrect items are still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i am filing a complaint for error on my credit report from XXXX, XXXX, Equifax so i want the items removed and deleted from my report or verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax, shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 REPAIR all information which can not be verified. 

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

I am in the process of purchasing a home I noticed on my report there were derogatory accounts on my account that I am not aware of along with inquires and addresses. I am requesting that these items be removed from my report.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.

1 ) XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I have marked inaccurate & I would like the reported accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Back in XX/XX/2020, myself and 3 other friends booked a flight to XXXX, XXXX. After US government came out and stop travel to XXXX for pleasure we had to cancel our flights. 

We called airlines. They stated their was a cancelation fee of {$980.00} but since we have insurance. Our insurance would cover the {$980.00} balance. They charged me the {$980.00} fee twice and as we canceled our flight. They also canceled our insurance policy.

Since then I have been calling Citi Double cash credit card monthly. To fix this situation. Everytime I speak with someone from Citi Credit Card. They have a different story, situation, etc.

I am beyond exhausted and tired of having to call this credit card company monthly.

Now since its been over 6 months. They have reported to credit componys. So my credit has dropped over 100 points and they still  don't know if they can resolve this situation. 

I am at a lost a this point.
Product: Money transfer, virtual currency, or money service

Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately.they informed me that they are recovering lost funds was impossible and that tracking these transactions was unfeasible. The cfpbs finding indicates that zelle has not only neglected to protect conumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams
Product: Credit reporting or other personal consumer reports

Equifax continues To report inaccurate information, resulting in unfair practices, and misleading representations impacting my credit report. An XXXX reporting of late payments collections and hard inquiries. Misrepresentation of my account status or actions I have taken to address these issues. Lack of timely and transparent responses to my disputes as mandated under the FCRA. These practices have caused my financial and violate federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquires from XXXX of 2020- XXXX of 2020. That I have no knowledge or memory of nor of giving consent and need them to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My loan ended with bridge crest on XXXX of XXXX  but i Still have a balance that I am paying to them. my account isn't even charged of but they are reporting me as paying them late every month. How can that be if I no longer have a contract with them? I need them to stop reporting me late. We are not even on loan terms right now and I am paying the balance that I owe. not only that, they have added more to the balance in the past and i was supposed to be done with this loan a while back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries on my credit report For the last 6 months with TransUnion. I have been disputing erroneous, invalid and unverifiable reporting of specific Inquiries. I called and was refused the right to dispute. I specified the account names, inaccurate info and provided my personal info each time disputed. The company website does not work after 2 months of trying to dispute online. To no surprise, they continue to violate my rights by reporting accounts and inquiries in error. This will be my final attempt to correct these erroneous, invalid and unverifiable inquiries at this level before proceeding to take further, possibly legal, action. I was very specific about the account names and the corrective action, but they ignored and/or overlooked my requests AGAIN. I sent a hand written letter in XXXX, requesting these inquiries be removed. 

In XXXX of XXXX I called to have these inquiries which, I do not recognize and did not give permission to have my credit pulled removed. Trans Union has NOT conducted an actual investigation. Trans Union has not provided verifiable proof via original instrument of indebtedness. I have on multiple occasions called over the phone to dispute inaccurate data and have been told that i can not dispute anything. The items i am questioning ( hard inquiries ) aren't disputable. I know Trans Union is not there to help me as proven over the last 6 months of disputing these inquiries. They are a for profit company who intends to conduct predatory business to keep consumers crippled. However, i know i do have rights. 

All accounts being reported on all consumer credit reports must be 100 % verifiable, 100 % accurate or they must be deleted, not updated. In the event they, once again, are unable and/or unwilling to comply, I respectfully request this entity be held accountable per violation, per account, per consumer or i will seek legal action against this company. I have attached the responses received and listed the accounts in question that am disputing. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Attached is the response letter from Transunion. AGAIN declining my request. I am asking that these inquiries be delete from my credit file as I did not initiate them. Trans Union can not seem to comply with the FCRA and the rights I do have as a consumer. I am utterly disgusted with this company and their intentional negligence. I will be filing more complains for other letters I submitted to them with similar responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX XXXX # XXXX - Date Opened XXXX Account Name : XXXX XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX  Account Name : XXXX # XXXX - Date Opened XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

The Complaint I file against Comenity Bank with the Virginia Attorney Generals Office ( AG ) on XX/XX/XXXX was initially accepted. However, I received a letter dated XX/XX/XXXX instructing me to file with CFPB instead ( attached ), below are brief descriptions of my Complaint and attachments. 

I started complaining to Comenity Bank that my XXXX XXXX credit card account ( XXXX ) was being mismanaged and overcharged starting in XXXX XXXX by phone, email and U.S. mail ; our written Correspondences are attached ( Correspondence pgs. 1-8 ). My letter dated XX/XX/XXXX with receipts dated XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX ( pgs. 1-3 ) illustrate when the problem started ; I purchased two pieces of jewelry from XXXX XXXX in XXXX, VA on XX/XX/XXXX, returned one on XX/XX/XXXX after finding it at another store for about 50 percent less. After receiving the XXXX bill, I realized the payment plan for the two pieces was still in effect for the one piece, I wanted the plan changed since the one piece was eligible for an interest free payment plan. I went back to the XXXX store and as the attached receipts dated XX/XX/XXXX show, the store manager/saleswomen returned the remaining item and sold it back to me on an interest free payment plan. 

I havent purchased anything from XXXX since XX/XX/XXXX and the attached Statements dated XX/XX/XXXX XX/XX/XXXX ( Statements pgs. 1-20 ) shows the issue was never corrected, i.e., finance charges were/are still applied making the total I owed still over {$3000.00} ( I attached the first page of statements XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, but noticed when preparing the submission for the AG, that some finance charges were returned on statement XX/XX/XXXX, therefore I printed out that entire statement, the returns were made after my letter dated XX/XX/XXXX in which I indicated that I copied the XXXX XXXX XXXX, which I didnt ). 

At this point, I am beyond frustration and decided to stop making payments in XX/XX/XXXX, after which I received a number of texts, phone calls from blocked numbers and with no voice message. I was finally able to return a call and speak to a representative on or about XX/XX/XXXX from a message left that day. During this conversation, I informed the representative the I asked a third party to review my account. 

I appreciate your attention to this matter