23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told XXXX, XXXX, and XXXX to reinvestigate these accounts. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Debt collection

Sent letter to collection agency to remove this account from my credit report because it does not belong to me.
Product: Credit card

Since the age of XXXX all the way to the age of XXXX I lived with my aunt who was my legal guardian at the time. I am currently XXXX and no longer live with her. My aunt of course had access to all my information such as medical records, school records, overall access to all my information ssn, everything. As soon as I turned XXXX, She took out a loan without my authorization and knowledge. I did not realize till after I moved out from her home and started looking more into credit score and how it impacted me in multiple things. I realized I already had a credit card in debt of more than 2000 dollars. I learned that when I used apps to view more into credit. The only way I could think of her making an account for credit would be online. After I found out about it It was too late, the account was closed due to multiple missed payments. I honestly did not have the courage or knowledge to report fraud because I assumed it was normal for my guardian to have my information but later learned it was not okay for them to use it against my knowledge. For years my aunt, when I used to live with her, asked for assistance in benefits such as Medicaid and food stamps for me. And forced me to take out student loans, student loans I have knowledge of and she promised me she was going to pay for those but now Im just stuck in a lot of debt. Some debt on the other hand, I wasnt aware of, like the credit card debt with Wells Fargo. With student loans I was under a lot of pressure by living under her roof and feeling like I owed her more than what the government was already giving her for me. I honestly can prove that my ex guardian has all my information, my medical, student records and the bank account I mentioned all have my information and somehow hers. I have a copy of the taxes she filed with XXXX XXXX  website with my information. Snap as well can have information on their end of the amount of times and money they gave her for me. Medicaid has information as well. I just need assistance.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX Experian has not been able to refresh my score. I contacted them & talked to multiple people & no XXXX could resolve the issue. After XXXX hours if no answer i was hung up on. I sent emails & nothing resolved. Can you please help me. The error message i get says we cant show u ur XXXX bureau report. It says learn more then i click that & it says this might mean that XXXX has no record of ur credit history are different personal details for you on file until this matter is resolved you wont be able to see your report. Ive worked to hard to get credit to be stopped when i have a high score & rising. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account # XXXX Has violated my rights 15 USC 1681section 602 A,. States I have the right to privacy 15 USC 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( I ) 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

How many times have I told you that these inquiries are unauthorized by me? Delete these inquiries right now XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX  XXXX, IN XXXX ; XXXXXXXX XXXX XXXX, IN XXXX ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}
Product: Debt collection

PHH Mortgage currently holds the debt for a property that is in a trust. The sales agreement for this property was signed on XX/XX/XXXX and is due to sell on XX/XX/XXXX. 
Item # 1 : PHH refuses to acknowledge or communicate with our realtor even though we have directed PHH in twice writing to do so and have provided all the information necessary to establish this line of communication.

Item # 2 : PHH claims that they can not " locate our account '' - whatever that means- even though PHH provides us with monthly statements regarding the account. How can this be?

Item # 3 : PHH continually communicates with us from a different office location even though they identified a single point of contact in the early stages of communication regarding the property and the loan. 
Chronology of Events : XXXX : Property Owner dies XXXX : Trustees send death certificate to PHH. 
XXXX : PHH sends a default demand letter requiring the trustees for the property to submit the information required by PHH. 
XXXX : Trustees respond in writing sent by certified mail and include all contact information for our realtor who is under contract via a listing agreement as of XXXX. 
XXXX @ XXXXXXXX XXXX : PHH receives letter sent on XXXX XXXX : PHH sends letter extending foreclosure date to XXXX and claims that PHH still does not have authorization to communicate with our realtor. Letter sent from offices in Florida references all the correct account information for the loan. 
XXXX : PHH mails a statement ending XXXX XXXX for the account XXXX : Trustees receive a written statement ending XXXX. 
XXXX : Trustees receive the PHH letter dated XXXX and write a letter that is sent by email on that day which authorizes XXXX XXXX to act on our behalf and directs PHH to communicate with her directly. PHH fails to acknowledge receipt of the email. 
XXXX : Trustees re-send the letter dated XXXX to PHH via express mail with delivery confirmation. 
XXXX : PHH mails a letter to the trustees from a New Jersey office claiming that they are unable to locate the account with the information provided. What locate means is unclear. Why the New Jersey office does not communicate with the Florida office is unclear. Why PHH is still communicating with the trustees when PHH has been notified twice already to communicate directly with our realtor is unclear. 
XXXX : Trustees receive the XXXX letter and file CFPB complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$86000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$710000.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Western union.     Transferred made o n  XX/XX/XXXX  f or {$1500.00}   XXXX  . When transaction was made it showed it should ta ke 3 workin g days for receiver to get the funds.     Upon calling on   XX/XX/XXXX   was told they need some additional information to process the  payment. Information ( ID ) Pro vided on   XX/XX/XXXX .  Received confirmation email from   Western union that funds have been deposited in receivers account.
Contacted Western u  nion numerous times but was told they are investigating and doing there due diligence, received an email today that they are still waiting to hear from the receivers banks ( Almost 22 Days now  ) and i need  to wait without making it clear on how long i have to wait.     Unfortuna tely, we can not provide you with an estimated date for a refund as we are waiting for the receiving bank to provide a response and return the funds Response from western union.
Product: Credit card or prepaid card

