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

I am writing to formally request the removal of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft related to a data breach, these accounts and inquiries were made without my authorization. I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to block and delete these items from my report. 
Fraudulent Accounts to Block and Delete XXXX XXXX XXXX- Account Number : XXXX - Date : XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$19000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$4400.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$17000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$14000.00} XXXX. XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX-XXXX XXXX Date : XXXX - Amount : {$2300.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Date : XXXX - Amount : {$1500.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX Date : XXXX - Amount : {$1500.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XXXX XXXX - Amount : {$12000.00} XXXX. XXXX XXXX XXXX  XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$1400.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Date : XXXX - Amount : {$2200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$6900.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX - Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a loan with XXXX XXXX  XXXX XXXX, Colorado, last 4 digits XXXX. I paid {$200000.00} against the loan on XX/XX/2020. When I accessed my credit report in XXXX, 2020 I found that the loan balance had been updated only by XXXX  but not Transunion nor XXXX. I submitted disputes, at great effort and uncertain success, but the balances have not changed. This is affecting my credit score with both of these bureaus. How may I get this fixed?
Product: Debt collection

I was a client/customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was a online/virtual orthodontics service that helped patients align teeth virtually. Mailing and shipping supplies and retainers with virtual correspondences with a licensed orthodontist. In XXXX of XXXX, XXXX XXXX XXXX filed for XXXX  XXXX XXXX  subsequently closing down its global operations. ALL of my patient files, images, information, medical and financial documents are not accessible any longer as the website, all accounts and the app have shut down. 
I have been noticing that the company hired by XXXX XXXX XXXX as a payment processor : XXXX XXXX XXXX, XXXX ; has been charging my XXXX card with a monthly fee of {$89.00}. I contacted XXXX XXXX XXXX XXXX and they are also very confused to these charges being that XXXX is no longer a company, and is no longer providing ANY services for billing or charging and is also in the middle of a bankruptcy case. 
XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was the creditor and Healthcare Finance Direct LLC is the payment processor for the creditor. 
Here is a direct statement on my contract with XXXX : " Relationship of Parties. Buyer acknowledges and agrees that HFD is not a lender but rather the payment processing service provider of Provider '' I have contacted Healthcare Finance Direct twice with no avail to resolving this unethical issue. They have been very short with my on the phone. I have requested my financial records and contract to be emailed and haven't received anything. With every phone call Healthcare Finance threatens that if i cease payment, my credit will suffer! HFD has expressly stated they are only the payment processor on the behalf of XXXX, therefor, HFD has absolutely zero legal right per contract to claim they are the creditor when contract states otherwise and should NOT be billing me for a company that no longer exist and can no longer provide billable services. This is most certainly fraud and unethical practice by an LLC. Healthcare Finance Direct LLC appears to be trying to make up for money losses with XXXX with innocent customers accounts. 
XXXX has put a block on charges from this company and I requesting a refund of {$89.00} x 5 months = {$440.00} And, on behalf of all clients/patients of XXXX XXXX, a formal investigation into Healthcare Finance Direct , LLC unethical practices. 

Healthcare Finance Direct LLC : XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Checking or savings account

XX/XX/2022 at approximately XXXX XXXX in the morning three transactions was made in my Chime account first transaction was a withdrawal of {$400.00} and the second transaction was a withdrawal of {$200.00} and then the third transaction was declined and they were trying to take out {$100.00} and the location was taken out at XXXX XXXX XXXX, XXXX, NJ. 
I contacted chime and they declined my dispute I also have personal friend that also use chime and he was also scammed and they took away from him the total amount was {$700.00} and he received his money back and I also have his proof because he screenshot his dispute number with chime. My dispute was denied thats not fair! Please I need my money back Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

As expected, CFPB and Equifax have disregarded my request AGAIN for the DELETION of the account below which is not mine. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 usc 1681. XXXX account # XXXX has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix this with Equifax but their verification system is faulty
Product: Credit reporting or other personal consumer reports

