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

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX  - XXXX - The Equifax data breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX  - XXXX - The Equifax data breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX XXXX XXXX XXXX  - XXXX - The Equifax XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXX XXXX  XXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
Product: Money transfer, virtual currency, or money service

Fraudulence due to cash app not following protocols and inability to reach out to customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up payments in my XXXX  app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said Ally keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with Ally and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. As well Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. 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

Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report XXXX My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 


Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 in to be removed.

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 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX PROVIDED PRIVET INFORMATION TO A THIRD PARTY WITH DOCUMENTS UNSECURED. THE DOCUMENTS ALSO ARE INACCURATE AND LAW FIRM OF HAMMERMANN & HULTGREN P.C. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX IS TRYING TO COLLECT A DEBT THAT A LENDER IS COLLECTING UPON AT THE SAME TIME. PRIVACY INFRMATION WAS MADE PUBLIC WITH NO COURT RULING AND TRYING TO OBTAIN INACCURATE DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried disputing a credit line that I did NOT open. I also have not ever had a history of using credit cards and someone managed to open a credit card and max it out completely in my name. 

My credit score completely bombed and it is now at the lowest its ever been. 

Upon trying to dispute and rectify this issue, the investigation only took a measly 2 days before results came back, suggesting they didn't investigate it as thoroughly as they should.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile I noticed inquiries I do not recognize. I will like these inquiries removed immediately off of my report.
Product: Credit reporting or other personal consumer reports

A charge off is a consider a certificate of indebtness which means it is income and needs to be removed off my consumer report. XXXX auto loan is showing as a charge off on my consumer report and is effecting my business and livelihood to take care of my family. Also another company showing on my report as a charge off is a company stated as XXXX XXXX XXXX for XXXX $ and the other charge off is XXXX for XXXX
Product: Payday loan, title loan, or personal loan

Saw this online and thought would apply. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, at the time the loan was taken out my address was XXXX XXXX XXXX XXXX XXXX XXXX My address now is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX mY phone number now is XXXX XXXX XXXXXXXX it has been years so I don't have any other information against Wells Fargo. Who I am applying for. We also had a mortgage with them i THINK. It just has been so long, I don't remember all of the details. I hope you can help me with this. thank you.
Product: Payday loan, title loan, or personal loan

CashNetUSA charges a 459 % ( Four hundred and fifty nine per cent ) interest in personal loan which I believe it is USURY. ( Maybe not in America where everything is permitted by the corrupted Congress ).
Product: Credit card or prepaid card

I had a reoccurring charge with XXXX. I lost my credit card and Comenity bank issued me a new card with a new number in XX/XX/XXXX. On XX/XX/XXXX I was charged $ XXXX> I did not give my new number to XX/XX/XXXX but Comenity bank did> I did not give them permission to give my number to anyone. They told me it is their policy to give my number to companies that I have reoccurring charges. I don '' t think they should have the right to give my credit card number to anyone without my permission regardless of previous transactions. I thought the credit card companies were supposed to protect me not the venders.
Product: Credit reporting or other personal consumer reports

I am writing to request that you remove these fraudulent accounts and inaccurate information from my credit reports at your earliest convenience. I gave no authorization for these fraudulent accounts and innaccurate information to exist. It recently came to my attention that these fraudulent accounts and inaccurate information are currently reporting on my credit reports. I also want to include fraudulent inquiries from my XXXX credit report that I did not authorize to exist. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon further investigation, I can conclude that I am a victim of Identity Theft. My rights under the Fair Credit Reporting Act ( FCRA ) laws are being violated. According to the Fair Credit Reporting Act ( FCRA ) and ( 605B ) 15 U.S.C. 1681c-2 laws, and other Fair Credit Reporting Act laws that are relevant to this matter, these fraudulent accounts and information that I have truthfully identified in this affidavit must be removed and deleted from my credit reports immediately. Please provide me with written confirmation that these fraudulent accounts and inaccurate information have been removed.
Product: Credit reporting or other personal consumer reports

Attention : Honorable XXXX XXXX From : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Your office know me personally and Ive fought to bring attention to how your personnel have refused to do due diligence with XXXX Consumers, but this round I will work with my US Senator & US Congressman to assure your personnel are doing their job as a Federal Agency. 
Factual Data denied the Release of my Soft Pull Tri-merge Credit Report, I faxed a Request for the Release of my Tri-merge Credit Report with all, all 3 Credit Scores from each Repositories that supposedly was submitted to XXXX XXXX  on XX/XX/2024, I spoke with a XXXX XXXX, mgr with XXXX XXXX  about this Discriminatory Threat by Factual Data by only submitting to XXXX XXXX only 2 of 3 of my 3 Credit Reports for which a Criminal Supremacy act. My XXXX Report XXXX, my XXXX XXXX and my XXXX Report was XXXX, the reason these Criminals at Factual Data submitted such criminal acts were to have me paying a higher interest rate and a higher Discount Points, pretty XXXX  XXXX criminal acts and intentions, but I Fight Back against XXXX Consumer Criminal injustices and threats to the XXXX Consumer like myself as well and a XXXX Veteran! Factual Data and its employees are very familiar with me personally and very knowledgeable of my XXXX XXXX as a XXXX Consumer and Factual Data is attempting to suppress my Credit Report, but Im well aware of my Rights under USC 15, and Im looking for a Consumer Protection attorney to go after these tugs these White collar criminals. See attachment of my Factual Data Report Request form that I faxed to these blatant Criminals!
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite our previous correspondences and the efforts made thus far, it appears that the fraudulent items remain unresolved. 

