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

I recently reviewed my credit report and found some discrepancies and fraudulent activity, therefore preventing me from being able to build my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variations of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company ( XXXX XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Product: Credit reporting or other personal consumer reports

There is a loan on my credit report from Lendmark Financial that I did not open or apply for. There is an inquiry date of XX/XX/2023 and loan opened on XX/XX/2023 for the amount of {$7500.00}. I do not have an account with this company nor did I apply for a personal loan.
Product: Credit card or prepaid card

My account was hacked XX/XX/XXXX for {$86.00} at XXXX XXXX and then {$0.00} at XXXX ( the card was frozen and I immediately report the transactions ). I was clocked in at work, driving out of the state at the time these transactions were made. I submitted the dispute and apple came back saying I was responsible for the charge. They did not let me submit any evidence and said they would mail me the evidence the merchant submitted. I submitted the charge again for fraud and it is still pending. XXXX released an update because they had a data leak that got peoples apple cards hacked. I updated my XXXX, changed my virtual and physical card number as well. On XX/XX/XXXX my card was charged {$0.00} at XXXX. I submitted this immediately as fraud. I went through apples steps of changing all my card info again and turning on the advanced fraud alert. On XX/XX/XXXX my card was attempted to be charged {$32.00} but declined. I submitted this immediately as it was fraud. I actually stopped using this card in XXXX due to all the hacking issue that was unresolved from XXXX. XXXX told me all I could do was change my card information AGAIN, which I did. They told me that hopefully I wont be hacked again and Im not responsible for charges I did not make. However the refuse to give me any information on the party city purchase. I had to asking again for the evidence from the merchant. I do not know what to do. I have never had this many issues with a credit card.
Product: Credit reporting or other personal consumer reports

I have some accounts that were previously disputed for fraud they are not mine and they continue to appear, I expect them to be investigated and removed from my credit report and the independent investigation and update to my credit report sent to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian Credit Bureau is refusing to remove an account from my credit after I provided proof the creditor has removed it.The creditor is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 to be updated. 


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 21 days before the payment due date. 


EQUIFAX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I contacted XXXX XXXX XXXX through their website XXXX ( which no longer exists. ) I verified that I would like to adopt two of their XXXX XXXX kittens ( 1 male and 1 female. ) We went over the details of pricing and agreed to {$930.00} to be sent over paypal, as the owner lives in Virginia. This price included shipping the animals on flight where I could pick them up at the airport immediately. On XX/XX/2019 I signed the contract for the kittens that was sent via email and the money was transferred to a XXXX. The owner stated she would need a few hours to get certified copies of their vaccinations and etc. We did not hear from her until the following morning after reaching out for an update. On XX/XX/2019 the owner, XXXX XXXX, stated that she would be shipping them and they would be coming in that night. On XX/XX/2019 the cats were never shipped but XXXX received the money. Myself and my husband reached out about a re-fund but XXXX has not been receptive and her website for adoption has been taken down.
Product: Debt collection

On Saturday XX/XX/year>. I received a call from a number that identified themselves as sunrise debt collectors. The told me that they were reaching me for my debt with XXXX. On XX/XX/year> I attempted to cancel my Internet service with them due to poor customer service and I was told that the only way to cancel the service was to return the equipment. I shipped the router via XXXX who is a business partner of XXXX. Since then XXXX has kept charging me monthly for the service that I canceled and has now led to debt collectors constantly messaging me to communicate via a link that I am unable to access.
Product: Student loan

I took out multiple parent plus loans beginning school year XXXX and was assigned Mohela. When applying for the loan, on the question " Do you want to defer repayment of your XXXX XXXX XXXX while the student on whose behalf you obtained the loan is enrolled at an eligible school on at least a half-time basis? '' I answered No! For my oldest loan I began receiving bills from Mohela in XX/XX/year> and immediately began making payments and paid up until XXXX period. However, I am not being credited for these as PSLF payments as reflected on studentaid.gov. I called Mohela and a nice gentleman stated that was indeed an error of Mohela 's and I will need to request XXXX to get those payments to count, and there was nothing Mohela could do to make changes. I called XXXX and was told the servicer must make the change. In a nutshell, Mohela treated me as being in Repayment when they began billing me in XX/XX/year> and I began making payments immediately since I was receiving bills.. Attached is my payment history for the time period in question showing I made payments for the months in question.
Product: Checking or savings account

