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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required un der Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd p arties you are damaging my reputation and credit worthiness.  <P/> Under the  FCRA 15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO CONTRACT
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are under State and Federal law to respond to the consumer about disputed submissions in 30 days. As a consumer, I have the right to protect my reputation and my personal information. My disputes have been ignored. It has been 78 days since XX/XX/2023, that none of the disputed items have not been removed from my credit file.
Product: Credit card or prepaid card

On XXXX XXXX, 2020, a set of eyeglasses I had purchased with my American Express credit card were stolen from amongst my possessions, while I was having coffee and spending time at a local XXXX. The glasses were not visible to the public ; they were secured in a pouch along with other personal items when not on my face. Also, the pouch was not exposed in a common area, such as on my table. Rather, it was hidden on a chair beside the chair I occupied. The coffee shop is protected by surveillance cameras, staff baristas, private security and XXXX XXXX XXXX XXXX XXXX. The theft was reported to all parties, but search results were negative. American Express purports to offer purchase protection insurance, but draconian terms and conditions are imposed. A theft must occur in a utopian situation absolutely devoid of the possibility of theft before a claim will be honored, conditions so favorable to Amex that insurance of any kind would be superfluous, unnecessary. The basis of Amex 's claim denial is that I did not maintain the necessary security, a finding which defies credulity. Please use the authority of your office to have Amex reverse its baffling decision and honor my claim.
Product: Credit card or prepaid card

I recieved a letter from discover card that were closing my account. I 've missed one payment and had one payment come back return from one of my accounts due to fraud being done on the account and me having a freeze on my account. My account should not be closed and also there are charges on this account and fees that I was told would be credit before my next payment was due. I really like this company and would like for my account to remain open. Also I sent in a money order for XXXX on XXXX and that should have brought my account to current ... ... I have proof of the money order as well
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received my credit report from your company. I see a adverse account that is being reported in error and have to be deleted. The account is XXXX see all three attachments of the report. It stats a close date on XX/XX/XXXX and a last payment date on XX/XX/XXXX. How is that possible! All can be seen on the attached paperwork. Please review and delete.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered two unauthorized hard inquiries on my credit report from XXXX XXXX and Foursight Capital LLC. Hard inquiries typically happen when applying for credit. Unauthorized ones raise concerns about potential fraud or unauthorized access to my information. I plan to dispute these inquiries with the credit reporting agencies and take steps to protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information and is a result to me being homeless. I have disputed the following : * XXXX- I have never lived there my wallet was stolen. They didnt fill out my debt validation request. They have a old Driver licenses that got stolen. I have a police report. XXXX removed this debt * XXXX- I never lived in Texas XXXX All the have is documents that they claim match my signature. This is also false. XXXX and Experian removed this debt. 

* XXXXXXXX XXXX- This company does not respond to me. This was removed on Experian. This is a false claim * XXXX XXXX This debt was paid and settled. I provided them receipt and they still wont remove. Its been over 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Exxonmobil/citibank CBNA I have had to call them several times to close an account. They have not. Today I spoke to them again and they told me they could not help. 
I spoke again on XX/XX/2019 to XXXX who transferred me to XXXX who then transferred me to XXXX. Non could help ; expressing call your C. Bureau. I explained the C.B said I had to have them send that information to them. I got nowhere. # I called XXXX & XXXX @ XXXX XXXX. 
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Product: Mortgage

On XX/XX/XXXXXXXX  I received a letter from Mortgage company stating my escrow account had a shortage of {$6400.00} ( review period XX/XX/XXXX to XX/XX/XXXX ) with current mortgage payment : {$1000.00} and New Mortgage payment of : {$1600.00} due XX/XX/XXXX. Letter was dated XXXX XXXX  and received postmarked XXXX. 

i researched and found out that XXXX  & XXXX Property, School, water taxes were paid from my escrow on XX/XX/XXXX XXXX that also includes Penalty fees and Atty. fees. Total of {$2100.00} XXXX XXXX MUD Tax fees were also paid on XX/XX/XXXXXXXX   for {$1000.00}. 
XXXX  SCHOOL TAX was paid XXXX on XX/XX/XXXXXXXX  with the previous owners name on the receipt/previous owner is deceased and has since early XXXX. XXXX school tax was paid on XXXXXXXX  for {$1000.00}. They did not project my XXXX Homestead either and have not given me a reason for the delinquency or late fees. i have all receipts, etc. i am getting no where with them and they do not know why the taxed were paid late.
Product: Credit reporting or other personal consumer reports

XXXX. ) XXXX Report # XXXX has a account listed as fraud and money owed to XXXXXXXX XXXX XXXX. They reported the wrong balance and status of account as suspected fraud. I have requested to opt-out of their reporting per ( 15 USC 68-02 ) as well as Inaccurate Reporting per ( 15 USC 16-81 ), Privacy Act of 1974 and 16 CFR 433.3 ( Illegal to report Transaction History ) 2. ) XXXX Report # XXXX / XXXX # XXXX / Equifax # XXXX A ) First Progress Credit Card XXXX XXXX XXXX ( Inaccurate Reporting ) B ) XXXX XXXX XXXX XXXX opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 3 ) XXXX XXXX XXXX A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness , which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 4 XXXX XXXX XXXX A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) XXXX XXXX XXXX XXXX XXXX XXXX ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 6 ) XXXX XXXX XXXX XXXX XXXX ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 7 ) SECU Loan A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) XXXX ) XXXX XXXX XXXX XXXX  ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02-05 ( Payment History Illegal ) C ) Privacy Act of 1974 D ) 16 CFR 433.3 ( Illegal to report Transaction History )
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Equifax. They keep putting fraudulent, illegal remarks on the following accounts. 

