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

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX XXXX  which is enclosed with this correspondence.
Product: Credit reporting, credit repair services, 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 items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
SOCIAL SECURITY ADMIN XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some Fraud Transaction from USAA and they kept telling me to call this number which I have over and over ( XXXX ) XXXX and then when i contact their direct manager they told me that they never gotten any voice mail???? isn't that odd? at least try to call me back when i left you multiply message and you respond to that USAA but you couldn't or don't want to call me back, what the deal!!! COVID 19 is going around and USAA doesn't care about helping nobody ... .stop charging me with Fraud ... ..I called you guys so many time ... are you guys even working??? I even left you guys a message and you guys could only respond to that and kept telling me to call that XXXX XXXX XXXX number which i have so many time, just to find out that nobody want to pick up or call me back ... ..so kind of company this is ... and I should have done my research about this horrible company ... I just hope everyone see this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$24000.00} - I was very sick and was affected by COVID. Please update late payments on this account. 

XXXX XXXX Balance Owed : {$8800.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. 

XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me recovering funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below.

Below are the details of the unauthorized accounts and inquiries I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.
Product: Debt collection

I requested a documentation that shows that i have a binding agreement with the collection agency or the creditor, whom they are trying to collect on behalf of. They did not send me any information other than a letter stating that i owe an amount that i do not remember ever having.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here are the list of accounts/items which do not belong to me or were opened without my permission. 
Inaccurate addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX and U.S. Bankruptcy Court XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 of 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.
Product: Checking or savings account

On XX/XX/2023 a credit of {$190.00} was posted to my checking account as Pending with the funds stated as accessible on XX/XX/XXXX. On XX/XX/XXXX they were still Pending and not accessible to me. On XX/XX/XXXX, the status on my account remained Pending but he posted date changed to XX/XX/XXXX and accessible funds date changed to XX/XX/XXXX and the funds are still not accessible. 

I brought it to the attention of the XXXX XXXX and she didn't understand why the funds were not available either and the date changed the first time this happened. Then I knew this was a problem. 

This is the second time I'm having this issue with XXXX XXXX XXXX XXXX. The previous time was with XXXX. They submitted a credit to my account. XXXX XXXX XXXX XXXX held the funds as Pending for 5 days, kept moving the Pending date for 3 days until the funds were available to me. Each time XXXX XXXX XXXX XXXX claimed it was a problem on the company 's end not theirs which was completely false. 

This time I made the mistake of not taking pictures each night with my phone to prove my point but I am going to do this tonight. The intentional illegal withholding of funds for whatever reason is a practice of theirs which needs to be investigated. Since this is the second time, I'm filing the official complaint and not discussing it with their corporate office again.
Product: Checking or savings account

PNC takeover of BBVA compass bank is a total disaster. The switchover was XX/XX/XXXX and to date accounts are mot showing up, bank employees unable to help, phones not answered. PNC rushed to switch all of BBVA account to PNC and really screwed up badly. We can't get an answer of when they will fix the problems.
Product: Checking or savings account

A creditor submitted a redraw of {>= $1,000,000} to my personal bank account of which I did not authorize, did not know about and caused the account to be frozen by the bank. As a result, I have no means of taking care of my family, even buying food and household items needed for them. I can not pay my mortgage or buy gas to take children to school or go to work. 

The background reason is that this amount is from a debt. I borrowed XXXX XXXX to open a restaurant that failed. While I am the guarantor for the loan, this amount and other debt from other businesses are all being included in a bankruptcy. With the bankruptcy, the Suntrust bank where I have my personal checking should not have posted the amount submitted by the creditor and should have at least called or written me to verify. I would have informed the bank that I am in bankruptcy and that the account should not be frozen. 

As I understand, when in bankruptcy, all debt collection should stop until the Court decides on all debt. So I do not understand why my bank will allow this. 

