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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXXXXXX  XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

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

It is showing on all 3 credit bureaus ( XXXX, XXXX and XXXX ) that I was 30 days late 2 times and 60 days late 1 time. I have never been late. I have always been on time. It is my belief that they are reporting the wrong information to my credit report in which it is hurting my credit score. I request that this information be corrected to reflect current for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX Installment account with account opened on XX/XX/XXXX and a balance of {$24000.00}. 
I previously disputed this account stating : " I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. You have failed to provide me with this information via mail Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information and this account. 
XXXX  XXXX Revolving account with account opened on XX/XX/XXXX and a balance of {$140.00}. 
I previously disputed this account stating : " I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Collection account from XXXX with account and a balance of {$4300.00}. The original creditor is XXXX XXXX XXXX 
I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Product: Debt collection

I have been a member of lendumo since XX/XX/XXXX of XXXX. The first loan I took out was {$300.00} and my amounts were {$48.00}. I paid off that loan on XX/XX/XXXX on XX/XX/XXXX I took out another loan of {$810.00}. I paid down the principal on that one and I paid off that loan on XX/XX/XXXX. I applied for the third time on XX/XX/XXXX for {$900.00} I paid down the principal and the payoff date is XX/XX/XXXX of XXXX in total, I was able to make XXXX payments. I reached out last Wednesday, XX/XX/XXXX explaining that I am going through a hardship to revoke the ACH. I am struggling to make ends meet and I am on a fixed income, barely making it. The principal amount is {$830.00}. I would like to settle for the principal amount and consider it paid in full and I would like to pay that in installments once my finances get better. Yesterday afternoon I received a call from. XXXX but there was no voicemail left I am on a fixed income, barely making it. I have been a customer with XXXX for a year and I hate to be behind but with my income and expenses increasing its Im finding it difficult to make the payments on time in total I was able to make six payments so far. I would like to settle for the principal amount which is XXXX and consider it paid in full, but paid in installments. I am looking forward to a resolution to this matter. And to please cease and desist communications, so I can focus on my finances
Product: Debt collection

I have an account with them, but they keep calling a number that is n't mine that I asked them not to call. They said they removed the number, but they are still calling it.
Product: Money transfer, virtual currency, or money service

In light of the CFPB recent lawsuit highlighting significant issues with the Zelle platform, I am writing to formally express my concerns regarding Zelles handling of disputes. Despite using Zelle numerous times & reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible & tracking the transactions infeasible. Based on the CFPBs findings, Zelle has not only neglected to protect consumers but has also allowed for repeat offenders to exploit the system; leaving users vulnerable to scams. The lack of accountability & transparency is unacceptable ; it raises serious concerns for consumer safety.
Product: Consumer Loan

I have had santander usa as my car loan for 3 years and yes ive made plenty of late payments but i think something is really wrong i purchased the car for XXXX and its been 3 years ive paid lump payments upto XXXX and just to catch up well my car was repo 'd about 4 days ago i got a letter stating i owe XXXX and that once its sold im responsible for the remaining how is it thats its been 3 years and i owe more then what i purchased it for and its only worth XXXX as of today cause i tried to get rid of it just not to have this sitting on my credit but i think something is not right at all i need help i think they have robbed me of all the monthly payment i did submit cause it just looks like i paid interest every single month for 3 years please help.
Product: Checking or savings account

XX/XX/XXXX wells fargo bank sent me a letter of apology with a cheque valued at {$400.00} for a set-off that was performed in error from my savings account. The set-off performed XXXX XXXX, XXXX was to cover an overdraft in my checking account for {$310.00}. This process was not suppose to be carried out since I had previously removed the link between the two accounts. 

I called the bank explaining to them the errors in this situation and that the money was intended for my car payment. Despite my explanations they said " we can do whatever we want with this money. '' As a result my car was repossessed XXXX XXXX, XXXX because they took a portion of the {$2300.00} I had in my savings for the loan provider. Even though I explained to my loan provider what the bank did the loan provider would not accept anything less then the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am not a third party, I am a person. My name is XXXX XXXX, and I am a victim of identity theft as I have previously notified Experian
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXXXX/XX/XXXX), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX  XXXX auto on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number ( XXXX  ), and a collections account opened at impact receivables XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned These accounts have resulted in several fraudulent hard inquiries XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a maintained by you which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There is identity theft occurring on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX - XXXX XXXX  Account Number : XXXX Reason : Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to Equifax being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX XXXX XXXX the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, XXXX XXXX, and any other actual damages caused as a result of the failure.
Product: Debt collection

My wife received phone call, in 2014, stating she won a gift card. Along with this conversation she was asked several questions, XXXX of which being her favorite magazines. A month or so later I noticed we were getting billed by an unknown company " XXXX XXXX '' which I assumed was from the phone conversation. When we attempted to call the number back, the individual who answered stated that they had received numerous phone calls regarding this issue, but was in way affiliated with the activity. After this we went to our financial institute, XXXX XXXX XXXX, and had them investigate the matter. They determined it to be fraudulent, refunded our money and halted all further transactions. This has been over a years time with no word since, emails, calls, mail etc. Last week we received a collection letter for {$1100.00} from another company " XXXX '' through Malcom S. Gerald and Associates, Inc. My wife never agreed to any contract or services of any form. These charges are fraudulent and we would like to get this taken care of before any negative impact may hit her credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXXContents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On  XXXX   XXXX ,  2017  A collection report was placed on my  XXXX  and   XXXX   report in the amount of {$310.00}.
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 Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 supposed to modify accounts that aren't reporting correctly.

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

This debt was not even mine. My friend used my info when I was living with them and opened this account fraudulently. When I moved out they never changed this and screwed me over. This needs to be removed and forgiven as it 's ridiculous.
Product: Checking or savings account

hi- there was a fradulent cheque written on the business account- it is cheque number XXXX for XXXX on XX/XX/2023 PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX michigan Police report number XXXX - XXXX XXXX police department XXXX XXXX XXXX I would like these funds returned to me as soon as possible As there is a very large amount of cheque fraud that is going on right now in XXXX XXXX- where someone is taking the cheques out of the mail box at XXXX mile and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Dear Equifax, I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( Account Number : XXXX ) for which I have maintained timely payments. 

As outlined by the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of the information they report. I kindly request a detailed investigation into these discrepancies, and I would appreciate verifiable evidence, such as account statements, substantiating any late payments. 

If such evidence can not be provided, I request that my record be updated promptly to accurately reflect my consistent payment history, as stipulated in FCRA Section 611.

Furthermore, I would like to remind you that according to the standard timeframe provided by the FCRA, there are only four days remaining to complete the investigation from the date of my initial inquiry. I trust you will adhere to this timeline and keep me informed about the progress and eventual updates to my report.