23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Sec XXXX Under XXXX XXXX XXXX XXXX ( XXXX ) 15 USC XXXX 15 USC XXXXi XXXX XXXX XXXX XXXX XXXX XXXX 15 usc XX/XX/XXXXe ( b ) 15 usc XXXX ( A ) UCC XXXX Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, 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 XXXX 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 XXXX, Equifax, 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 Equifax, XXXX, 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. XX/XX/XXXXi ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XX/XX/XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, 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 XX/XX/XXXX now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$880.00} XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$860.00} XXXX & XXXX BANK Date Opened XX/XX/XXXX Balance {$610.00}
Product: Credit reporting or other personal consumer reports

Transunion has claimed that they have deleted several hard inquiries from my consumer report that were proven to be fraudulent. However, all of those hard inquiries are still listed under my consumer report today. Here 's the list : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive XXXX  Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have confirmed on XX/XX/2022 with XXXX XXXX XXXX that my account is NOT delinquent and it should not be showing as such on my credit reports and they have confirmed that they have no records showing that my account is delinquent yet it is showing as such on all three credit bureaus. This needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is very low due to identity theft. I am currently in financial ruin and get XXXX XXXX when faced with the reality that my character and credit has been smeared.
Product: Checking or savings account

on XX/XX/XXXX my husband and I went to XXXX XXXX  to get our 2004 tax bill reviewed and our tax specialist gave us a letter to send to the IRS it was nothing more complicated he said he was billing us XXXX  dollars for the consultation however we noticed the next day he had charged our debit card for {$170.00} which is XXXX  dollars more than we agreed to, I called him to get some explanation of these charges and he had to call me back then texted me to apologize an said he couldn't reverse the charges and I would have to have my bank reverse the charges then he could bill me the correct amount so I went to the bank who gave me a temporary refund of the XXXX but after their review of the info im guessing he didn't admit to what he did because the bank now says they cant refund me for his services they're letting him charge me the XXXX dollars that will be again billed to me on XX/XX/XXXX this is insanity also im not entirely sure but we may have also paid him again the XXXX  after we were refunded so he may be getting away with almost XXXX for what should only ever been XXXX  his name is XXXX XXXX at XXXX my bank id us bank at XXXX is diret line to XXXX at card sevices who denied my claim I need help and soon they cant charge me so much more than was agreed to how can they do this no he didn't give us a receipt either didn't think we needed one XXXX XXXX  never tried to rob us before so we left there feeling pretty safe I guess you never know it can be anyone we were at XXXX  on XXXX XXXX in XXXX this guy also works at the XXXX XXXX in XXXX Utah please help me I don't want his services free I was happy to pay the XXXX  I do not want to pay any more than I owed him
Product: Credit card or prepaid card

In XX/XX/2022, I purchased XXXX once and cancelled after my cats refused to use this litter. A few months later, XXXX, another {$100.00} package arrived and I immediately requested to return the unopened and unsolicited box. 

XXXX 's customer service ignored my request for days and I kept texting them for a return label. Finally got the label and returned the product but XXXX failed to issue a refund. I noticed the missing refund 60 days later and contested the charge with the credit card. XXXX responded with someone else 's personal information and Discover Card refused to issue the refund due me not having a copy of the return label showing the address that XXXX returned the package. 

The tracking details were inadequate since there is no address on that receipt. XXXX is still fighting with me even though they acknowledge receiving the returned box less than a week later via text messages. 

As I did my research, I discovered that XXXX XXXX just bought XXXX - I'm guessing that the past CEO was overstating sales in order to gain a higher valuation. 

The BIG ISSUE is that Discover Card accepted the wrong information for an unknown person and decided in favor of XXXX. XXXX refuses to refund this money until I withdraw my appeal with Discover Card. Discover Card is denying that they shared the Personally Identifiable Information ( PII ) for another XXXX  customer, violating XXXX XXXX 's privacy, and likely violating my privacy by sharing my PII with another customer appealing the charges from XXXX.
Product: Credit reporting or other personal consumer reports

I have noticed auto loans that I didnt even know about and also unauthorized stuffs that I never knew about. XXXX XXXX XXXX so im XXXX XXXX. I never give permission to those people to run my credit
Product: Credit card or prepaid card

This originally started in XXXX with card number ending in XXXX. There was a fraudulent charge on my card. As you can see in exhibit 1, I asked Wells Fargo to close the account. In order to get them to review this fraudulent charge, it took letters, many, many phone calls. I repeatedly asked them to close this account only to find out it was not closed. I am asking when the account ending in XXXX was actually closed. Now years later XXXX & XX/XX/XXXX, I get a new fraud alert. The fraud alert that I just received is on 2 different account, one ending XXXX & XXXX. I NEVER opened these accounts, NOR DID I EVER REQUEST a new charge card with Wells Fargo. I want to make sure that Wells Fargo has NO open accounts at all for myself. 
i now have to go through the whole process again of faxes, letters and calls stating I did not use these two cards when I had no idea these accounts were even opened in the first place. How is it possible that Wells Fargo opens charge cards without a customer permission? I would like the call I made to Wells Fargo on XX/XX/XXXX reviewed. In the call, I was advised that there was a note on my account to leave the card open, but send no notices in the mail. Why? If you review all of my phone records you will see that I called many times asking for my card to be closed and NEVER did I request a new card be opened. 
I have several questions- When was the acct ending in XXXX closed? How did 2 more accounts get opened, ending in XXXX & XXXX? What will it take to get Wells Fargo to close all accounts opened in my name and make sure another account is not opened without my permission? I want all the activity on these accounts paid by Wells Fargo since I did not open the accounts. Please help. This is causing extreme XXXX  and XXXX, I do not want the credit I worked so hard to achieve gone over accounts I never opened. Please contact me with any questions at XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to request the removal of an account from my credit report that has been negatively impacting my credit score. 
I want to express my gratitude for your willingness to work with me to reach a settlement on these accounts. It was a challenging time for me, and I appreciate the understanding and cooperation that your team extended during the negotiation process. 

As part of our settlement agreement, I fulfilled my financial obligation by making the agreed-upon payment. Since then, I have upheld my end of the agreement by maintaining timely payments on my other financial obligations. I believe this demonstrates my commitment to improving my financial standing and taking responsibility for my credit history. 

Now that I have fulfilled the settlement agreement, I kindly request that you take the necessary steps to remove this account from my credit report. I am aware that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies report accurate and up-to-date information. Given that the account in question has been settled, I kindly request that you report the updated, accurate status to the credit bureaus. This action will help me rebuild my credit and move forward with my financial goals. 

Please consider this letter as a formal request under the FCRA to investigate and update the status of this account on my credit report. I kindly request that you provide me with written confirmation once the account has been updated or removed from my credit report. 

please do not hesitate to contact me at XXXX or XXXX I appreciate your prompt attention to this matter and your cooperation in resolving this issue. I look forward to a favorable response and the timely removal of the account from my credit report. 

Thank you for your assistance in rectifying this situation and helping me work towards a better financial future. Your cooperation in this matter is greatly appreciated.
Product: Debt collection

I have no knowledge of this company and have never done any business with such ( OLIPHANT USA LLC ) .I know for a fact that I never signed any papers with such company therefore I'm requesting that this derogatory information be removed from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to express my frustration with Equifax. This company keeps on reporting unverifiable accounts even after disputing with them a number of times. EVEN The creditors Have Agreed to DELETE but this company is still reporting this account to date. The creditors sent a request to this company to delete, so I don't know why it still keeps on reporting this account.

Below is the account whose creditor has agreed to delete but Equifax is still reporting : 1. XXXX XXXX ACC # XXXX, Date Opened XX/XX/2017 I am attaching prove of creditor accepting to delete this account for reference.
Product: Mortgage