Transunion is still reporting latenesses on ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX in Addition to these lateness on XXXX XXXX I was on a covid-19 repayment plan in which lateness should not been reported. 15 U.S. Code 1666b Timing of payments. A creditor may not treat a payment on a credit card account under an open and the consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In Addition, 15 U.S. Code 1681a 2 ( A ) ( I ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making a report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/XXXX with a balance of {$4000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$9600.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is my final notice informing you guys of the Inaccurate/ Fraudulent reportings and investigations into these claims by the credit reporting agencies. Attached you will find documentation showing the XXXX  acts of the credit reporting agencies by reporting those INACCURATE accounts. This has been damaging my credit worthiness and it has cause me grave financial hardship. I demand it be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan with unifour financial and re financed it with XXXX XXXX XXXX XXXX and the payoff for unifour was received late ( XX/XX/XXXX. 
Unifour not only reported 30 days late but also reported a delinquent balance {$15000.00}. This is not correct and XXXX XXXX refuses to correct the information reported as being accurate.the information IS NOT correct and should be corrected immediately as I have photos of my credit reports and emails in which she says she will not change it.I will not settle for anything less than the correction on my credit file and my wifes credit file showing it as paid in full on time.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud7. Fair Debt Collections Practices Act 15 USC 1692g violations8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle on numerous occasions and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users 's vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns regarding consumer safety.
Product: Debt collection

On Equifax there are 5 items that must be removed because they are false. 

1. {$160.00} : XXXX XXXX : It says it is from XXXX. I have a prepaid phone; meaning I pay in advance then get my service. I have no idea when and where this showed up 2. {$170.00} : XXXX XXXX XXXX XXXX. I do not owe any money to XXXX. I waited to policy completed and I renewed with XXXX. 

3. {$1500.00} : XXXX  : some emergency room fake charge. Listed three times with different dates exact amounts. FAKE. I have insurance 4 {$1500.00} 5 {$1500.00} Kindly remove all 5 charges listed on my Equifax report because they are false.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding XXXX late payment 's that was reported to the credit bureaus on my Kia Finance account XXXX The late payment occurred in XXXX or XXXX of XXXX and a sprat account in XXXX. Kia has failed to respond accordingly to the Fair Credit Reporting Act and has not furnished requested proof of late payments, therefore in violation of .15 U.S.C 1681s-2 ( b ).
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.

Account Name : XXXX Account XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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. 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.
Product: Credit reporting or other personal consumer reports

Experian is Reporting a late payment on my credit report. I have reported this incorrect and also asked for this to be corrected and updated.I have repeatedly asked to update or send information from investigation. To this date I have yet to receive any information or proof this information is correct. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 5 USC 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reported to Experian about bankruptcies that are outdated and were not supposed to be on my credit report and they are still there XXXX XXXX explained that they removed the bankruptcies from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed unauthorized hard inquires XX/XX/XXXX and XX/XX/XXXX. Indeed, no formal documentation to support these unauthorized hard inquires. I just ask the following inquiries be removed immediately. 


1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Late Payment XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Inquiry XXXXXXXX XXXX - XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX an artificial XXXX tree was delivered to my house. my wife notified me of a package we did not expect. I left outside thinking it was delivered by accident. the shipper was wayfair and I called wayfair to notify them of this. 4 hours later, the XXXX tree was taken from my porch. I called wayfair to notify them again it was stolen. Wayfair did not tell me anything was wrong. I called again XX/XX/XXXX and was told the item was from a new credit card. I told them I did not open this card and it was FRAUD. they told me a sofa and another item was coming as well. I repeated please stop the orders because they are not mine XX/XX/XXXX, wayfair delivery tries to deliver a {$3000.00} sofa. I tell the delivery team it is not mine and this was supposed to be closed for fraud.I called wayfair XX/XX/XXXX and told them this shouldnt be happening it was fraud, they tell me another item is coming but that will be canceleld and dont worry. 

on XX/XX/XXXX, I receive an alert I owe money on this credit card. I called wayfair they then notify me the account was deemed NOT FRAUD. I then went to the police station that day and received a police blotter. I sent wayfair the police report. I called wayfair again today XX/XX/XXXX and wayfair says its not fraud again. i told them again it was not opened by me and they will see. now the deliquent charges are showing up on my experian report.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I've had this account investigated and re-investigated. The account shows 20+ late payments on one credit bureau and 3 one another. This inaccuracies falsely manipulates my credit score and had affected my life tremendously. I demand that the account be removed immediately. XXXX XXXX account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint. I recently checked my credit report and I saw some accounts that shouldn't be there. I have attached a picture of my driver 's license and a copy of an ID Theft report against the accounts and creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX  ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

Bank Of America XXXX XXXX  XXXX XXXX ) XX/XX/2022 This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XXXX ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XX/XX/2022 XXXX Dealers, Used This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX  XX/XX/2022 ( XXXX, XXXX ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows.
Product: Bank account or service

Pnc bank will not accept my legal Durable power of attorney. I submitted all the appropriate documents and their legal department stills refuses to accept it. I even submitted my father 's death certificate because he was first on the Durable power of Attorney. I have gone to the bank 3 times and each time they refuse. Please help.