XX/XX/XXXX received a letter from Umpqua closing my account within 10 days. Vice President and Assistant Manager are discriminating and talking about clients with other customers and sharing my private account information as an ex employee with other employees in the branch. They closed my account without 30 day notice all because they dislike that I dont work there anymore. I readily used the account and last transaction was XX/XX/XXXX when branch manager from other location was informing me of all the issues still involved with employees still employed at Umpqua. I left the toxic work environment and now she has closed my account because of it. The work environment and banking environment is lacking structure and management.
Product: Money transfer, virtual currency, or money service

Quick Summary : Wire transfer funds ( approx {$2500.00} ) stuck in intermediary/correspondent bank account ( Chase Bank, XXXX XXXX XXXX ; XXXX XXXX : XXXX ). Neither receiver or I have access to the funds. I need the funds to be refunded so that I can send them to the receiver 's beneficiary account which is based out of XXXX ( XXXX XXXX XXXX ). Both Chase bank ( intermediary account to which funds were sent ) and XXXX XXXX XXXX XXXX ( account from which funds were taken ) have repeatedly directed me to one another, stating " they would have to be the ones to handle that. '' I have spoken to upwards of 12 different employees across both banks since XX/XX/19, yet no one has been able to provide me with the concrete steps of this process, or provide me with any concrete assistance. 

Details : Funds were transferred via XXXX XXXX on XXXX ( Tracking # : XXXX XXXX XXXX ) from my XXXX XXXX account ( sender 's account from which funds were taken ) to the Chase account ( the intermediary account of the receiver 's bank where funds were deposited ). The receiver 's beneficiary account is XXXX XXXX XXXX located in XXXX, and they are not able to initiate the transfer from Chase ( correspondent 's account ) or reject it so that it is returned to me. At this point, funds are completely stuck in the correspondent bank account. 

Companies Involved/Steps Taken : XXXX XXXX : funds transferred from sender to receiver 's intermediary account through XXXX XXXX wiring service ; they stated that they are unable to refund funds that have already been deposited Chase Bank : Receiver 's intermediary account ; both wire transfer department and accounting department continue to direct me to XXXX XXXX and say there is nothing they can do on their end XXXX XXXX : Sender 's account ; both wire transfer department and accounting department continue to direct me to Chase and say there is nothing they can do on their end. They have also refused to reach out to Chase on my behalf or engage in a conference call, even though employees have done this before for me. 

XXXX XXXX XXXX : Receiver 's beneficiary account ; they stated that they have no access to the intermediary account with Chase, so they can not initiate or reject the transfer
Product: Debt collection

I received a " notice of liability '' from XXXX XXXX regarding an alleged automated speeding penalty. I wrote a letter to them and never heard anything back. Then, I got a collection letter from the entity described below : XXXX  XXXX XXXX XXXX XXXX, ill. XXXX ticket number XXXX date XX/XX/21 acc # XXXX amt {$230.00} fax # XXXX agent : XXXX XXXX There are three problems with this alleged debt. First, I do not admit to driving the automobile at the time the automated ticket was generated. Second, the amount the city claimed I owed them ( {$170.00} ) is in excess of the statutory amount for the fine under XXXX XXXX ' Codified Ordinance XXXX. Third, the amount the collection agency alleged I owe is in excess of the amount claimed by XXXX XXXX. 

The collection agent is claiming I owe them more than the alleged original debt and both the amount of the original debt is in dispute and my liability are in dispute.
Product: Credit reporting or other personal consumer reports

I believe mortgage/auto rate inquiries, aka ; hard inquiries within 10 days are to be counted as a single one. My credit report shows & counts each as a separate inquiry, as shown below... 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This diminishes an aspect of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information you have reported to the credit bureaus regarding my account ( Account Number : [ Your Account Number ] ). Upon reviewing my credit report, I have identified several inaccuracies, errors, and potential violations of federal and state laws governing consumer credit reporting and billing practices. 

Disputed Information The following information is inaccurate and requires correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Additional inaccuracy, if applicable ] Legal Basis for Dispute Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Under the FCRA, you are required to conduct a reasonable investigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information. Failure to do so constitutes a violation of federal law. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e If this account has been reported inaccurately or misleadingly, it may constitute a false representation of the debt, which is prohibited under the FDCPA. 

Violation of the Uniform Commercial Code ( UCC ), Article 3 Under UCC Article 3, which governs negotiable instruments, I have the right to dispute any unauthorized or improperly executed transactions. If the account in question involves a negotiable instrument, I request proof of the original agreement and a detailed accounting of all transactions. 

Violation of Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including those related to accurate credit reporting and billing practices. I request that you comply with CFPB guidelines by providing documentation to substantiate the disputed information. 