PNC Bank is the servicer of my current XXXX XXXX home mortgage. PNC was assigned as my servicer when my loan was sold on XX/XX/2020 after my most recent refinancing. I submitted a request in writing ( via email per PNC policy ) to terminate my escrow account on XX/XX/2020. After multiple inquires via telephone, I received a letter date XX/XX/2020 approving the removal of my escrow account. Unfortunately, this letter also stated that PNC will be charging a " escrow account closure fee '' of {$670.00}. After multiple phone conversations, including the highest ranking supervisor with which I was allowed to speak, I was informed that there is no way to remove this fee and that it is all legal per my loan conditions. In the previous three refis, I have never run into this sort of issue. I've closed multiple escrow accounts over the years on several properties without ever being charged a " closure fee. '' I've never been late on a payment, never asked/received any bank assistance, and have more than any required equity in this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have corrected the fraud account after the XXXX XXXX  sent all 3 agencies a letter saying I was not responsible for charges incurred on a fraudulent card. I have been working with lifelock restoration team. 
The letter from bank wss first sent to all 3 agencies on XXXX XXXX. 
Transunion told me they did not get it. The bank on XX/XX/XXXX sent them the letter clearing me again. 
Transunion got same documents as XXXX and XXXX but is now asking me to wait another month until their " dispute '' time is up. 
I am trying to buy a home and am being held up XXXX Transunion. They have still not updated their report. They want me to pay to get my credit score and report. That does not seem right.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft resulting from a recent data breach. Due to this incident, several unauthorized accounts have appeared on my credit report. These accounts were fraudulently opened or reported without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following accounts from my credit report : Fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing the collection account, XXXX XXXX XXXX, Original Creditor XXXX XXXX  XXXX XXXX, to be re-aged to look more recent and therefore stay on my credit report longer than it is supposed to. 
My Equifax credit report says the account XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX {$1600.00} was opened XX/XX/XXXX. 
Enclosed are 3 collection letters from when the account first became delinquent in XXXX of XXXX. This account was never brought to current. .I have enclosed monthly statements from the original creditor XXXX showing delinquency as far back as XX/XX/XXXX and remaining delinquent. I have disputed this account with Equifax before and they always say it's accurate. It is older than being reported and is wrong.
Product: Money transfer, virtual currency, or money service

Im writing to address my concerns about how Zelle handles disputes, especially given the recent CFPB lawsuit that revealed major issues with the platform. Despite being a frequent user of Zelle and reporting transaction discrepancies, neither my bank nor Zelle conducted a proper investigation into my claims. I was told recovering my funds was impossible and that tracking the transactions wasnt feasible. The CFPBs findings show that Zelle has failed to protect its users and has allowed repeat offenders to exploit the system, leaving customers exposed to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer safety.
Product: Debt collection

I was called at all hours of day & night Some calls at XXXX. Some at XXXX XXXX all west cost time. With them telling me I will go to jail with the warrant. They call friends & family telling them the same thing. Harassing friends and family. Contacting credit reporting agencies several times a week. Report to my credit report five times a week in some cases. Lowering my credit score from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

The following companies made inquiries to purchase a car that I did not apply for or ever heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I had a balance of {$100.00} with my Kohl 's Charge Card. On that date, XX/XX/20, I submitted a payment in the amount of {$9.00}. On XX/XX/20 I made a final payment of {$100.00}, the remaining balance. This should have brought my balance down to " XXXX '' by XX/XX/2020 in time for the new billing cycle/statement. On XX/XX/2020, it came to my attention the initial paym ent of {$9.00} had been reversed, and I was charged a {$25.00} return fee. I immediately re-submitted the payment for the {$9.00} and called customer service. I spoke with a supervisor, XXXX - ID # XXXX. He " assured '' me he would waive the {$25.00} return fee, and it would take " 24-48 hrs. '' This was on XXXX XXXX, and it is now XXXX XXXX. The {$25.00} has not been waived, and now the amount has been reported as a statement balance to the credit bereaus. I paid my balance in full to AVOID having a balance reported to the bereaus, and now they've cheated with dishonesty and lack of " follow through. '' The solution I want is : 1. Remove the {$25.00} fee as was promised, originally.

2. Report the new XXXX balance to the 3 major credit bereaus.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I had XXXX my credit card became pass due, I was told by the the bank they would correct my issue with the card & remove the negative marks on credit report they completed everything by XX/XX/2020 they sent me a letter in XX/XX/2020 stating that if I get my account up to date they would remove the restriction, I spoke with a rep who finally reviewed the account & noticed that capital one didn't do monetary adjustments to my account and she did which took my account out of being late but I was told because it was past the cutoff of 120 past due it will be restricted & can't be removed. My complaint is if the would've removed the monetary adjust & fee 's my account wouldn't be in a past due status