23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was emailed on XX/XX/XXXX by a ( XXXX ) who claimed to be interested in buying a painting from me ( I am a painter ). I told her the price ( {$1100.00} ) but she sent me an overpayment of ( {$4100.00} ) in the form of a check with the excess {$3000.00} to pay her 'shipper. ' I deposited the check, which cleared after one business day. I then paid her 'shipper ' the ( {$3000.00} ) using Zelle XXXX After paying her shipper, the check which has already cleared was then withdrawn from my account ( XX/XX/XXXX ). I lost all of my money by this scammer. A total of a {$3000.00} loss. 

XXXX can not refund the Zelle transactions as I authorized them myself. 

Zelle can not assist me because I use their service through the chase mobile app. 
XXXX does not insure the deposited check because it was a credit to my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of human trafficking through debt bondage. This situation falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I kindly ask you to block this information from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. 

Please take action to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

DEAR XXXX AND TRANSUNION ; CFPB ; I was in the process of shopping for a car last month, as I pulled my credit I noticed that you charge off these accounts below on my credit report and never sent me the proper documents requested. 
Please validate as I do not recognize any of this Charge-Off accounts below, plus these charge off should not have any late payments associated with them after the accounts were charge off and closed out. These are inaccurate, incomplete and in violation of my rights, and some are too OLD to be reported on my consumer credit.

Please supply the information that make these accounts valid, and you have 15 days to verify and validate those accounts. Therefore, I request that you immediately DELETE these accounts shown above from my credit report, and please send me detail notification of correction once completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed accounts through a bankruptcy which the amount still appears on the report as well as the name of the creditor. I have asked several times sent certified mail asking for removal. Transunion states they do not have information for contacting me yet they sent credit freeze information to the address. I also stated that they are all obligations of the United States and they are committing identity theft as well. I gave them the following code : TITLE 18CRIMES AND CRIMINAL PROCEDURE This title was enacted by act XX/XX/1948, ch. 645, 1, 62 Stat. 683 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 
XXXX XX/XX/1948, ch. 645, 62 Stat. 685. ) Transunion still kept the accounts open and lowered my score as well. I will be filing a police report as well. I also did not give permission to have my information displayed or shared with them or any other 3rd party creditor. They have violated permissible purposes Title 15 1681b and 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ;. Transunion never validated the debt. I want Transunion to remove the debt and increase my credit score within the next 5 days or I will pursue Civil Liability. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler ( Seterus ). I have been trying for 4 years to get Seterus to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and eac h one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted Seterus to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and  XXXX  has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held hostage by this company. Attorneys want to much money and NO ONE cares, within the government or their agencies, that there is fraudulent info on my acct.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a agreement with the salesman at XXXX XXXX that I would purchase a item conditional on my local XXXX  dealer handling the sale and getting the commission from that item. less than 12 hours later I learned that the salesman was going to keep the commission and denied having said anything along those lines. He refused to supply the recording and stated it would be a XXXX fee to cancel. The original charge was XXXX. I contacted Goldman Sachs via phone on the XXXX less than 12 hours from the original charge and contested the entire amount based on failure to fulfill the oral agreement. 

Godman Sachs started a contested charge freezing the funds and charges at that time. 
They than posted a refund of XXXX on XX/XX/XXXX and I again contacted them and contested the remaining amount. I believed the XXXX in total was resolved in XXXX when I completely paid of all balances and had a balance of XXXX. 

Late XXXX and early XX/XX/XXXX I used the card for a additional XXXX in charges and than on XX/XX/XXXX Goldman Sachs recharged my card under the title provisional adjustment reversal and recharged my card XXXX and a XXXX claiming that they had to clear their books! 

XXXX XXXX I spoke with them 3 times and multiple individuals and 3 supervisors agreed that the charges were confusing. I asked for a complete audit of the account to rectify the problem and was notified that they would not do any audit even though they had admitted discrepancies. 

