23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit report contains multiple accounts that are both inaccurate and fraudulent, as per 15 U.S CODE 1681b. No valid reason existed for anyone to access my credit report, and I never authorized the sharing of my personal information or consumer report with any party. These items are undoubtedly fraudulent. My personal information and consumer report were acquired without my consent and have been utilized to harm my credit report by introducing inaccuracies. These inaccuracies have severely damaged my credit, making it impossible for me to obtain favorable credit terms. I kindly request the removal of incorrect addresses, accounts, and hard inquiries. Your assistance in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to the credit bureau of incorrect spelling of my name to be removed from my credit report. They continually send stall letters. 

I have also sent multiple disputes asking them to remove an address from my credit report that I have NEVER lived at. Again, they either ignore it or send a stall letter. 

I've contacted XXXX, Equifax, and XXXX. They are the ones ignoring my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI. 
I have requested Transunion to remove addresses, phone numbers and employment information that do not pertain to me since XX/XX/2022 and I do not see that they have been removed. 
Please do what is necessary to have those addresses removed from my credit report. thank you. 

Remove address that I don't reside at : XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX, XXXX il XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX il XXXX phone numbers that do not pertain to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employments data : XXXX XXXX XXXX of XXXX XXXX worker traffic clerk
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE NOT MINE : XXXX XXXXXXXX ACCOUNT NO. XXXX BALANCE : {$5800.00} XXXX XXXX ACCOUNT NO. XXXX BALANCE {$24000.00} XXXX XXXX ACCOUNT NO. XXXX BALANCE : {$0.00}
Product: Money transfer, virtual currency, or money service

Im concerned about Zelles failure to address disputes and protect consumers, as revealed by the CFPB lawsuit. Despite reporting issues, my bank and Zelle didnt investigate or recover lost funds, allowing repeat offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

I've found again that my credit report has erroneous information for the second time. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXXXXXX Balance XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDR THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGLEHARDT V GRAVENS ( MO ) XXXX XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT IS MINE. PLEASE REMOVE THESE FRAUDLENT ACCOUNTS FROM MY CREDIT FILE.
Product: Credit reporting

Filed dispute online with all XXXX credit reporting agencies concerning the account from Resolve Partners LLC for {$2200.00} for damages to a house I rented from XXXX in XXXX SC XXXX XXXX to XXXX. I did have to vacate the property before the lease was fulfilled but the house was re-rented immediately. There was no dispute over the rent. The itemized bill they sent to me shows that fact ( see * on attached bill where it shows the amount did not change indicating there was no lapse of tenants ). The dispute is over damages. I caused no such damage as evidenced by a letter of reference written and signed by XXXX in Charge : XXXX XXXX ( see attached letter ). I have a long history of home rental and have never had a problem. There are no other such complaints on my credit files. I have always left the properties I have rented in better condition than I found them. I believe this dispute with XXXX resulted from my physical inability to complete the counter top after the kitchen stove was removed. XXXX recognized that the built-in stove that was there when I rented the house was severely damaged and posed a fire risk. I offered to remove the stove and use my own appliance relieving them, temporarily, of the duty of replacing it for me. I, however, did not agree to leave my stove when I moved. There was no other damage to the house from me. 
XXXX kept my security deposit which more than covers any perceived damages. Now Resolve Partners LLC is attempting to profit from this dispute by damaging my credit. I have written to them via certified mail and they have not responded except to update and reiterate this bogus debt. I have written XXXX as well who have also not responded. The credit reporting agencies ; all XXXX majors, have also not responded to my disputes. 
I believe the bill generated by XXXX XXXX XXXX serves as its own evidence that I do not owe this debt. It shows the inflated charges for petty damages, the unreasonable expectation that I finish out their counter top after the stove install, and the retention of my security deposit even though the house was immediately re-rented. Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party which is not true. I have attached my ID and letters to this complaint for your review. 

Equifax : XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX XXXX : Bankruptcy XXXX  XXXXdischarged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX XXXX : XXXX  XXXX bankruptcy discharged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

Navy federal credit union been a member since 2023 I was low on funds and was charged over draft fees
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through XXXX XXXX breach and several others attached is a copy of my identity theft report with all fraudulent accounts listed Experian fraudulent accounts XXXX XXXX XXXX {$840.00} Account Number : XXXX
Product: Credit reporting or other personal consumer reports

See attached for full details on what I have sent to Equifax recently. Each letter is dealing with a different issue that is incorrect on my consumer credit file.
Product: Credit card

I made a refundable reservation with a hotel using my citi credit card on XXXX XXXX 2024 for a stay from XXXX XXXX XXXX. I have a booking confirmation that states that the reservation can be canceled 2 days prior to arrival by XXXX. I canceled the reservation on XXXX XXXX XXXX within the cancelation period stated on the confirmation email. I have proof of those booking and cancelation emails that outline the terms of cancelation and that I met the requirements for the cancelation. I emailed the hotel company on XX/XX/XXXX to ask about the status of my refund and after not receiving a response 2 days later, I disputed the charge with the credit card company ( Citi ) on XX/XX/XXXX. When filing the dispute, Citi bank did not allow me to add any attachments to provide proof of the dispute. Citi gave the hotel company two months to response, up to XX/XX/XXXX. I received an email from Citi with an update on my dispute stating that the hotel company states the reservation was non-refundable and that they have reserved a conditional credit and have closed the investigation. This is inconsistent with the booking confirmation emails, cancellation emails and any terms outlined to my at purchase of the reservation. I was not provided with any documents that prove the reservation was non-refundable and the letter from Citi states I have one week to respond. I do not understand how they can give a company 2 months to respond, and I only have one week. I have submitted the documents requested to continue my dispute including the emails from the booking confirmation, cancellation confirmation, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Multipl e Inquiry  Removal Letter by certified mail and the dispute was open on   XXXX   XXXX   XXXX    . I disputed  XXXX  inquiries that were being reported inaccurately on my Equifax Credit Report. The dispute was open on   XXXX   XXXX   XXXX   and completed on   XXXX   XXXX   XXXX    . The request I submitted contained  XXXX  hard inquiries that were not factual and I received the same response for all inquiries which read Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA MUST DELETE the disputed information on file. The fact that a response was generated in 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. These inquiries do not belong to me. This is unfair practices by a credit reporting agency ( Equifax ) with no concern for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

I did not provide express written consent or authorize any third-party consumer reporting agency to furnish data on the following accounts, and I have the right to privacy ; please be reminded that no consent is identity theft : XXXX ( XX/XX/year> ) and XXXX XXXX  XXXX XX/XX/year> ). This violates my right to privacy, and lack of consent constitutes identity theft. Please remove this data within four business days pursuant to 15 USC 1681c-2 to avoid further legal action. Thank you for your timely compliance.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Unauthorized Accounts and Inquiries on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the unauthorized addition of several accounts to my credit report by Experian, XXXX, and XXXX. I believe that these actions constitute a violation of my consumer rights under 15 USC 1621, and 1608, as the accounts listed below were added to my credit report without my written consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that all these unauthorized accounts be not only closed but entirely removed from my credit report as they lack my permission or consent and do not pertain to me. Additionally, I would like to request the removal of the following hard and soft inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the violations of my consumer rights. Your assistance in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, an unauthorized XXXX transfer of {$1000.00} was sent from my Bank of America checking account to a XXXX XXXX account of my estranged son. I was notified by BOA as soon as the transfer occurred and I immediately contacted them to say this was an error. Although the transfer showed as pending I was told it could not be stopped. BOA attempted to recover the funds from XXXX XXXX who refused to return the funds. 

XXXX XXXX stated the funds went to the intended recipient. That is not true since I did not intend to send those funds. 

The funds went into an inactive account so the recipient did not receive them and cant return them. 

BOAs On Line and Mobile Banking Security Agreement states that consumers would be protected from fraudulent transfers. While this may not meet the strict definition of fraudulent it is an an unauthorized transfer and I should have been protected.
Product: Debt collection

XXXX XXXX XXXX. According to the law, you and the data furnishers must certify all aspects of required fcrametro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms.
Product: Credit card or prepaid card

i don't recognize this application please get removed from my credit report
Product: Debt collection

I am submitting this complaint pursuant to the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and the Fair Credit Billing. This collection agency has violated my rights as a consumer and have violated the above Federal laws regarding an alleged collection account that they are attempting to collect on.

