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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Transunion XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Inquiry Date : Inquiry : XXXX XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Consumer Loan

Santander refuses to update my credit info being reported to the XXXX credit bureaus to open/current for this loan or lease. I have paid them to make the loan current and paying all applicable fees but they refuse to report the correct/accurate information. This is affecting my livelihood in regards to employment and housing opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transworld Systems to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX  XXXX XXXX and I was residing in California at the time this account was reported. THey asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, also they sent me a fraud packet which I filled out and returned. Thus far there account has been deleted from all my credit reports except from XXXX. This account recently re reported to XXXX on XX/XX/2022 for {$370.00} which is inaccurate information because this account does not belong to me.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly CORRECT or REMOVE the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1 ) REMOVAL OF ALL FRAUDULANT INQUIRIES ON MY CREDIT BUREAU, WHICH ARE ON MY CREDIT REPORT AS HARD INQUIRIES. I DID NOT AUTHORIZE THESE INQUIRIES, I HAVE FILED MULTIPLE POLICE REPORTS, IN MULTIPLE JURISDICTIONS, AND HAVE THESE FRAUDULENT INQUIRIES REMAIN ON MY CREDIT REPORT FRAUDULENT INQUIRIES ( 9 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Debt collection

XXXX has allowed a fraudulent credit collection agency to add an account to my credit repot without validation and my knowledge I do not owe XXXX any funds. I asked that this be removed from my credit report. please investigate this collection company. This company has no right to put this unlawful act in my credit report. Please assist me. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX All consumers be aware of these people
Product: Student loan

My private student loans are with Navient XXXXolutions. I am in a rate reduction program. I have two scheduled payments through Navient that come out on the XXXX of every single month, one in the amount of {$140.00} and one in the amount of {$63.00}. These payments have being coming out since XX/XX/XXXX via electronic checks that Navient writes to my bank, as if it were from me. My bank which is XXXX XXXX XXXX, receives the checks and processes the request for payment and it usually posts within three days of said request. These payments did NOT come out of my checking account via XXXX for the month of XX/XX/XXXX, however Navient claims the payment has posted, and continues to claim this no matter what I say. I called XXXX and asked them if they missed anything and they said they have no record of any request for payment from Navient. I began calling Navient on XX/XX/XXXX and have spoken to them a total of XXXX times since then, including a call yesterday. At first I had to fight them on getting them to look further into this issue. Finally a nicer more wise representative by the name of XXXX XXXX was able to submit a request into accounting to dig a little deeper. When I had not heard anything for a couple of days after that I called back and could not reach XXXX, so I spoke to a supervisor named XXXX XXXX. I got her on the phone and merged the call with a representative of the office of the CEO of XXXX XXXX XXXX, where XXXX was able to confirm to XXXX at Navient, indeed these payments had not come out of my checking account. XXXX submitted another request and tried to call me back but had to leave a voicemail, where she told me they are still looking into it. I have not heard anything back as of yet to these inquiries. Each time I call Navient I get a different person and I can not get the same person twice. I have to go through the whole story all over again. I have asked Navient to produce check numbers, of the checks THEY WRITE, and they can not provide these numbers. I was told twice, once by a random supervisor they don't actually log those numbers, they put in any number as a placeholder. I don't understand what kind of accounting system this is. All I know is a. my account still shows no payment posted by Navient. b. I'm tired of boing back and forth with Navient and this nonsense. I can not believe I have to fight this company to make sure a payment posted. Obviously they messed up somewhere and I can not get any answers as to why and it's been almost a month. c. I received a letter today that just reiterates the lie they keep telling me that a payment posted, which shows only one of the two payments that posted. d. I'd really like if the IRS audited this company. Something is not right here. This is absolutely unacceptable. I have attached the letter they sent to me today claiming a payment has been made. I have also attached an example of one of the checks they write on my behalf to my bank XXXX.
Product: Money transfer, virtual currency, or money service

I sent money via Walmart to Walmart to my mother and daughter in XXXX new york from XXXX  XXXX Missouri. My mother and daughter were unable to pick up the money at Walmart in XXXX and were never informed why. I have sent money this way for over 11 years with no problem. I had someone call me asking questions about the transfer, I began answering the questions and felt suspicious and asked the person I was talking to, to confirm who they were and I just was told a first name, person refused to tell me the company they work for, address, supervisor. So I refused to answer questions because I did not know who I was talking to. The person refused to provide me with any information as to the reason for the call so I confronted them and they retaliated by locking funds where I could not get the money even in person when I went back to Walmart the next day.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to DIGITAL FEDERAL CREDIT UNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX WA, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX . XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX.
Product: Checking or savings account

This is a re-dispute for cfpb complaint XXXX XXXX and Early Warning Services Dispute Case ID : XXXX where XXXX responded that my identity theft dispute came back as verified. EWS removed and blocked XXXX from my consumer report on XX/XX/year> and decided to rescind the inaccurate information to my consumer report on XX/XX/year> without any supporting documentation. XXXX needs to produce the way that my account was verified. I also requested the XXXX address to the fraudulent check that was deposited into my account and for the signature on the check to be analyzed because it does not belong to me. XXXX was unable to produce that. Also I requested that Survaillance videos or photos be released of whoever withdrew the funds from my account to prove my innocence, XXXX stated that there shouldnt be an issue because it was withdrew from XXXX  ATMs within their network. XXXX has yet to do so! In addition EWS and XXXX are in VIOLATION of law 605B of the federal Fair credit reporting act by not removing this from my consumer report due to identity theft. To conclude this needs to be removed from my consumer report if they can not validate the inaccuracies that they are reporting! This was originally submitted in XXXX, it should not take 3 months to have this removed from my consumer report. XXXX is not obligated to prolong the process of the removal of these inaccuracies if they can not produce supporting documents expeditiously.
Product: Debt collection

XX/XX/year> XXXXXXXX XXXX XXXXXXXX CBE Group Charter communicating XXXXXXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Request for Debt Collection Communication To Whom It May Concern, I am writing to formally request that you cease all communications regarding the alleged debt associated with my name, which is being handled by your office. Please take this letter as my formal notice to stop all further contact with me in any form related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you refrain from contacting me regarding this matter. As such, I request that all communications cease immediately. This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact. 