I I immediately payed of all charges that had been accrued over the last 30 days leaving the reversed charges from XX/XX/XXXX totaling XXXX unpaid. Told them I would be reporting them and to freeze the account and allow no further charges They all admit when reviewing my account that the charges were a reversal of the chargeback showing as a specific negative but after they would call the higher supervisor would simply hang up on me or leave me on hold for up to a hour on 3 separate phone conversations. 

The original charge was disputed with 12 hours after the seller broke the contract. I never received any extra credit during the reviews by Goldman Sachs the credit was simply frozen. I will never receive any product or monetary gain from the cancelled purchase They claim I now owe them the XXXX for the original charge and have obscured the charge into the definition of credit reversal. I never received any credit or monetary funds beyond the frozen charge. yet they continually play smoke and mirrors that a tentative credit on a charge that I can't use and accrues no interest and than charge it back. 

They are committing fraud and refuse to even audit the situation because they know that it is fraud and theft, and usury. They have failed in the Good Faith aspect to protect me and actually have redone their numbers and say they gave me money to be used when the charge was contested. Which is not true and a audit would show it, yet they refuse. 

Help XXXX XXXX
Product: Debt collection

Credit collection service tried to collect debt impersonating XXXX. It is illegal for a credit collection company to buy debt and that voids my original contract with XXXX. So Id like to get it removed asap from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the XXXX XXXX account ( ending in XXXX ) on my credit report. After carefully reviewing this entry, I have identified several inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. 
Issues with the XXXX XXXX Account Reporting 1. Dual Classification of Charge-Off and Collection : o The account alternates between being listed as a " Charge-Off ( CO ) '' and a " Collection ( COL ) '' in the payment history. 
o These statuses are mutually exclusive. An account can not simultaneously be a charge-off and a collection. This inconsistency creates confusion and misrepresents the true status of the account. 
2. Balance Discrepancy : o The original balance is reported as {$1800.00}, but the current balance is {$2000.00}, with no explanation provided for the additional {$200.00}. 
o I request a breakdown of this balance, including any fees, penalties, or interest, and clarification of whether these additions are authorized by the original credit agreement. 
3. Missing Data in Payment History : o Several months in the payment history are marked as " ND '' ( No Data ), making it impossible to verify the accuracy of the account 's progression. 
o Example : XX/XX/year> and other months lack complete payment data. 
4. Charge-Off and Past Due Amount Discrepancy : o The account is reported as having a charge-off amount of {$610.00}, but the past-due balance is listed as {$2000.00}. 
o There is no clear reconciliation of these figures, raising questions about their accuracy. 
5. Failure to Resolve Prior Dispute : o The comment section states : " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' o Despite this acknowledgment, the inaccuracies outlined above remain unresolved, and no documentation or clarification has been provided to substantiate the reported information.
Product: Payday loan, title loan, or personal loan

On today I received an Alert from Equifax Credit Reporting that there was several hard Inquiries on my Credit Report attempts from XXXX XXXX Bank. I have never applied for an Open line of credit from XXXX XXXX. I have a Bank I have being dealing with since 2004, and my line of Credit is open with my Personal Bank. I do not know who tried to open up a line of Credit in my name, but it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

3. The inquiry was not authorized XXXXA Date of inquiry : XX/XX/2021 Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number : XXXX Delete this account.
Product: Mortgage

XX/XX/XXXX, I submitted a formal request asking that my mortgage company remove my Private Mortgage Insurance ( PMI ). I was told that this was not possible and I needed to pay the loan so that my loan to value ratio was at least at 80 %. Another solution was, since my loan was at 82 % loan to value ratio, they suggested that I get an appraisal ( {$500.00} ). I followed the instructions of paying additional money on the loan. In XX/XX/XXXX, I had a loan to value ratio of 75 %. I submitted my request again. Now they are telling me that are denying my request and I absolutely have to get an appraisal in order to remove PMI. This has been a disaster from the start. I got incorrect information from the loan officer who works for the company. I was told that once my loan to value ratio hit 78 %, the lender was required to remove my PMI. Now at 75 %, I am being told my other officials at First home mortgage that the only way for me to remove PMI is to pay for an expensive appraisal. I honestly believe that these individuals are preying on me because I am a first time home buyer and regardless as to how many classes I took prior to my purchase there are things that I just didn't know. I would really like help getting correct information on removing my PMI since I have shown " EXCELLENT '' payment history, etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/2025 Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Bankruptcy Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy filings, must be removed from a credit report after a specific period of time. The presence of an outdated or inaccurately reported bankruptcy entry violates my rights under federal law. 

