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

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, my personal information has been compromised, resulting in unauthorized accounts and inquiries appearing under my name. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of these items from my credit file.

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

The Legal-Counsel is bringing attention to a fraudulent check cashing incident involving a {$540.00} check issued by the Social Security Administration Treasury at the recipient 's institution. Evidence suggests fraudulent activity, including the improper force crediting of the check. The author urgently requests an investigation, resolution of the matter, and the reimbursement of the amount to the Social Security Administration Treasury. Additionally, the author asserts the rescission of all contracts and negotiations with JP Morgan Chase Bank and Company, citing their alleged failure to act in the best interest of the beneficiary.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX in regards to removing unauthorized hard inquiries from my credit report. These inquiries have negatively affected me from obtaining items, such as credit cards and lines of credit. I did not authorize my credit report to be pulled by the following companies ( the dates are included as well ) : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX   ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX )  XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX 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 ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I have yet to get a response from Equifax about this matter.
Product: Debt collection

Purchase a ring from XXXX XXXX in XXXX XXXX XXXX XXXX, TX they used XXXX to finance. I paid XXXX XXXX {$45.00} biweekly automatic draft thought my XXXX XXXX XXXX account. I explained to Security Credit Service that the account was paid on the 1st call and 2nd call the rep said he would mark as dispute. When I called today to get additional information this person was rude/disrespectful etc. I ask Security Credit Service for the copy of the contract and the original amount. The young lady said that they do not have the original amount or the contract to call XXXX XXXX XXXX XXXX XXXX. She offered me a {$800.00} settlement and I explained to her that I have already paid this account I did not receive a paid in full since they was a automatic draft. This is the ONLY account that I have had with XXXX. 

I Called XXXX XXXX XXXX XXXX XXXX he said that they no longer own the account and did not have a copy of the original contract or amount. He said that Security Credit Service purchase the account to call them for the original documents and the amount. afterwards since I cant get anyone to help me I am filing a complaint.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concers regarding XXXX 's handling of disputes, particularly in lights of the recent CFPB lawsuit highlighting issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claim adequately. CFPB indicates that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX acct # XXXX, XXXX Acct # XXXX, Experian Acct # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX I wish to state that I am a victim of multiple fraudulent events and identity thefts. Beginning with the Equifax breach exposing my driver 's license and social security number on the XXXX XXXX, followed by the theft of my vehicle on XX/XX/XXXX with my cell phone and multiple personal items never recovered ( please see police report ), leading into and throughout the worldwide pandemic, my financial position of strength, with scores in the lower to mid-700 's with each of the 3 main credit bureaus, was systematically destroyed in favor of lenders, collectors, credit bureaus, & other unrecognized predators.

People should not have to lobby for an act of Congress to receive basic financial protections each time they encounter difficulties, whether it is a lost job, being declared unemployable ( due to service-connected military injuries ), a death in the family, or a national or global crisis. Even during non-pandemic times, millions of Americans experience disruptions each year, leaving them to navigate the problematic credit bureaucracy with very few substantive protections.

The problem is that loan servicers, debt collectors, and credit reporting companies work for lenders, not borrowers, so they have little motivation to help. Consumers, like me, are caught we can not escape, unable to choose, or walk away from these companies. 
This statement is only the beginning of my revelation, of how I, a 100 % service-connected XXXX veteran, responsible citizen - has never been protected from the credit ecosystem, the CARES Act, the credit bureaus repeatedly requested to provide evidence and validation of erroneous accounts. 
They have violated my consumer rights and financial stability. I can not purchase a home of my own as I am entitled, through the VA and Department of Defense. Care for me as our financial institutions! The following lenders, collection agencies, thieves, con-artists, and other bullies in the credit game are being, and will continue to be, exposed for all the reasons I have stated thus far, and per my rights under the FTC, FCRA, FCBA, FDCPA, Attorneys General, Veterans Administration, Department of Defense, Local, State and Federal Government and the media ( all accounts except 4 are included on the attached FTC ID Theft Reports. The other 4, are in violation of the CARES Act and continue to report inaccurate data to the credit bureaus, despite constant communication with each ) : 1. XXXX XXXX 2. XXXX  XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX, {$2100.00} 5. XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX, Collection Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , Creditors & Credit Bureaus Reporting in Violation of CARES Act & Terms of Negotiations/Agreements During Worldwide Pandemic 1. XXXX  XXXX  - 2. XXXX XXXX  3. XXXX 4. XXXX XXXX
Product: Debt collection

I reviewed my consumer reports and noticed that i had a debt added to my credit that doesnt belong to me in fact this debt has violated the CFPB LAWS 15 U.S CODE SECTION 1681 A ( 3 ) restrictions on sharing medical debt. 15 u.S CODE 1692 e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. These companies reporting his false debt are also discriminating against me and our hurting my chances to move foward in purchasing a property for me and my children. By law any debt that is not 100 % accurate should be removed and i have requested that on several diffrent occasions!
Product: Mortgage

wells fargo has not satisfied my issues, why was the payment for my fathers home not sent to the house in foreclosure, after he passed I became trustee of his trust I had all authority to have the payments sent to me, instead you sent me a document saying I needed a court representitive to do this but you allowed his girlfriend to change the address to her home, I would like to see her court representive allowing her to do XXXX XXXX was not the original trustee as you claim and ndex filed notice of default with the court before they were named substitute trustee and I have proof. so that would make the forecloser null. you claimed that we were getting help through some program and it seems that it was after the forecloser. and you also claim that you had no corospondence with us in which I have proof that you did, you admitted yourself by showing how we supossedly weree being helped with a loan modification, so you lied about that, this is crazy you need to fix this no more lies
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX, XXXX XXXX, has violated my rights, XXXX U.S.C XXXX Section XXXX 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, credit repair services, or other personal consumer reports

XXXX is showing multiple lates which is incorrect. I was in a modification plan which I paid on time. I requested a copy of the plan multiple times and they would not send to me. They sold my mortgage at the end of XX/XX/2019.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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. 

