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

To Whom It May Concern, I am a victim of identity theft. Please help me with the removal of the following fraudulent inquiries from my Equifax credit report : XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX I have already sent a request to Equifax asking to remove the inquiries. However, they declined my request. 

I have no connection to these companies and have never sought any form of credit or financial services from them. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate or fraudulent information on my credit report. 

I have submitted XXXX report. Please find it in the attachments, along with other documents. 

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

Dear CFPB, I am writing to report that I am a victim of identity fraud. The following accounts were fraudulently opened in my name without my authorization : XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Additionally, the address XXXX XXXX XXXX was fraudulently associated with my identity and does not belong to me. I did not consent to the use of this address or the creation of the above accounts. I kindly request an investigation into this matter and assistance in resolving the fraudulent activity. Please let me know if you need further information or documentation to support my case. Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently expressed to TransUnion that they did NOT get my XXXX XXXX XXXX XXXX to furnish inaccurate information, let alone ANY information to my credit file. TransUnion is in violation of XXXX and XXXX. Their unsound practice has caused my family, and I major financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am writing to request the immediate removal of an item currently reporting on my credit file, which involves private and protected information that should not be included. The account in question is identified by the following : XXXX XXXX XXXX XXXX XXXX - ACCT : XXXX - AMOUNT : {$730.00}.
Product: Credit reporting or other personal consumer reports

I just received my investigation results. Report # XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, a consumer and natural person, am aware of all rights that I have and are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.
Product: Checking or savings account

Wells Fargo has locked me out of my online banking. Im XXXX  living in XXXX XXXX. Theyre saying I have to go to a branch in USA to get it back open. Over the last 3 weeks Ive talked to 20 different people. They all say same thing, I have to go to a branch in USA. I let them know I was moving and traveling internationally. Apparently they have no way of helping international travelers! They cant use international numbers or email to verify account information, only US numbers. The reason they locked me out of my online banking is because I used the service they provide to make a wire transfer to someones account at one of XXXX XXXX biggest banks. They marked that as suspicious! They offer a service on their online banking website, and then they cause problems when you make the simplest of transactions! Ive had to waste lots of money on hotels and transportation because I havent been able to transfer money to buy a car. I think this is negligence on their part and malpractice. Is there anything we can do to file a complaint about Wells Fargo international services? I would also like to be reimbursed for the money Ive wasted! Thanks, hope you can help!
Product: Credit card or prepaid card

I have a credit balance on my Citi Double Cash card for {$7600.00} and I have been trying to have Citi Card make a bank transfer of it to my personal checking account. 
I called up Citi Card customer service on XX/XX/2020 and they said it would occur in 5-7 business days. 
The money never arrived and I called up Citi on XX/XX/2020 and was told my transfer is still waiting for approval. 
The money never arrived so I called Citi onXX/XX/2020 and was told my transfer was approved on XX/XX/2020 and it will take 3-5 business days. 
The money never arrived so I called Citi on XX/XX/2020 and spoke with XXXX who initially said my transfer was not approved, so I asked to speak with his supervisor who said my transfer was approved on XX/XX/XXXX and he will expedite the transfer and it will take 1-2 business days. 
I still have not received my {$7600.00}, and have been told multiple and differing reasons why. 
I wish to hold Citi Card accountable for my money and wish to receive it in a timely fashion.
Product: Bank account or service

I have many inquiries on my XXXX account listed for the year 2015. I have not applied for any credits because of the debt on my credit files. Applying for credits with a debt will lower my credit score. I believe a third party is using my personal information for business.
Product: Money transfer, virtual currency, or money service

I have contacted XXXX and the binance ticket XXXX  desk. 

I ACH transferred US dollars to this account and purchased XXXX tether with the intention to transfer this money to a working platform ( invest there ). 

Since XXXX  0f XXXX, Binance is barring this account from transfers without explanation. I have written numerous time and have never received a response to my inquiry " Why are transfers from this account being blocked? '' This company has a complaint history of poor service and there are allegations of theft of their customers ' funds.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am concerned with Equifax, Experian and Transunion with how my private information and consumer privacy has affected the ability to receive fairness, equal opportunity and credit protection/extension. In accordance with the Fair Credit Report Act 15 USC 1861 section 692 states there is a need to insure that consumer reporting agencies exercise exercise their grave responsibilities with fairness, impartiality and respect for consumers right to privacy. These agencies have infringed on my privacy as the consumer in accordance with Privacy Act 1974. I have the right to make sure my information is private and who to disclose the information to or not with my permission. 15 USC 6801. Congress states that financial institutions have an affirmative obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers. In addition, 15 usc 1681 section 604 section 2 states that in general subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; with written instructions of the consumer to whom it relates to. The financial institutions and the consumer reporting agencies have not recieved my permission to report these inaccuracies and disclose this information nor did I give written instructions or consent for this to be done. It is hereby any and all consent to Equifax, Experian, Transunion whether it be verbal, non verbal, written, implied or otherwise is revoked. 15 usc 6802. These agencies never informed me of my right to exercise my non disclosure option. It is against law to commit these crimes and report adverse items to my report without my permission. 15 usc 1681 states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to lint the furnishing of consumer reports to the purposes listed under section 1681 b of this title. *FERPA ( Student Loan Removal ). These agencies are not maintaining or regulating proper procedures in accordance with law govern by Congress. Today I am opting out of your reporting services in accordance with 12 CFR 1016.7 and to remove all negative reports, hard/soft inquiries and charge offs.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$590.00XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4300.00} XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX **InquiriesXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the this account : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXXXXXX If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