Please note that this is not an acknowledgment of the debt in question, nor does it imply consent to its validity. I am simply exercising my rights under the law to have no further contact regarding this matter. 

If you continue to contact me in any way after the receipt of this letter, you may be in violation of the Fair Debt Collection Practices Act, and I will consider further legal action. 

Please confirm receipt of this letter in writing and ensure that you have updated your records to reflect this request. 

Thank you for your attention to this matter. 

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

I written numerous letters to the credit reporting agencies asking them to correct items and remove their credit freezes and security alerts which they have yet to remove any items requested
Product: Debt collection

Tuesday XXXX XXXX at approximately XXXX I had received another call from the representative working at I.Q DATA International that collects a debt. I talked to a woman representative and I didnt like how she was talking to me and the way she stated certain things. When I asked her about making monthly payments that was convenient for me to pay my debt off she proceeded to on by telling me I have until XXXX which I never received a letter stating I have until XXXX to pay off my debt. She also went on to tell me I can use my tax money to pay it off and I let her know I will not file tax this year and she goes to ask me Are you working? Which is very unprofessional because thats something personal. I asked can I speak to someone else and she tells me its no one else to talk too. I would like to file a complaint and make it aware that I did not feel comfortable I felt like I was just pressured and not heard due to my circumstances. I told her I feel like shes telling me what to do and she goes on and say I am telling you what to do I did not like that and feel as though she needs better customer service skills. I know the calls are recorded and monitored and I will be happy to have this information investigated.
Product: Money transfer, virtual currency, or money service

I am writing you to express my concerns regarding zelle handling disputes. I feel as though they arent taking our issues seriously. Specifically pointing out recent concerns in most recent complaints regarding the platform. Although Ive used Zelle several times before Ive been having to report issues I have within the app, its not enough security. My financial institution and Zelle failed to investigate my claims adequately. The stated that recovering lost funds was nearly impossible and that tracking these transactions were not an option. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving all users vulnerable to scams. Highly disappointing!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has {$14000.00} that is sitting in a lockbox that has not been credit to my account. This money is currently being charged interest and showing up with a high debt ratio on my account. This account is under investigation and is with the office of the president. The company has already agreed that they will credit that they will credit my account all finance charges and therefore I have requested that they please put this charge into a contested amount and should be credited temporarily until the company fixes their internal problems. This problem has been ongoing for over several months and therefore am requesting assistance to get this corrected as my credit score is just one more problem that is hurting me while this long process is not corrected.
Product: Debt collection

Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter. 

XXXX. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated. 


XXXX. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law. 


XXXX. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to. 


XXXX. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations. 



Requested Resolution : XXXX. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report. 


XXXX. Please provide me with purchase agreement verifying the accuracy and legality of the information in question, as required by federal law. 


XXXX. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter. 



Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies.

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this matter. 

Sincerely XXXX XXXX
Product: Credit card or prepaid card

WELLS FARGO BANK , N.A . SENT AND ADVERSE LETTER DISCRIMINATING AGAINST MY CREDIT AND DENYING ME AN EXTENSION OF MY OWN CREDIT. VIOLATED MY RIGHTS UNDER 15 USC 1691 ( a ) AND GIVING ME FALSE AND MISLEADING INFORMATION.
Product: Debt collection

XXXX XXXX XXXX is using another company to try to collect money for a bill that was paid. This has been going on for three years. this has been sent to regulators and the XXXX XXXX and XXXX XXXX XXXX  has not been successful. This harassment should have already reached the statue of limitations.
Product: Debt collection

I originally received an insufficient funds notice from E*Trade and I do not have an account with them. I then pulled a XX/XX/XXXX consumer file and indeed had an inquiry from E*trade on there. I called E*Trade and they advised me that I do not have an account and that nothing exists. I then wrote a formal dispute to E*trade with the letter attached and the consumer file and have yet to hear back. Getting someone on the phone to help is very difficult as well because I do not have the account number in question. Please help me resolve this account and make sure that it does not impact my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I have filed against Bank of Hope since my mortgage was transferred to them effective XXXX ( see dispute number XXXX ). Now they are reporting my mortgage twice to XX/XX/XXXX!!!! They are reporting my loan under Bank of Hope with an outstanding principal balance of {$130000.00} and also reporting it under their loan servicing company XXXX XX/XX/XXXX XXXX ( listed as XXXX XX/XX/XXXXon the report ) with an outstanding principal balance of $ XXXX makes it look like I have 2 mortgages with a total outstanding balance of {$260000.00} when in fact I have 1 mortgage with Bank of Hope with an outstanding principal balance of {$130000.00}. It took me several weeks of calling Bank of Hope and filing a complaint with XX/XX/XXXX and CFPB to get my last issue corrected - this is totally unacceptable!!!! This bank needs someone overseeing their business. This has caused me so much undue stress which I do not need right now as my husband has very serious health issues I am also dealing with.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent Cfpb lawsuit highlighting significant issues within the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX findings indicate that XXXX not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This truly sadden me I just cant believe it.