XXXX XXXX XXXX Unverified Account ( Provide Physical Verification ) XXXX. XXXX XXXXXXXX Unverified Account ( Provide Physical Verification ) XXXX. XXXXXXXX XXXX XXXXXXXX Unverified Account ( Provide Physical Verification ) * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Transunion Credit Bureau by mail about incorrect information being contained in my credit report after having already contacted the creditors to have the information removed and never hearing back from them in over a month. I recently called to check on the status of removing the incorrect items from my report and they communicated they would not remove the items even though they may be incorrect. They have not tried to verify the information on my report and will not contact the creditors on my behalf to have the information removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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. 


1. XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 2. XXXX XXXX XXXX XXXX XXXX My credit report shows that this account is Legally paid in full and it's not reporting with other Bureaus. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Product: Debt collection

This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is fr om  X/XX/  17.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i have reviewed my credit report and i see Equifax is reporting unauthorized inquires. 
The below list of inquires were not made by me and i did not authorize any of the following companies to review my credit file XX/XX/XXXX XXXX XX/XX/XXXX GA XXXX XXXXXXXX XX/XX/XXXX FCC/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

A version of this Complaint was filed on  XX/XX/XXXX  (  XXXX  ). After speaking with a CFPB representative I am refilling the complaint as instructed. The company against whom the complaint is filed  - Bayview Loan Servicing, pr eviously misrepresented to the CFPB that the matter was in litigation. While there is a foreclosure matter pending in litigation, the company against whom this complaint is filed is NOT a party to that litigation and thus it is required to respond to the CFPB complaint. The company has recently confirmed it is not a party to that litigation stating in part : Bayview is not a party to the foreclosure action. See Exhib it 1 hereto, p.3 at paragraph 2.   <P/> Bayview will likely make the false claim that its " counsel '' will review and respond, however the attorney that will likely respond is NOT representing  Bayview or  XXXX  ( th e previous loan servicer ) and is admittedly not  Bayview  's counsel.  <P/> The responding attorney has no actual knowledge of the actions regarding the previous loan servicer which ceased business operations in  XXXX . The attorney is simply paid to say whatever it needs to in order to conceal the fraud outlined in my complaint.. It has proven that in the Exhibit attached hereto as Exhibit  1 w herein matters therein directly contradict other claims the attorney has made.  <P/> Complaint and documentation attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which contains data taken from my credit report which you have provided. 

XXXX. XXXX XXXX XX/XX/22 XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXXXXXX Delete this unconfirmed inquiry lacking certifiable proof evidence, unless physically certified verified proof is demonstrated per U.S Code 15 U.S.C 1681 ET Seq. Section 604 of the fair Credit Reporting act. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes
Product: Student loan

I have reported Navient in the past. This week my student loans ( both Federal and Private ) with Navient have come up due for payment as my deferment/forbearances just expired. They start calling at XXXX XXXX  and continue to call every 30 minutes from different numbers in an auto redial fashion. I am at work at a XXXX and my job can not be interrupted repeatedly every day in this manner. They are not even leaving a voice mail just continuously calling me.
Product: Debt collection

XXXX XXXX XXXX XXXX sold my debt for pennies on the dollar to a 3rd party Portfolio Recovery Associates LLC without my permission a violation of the privacy act sold my name date of birth social security number first one XXXX  XXXX XXXX  ending XXXX XXXX XXXX for {$2300.00} second one XXXX  XXXX nbr ending XXXX XXXX XXXX for {$6000.00} in addition to my privacy act Portfolio Recovery was in violation of the FCRA and within 5 days did not provide verification of debt. 


They have reported to all three credit bureaus that they own the debt as a collection and report that the accounts are seriously past due. a collection by default is past due. Ive attempted 3 times to get this removed from my credit report. most recent through the bureaus dated XX/XX/2022 with a verification of debt letter that was updated in the credit bureaus but no change and no verification sent to me. 
the credit bureaus repeatedly send to Portfolio rather than deleting the record with clear violations of the FCRA I have never done business intentional with Portfolio Recovery Associates LLC
Product: Checking or savings account

I disputed charges by XXXX for the canceled flight, that clearly expanse in their policy, that if the flight is canceled due to the airlines operation, the customer is fully eligible for nay fees, taxes, the actual ticket and any other charges. After my flight was cancelled by XXXX, I contacted the airline about refund but they refused. By the way they have hundreds of complains on XXXX regarding this fraud and activity. I contacted my bank to dispute examining the entire situation, yet they refuse to admit, I am right. What they do is support the illegal activity of the airlines< which is refusing to refund customers for cancelled flight which also by the way I stated as a policy with the Department of the transportation. I am tired of Capital one of this fraud and not completing a full and accurate investigation, rather than assumption. Please investigate since the want to revert my conditional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 : I reviewed my credit report and notice an inquiry that was not recognized or approved by me. 

Im the victim of identity theft and I dont recognize one or more of the accounts on my report from Discover Credit Card. 
I reached out the the copy numerous of times and was told to file a dispute. 
I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report :