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

I am writing to formally file a complaint regarding a fraudulent transaction that occurred on my account on XX/XX/2024. On that date, my account was hacked, and an unauthorized transfer of approximately {$90.00} was made through Zelle to a account named after XXXX XXXX zelle email used for transaction was email : XXXX. 

As soon as I realized the unauthorized transaction had taken place, I immediately contacted my bank, XXXX XXXX XXXX XXXX, for assistance. They directed me to the zelle department for further help. However, when I reached out to Zelle, I was informed that there was nothing that could be done regarding the fraudulent transfer. To my disappointment, no fraud report was initiated, and no justice or resolution was offered for the incident. 

I find this response completely unacceptable. As a customer, I expect that Zelle take immediate action when such serious issues occur, including investigating the fraudulent transaction and taking steps to prevent future occurrences. Instead, I was left with no assistance, no fraud report, and no guidance on how to resolve the issue or get my funds back. 

I urge you to review my case and take the necessary actions to resolve this matter. I expect a full investigation into this fraudulent transaction and a prompt resolution. I also request to be informed of any measures Zelle is taking to prevent such incidents in the future, as this has caused me significant distress and financial harm. 

Please confirm the receipt of this complaint and provide a clear action plan for resolving the situation. 

Thank you for your immediate attention to this matter. 

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

Please see attached documents. Do not close this complaint stating it is not me. I am a natural peerson and a consumer.
Product: Credit card

Got a bill for a credit card I never received. Bill is for 3 years ago that just came in today 's mail.It is from PAYPAL CREDIT,XXXX XXXX XXXX, # XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX. The company never stated before using them on XXXX, that an an account was established with a XXXX digit credit card # and consumer has to pay for the service monthly. I used it a few times 3 years ago and got a bill for it of {$130.00}. THIS IS CORRUPT AND UNFAIR! I WANT THIS REMOVED AND GET XXXX BALANCE!
Product: Mortgage

I am refinancing this loan. My title company requested a payoff on XX/XX/year>. I have called several times to request a payoff and I feel like I am getting a run around. I have since called them several times and I keep getting told " fees are calculating ''. My approval is only good for a certain period of time. I have asked to speak with supervisors or anyone who could escalate my situation but I have been denied.
Product: Credit reporting

The XXXX Card account on my credit reports XXXX Equifax, XXXX XXXX is being reported incorrectly. The account is closed and it appears to be open and active. 

Also, the creditor is reporting that the debt was charged off and if that is the case, the debt has been forgiven and the balance should show as {$0.00}. If XXXX Card is issuing a XXXX that means they are reporting that the debt is forgiven in exchange for a tax credit. Also, the late payments should not be reported as of the date the debt was charged off. 

Because XXXX is reporting that I have an active debt with an outstanding balance ( when the account is actually closed ) it is lowering my credit score. 

I disputed this issue with the all three credit bureaus and XXXX directly but the information on my credit report remains inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXXXXXX {$85.00} US Dept of ED/XXXX  XXXX US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a letter to XXXX/Dept of Education asking them to remove the late payment on my credit report on a good faith adjustment. They never responded to me. On XX/XX/XXXX, I wrote the first letter to Transunion to dispute my report as well as sent them the information showing that XXXX received my letter and documentation and never responded. When the investigation was completed, nothing had been changed. On XX/XX/XXXX, I wrote the second letter disputing my credit report based on false reporting. XXXX is reporting that I was current in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but 90 days late in XX/XX/XXXX. When I received notification that the investigation was completed, once again nothing had been changed. I am filing a complaint on Transunion. Based on the Fair Credit Reporting Act, they are responsible for reviewing the accuracy of the disputed item and that has not occurred.
Product: Credit reporting or other personal consumer reports

Contacted equifax when inquiring for a home loan prior to XXXXXXXX XXXX XXXX, showed I had 5 lines of credit and showed there were two similar names for the same social security number ( I only have 2 credit cards ). Due to me sending in documents to equifax some time of XX/XX/year> they were able to remove the additional name and 2 lines of credit that were not mine, but equifax still is saying I have a car loan that I dont have, even though Ive disputed it multiple times. equifax is now saying the only way I can get it off my record is for me to show them a government report showing that the line of credit dose not belong to me.
Product: Mortgage

XXXX, Inc.withdrew four bimonthly payments in the amount of {$960.00} each. They were withdrawn on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These payments did not reach my mortgage company the XXXX. When I contacted XXXX , XXXX . I was told that they mailed the payments to XXXX and they will look into where the funds are and get back to me shorthly. This was on XX/XX/XXXX. I have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX XXXX displayed felonious charges on my credit report. After disputing the charge, it was officially knocked down to a {$0.00} balance. Yet, the company continues to submit the fictitious charge. I spoke with the agent and forwarded the email from Experian to provide proof, and also informed her it would be illegal to attempt to place these charges on my credit statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out because the Dept. of Education declined my request for a parent plus loan for my daughter who is going to her 4 year in college. I had some problems with mortgage payments due to treatment and Covid 19 but I have been making payments consistently for over 15 months. Weichert Financial Services and I came to a Forbearance agreement but I started making payments earlier then I expected. We then agreed on a Mitigation that required me to continue to make consistent payments and I have done that. 
Now for the first time, they are reporting me as delinquent and therefor affecting the parent plus loan with the Department of Education. 
I have called Weichert numerous times because Student Loans have asked for confirmation that my payments have been consistent, They have promised to send the information numerous times but they never do. I need my daughter to complete school because if she misses 1 semester, I fear that they would not go back or take a long time to go back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to have the Three Agencies Experian, XXXX and XXXX to remove and delete fraud accounts from my credit report and they either have been busy or ignoring my request. Ive sent letters on my behalf and have not received and adequate response. The accounts in reference are the ones below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are needed further investigation and removal by the 3 bureaus Experian XXXX XXXX
Product: Debt collection

