23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted valid Identity Theft # XXXX reports back in XXXX. I also submitted letters expressing my issues with the fraudulent accounts. I contacted the creditors and they were unable to validate these accounts. I am requesting validation of these accounts under the FCRA. I requested my signatures from the creditors and they have failed to produce signed documentation. I went to the NJ Police department filed a complaint. I contacted each credit bureau and they have not removed the fraudulent items.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting or other personal consumer reports

CFPB XXXX XXXX Citibank for Unlawful Credit Reporting After Issuing a XXXX Complainant : XXXX XXXX Respondent : Citibank , N.A . 
Case Reference : CFPB Case # XXXX Summary of Violations Citibank has acknowledged that it issued Form XXXX for the tax year XXXX ( sent in XX/XX/XXXX ), confirming that the debt was legally canceled and reported to the IRS as income. Thus, have not received the physical XXXX to report as INCOME on my taxes. Despite this, Citibank continues to report the account as a delinquent charge-off on my credit report. This action is a direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS regulations regarding cancellation of debt. 

Violations & Legal Arguments 1. FCRA Violation Inaccurate Reporting After Debt Cancellation ( 15 U.S.C. 1681s-2 ( b ) ) Citibank is furnishing inaccurate and misleading information to the credit bureaus by continuing to report the account as an outstanding charge-off.

A 1099-C designates the debt as canceled income, meaning it can no longer be reported as a liability on my credit profile. 
Credit reporting agencies are required to maintain accurate information under 15 U.S.C. 1681e ( b ). By refusing to delete the tradeline, Citibank is contributing to defamation of credit and causing financial harm.

2. IRS Violation Fraudulent Debt Reporting After 1099-C Issuance Under IRS Publication 4681 & 26 U.S.C. 6050P, once a creditor issues a 1099-C, they have written off the debt and forfeited their right to collect or report it as outstanding. 
Reporting a canceled debt as due is considered a form of double taxation and fraud because the debtor is already required to claim it as income on their tax return. 
I have filed IRS Form XXXX to report this potential tax fraud. 

3. FDCPA Violation Unfair & Deceptive Practices ( 15 U.S.C. 1692e & 1692f ) By falsely reporting the account as due after it was canceled, Citibank is engaging in false, deceptive, and unfair practices.

FDCPA 1692e ( 8 ) prohibits creditors from misrepresenting the legal status of a debt.

FDCPA 1692f ( 1 ) states that it is unlawful to attempt to collect an amount not permitted by law.

4. Arbitration Clause & Breach of Contract Citibanks response references mandatory arbitration under their Cardholder Agreement.

By failing to initiate arbitration before litigation or collections, Citibank has waived their right to arbitration and violated their own contract terms. 
I demand immediate arbitration under the American Arbitration Association ( AAA ) and will be filing for damages related to unlawful credit reporting. 

Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I have called XXXX  times in the past week to reopen my XXXX XXXX credit card account!! Someone keeps closing my account and a supervisor opens it every time I call in! Im frustrated!! I was frustrated with them and threatened to close it, but did not! They need to listen to phone calls to see who is doing it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get inquiries that I do not recognize off of my report from Equifax. I have repeatedly called and filed disputes to no avail. They have told me that it is factual data. Factual data or not I didnt make these inquiries. I have been the victim of 19 data breaches that I can verify.
Product: Student loan

I have my loans taken over by Mohela from XXXX. Suddenly my interest amount is way lower and the principal has gone through the roof. 
Many months ago I had asked them to send me all my payments, etc. They said they had to file for a request. This took several months and my calling more than once. Once the information was mailed it was very much incomplete. 
You can not get normal help on the phone with Mohela anymore. 
This can not be legal ; suddenly increasing my principle and decreasing interest. Please let me know what to do. I have no idea how to seek help. 
I hope I filled this form correctly... I wasn't sure which section to select.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act Public law 91-506 Title VI Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Sensitive information compromised in Equifax hack.
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within XXXX  days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. XXXX and XXXX have since removed this account. I am including a list of my disputed items that do not report this requirement along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Request for Removal of Unauthorized Inquiries under Section 605B of the FCRA Dear Transunion, XXXX XXXX and XXXX I am writing to request the removal of several unauthorized inquiries from my credit report, as I believe these inquiries are the result of identity theft. This request is made under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ). I have recently reviewed my credit report and found inquiries that I did not authorize. I have never initiated business with these entities nor have I given my consent for these credit checks. 

The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Enclosed, please find a copy of my FTC identity theft report and proof of my identity ( such as a copy of a government-issued ID ). Under Section 605B of the FCRA, I request that these inquiries be removed from my credit report as soon as possible.

I also request that you send me a written confirmation of the removal of these inquiries and notify me if any of these inquiries are subsequently re-added to my credit report.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was a victim of identity theft and have several accounts compromised, including my Barclays US credit card. There were a series of fraudulent purchased made using my card through my XXXX XXXX  account on the evening of XX/XX/2021 : XXXX XXXX {$20.00} XXXX XXXX {$7.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$7.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} I immediately contacted the creditor to freeze my account and report the fraud, which they assured me I wouldn't be charged for, but after investigating the charges, they deemed them as valid. I also contacted XXXX to dispute the charges, but they also deemed them as valid purchases. I don't even know what XXXX XXXX is! I also had my personal and a joint checking account compromised and another credit card, who deemed the charges as fraudulent. I contacted Barclays US after they deemed the fraudulent activity as valid, but they were unwilling to re-evaluate and told me to contact XXXX. I disputed the charges through XXXX, but they also deemed as valid and told me to contact the creditor.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$4600.00}, credit account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$580.00}, a credit account opened at XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$3200.00}, and a Auto loan opened at XXXX  on XX/XX/XXXX under account number XXXX with a balance of {$7000.00}, credit account opened at XXXX on XX/XX/XXXX under account number XXXX with a balance of {$2500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
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. 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 was imperative and that tracking these transactions was unfeasible. The CFPBs 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 scammers. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