Request for Investigation and Documentation Pursuant to the FCRA and CFPB regulations, I request that you : Conduct a thorough investigation of the disputed information. 

Provide me with copies of all documentation used to verify the accuracy of the account. 

Correct or delete any inaccurate, incomplete, or unverifiable information from my credit report. 

Notify all credit bureaus to whom you reported this information of the resolution. 

Notice of Potential Legal Action If the disputed information is not investigated and resolved within 30 days, I reserve the right to pursue further legal action under the FCRA, FDCPA, and other applicable laws. This may include filing a complaint with the CFPB and seeking damages for any harm caused by the inaccuracies. 

Please send written confirmation of your investigation and resolution to the address listed above. I look forward to your prompt response.
Product: Student loan

I contacted Navient on XX/XX/XXXX or XX/XX/XXXX about setting up an arrangement to pay {$25.00} per month. I also stated to the CSR that I needed the arrangement in writing as proof that I have entered into an agreement with them for a housing program that I am currently in. I was told that because I am on an IBR with a payment of {$0.00}, that I can not enter into any agreements and was told to just make payments and print out my payment history. I made the first payments and printed out the history, but the housing counselor needs an agreement in writing from each lender as proof that I am paying this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XX/XX/2024 Attn : Equifax Fraud Division On XX/XX/2024, I, XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts and inquiries that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

Accounts : - XXXX XXXX : - Beginning : # XXXX - Ending : # XXXX - Date : XX/XX/2024 - Amount : {$5500.00} Inquiries : - XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX : XX/XX/2024 - XXXX XXXX : XX/XX/2024 - XXXX XXXX ( Request Originator : XXXX XXXX  ) : XX/XX/2024 My current address is XXXX XXXX XXXX, XXXX, MO XXXX. 

Disputed Inquiries ID : # XXXX On XX/XX/2024, I spoke with a representative at Equifax who stated there are no negative items on my report ; however, the My.equifax.com site shows one. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit cards were taken out under my name totaling XXXX dollars. One is from XXXX XXXX and the other with XXXX XXXX/XXXX. These were opened in XXXX, FL. I do not know the person who opened them and never authorized this transaction. The thief also stole XXXX dollars from my XXXX XXXX  XXXX checking account by using an intercepted debit card stolen from my mail. These transactions were also in XXXX, FL. Upon completing an investigation, XXXX  XXXX XXXX has credited my account for these transactions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports from Experian, XXXX, and XXXX and discovered multiple incorrect items, including inaccurate personal identifiers. During the week of XX/XX/XXXX to XX/XX/XXXX, I contacted each agency to dispute these inaccuracies, providing them with my correct name and address. Despite my efforts, the CRAs refused to remove all the inaccurate information. 

This continued reporting of incorrect information poses a significant risk to my privacy and security. It increases the likelihood of personal mail being sent to the wrong address, thereby exposing me to potential identity theft and fraud. The failure of these agencies to correct these inaccuracies despite clear evidence constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that CRAs ensure the maximum possible accuracy of the information they report.
Product: Debt collection

I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ENHANCED RECOVERY CO L ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Product: Debt collection

I received a copy of my credit report stating I owe {$610.00} from Transworld Systems. It is showing as a collection account. 

I called the collection agency to see what service was provided, and the provider 's name, and XXXX advised that I would get this information. I originally disputed this back on XX/XX/XXXX. 

As of XX/XX/XXXX, I have not received any documentation supporting why there is a {$610.00} collection account on the XXXX credit report. 

I just need to know more information about the service, if they can not provide it, then please remove it from the XXXX credit report. 

Acct # XXXX
Product: Money transfer, virtual currency, or money service

Wisely, this bandit company took over my bank account and made it impossible for me to withdraw funds from my international bank account. All my cash is legally transferred from XXXX to my Wise personal account. Just because I applied for a Wise physical card, the fraud company Wise froze my account three days after issuing me a Visa card and misappropriated my personal assets. I can't withdraw cash from my Wise account properly. This is a violation of users ' human rights. Strongly protest against the gangster style of Wise Financial Fraud Group. At the same time, I will never trust Wise, a financial fraud group, in the future. They exploit the trust placed in them to deceive customers and seize users wallets. I originally thought they valued human rights. Unexpectedly, they turned out to be a group of bandits and vampires. Yesterday, this group of robbers canceled my account for no reason and took away my legitimate assets. This is illegal financial fraud. I request the relevant units to severely punish this company, not to shield this XXXX company, and not to let this illegal financial company run amok around the world. My current mobile phone number that can answer calls is ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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