PHOENIX FINANCIAL SE, is attempting to collect on an alleged medical debt that I have no knowledge of. The original creditor, their client is : XXXX OF XXXX COUNTY, in the amount of {$330.00}. 

I personally have never received any written notice regarding their attempt to collect of this debt and was never given the right as a consumer to dispute this debt. While they might give you a fictitious explanation or a date as to when they sent a notice out to me,,,,, I never received one therefore, prior to putting this damaging information on my credit. Because of their actions I am unable to apply qualify for a loan to feed my family due to this obvious violation of the law.
Product: Money transfer, virtual currency, or money service

On ( XX/XX/XXXX ) I received a text notification from what appeared to be Bank of America notifying me of a {$3500.00} fraudulent XXXX transfer and asking if it was authorized. I replied with " No '' and received a call from Bank of America 's fraud protection number. Where I was unknowingly coerced into transferring {$3500.00}. I was told I was transferring the money back to my account. Later the same day I called the same Bank of America fraud number and I was actually told by an associate that what happened was legitimate and that the money being transferred back into my account was pending. 

I also received another call on ( XX/XX/XXXX ) saying the initial claims code for the {$3500.00} transfer had expired and I needed to go through the steps again, which I did and then unknowingly transferred another {$3500.00}. Thus being scammed out of {$7000.00} total from my checking account through XXXX.
Product: Mortgage

XXXX Hello. In the response the mortgage company did not send me an escrow account activity since XX/XX/2018 to XX/XX/2018. 
Please send me escrow activity for those month. 
Sincerely XXXX XXXX. 
PS- they were my first mortgage company and they are responsible for escrow activity for this period
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent inquiries on my credit report, which I believe were made without my authorization due to identity theft. I recently became aware of these inquiries while reviewing my credit report, and I am requesting their immediate removal to prevent further harm to my credit standing. 

The fraudulent inquiries in question are as follows : XXXX XXXX XXXX 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/year> As these inquiries were made without my consent, they are a violation of the Fair Credit Reporting Act ( FCRA ), and I request that you take the following actions : Remove the listed fraudulent inquiries from my credit report. 
Provide written confirmation of their removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a new car loan with Santander Consumer USA in XXXX of XXXX, initially when I got the loan I tried to do it by myself but ended up needing to have a co-signer so I got a family friend that weve known for long to help me with it so he did. We were able to get the loan on a new XXXX XXXX XXXX and we both appeared on all of the paperwork for the car and the loan. After a few months I tried looking for at my credit report but even though my name was on the loan it just never appeared. I really didnt think much about it since I was just about XXXX at the time but now that Im XXXX I understand the importance of my credit report so I reached out to Santander Consumer USA and asked if I could get copies of all the statements from the car that I received and also if I could possibly know why they decided not to report the car loan that was also on my name when the other person on it was definitely getting the loan on theirs. But the customer service representatives were of absolutely no help with anything and didnt know what I could do. The car has since been sold since XXXX of XXXX a while after I got stationed in Virginia. The reason Id like for the loan to appear on my credit report is because I feel like it would greatly benefit my credit report because that was the earliest loan that I have ever had and I made every payment early or on time for the duration of the loan.
Product: Credit reporting

I came to the XXXX organization with the purpose to purchase a home. When my credit was pulled it showed that Experian is reporting accounts that do not belong to me and other names and places of employment that do not correspond to me. I send a dispute letter to Experian and received a letter asking me to provide documentation of addresses and proof of social security number. I emailed them proof of address, my birth certificate and a letter stating that I did not have social security number. I provided my Form XXXX that has my ITIN number. After 4 attempts they kept sending me the same letter. I am frustrated because after providing a sorts of documentation they do not want to remove the accounts from my credit report. I am seeking your help to resolve this issue. 
Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!