1. XXXX/XXXX  2. XXXX/XXXX  3. XXXX/XXXX  4. XXXX 5. XXXX XXXX  On each of these accounts they keep putting a derogatory remark that says CUSTOMER DISAGREES, OR CUSTOMER DISPUTES or REINVESTIGATION IN PROGRESS or INVESTIGATION COMPLETE. ( I am attaching screen shots from my latest credit pull to show proof ) The only statement that should be on each of these is " ACCOUNT CLOSED AT CONSUMERS REQUEST '' All other remarks need to be removed immediately.
Product: Debt collection

Portfolio recovery XXXX XXXX XXXX XXXX XXXX Virginia To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on XX/XX/year> In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, Your Signature XXXX XXXX XXXX
Product: Checking or savings account

I made a cash deposit using and ATM PNC Bank and eat my money, no receipts, I went inside and now I have a case, i was assigned to a person name XXXX XXXX, I call today ( this is the second day ) to know when I will have my money back and I was told that it will take at least 10 days to know it. XXXX dollars to pay my bills ... .what Am I supposed to do now.
Product: Credit card

I was charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed. I was also charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed as well. When I make my monthly payment over the telephone I would be told it was on time. But if for some reason I was charged a late fee to contact customer service & they would remove the charge. I would contact customer service the day or a couple days after & they would assure me charges would be removed, but that 's has n't always been the case. The last time I contacted customer service they said since so much time had passed they would n't remove the charges. Even though it was the credit card company 's fault the charges got placed & not removed in the first place. I 'm recovering from a series of procedures & have n't been able to stay on top of my account as normal. But I 'd expect that when someone says they 're going to do something that they are actually going to do it.
Product: Mortgage

XXXX/XXXX/XXXX. Called Seterus Inc again to obtain status of the modification request submitted on XXXX. Still no resolution on this. I keep getting the " follow back with us next week '' The representative today " XXXX XXXX '' stated that they are still working on find a solution for me. They will be contacting me if a subordination can be offered or not. She told me if I did not get approved for a subordination they would move forward with the foreclosure of my home. She told me someone worked on my file on XXXX/XXXX/XXXX but could not tell me what was done. She said documents were ordered. When I asked what documents she told to go to their website to read how the process of a subordination works. Basically she could not tell me anything. I have been calling Seterus Inc every week since XXXX/XXXX/XXXX. I have spoken to several representatives. They all give me different information. The representative from last week told me she was submitting an excallation review since they made a mistake in regards to my modification I completed on XXXX of XXXX. They never recorded the modification for the payment of {$1400.00}. Never notified me that the modification was not denied, after the fact that they sent me the Modification document to be signed and notarized. They Denied my modification after they approved me without notifying me. Instead they were sending letters to my ex husband 's attorney. I was completely blind sided on this and now they are playing games and not getting this problem resolved. I am under the impression they are going to deny my modification request and offer me no other option and I will loose my home. It is going to be almost 1yrs that I have been trying to resolve this problem and nothing is getting done. I can not afford to hire an attorney to resolve this issue. But I 'm afraid that will be the only way for me to keep my house. I have filed a few complaints and the answers you get are the same I am getting. " They are working on a resolution for the problem, someone will contact you soon '' No one from Seterus has ever called me. I 've been getting letters daily in the mail that my account is behind and that I need to pay over {$9000.00} to bring the account current and prevent foreclosure. Please help.
Product: Debt collection

Some stole and used my identity to open an account. XXXX XXXX XXXX hired a debt collector to collect money from for an account I did not open. I do not owe anything to XXXX XXXX XXXX nor did I open an account to them and I do not have a open/current account on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found some unauthorized inquiries on my credit report under 15 USC 16c-2. These inaccuracies are damaging my credit, and I kindly ask for the removal of all hard inquiries. Thank you!
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 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. 

XXXX was paid off on XX/XX/20
Product: Money transfer, virtual currency, or money service

I am writing to firm ally express my concerns regarding Zelle 's handing 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 tracking theses transactions was feasible. The CFPB 's findings indicate that Zelle has not only neglected to protest consumers but has also allowed repeat offenders to exploit the system leaning users 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

There are dates of account opening when it was opened over XXXX yrs ago. I was in the hospital here in California all of XXXX. They are saying account opened in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for the Transunion Credit Reporting and thought it was free. I used it for a couple days then decided it was no longer needed. Now, I've been making payments on my credit card for months and didn't understand why my balance wasn't really changing. I looked to see if there were any other charges besides interest and there were. I tried logging into my account but when I get to the security question it will not let me pick one to answer. I've called them over the past week and sat on hold every time for hours at a time.