The company is Paypal. I made a payment that was a scam and i didnt receive goods. Paypal said because i did the transaction was authorized and made with friends and family option they can not help me and i need to pay. I withdrew my money from the csrd that was associated with Paypal and now Paypal has a negative balance on my account. I asked them to take the money from the person that scammed me and is using their platform but they did not help any more
Product: Debt collection

I rented an apartment from The Avenues at XXXX XXXX. I moved out and to NC in 2016. I gave a 30 day notice in writing 3 times because they kept losing it. I had the apt professionally cleaned and turned everything in to the office. A year later, rent debt automatic collections, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX begins collections for {$6500.00}. I disputed it on my credit report twice. Ive called The Apartments at XXXX numerous times, have left voice mails and have never been called back. I do not owe this apartment complex any money and want the resolved and off of my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still reporting on my credit report, this account doesnt belong to me and the credit bureaus were given the police report to remove such item. This debt is also expired. Contacted both the merchant and credit bureau and they are in violation to keep reporting this item. 
XXXX XXXX AC # XXXX {$890.00}
Product: Credit card

I was informed on XX/XX/year> that an XXXX XXXX  subscription, that I did not want to renew, was set to renew. So I went in, logged into the account, cancelled the auto renew, and informed them that I did not wish to renew via email, and got no response from them via email. The next day, I called them, and they said the renewal already went through and therefore I could not cancel a subscription I did not want or need. I had used my Target Red Card at the time for this transaction. So I put in a dispute with Target and explained the situation. They did not solve my dispute, sent mail to my mail box that would arrive the same exact day they wanted the mail to be returned by to proceed with the dispute, and generally did not seem very keen on wanting to help me with my dispute the way that XXXX XXXX has always managed to when I had issues with a merchant. I got a denial letter of my dispute from Target Card Services saying incorrectly that I tried to cancel on XX/XX/XXXX, when in reality I cancelled XX/XX/XXXX. Additionally, my credit card charge for XXXX XXXX had been in the pending stage when I had first attempted to dispute the charge, meaning I did attempt to cancel the subscription before it was even an official charge on my statement, and XXXX XXXX cited a policy that counts on Americans forgetting about their subscriptions and being charged for them. I did not intend to use American Greetings this year, and I would like some resolution because both companies have failed me. Even if CFPB can not help solve this issue, at least I tried.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX  XXXX and, XXXX XXXX XXXX has XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I settled my account for less with XXXX XXXX XXXX XXXX when they agreed to take {$14000.00} as the payoff of my auto loan account # XXXX by XXXX XXXX in XXXX, Minnesota XXXX who can be reached at ( XXXX ) XXXX. In XXXX XXXX XXXX XXXX XXXX started reporting that we had not settled and that they had charged off the remaining balance of {$9100.00}. the XXXX XXXX representative spoke with myself and XXXX XXXX who is the XXXX XXXX employee who processed the sales of the XXXX IS XXXX and provided the payoff to XXXX in order to settle the account. I was told verbatim that they would not report the remaining balance as charged off because opposed to turning the vehicle over to XXXX I had gone out and got an offer from XXXX XXXX for {$14000.00} that they agreed they would accept to settle the account. I mailed my complaint about this matter to all 3 major credit bureaus by certified mail on XX/XX/XXXX,  in which I have already received correspondence from XXXX that they have started the dispute as they are required to within 30 days by law. On XX/XX/XXXX Experian send me a letter saying that they could not process my dispute because I had not provided sufficient information, or that the documents were not legible. I am attaching all documents to this dispute and you will see that not only did I provide all information necessary to initiate my dispute, but that it was absolutely legible. I am about to go through a background a check for a new job and I will not hesitate for even a moment to sue XXXX and Experian to the full extend of the law if this is not corrected IMMEDIATELY as this is fraud on behalf of XXXX XXXX which they have shown us all they have no problem with, and this could also result in a failed background check if this remains on my credit report in which I would sue for loss of wages as well. I recommend the Experian and XXXX XXXX do not take this complaint/dispute lightly or try to delay correcting false information any further or I will have my attorney be the next person to take action. We are so thankful that XXXX XXXX has recorded all phone calls on my account so that if I am forced to bring them to court they can help us verify that the statements above are truthful. Please remedy this inaccuracy immediately. I am simply shocked appalled and offended to see XXXX XXXX trying to get away with this even after they just defrauded millions of Americans. Experian received my dispute via certified mail with return receipt, no later than XX/XX/XXXX so the clock is ticking until 30 days is up. Please do n't make me escalate this any further as I will be submitting a complaint with the FTC today as well. Sincerely, XXXX XXXX XXXX