I received a letter fro m Firstsource Advantage LLC dat ed  XXXX    XXXX ,2017  stating that an account (  XXXX   XXXX  Credit Card ) has been placed with their organization for collections with a balance of {$1200.00}. On  XXXX   XXXX ,  2017  I sen t Firstsource Advantage LLC a letter that t hey received on  XXXX   XXXX ,  2017  to provide me with proof that this debt belongs to me. As of  XXXX   XXXX ,    2017  I still have not received a response fro m Firstsource Advantage LLC. Theref ore, the collection agency failed to validate this debt in the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( XXXX ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ( XXXX ) XXXX SHOWING DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?
Product: Credit reporting, credit repair services, or other personal consumer reports

A 90 days late payment from XXXX XXXX XXXX XXXX has been posted to my credit report from Experian.  XXXX insisted that they did not provide Experian with any late payment and such information is incorrect.Several calls and letters written to Experian have not been returned, and no resolution to this issue has been reached.Experian needs to remove the 3 months (90 days) late payment from XXXX XXXX on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

ok now proof of my written authority with my consent to prove that the company is not violating my constitutional rights. these are the laws that protect my rights below since the company is telling me what ever inquiries they have what so ever... they have my written permission to put it up for two years ... by law if they can not provide information which i know i didn't consent to i am ready to get a lawyer and 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXXXXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... it also states a consumer reporting agency can not furnish a account with out my written instructions. 

15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX text15 U.S. Code 1681c - Requirements relating to information contained in ... states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXXXXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... A person shall not furnish any information relating to a 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

I'm experiencing XXXX, dissatisfaction, and XXXX concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Product: Credit card

Concora has yet to provide documentation from their Fraud Department as I request from them with documents that they spoke with the merchants that charged me for items I did not purchase and returned the same day to the sender. I have had no response from the merchants after countless attempts to rectify this issue and they do not have working phone numbers to reach them. This company is a scam company and CONCORA would not have had any response or contact with the merchant due to them not having a working or legitimate phone number.

CONCORA continues to disregard my concerns with the scam company for over 7 months and can not provide me with proof of their conversation with this scam merchant while continuing to send me a bill I did not create with an authorized purchase.
Product: Credit reporting or other personal consumer reports

Despite my prior multiple attempts to address this issue, the incorrect opening date remain unresolved. The incorrect opening date listed for my account have caused significant inconvenience and potentially impacted my financial standing. It is imperative that this discrepancy is corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening date and any other supporting materials. Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately correct the opening date on my accounts to reflect the accurate date. Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. Confirm in writing that the correction have been made to my account. I understand that resolving such matters can be complex, but the prolonged delay in addressing this inaccuracy is unacceptable. Please provide regular update on the progress of this issue until it is fully resolved. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXXXXXX  Balance Owed : {$3200.00}.
Product: Debt collection

on XX/XX/2024 i reached out to ic systems to disclose what information they had pertaining to the fraudulent account open what signed contracts etc i was unable to get information or get a resolution to my concerns i would like to remove the accounts from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX vacation Account # XXXX, and credit control corpAccount # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

The company sent a debt collection letter. I asked for a copy of the original written agreement, I also asked for more information about their firm, specifically do they have the right to operate in my state. The original letter from the company was sent in XX/XX/year>. I sent a follow up letter requesting information via certified mail with return receipt. The letter was received and date stamped, but not signed for, on XX/XX/year>. I received another letter from the same company with the same information from the XXXX letter on XX/XX/year>, following a collection account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

TransUnion, XXXX, XXXX and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EXPERIAN and the associated information provider for incorrectly reporting late payments on my credit card account under account number XXXX. 
This incorrect information on my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection from Nonpayment of Obligations Act ( PAANL ), and the Unfair, Deceptive, or Abusive Acts or Practices Act ( UDAAP ). 
1. FCRA : The credit agency and information provider have failed to ensure the accuracy of the data on my report, and incorrect information continues to appear despite my request for a thorough, manual check as required by the FCRA. The lack of manual investigation, as well as the potential reliance on the E-Oscar automated system, is a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic statements within the statutory time frame of 21 days prior to the payment due date, resulting in incorrect reporting of late payments. I request that records be provided to me showing compliance with the requirements of TILA, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5.

3. UDAAP : Inaccurate reporting of my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under the UDAAP rules overseen by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : EXPERIAN BUSINESS CRED Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account within the 30 day timeframe GM is reporting late saying payment made after 30days. Ive paid on the 30th day before and wasnt reported late.
Product: Debt collection

On XXXX XXXX 2019 a rep from Messerli & Kramer PA stop at my parents address and talked to my sister and asked if lived there. She informed them that I do not currently live at the address. Then was asked if I would be there any time soon, she told them she was unsure. The rep then handed her an open letter which was a communication from a debt collector. Giving the name of the original guarantor, name of the collection agency, notice that I was being sued and my name on it. Even after my sister told him several times that they where at the wrong place and should give this directly to me.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX