23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX - XXXXXXXX XXXX - Account Number : XXXX
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 XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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

In response to Complaint # XXXX As shown I have acted in good faith in your response, you stated that 'you placed a cease and desist on the account ' which would include the consumer reporting agencies otherwise this would be violating my cease and desist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting {$18000.00}, XXXX  XXXX {$430.00}, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX are fraudulently reporting on my consumer reports which is a violation of 15 usc 1681 and 15 usc 1666 I have been a victim of several data breaches including SSA, and XXXX XXXX breach this is having an adverse effect on my life as I am in the process of securing my financial future and becoming a homeowner this identity theft issue needs to be resolved immediately I have filed an Identity theft report please remove it
Product: Debt collection

I was contacted by XXXX with United Check Recovery Bureau. I asked him to remove my number and to not contact me further and he refused and continued to talk with me about the debt of a former spouse. I asked him again and he continued to harass me and not acknowledge my request to remove my number. 

I finally told him I was going to file a complaint he became rude and laughed at me and said " File a complain with who? '' I told him the FTC and at that point he decided to listen to my request to remove my number. 

He was trying to be intimidating after I had already told him 2 days earlier that I am divorced and not responsible for the debt. 

The phone number that dialed me from was XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent XXXX lawsuit highlighting significant issues with the platform. Dispute 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 that tracking these transactions was unfeasible. The XXXX 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 scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me delete this account from my credit report.
Product: Credit card

Attached are a letter I wrote to Chase, and a copy of the XXXX XXXX XXXX they provided me. 
You will see that there is NO mention on the XXXX XXXX XXXX, that the credit card must remain active in order to utilize the XXXX XXXX XXXX. 
Chase should clearly state the terms of usage on the XXXX XXXX XXXX. It is the main written contract the customer pays attention to, and has from them. They can not provide one terms of service, and then another, different one ; and have the option of choosing which one they prefer to utilize.

They should be help accountable for their false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report and disputing inaccurate reporting from the alleged account XXXX XXXX XXXX  ; Experian continues to violate my rights. no proper and accurate investigation has been completed on my behalf as requested. XXXX XXXX XXXX continues to damage my Character and has caused a great amount of discreditability to my name. XXXX  and Experian continue to report errors such as different dates of last active on account and have not provided proof of investigation for accuracy.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$130.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Ive been paying XXXX  or XXXX  XXXX for about 2 years now and just found out it is a scam company! I am trying to get my money back! There is no contact number and the XXXX  cant help because they said no information on file.
Product: Student loan

I am filing a complaint against Nelnet, my federal student loan servicer, for violating my privacy rights under federal law. My private student loan information was improperly accessed and disclosed to an unauthorized third party affiliated with the XXXX XXXX XXXX XXXXXXXX ( XXXX ), an entity that is not officially recognized or elected. 

I did not consent to this disclosure, and this breach has placed my personal financial data at risk. I am seeking an immediate investigation into Nelnets data security practices and requesting the full discharge of my student loans due to this violation. 

I have also submitted a FERPA complaint to the U.S. Department of Education and request that the CFPB take action to ensure my student loan rights are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXXt account has violated my rights. 

1 : Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3 : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX 5 : XXXX XXXX XXXXXXXX : XXXX 6 : XXXX XXXX  XXXX XXXX XXXX 7 : XXXX XXXXce XXXX : XXXX 8 XXXX XXXX XXXX XXXX  : XXXX 9 : XXXX XXXX XXXX  : XXXX 10 : XXXX XXXX XXXX : XXXX 11 : US DEPT OF EDXXXX  : XXXX 12 : DPT EDXXXX  : XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions
Product: Checking or savings account

BBT BUSINESS CHECKING ACCOUNT NUMBER XXXX XXXX XXXX My account was charged off.I made a deposit of {$200.00} to clear up the overdraft.They owe me credits in the amount of $ XXXX.Which is still under review.Due to me filing a fraud claim.They overlooked my claim and closed out my account.On XX/XX/2018 There was a positive balance of {$120.00} in my account.My storage cost was $ XXXX.So I paid my storage cost.XXXX XXXX went into my account and took $ XXXX.When they only should have taken $ XXXX.Whichj cause my account to overdrawn.I had a positive balance of XXXX. {$90.00} should have been deducted from my account.Which should have left with a positive balance of about $ XXXX.Which would have covered the 3 XXXX fees.But Due to XXXX XXXX taken more then they were to suppose to take.It cause my account to be overdrawn.I have failed an 2-3 fraud claim about this matter.Nothing has been done about the {$240.00} as of today.Its still under review.I don't know why they close out my account.When they knew it was a fraud claim on the account being reviewed.I want CFPB and BBT to investigate this serious important matter concerning my account.Which is now charged off.

I am a XXXX XXXX.I know my rights and I may file a civil suit in Federal court in my city.The law suit depends on the outcome of this investigation and serious important matter.

My account should not been charged off.Due to a fraud claim being reviewed on my account.A fraud claim was filed.BBT is obligated to analyze and investigate this serious important matter.So why was my account charged of.

They also charged me a bogus charge off fee of {$30.00}.

Again I am a XXXX XXXX. I may file a lawsuit in Federal court.This is a violation of Fair Debt Practices Act.I want to reopen up an account and reestablish my good history with the bank.I was reported to XXXX XXXXWhich is a FDPA VIOLATION.

Here is my Fraud Claim # XXXX  ... .There is one claim still open. This is a legal bidding record of my claim and they are legal obligated to investigate and credit my account.

They should have enough heart to allow me to open up an new account for my businesses.Again my account should not have been charged off.

Left credited my account $ XXXX.Due to then charging my account $ XXXX.BBT owes me a {$36.00} credit. for the NSF Fee that was changed to my account.
Product: Student loan

I have not received my student loan refund in full & have received conflicting information each time I call the servicer in regards to my refund being processed.
Product: Debt collection

I have asked a newness at times to remove this from my dad that these are not my addresses and I did not make this debt and it continues so I want all of this removed and I never gave them permission to I asked him for the original debt my written seal and they can not provide it
Product: Credit card or prepaid card

i got a little behind in bills and at the same time had to change bank accounts, so i had some returned payments and got behind a few months, but my usage and my constant payments prior even when payments were due should have counted for something, I have a XXXX  and a amex and they both kept my account open during my financial woes, this company kicked me while i was down. I sent a letter asking for re-opening and they have yet to respond to my request for reopening. because they gave me no response i have decied to stop paying but i have now set up a payment plan with them to pay XXXX bucks a month but if they could have promised to re-open my account i have paid all the past due and keep paying as scheduled but they failed to even respond to my request, nor did they give a good reason for closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove not mine ; FCRA. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY 1905 PRESTIGE LOOP XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, OH XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CT XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY selling my information without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have several accounts on my transunion report that are identity theft. 
XXXX XXXX acct # XXXX balance of {$7200.00} last reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX balance of {$380.00} last reported XX/XX/XXXXXXXX XXXX XXXX acct XXXX {$1200.00} XXXX XXXX acct XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX acctno XXXX {$400.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

NOTICE TO CEASE AND DESIST PLAZA SERVICES , LLC. Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe PLAZA SERVICES< LLC Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to PLAZA SERVICES , LLC. You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated October 24, 2024 ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Debt collection

Company name : I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX, MN XXXX On or about XX/XX/year> I received a collection from an agency I had no idea for what? Further review, I noticed that they were a collection agency? However, I owe no debts and have a XXXX XXXX of XXXX XXXX? Therefore, I requested that this Collection Agency send proof of my contract with the XXXX company the proclaimed I owe and proof of Accounts Collectables or Debt owe? I disputed this and still have not received anything associating myself with this debt? I submit, that this company is in the business of maybe buying old false debt and trying to collect on false debt? This is not the XXXX time debt collectors just appear out of no where on my outstanding credit report in order to obtain unwarranted funds. This should be illegal.
Product: Credit card or prepaid card