Several negative items on the report either from erroneous data or reporting of debt beyond the statues of limitation. Some debt also is not me or is not 100 % accurate. According to the section 609 of the Fair Credit Reporting Act and the Fair Collection Act there are negative items that shouldnt be reporting. I also asked for the company to show me proof of my last day of activity to verify the debt and the company was unable to show proof because they do not go beyond the statue of limitation as a company policy however the debt still hasnt been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I was involved in a rollover accident as the driver. The vehicle was registered to my husband and I had co-signed on this car loan. We both are seniors and XXXX persons. XXXX is a XXXX yr. old XXXX veteran ( husband ). There was loss of property and I was the only person involved hurt. The insurance company ( XXXX ) spoke with XXXX about this claim. He was informed that the vehicle was totaled and would be paid off. Even though Honda Finance was contacted XX/XX/18 by XXXX and provided payoff information ; we both have been reported late to credit agencies. There was never a late payment on this account before this accident. However, a Honda Financial supervisor later told me there was a legal obligation to report this vehicle payment as late. Despite admitting  knowledge that the insurance was paying the debt off, the severity of this accident and impeccable credit history. During this period I was involved with a mortgage lender and was informed by them of this late payment on my report. I have yet to receive anything from the lender ( Honda ) regarding reporting this matter. I did receive a letter dated XX/XX/18 stating the vehicle was paid off. The fair reporting should reflect our true history, not errors of insurance companies or misinformation provided by these company 's. It appears extremely subjective when my lender informs me, he has seen this type of payoff debt removed for other clients.
Product: Checking or savings account

Had four items presented as pending. Made a XXXX deposit. Per Reg CC deposits post before debits. 

All items were paid and I was charged XXXXX4 in NSF Fees. I was not overdrawn. I have pictures of my bank balances in real time the day of the activity and the day after.
Product: Debt collection

My recent credit report includes accounts that I do not recall authorizing, and I believe they are incorrect. Please remove them at once.
Product: Credit card or prepaid card

Capital One promised me a 0 % promotional interest if I paid off my card by XX/XX/2019. I paid off my balance well before this date. I got charged over {$41.00} dollars for interest on a {$0.00} balance. I just spent an hour on the phone arguing with someone about this. They would not reverse the charges. As you can see on the statement, the balance was paid in full, yet I was still charged interest.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to XXXX XXXX  Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  days 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 XXXX  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 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! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that do not accurately reflect my financial situation. This erroneous information is negatively impacting my credit score and limiting my ability to obtain credit. 

I have already disputed these accounts with each credit Bureau but have not received a satisfactory resolution. I am now seeking the CFPB 's assistance to re-investigate these inaccuracies and ensure they are removed from my credit report. 

Below is a list of the of inaccurate accounts I am asking you to re-investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received a current credit report from your organization. After reviewing the different records, it's clear that the following accounts appear with no regard for accuracy as needed by the Fair Credit Reporting Act.
Product: Debt collection

I am working with a debt resolution program and have told them this. They lied and said they do not work with this company, which is false. They have also started contacting my husband who was never on the accounts. This happened XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX You are in Direct Violation of the Fair Credit Report ( XXXX account # XXXX ), has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency XXXX  furnish an 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. 

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card

In XXXX, a credit card Amazon store card from AmazonXXXX has been contracted without my consent and on my name. I dont know who or how, but l didnt ask that card. At that time l had never used a credit card because its not in my culture to use it, and because l didnt need any. I always use my debit card - especially to avoid this kind of problems. The same year, for some reason that credit card was used to pay my Amazon XXXX XXXX. Which was an error because l always pay with my debit card ( and l can prove it ). I was living in a different address at that time, and l moved a couple of months later still without being aware yet of all that. In about XXXX, l start receiving Synchrony bank letters saying l owe them money for a credit card. I thought as my husband, that those letters were scams and not legit. I never heard about Synchrony bank before, l didnt know this company and what are they doing. So, it sounded not legit to us. So we ignored it for a year until l receive debt collection letters. And there too l thought they were scams! There was no reason for me to owe any debt. I have never had any debt in my life, even in XXXX my home country. So, when l figured this collection was serious ( and l found out when l checked for the first time my Credit Score because we had the project to buy a house ), l have started disputing it. So, here l am. l now owe about {$500.00} just because bank and Amazon look like they made an unclear business offers for credit card to customers and contracted one that l have never needed and asked. I have never signed any contract and consent to get that AmazonStore credit card. 

The documents attached will show my good faith by indicating that l always pay my XXXX XXXX with my debit card. Only the payment in XXXX was made by the credit card by mistake. Again, I have never needed and asked this card.m and no idea how it was used for that payment.
Product: Credit reporting or other personal consumer reports

last year i settled the XXXX XXXX  XXXX accounts that had delinquent balances that appeared under my social. However there is a third - balance is {$260.00} that no one has record of but it continues to report derogatory. I am unsure what to do at this point but it's not mine and this needs to be removed
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach located in dispute letter