When I called the bank, no information would be given to me except to call a phone number. When I called the phone number it went to a place that sounded like a law firm or debt collection business but no one answered me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS COMMITTING ILLEGAL ACTIVITY AND DENYING ME ACCESS TO MY TRANSUNION CREDIT REPORT AT XXXX. FOR TWO MONTHS NOW CLAIMING AN INVESTIGATION IS IN PROGRESS, WHICH IT IS NOT!! IM opening a new complaint and suing them. They did not investigate and remove XXXX and XXXX XXXX XXXX from my credit reports which are fraud and illegal accounts WITH ILLEGAL FRAUDULANT AMOUNT WHICH UNDER SECTION 609 OF FCRA, TRANSUNION must REMOVE THIS FRAUDULANT ILLEGAL XXXX $ DEBT IMMEDIATELY. I DONT OWE THEM MONEY AND THIS IS AN ILLEGAL FRAUDULANT DEBT. Transunion did NOT perform a FCRA 609 investigation and PROVE in writing TO ME I owe these companies money for a legitimate debt which I DO NOT. Transunion is REFUSING to allow me access to my online credit report for two months!! IM NOT CALLING YOU ON THE XXXX  PHONE AND SITTING ON HOLD WITH YOUR DEVELOPING WORLD CALL CENTER FOR HOURS TO GET MY CREDIT REPORT!! CFPB STOP TRANSUNION FROM BREAKING THE FCRA LAW AND I STILL CAN NOT ACCESS MY TRANSUNION CREDIT REPORT AFTER MONTHS AGO ON FTC FREE CREDIT REPORT WEBSITE. I HAVE REPORTED TRANUNION TO THE DC AND DELAWARE ATTORNEY GENERALS OFFICE, CASE NUMBER XXXX! Transunion despises and discriminates against XXXX people AND XXXX veterans and intentionally causes them pain suffering and emotional distress!! I INTEND TO SUE TRANSUNION, ITS PRESIDENT AND ENTIRE BOARD OF DIRECTORS FOR PAIN SUFFERING AND EMOTIONAL ABUSE. TRANSUNION IS NOW SOLELY REPSONSIBLE FOR ME NOT BEING ABLE TO PUT A ROOF OVER MY HEAD. THEY REFUSE TO PLACE IN WRITING THAT I DO NOT OWE XXXX OR XXXX ANY MONEY! REMOVE TRANSUNION AND XXXX FROM MY ACCOUT IMMEDIATELY!! IN ADDITION, TRANSUNION IS RE-AGING THESE FRAUDUALNT ALLEGED ACCOUNTS TO MAKE IT APPEAR THEY ARE RECENT, WHICH IS ILLEGAL AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was never a late payment. The name of the Company is XXXX XXXX XXXX XXXX. The company has numerous of scam issues against them. Yet XXXX, Experian, and XXXX have enable them to falsely report information. Saying that the information is verified without asking for any proof. In fact, I do not owe XXXX XXXX XXXX XXXX anything nor I was late. Please proof that I was late!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payments were made on XX/XX/year>, which falls within XXXX  ' standard XXXX grace period. Therefore, the account should not have been reported as XXXX or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a XXXX and XXXX late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am reaching out to express my concerns regarding several issues I've encountered with the credit bureau. These issues include incorrect account listings, numerous unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I would appreciate assistance in resolving these matters to ensure my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX 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: Debt collection

Dear Sir or Madam, A few years back I contacted FTC in reference to Harvard Collections I also contacted the XXXX, with both the XXXX and the FTC the issue was resolved. As it turns out this company continues to make false claims on an account that is almost three decades old and was settled along with other accounts in XXXX 
As was decided by Harvard Collections they deleted the erroneous information they put on my credit report that was previously settled and no longer in the time frame for collections. What this company has attempted to do is undermine the FTC and XXXX by creating and changing the original account number XXXX to XXXX knowing that XXXX was settled and deleted, these records being a decade 's old I no longer possess. 
In conclusion, I am seeking once again the help of the FTC with their high standards in halting this company in what one can compared to as illegal activity and misrepresentation by resubmitting accounts to XXXX and XXXX and " switching account numbers '' to reactivate decades old account, falsely. As a XXXX veteran. XXXX citizen and listed with XXXX I thank you for your previous efforts regarding this matter and hope now this can come to a conclusion. I hope this will prevent Harvard Collections from preying on veterans and XXXX citizens. The desire is that this will stop from reoccurring with my credit report involving XXXX and XXXX and appreciate any help you can give me with this dilemma. 

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

I have tried many times to remove all negative accounts off my credit report with transunion. I had hard inquiries that were supposed to be removed automatically after being on my report for XXXX but they remained on my credit for over a month after they were supposed to be automatically removed. I have requested my credit report by mail and I never received it.
Product: Credit reporting or other personal consumer reports

Ive done this back in XXXX for XXXX and Transunion to remove the debt. Ive sent certified documentation and they still havent removed or responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX Email : XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding the inaccurate personal information that they have reported on my credit report. I believe that their negligent reporting has resulted in significant harm to my financial reputation and has hindered my ability to access credit on fair terms. 

I have recently obtained a copy of my credit report from Experian and was dismayed to discover several errors and inaccuracies in the personal information section. These inaccuracies include incorrect addresses, outdated employment information, and erroneous account details. I am deeply concerned about the impact these inaccuracies may have on my creditworthiness and overall financial standing.

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

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

The above information is inaccurate in their reporting. I have brought these inaccuracies to the attention of the credit bureau mentioned. I RECEIVED NO RESPONSE FOR 45 DAYS OR MORE from the bureau. There are multiple errors throughout my credit report from all three credit bureaus and it is my right to have these accounts reported accurately under the fair credit reporting laws. 

I have taken steps to ensure the accuracy of my credit report, including regularly monitoring my financial activity, promptly addressing any concerns, and maintaining good credit habits. However, despite my efforts, it appears that Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate and up-to-date information. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter to rectify the situation promptly. Specifically, I request the following actions : Enclosed with this letter are copies of the relevant documents supporting my claims, including my credit report highlighting the inaccuracies. Please find the enclosed documents for your reference. 

Should you require any further information or documentation, please do not hesitate to contact me at the provided contact details. I eagerly await your response and the resolution of this issue. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$480.00}. 

XXXX or XXXX : XXXX Date that I discovered XXXX XXXX fraudulent amount : {$420.00}. 

Company or Organization : XXXX XXXX XXXX Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$920.00}. 


Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5000.00}
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A VICTIM OF IDENTITY THEFT AND XXXX XXXX PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.