In my business I use my company credit card for almost 100 % of my purchases and expenses. As a result I enjoy the Wells fargo Bank ( WFB ) Rewards program, where I earn points that I mostly use for Airline Travel or Gift Cards. 
For eight weeks now, I have been fighting WFB because their Rewards program experienced a System Error with my account and froze my earned points. 
Attached is a WORD document that is a log I immediately began to document the time and progress to correct their mistake. So far, I estimate that I have spent almost twenty hours either on the phone, or in person at one of their branches, with no success. 
One of the WFB Rewards Customer Service Agents privately recommended that I take legal steps. 
The Total Available Points is now : XXXX This has a cash ( or Gift Card ) value of {$4000.00} In airline miles it is worth even more.
Product: Mortgage

Caliber Home Loan, has violated the law by failing to provide XX/XX/2015, mortgage statement. I have ask for XX/XX/2015 mortgage statement, on multiple occasions. I have also ask why your company why it has failed to provide the statement for XX/XX/2015, with no response, thus far. Will you please provide statement for XX/XX/2015? 
If you can not provide statement for XX/XX/2015, I ask that you immediately cease foreclosure proceedings, and fixed all errors, in accordance with law. 
Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome. 
Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found accounts that i didnt recognize so i disputed them and they came back verified and accurate with no documentation provided that actually says the accounts are mines. my information was actually involved in a data breach and i filled out an ftc report due to the fraudulent accounts, inquiries and addresses. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Which i will attach here. These agencies is in violation of 15 USC 1692g section 3. They were to notify of this is writing 5 days prior, i was not notified. As the original creditor, only i can validate this debt. I do not validate this debt. Therefore the following accounts must be deleted from my report immediately.
Product: Mortgage

Requested mortgage modification with my mortgage company The Money Source I've submitted my financials and the request to modify my mortgage. 
My home is in foreclosure and I don't want to lose my home. I was recently laid off from my employer and I'm currently unemployed
Product: Credit reporting or other personal consumer reports

I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have always XXXX XXXX XXXX XXXX. This issue is affecting my credit score. I need this issue fixed.
Product: Credit reporting

I have been Disputing XXXX XXXX credit card both for me and my husband as we both had our own accounts, during XXXX XXXX, our city was wiped out XXXX. called demanded payment said we were late, I have proof of the payments including the late fee 's they charged each of us, i have sent them to the cb, and all i get is investigating, then it says there valid, XXXX sold it to a collection agency i demanded to see proof of what i owe they sent me a copy of mine dated due XXXX/XXXX/11 new balance {$56.00} Balance due XXXX i paid on XX/XX/XXXX XXXX on XXXX and {$15.00} on mine then again they called me barley have power to phone as we had no electric for months said i owed more i was furious for the way we were spoken to and treated so i paid it not having a bill on XX/XX/XXXX {$290.00} on one and {$280.00} on another and demanded they close our cards i will never ever do business with them again, next thing we know there on our credit reports as owing XXXX plus and our credit limits were only XXXX each account, how can i owe something we paid many years ago all over again, and i sent all this evidence to all cbs demanding no more investigations as they are lying, they sent me proof this is what they claim i owe i have proof it was paid, it should be a end to this story and total delete, as the CBs have deleted it off a few times and it comes back on again, from XXXX and the collection agency they sold this too how is this fair to us, what are our rights, I closed both cards on XXXX/XXXX/2011 clearly remember as i said we were all in a fire house the entire community trying to share food and stay warm!!! im sending a sample of dispute but it was sent to all XXXX many times
Product: Checking or savings account

An amount of XXXX was taken from my account which were unauthorized transactions I reported on XX/XX/XXXX They were credited back to my chase bank account On XX/XX/XXXX they were taken back out stating they were correct The companies XXXX  and XXXX stated they had evidence stating were authorized transactions XX/XX/XXXX XXXX ,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXXXXXX All totaling XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatoiy items on my credit histoiy. I then decided to pull my credit and I noticed several unknown items. 08 XXXX XXXX XXXX XXXX XXXX 10 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these fraudulent accounts from my report. Thank you.