Someone opened a credit card in my name for Ulta Beauty through Comenity Bank in XXXX XXXX Co on XX/XX/2023. I am in Florida, and do not purchase or visit that store ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$180.00}, {$0.00}, {$6800.00}, {$2100.00}, {$0.00}, {$910.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$910.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 


XXXX XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX - CLOSED LATE PAYMENT XXXX XXXX XXXX  XXXX - Collection/Chargeoff XXXX XXXX XXXX  - Collection/Chargeoff XXXX XXXX  Collection/Chargeoff UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Checking or savings account

Wells Fargo ( herein WF ) owes me at least {$500.00}, and the measly {$25.00} check they're sending me within 10 days will NOT be cashed. 

As in my previous complaint ( # XXXX ), WF promised to pay me {$200.00} if I left my bank, became a WF customer, and used my ATM card at least 10x a month for 60 days. Imagine my angst when I go to pick up my {$200.00} and they come up with " you should have brought us a coupon code. '' This bank has caused me at least {$800.00} in fees, I had to get a loan because I was losing so much money because WF is crooked - they gave me an account that wouldn't allow me to spend my own money - I was only able to spend {$500.00} a day. What XXXX XXXX made that up? Did they not think of rent? Car note? Life?????. 

And what makes it even worse? What XXXX me off even more? The letter attached to the CFPB response by WF - they said they looked over my account and saw that I had incurred international ATM fees and that's where my money went - WHAT??!?!?! I live in Texas, and have nothing to do with any type of international travel. So that's ANOTHER lie! WF isn't aware of how much money I had to spend because they haven't bothered to ASK me! 

I will continue filing a complaint against this crooked bank until they give me what they know they're supposed to give me.
Product: Student loan

AES loan terms have gotten to the point of being unreasonable. Even though I have expressed trouble making the payments, they have not attempted to work with me to pay them reasonably.
Product: Checking or savings account

Sorry, I don't have exact dates because I didn't think that this would become a problem. Last fall I contacted PayPal by phone because I couldn't close my account online. Their website would not let. me. The person I spoke to told me what I should do, and I did that and waited. After a few weeks of no contact, I called again. This person told me to do something else to do ( submit a debit card ). Which I did. Weeks later I called a third time to find out what was happening, and was told something else to do. Which lastly, did not work either. I go to the website to try to have them send my my money and close my account, but even with numerous updates. The website still doesn't work for me and there is no one to contact, except foreign operators that have no authority to help. My account still has {$320.00} remaining in it and all I want to do is to close my account with them and have them send me my money. I just don't use their services anymore. They have sent me money many times in the past when I requested it. I literally can't figure out what their website problem is and no one on the phone can help me. 

Name ; XXXX XXXX XXXX ; XXXX ( or ... pm.me ) Address ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ; XXXX, home, can call anytime ( must be human, not XXXX )
Product: Debt collection

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX Upon reviewing my credit report, I discovered that JEFFERSON CAPITAL SYST has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting.

Pursuant to 18 USC 8, I assert that I do not owe any debt to JEFFERSON CAPITAL SYST or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation.

Furthermore, it has come to my attention that JEFFERSON CAPITAL SYST is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$9900.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX - Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

XXXX - XXXX - Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

XXXX - XXXX - Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

XXXX - XXXX - This is not accurate. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXXXX/XX/year>XXXX  - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day I 've sent a letter regarding this matters and some of this has been handled however this is n't my problem. This issues are the duplication of pulled inquires on my credit report. I 've sent Equifax this information over numerous times but have not verified anything with me. I receive a letter from Equifax stating they have verified everything but never sent me anything from the companies. I 'm extremely frustrated with this matter. This will be a on going process if Equifax does not handle things on their end. I 've submitted something on the XXXX XXXX, XXXX XXXX, XXXX XXXX and now XXXX XXXX. These are the companies : XXXX XXXX XXXX X/X/2016 and X/XX/2016 XXXX XXXX XXXX XXXX : X/XX/2016, X/XX/2016, X/XX/2016 XXXX XXXX : X/XX/2016, X/X/2016 XXXX XXXX : X/XX/2016, X/X/2016,  X/XX/2016, X/XX/2016
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My right to privacy is being violated by XXXX, in accordance to 15 U.S.C 6801 ( a ) FCRA. I have the right to privacy of my personal information. I find the obtaining, selling, and furnishing of this XXXX  XXXX Bankruptcy information to be an invasion of that right and demand that the bankruptcy accounts be removed immediately from my consumer report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX