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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXXXXXX - XXXX, XXXX  - 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, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 60 days!!! When I call to check on each respected document with each bureau ; I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the account I have never agree, signed or authorized to open an account or even to inquire debt with the creator. The account is fraudulent or reported incorrectly on my credit report. I have file a Identity theft and attached it. Please investigate and once is confirm that the transaction is not mine, remove it from my credit report. 
XXXXl XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : XXXX is reporting incorrect information under my public file I have never filed bankruptcy the public information does not match my full name
Product: Debt collection

On XX/X/2017 at approximately XXXX EST, a female representative attempted to collect on a debt for someone else with a similar ( but not exact ) spelling name in the amount of {$74.00} for " XXXX '' XXXX XXXX. I explained I never heard of the creditor/individual. 

What was most disconcerting is HOW she went about the call. She asked to speak with me, would not clarify the name of the company or the nature of the call until I verified PII including my mailing address. She deceptively stated that she could not do this due to HIPAA law, which is obviously medical-related. This appears to be normal business practice for this collection agency and likely a violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i received my credit report I noticed some inaccurate information and there is no information provided so how do they verify.
Product: Credit reporting

I PREVIOUSLY DISPUTED TRANSUNIONS DELETING XXXX CLOSED POSITIVE ACCOUNTS .UNDER THE FCRA THEIR ACTIONS ARE SUPPOSED TO BE REASONABLE RESULTS OF INVESTIGATIONS.IT IS NOT REASONABLE THAT I WOULD BE DISPUTING MY CLOSED PODITIVE ACCOUNTS.I CAN NOT CONTACT THOSE CREDITORS BECAUSE THEY WERE DISCHARGED IN THE BANKRUPTCY AND THEY DO NOT REPORT ON THE CLOSED ACCOUNTS, BUT THEY HAVE NO PROBLEM REPORTING ON THE NEGATIVE ONES.I SPOKE TO SOMEONE AT EXPERIAN AND SHE TOLD ME SHE DELETED THE ACCOUNTS BECAUSE THEY ALL HAD THE SAME ACCOUNT NUMBERS AND SHE DID NOT KNOW WHICH ONE WAS IN DISPUTE SO SHE ASKED THE CREDITOR DAYMET CREDIT UNION AND THEY SAID TO DELETE XXXX ACCOUNTS BEFORE THEIR EXPIRATION DATE.I ALSO DID NOT DISPUTE MY CBNA ACCOUNT BUT THEY DELETED IT ANY WAY.I AGAIN DISPUTE THAT IT IS AN UNREASONABLE ACTION FOR THEM TO DELETE CLOSED POSITIVE INFORMATION.UNDER THE FCRA I AM ENTITLED TO A FAIR AND ACCURATE REPORT.HOW CAN IT BE ACCURATE IF THEY DELETE INFORMATION FROM IT.I HAVE DISPUTED BEFORE AND DAYMET IS IN VIOLATION BECAUSE THEY HAD 5 DAYS TO INFORM ME OF THE DISPUTE AND I NEVER RECEIVED ANYTHING FROM THEM.THEY WANT TO HIDE BEHIND MY BANKRUPTCY DISCHARGE BUT IGNORE IT WHEN DELETING MY ACCOUNTS AND REPORTING LATE PAYMENTS DURING A CHAPTER XXXX.I HAVE DISPUTED WITH BOTH ENTITIES AND THEY HAVE VERIFIED INACCURATE INFORMATION. THEY DELETED THE FOLLOWING ACCOUNTS ENDING WITH XXXX, BEGINNING WITH XXXX, NO ACCOUNT NUMBER BUT A LINE OF CREDIT WITHA STATUS DATE OF XX/XX/XXXX.ALL POSITIVE ACCOUNTS BEFORE THE 10 YEAR REPORTING DATE.
Product: Debt collection

I sent out a debt validation letter back in XX/XX/year>. Havent received anything but yet they still report to the credit bureau tarnishing my credit.
Product: Debt collection

Case was dismissed in court. I, the plaintiff, filed against defendant, XXXX. After case was dismissed, ( attached ), XXXX retaliated by submitted a fake and false bill to wards me of {$6700.00}. There was/is no merit or validity to these made up charges and fees. XXXX had the chance in court to address any other issues and did not. In XX/XX/2018 I submitted home inspection which shows house was in complete disarray with damages. XXXX never addressed and in XX/XX/2018 then submitted a bill saying I did damages, even though documented 3 months previously it was their fault, attached. 
They then proceeded to falsify trumped up fees, which in no way did I owe in any manner, and submitted a fabricated bill to me and demanded I pay. XXXX then handed over my " bill '' toTCS THUNDERBIRD COLLECTION in XX/XX/2018. I have disputed in the past. I now wish to submit court files and dismissal and other documents to support my claims this bill is fabricated. I have more court documents, but file limit is exceeded.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the following : 15 U.S.C. 1681 602 ( A ) I have the right to privacy 15 USC 1681 and 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 604 ( A ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have no knowledge of these companies and they shouldn't be reporting as I never gave permission for the reporting per Section 1681 ( A ). In accordance with the Fair Credit Reporting Act, I hereby request the above listed accounts be removed from my credit report. 

Any information that the creditor is unable to verify should be promptly eliminated. Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. 

Delete these accounts immediately XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX It has been more than 30 days and the Equifax has not sent me verifiable proof of these accounts.
Product: Debt collection

I contacted credit acceptance to retrieve the original signed contract with their terms of the agreement and was directed to a company I have no knowledge of. I contacted the company they provided and requested the same information and was told I would receive the signed contract and terms following the phone call and a physical copy by mail. I never received either and every attempt to contact them since have but without success.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a dispute regarding multiple inaccuracies on my credit report that have been reported by the following agencies : XXXX, XXXX, Equifax, XXXX, and XXXX XXXX. Despite submitting requests for reinvestigation to these bureaus, no corrective action has been taken, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, I attached the letter from the Bankruptcy Court with each reinvestigation letter. 

Reference # XXXX Inaccuracy : Date Filed/Reported ( XXXX and XXXX date is XX/XX/year> and Equifax date is XX/XX/year> ) Inaccuracy : Reference #, Closing Date and Court Violation : This inaccurate reporting violates FCRA 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain accurate information. 
Violation : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information. 

I have submitted letters for 6 months requesting reinvestigation of the above inaccuracies to XXXX, XXXX, Equifax, XXXX, and XXXX XXXX, but no corrective action has been taken, nor have I received any updated results.
Product: Credit reporting or other personal consumer reports

I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX XXXX XXXXXXXX, 2023. After sending my information to the credit bureaus on the XXXX XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zels handling of disputes particularly in light of the CFPB lawsuit highlighting specific and 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 impossible, and that tracking these transactions would be unfeasible. The CFPBs report indicates that Zelle has not only neglected to protect its customers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX Transunion and XXXX are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX  ( INQUIRY ) XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX XXXX XXXX XXXX # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. 

Security Credit Services aka XXXX XXXX XXXX XXXX {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.
Product: Mortgage

My principal applied for a mortgage loan at Truist on XX/XX/2023 and was unlawfully denied. Regardless of the reason of the denial, I have the right to credit. Withholding access to my securities, is security fraud, extortion, trust fraud, breach of contract, interference with commerce, malpractice, breach of fiduciary duties, etc. Truist Financial are violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act ; the very same laws that the corporation tells us they abide by. Since you are denying access to my securities and credit, please retract my application and stop profiting off of my securities without my consent. I believe my security ( the application ) was securitized without my knowledge and consent. I have sent the CFO ( the federal reserve agent ) of Truist correspondences and tenders, specifically a Notice of subrogation on XX/XX/2023, Unauthorized Denial of Mortgage Loan and a durable power of attorney on XX/XX/2023.
Product: Debt collection

Our car was bought in 2017, XXXX XXXX State Farm Bank applied for the loan, and it has always been tied to our bank account for automatic payment. I suddenly stopped paying fees in XXXX last year, but my account has always been deposited with wages, so I didnt check it. Until XXXX the night before yesterday, a XXXX XXXX showed up and said that we had not paid the car loan for three months, and we had to drive away, or we would have to be towed away by a trailer. There was no choice. The bank is closed and no one can help us. My husband has to go to work during the day and feels helpless. The next morning we contacted the bank to pay off the car loan, fines, and towing service fees. When I contacted them to get the car at XXXX, the person on the phone said it was closed. But they said before that it was XXXX off work, maybe they want to earn an extra day 's storage expenses. My husband went there at XXXX oclock the next day and waited for an hour. The manager came over to open the door for a fee. It costs US {$220.00} to read the bill. My husband cant believe it. The storage fee is US {$75.00} a day, even for two days. Will charge so much. My husband was in a hurry to go to work. He just wanted to get the car back, so he paid the bill. When he went to pick up the car, he found that everything in the car was gone. The jacket, two cigarettes, the data cable ... were all taken away and kept. The officer denied, saying that he didn't know all the time, saying that it was useless to call the police. You didn't take pictures and there is no evidence. 
The bank did not respond positively to us why the automatic payment was interrupted. Just say sorry. Credit may be reduced and affected.
Product: Credit reporting or other personal consumer reports

In reviewing my Experian Credit Report, there are SEVERAL incorrect details contained within the report that need to be REMOVED. 

The ONLY name that should be listed for me is XXXX XXXX. Their website has XXXX names listed, NONE of which are accurate and need to be REMOVED. 

The ONLY address that should be listed for me is XXXX XXXX XXXX, XXXX, MD XXXX. Their website has XXXX other addresses listed that need to be REMOVED. 

They have XXXX listed as a Spouse or Co-Applicant, and that name and person needs to be REMOVED. 

There are XXXX hard inquiries that I know NOTHING about. They are XXXX XXXX XXXX and XXXX XXXX XXXX These need to be REMOVED. 

There are also SEVERAL soft inquiries that I know NOTHING about. They are the following : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian on XXXX occasions : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian XXXX on XXXX occasions : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX on XXXX MORE occasions : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian XXXX Identity on XXXX occasions : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX occasions : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Accounts that were the result of Fraudulent activity : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unable to sit on the phone on hold to speak to a representative and their website, unlike the other credit bureaus, has NO way of disputing online and force you to have to call in and sit on hold. I don't have time to do that with my occupation and it is a terrible inconvenience. 

The above items need to be REMOVED from my Experian Credit Report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two certified letters to Diversified Consultants INC asking for documents bearing my signature and I also have proof of someones signature so they have received my letters! They will not provide the documents bearing my signature! Only itemized bill! Theyre continuing to report to CRAS without proper Validation that I asked for! Itemized bill is NOT validation! I sent letters XX/XX/2018,XX/XX/2018,XX/XX/2018 but keep getting itemized bill! I have no other choice but small claims!
Product: Credit reporting or other personal consumer reports

I have a collection on my account from XXXX  from 2023. I never had XXXX. I have XXXX XXXX. And Ive had XXXX XXXX for years now. I dont understand why XXXX dollars was charged to my credit.
Product: Credit reporting or other personal consumer reports

I was enrolled at XXXX XXXX in XXXX and withdrew myself that same year. XXXX XXXX account XXXX was not opened XX/XX/XXXX. It was opened XXXX of XXXX making this account past statue of limitations ( 15 years ) in the state of kentucky not to mention this is a XXXX XXXX XXXX, i am service connected 100 % XXXX veteran and i am forgiven of my student loan debt. Repeatedly reporting collections every month to reage the account is illegal.They are breaking the law please delete immediately. 15 USC 1681e ( b ), 15 USC 1681i ( 5 ) thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple trade lines on my credit report but I've been told that because they know I'm XXXX by identifying my social begins with XXXX and end with a XXXX I have a lower score then those that began with 200  or 100 which are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX determined a loan that they had for me was fraud. Instead of removing it they charged it off told me that i was not responsible however XXXX XXXX picked it up added money to it and is harrassing me claiming to sue me. It is not my debt i am not responsible and it needs to be removed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XXXX XXXX XXXX XXXX IA XXXX un authorized hard inquiry on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX Authorized hard inquiry on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. UN Authorized hard inquiryon XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks, XXXX. UN Authorized Hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. CXXXXe XXXXe ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. CXXXXe XXXXi ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Bank account or service

My bank holds transactions for days in order to cause overdrafts and assess fees to the account. I was just told it does n't matter how and when you spend the money, they will post the transactions the way they want to. I was also informed that there is no way to ever get an accurate account balance because of this. I have done everything in my power to prevent this, yet my bank refuses to acknowledge that they hold the payments. I made a cash deposit that covered both of these transactions and was still assessed a late fee when my account was not overdrawn.. additionally they charged me XXXX to transfer XXXX from my savings. the fees caused the overdraft on my account, not my transactions. I do n't feel this is fair that I 'm held liable for their systems errors.