The bankruptcy in question has either surpassed the legally allowed reporting period or is inaccurately reported. I request that you investigate and, if necessary, remove this bankruptcy entry from my credit report to comply with the provisions of 15 U.S.C. 1681c ( a ).

Under this section of the FCRA, consumer reporting agencies are prohibited from reporting bankruptcy cases that are older than : 10 years from the date of filing for XXXX XXXX XXXX.

7 years from the date of discharge for XXXX XXXX XXXX.

The presence of this bankruptcy on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases under XXXX XXXX must be removed from the credit report after 10 years from the date of filing. 
Bankruptcy cases under XXXX XXXX  must be removed after 7 years from the date of discharge. 
Other adverse information, such as charge-offs and collections, must generally be removed after 7 years from the date of the original delinquency. 
The law ensures that outdated and damaging information does not remain on a consumer 's credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and am requesting that the following accounts be blocked and deleted from my credit report as required by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Accounts to Be Blocked and Deleted : XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00} XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00}
Product: Credit reporting or other personal consumer reports

I have experienced instances where previously disputed and deleted information reappears in my credit report, which is misleading and harmful. I urge you to implement necessary measures to prevent this from occurring. 

Lack of Clear Communication : The notices I have received regarding the results of my disputes have been confusing and unclear. I request clear and detailed communication regarding the outcomes of any investigations related to my credit report. 

I am requesting that you investigate the inaccuracies stated in my credit report, and provide a detailed written response regarding the findings of your investigation. Additionally, please ensure that all relevant information about my disputes is accurately conveyed to the original furnishers.
Product: Checking or savings account

I was incarcerated from XX/XX/year> until XX/XX/year> on XXXX XXXX I wrote to Wells Fargo requesting a freeze on checking account XXXX until I come in person. Then as a follow up to the letter, on XX/XX/XXXX I had my buddy ( XXXX XXXX ) who was in XXXX XXXX do a three way with his mother to Wells Fargo to make sure that my account was frozen as I requested in my letter to Wells Fargo dated XX/XX/year>. Subsequently Wells Fargo for whatever reason did not freez my account because my balance should of been {$3700.00} direct deposited from department of treasury instead it was negative XXXX XXXX dollars I was surprised to find this out and upset. At this point I asked them on a recorded line to freeze account XXXX including debit card including online and including checks until I come into the bank with my drivers license / ID in person to un freeze my account. XX/XX/XXXX I was XXXX XXXX XXXX to the VA XXXX XXXX XXXX when I arrived first chance I had I checked and my balance should of been {$7100.00} in stead it was only {$5.00} Wells Fargo failed to do what they said they would do during my phone call with them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # : XXXX has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( 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 request these accounts be deleted off my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I enrolled with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Soon after enrolling, I developed a health problem that prevented me from working out at the gym. I called XXXX asking them to cancel my membership. I was told they could only cancel my membership if I showed up in person. I told them it was not possible because I was ill. 

They continued taking membership fees from my account following my request to terminate the membership. I asked my bank to block them from taking money from my account. XXXX continued billing me. 

I never once showed up at their gym. They eventually canceled the account and sent the account to collections. Aldous & Associates , PLLC, the collections company, posted the account to my credit history claiming I had an outstanding balance of {$160.00}. They have since refused to remove it. I don't owe XXXX anything. This is fraud. I would like to delete this from my account. This is on my credit report only because Because of this account, I have failed to secure a student loan. 

Sincerely, XXXX XXXX