As I have communicated previously, these fraudulent entries are causing significant distress and negatively impacting my financial standing. It is imperative that we take immediate action to rectify this situation and remove these inaccuracies from my credit report. 

I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I urge you to escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX I thought I was sending a wire to my closing attorney to purchase land in SC. I wired {$61000.00} to an account with the name of XXXX XXXX XXXX XXXX. Bank  : CitiBank. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Routing # XXXX. Account Number : XXXX My closing was on XXXX and this is when my real estate agent, myself, and the closing attorney discovered that all our emails had been hijacked, documents stolen and wire instructions were replaced to have me send this money to a completely different account. I immediately called XXXX and told them what was going on, as this is where the money came out of. They put in a wire transfer stop that afternoon. I filled out a FBI report as well as reported it to my local police department. 

Since then, XXXX put in another request at the end of XXXX. I am not positive on the exact date, maybe the XXXX. They told me they did this because they had not heard back from CitiBank. I have called into CitiBank a couple of times and they refuse to talk to me with the reasoning that I am not the account holder, even though I am talking to their fraud department. They have told me that they will only speak to my bank, yet they have yet to respond to my bank. 

Over a month later, I am going in circles and don't even have the simple answer of was that money still in the account. How was that account even set up under a name that was certainly not the person they said they were? Feels like CitiBank is protecting criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, Transunion & XXXX : Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding fraudulent items associated with my account. Despite my previous attempts to address this issue, it regrettably persists. 

I initially reported this matter and despite your team 's efforts, the fraudulent items remain unresolved. This situation is causing me significant distress, and the lack of a resolution is impacting my trust in your services. 

I kindly request the following actions be taken urgently : Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. 

Provide me with a detailed update on the ongoing investigation into the origins and nature of the fraudulent activities, including any new findings since my initial complaint. 

Enhance communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to avoid any future unauthorized access or activities. 

I understand the complexities involved in addressing such matters, but I emphasize the importance of a swift and effective resolution to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX. XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports, I noticed late payments reporting inaccurately on an account I have not made any late payments to. It is imperative that reporting agencies report accurate information. I am requesting an investigation and evidence of any late payments to the following account : XXXX XXXX XXXX XXXX XXXX ]. If you are unable to provide evidence of a late payment I would like it to be updated to reflect is true status as paid on time/never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO PROPERLY VERIFY 100 % ACCURACY OF COLLECTIONS. UNVERIFIED ALLEGED ACCOUNTS PLACED IN CREDIT FILE. 

ACCOUNT # XXXX XXXX  {$1000.00} COLLECTION ACCOUNT # XXXX XXXX XXXX {$130.00} COLLECTION
Product: Checking or savings account

My bank account at Wells Fargo was hacked 3 months ago and {$1300.00} was stolen. I immediately called the bank told them this was fraud and they gave me a new card and disputed the charges. 91 days later on XX/XX/2020 Wells Fargo took the {$1300.00} back out of my account saying they didnt believe it was fraud because the money taken out was associated with a XXXX account with my name on it. I dont have a XXXX  account so that evidence can not legitimate and they refuse to look at evidence that these charges were not me
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus are reporting bankruptcy on my credit report without any proof that it belongs to me. i ask for verification and they refuse to provide any.
Product: Mortgage

IN ORDER TO CLOSE ON MY NEW VA LOAN I NEED MY PAYOFF FROM CURRENT LENDER. I HAVE TRIED FOR SEVERAL WKS TO OBTAIN MY PAYOFF. HOWEVER, THE LENDER CONTINUES TO SAY I WILL RECEIVE TOMORROW BUT TOMORROW NEVER COMES. WE NEED THE PAYOFF OR THE % RATE LOCK WILL EXPIRE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax through certified mail for verification of this account furnished by XXXX XXXX account number XXXX furnished on Equifax. After making the dispute the account name and number was then furnish as XXXX with account number XXXX. This account was also being shown as a Collection and after making a complaint through XXXX XXXX. The account was changed from a Collection to an incomplete field. XXXX says Collection/Charge Off, XXXX says XXXX XXXX. With a different account number. The account also says the last payment was on XX/XX/2020. This account has yet to be verified. A person I dont know sending me what looks like a photoshopped XXXX XXXX XXXXtatement with the charges of about XXXX and saying I owe them XXXX is not verification of anything. What is the entire account history? What was the credit Limit? What is the payment amount? How was the interest accrued? Does the account have arbitration? Is this account Identity Theft? A consumer is entitled to a complete and accurate consumer report. This type of credit reporting is a violation of my rights and should be deleted immediately. Im not asking you for verification of my name and mailing address. I have this very XXXX XXXX credit card you claim I owe money on. So if the story Equifax, XXXX, XXXX is telling by way of XXXX XXXX is true then this is a debt that has been re-aged. Which Agency is correct? It has never been verified and is not complete or accurate. Please Delete.
Product: Credit reporting

Paid Vendors of all the credit bureau Agency 's have reported negative information without proper verification. I have disputed accounts listed and requested to have the verification/affidavit of the person who has verified as accurate and I have been denied the information.