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

Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : - Close the unauthorized account ( account # XXXX in XXXX XXXX XXXX XXXX  and account # XXXX in COMENITY BANK/ WAYFAIR ) - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTCIdentity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs A copy of all pages of my International Passport is proof that I could not be in the US in XXXX when fraudulent accounts were opened using my personal information and providing a fake proof of address in California. To be honest, I've never been to California at all. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : - FTCIdentity Theft Report - Proof of identity ( copy of a NY State ID ) - Notice to Furnishers of Information - XXXX Verification of Incident of Identity Theft Report
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding fraudulent accounts being reported on my credit file by Aidvantage, negatively affecting my credit score and financial standing. The accounts in question are : DEPT OF ED/AIDVANTAGE XXXX - Balance {$4100.00} DEPT OF ED/AIDVANTAGE XXXX - Balance {$9600.00} DEPT OF ED/AIDVANTAGE XXXX - Balance {$2800.00} DEPT OF ED/AIDVANTAGE XXXX - Balance {$5100.00} These accounts are fraudulent and do not reflect any transactions I have authorized. Despite my disputes, these items continue to appear on my credit report, causing significant harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three credit cards. Both XXXX and XXXX are showing all my opened accounts. But Experian is not showing any of my account. 

I called all three credit card companies ( XXXX XXXX, XXXX, XXXX XXXX ) multiple times and they confirmed that they are reporting my credit history to all three credit bureaus. 

I called experian multiple times in XXXX, XXXX and in XX/XX/2021 - they are saying that they are not receiving any report from any of the credit card providers. 

Out of three credit bureaus, I am facing this problem with Experian only. I am following with my credit card providers and experian since last four months without any result. 

I need your kind help to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Meade Recovery is shady! They will take more money than legal. Filed a lawsuit against them, have the judgement for them to drop the credit reporting after our agreement to pay a set amount. They keep disputing my claims to drop off my credit. Even with the attached court agreement.
Product: Credit reporting or other personal consumer reports

My student loan servicer was Nelnet. All of my loans were transferred to XXXX. Nelnet is still reporting open loans with balances to the credit bureaus which is incorrect. XXXX is also reporting the loans so it looks like I have double the amount of Student loans that I actually have. I have contacted Nelnet and disputed the accounts with the credit bureaus but Nelnet continues to say their information is accurate but does not provide any updated information since XXXX. This is affecting my debt to income ration and greatly impacting my credit. Any assistance would be greatly appreciated. Thank you!
Product: Money transfer, virtual currency, or money service

Hi. I am here to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

The seller, XXXX XXXX posted a sell ad on XXXX XXXX, selling a handbag YSL- {$850.00}. I made the transfer in PayPal to account under XXXX, XXXX ( a XXXX account ). The seller claim that the account is under her fathers name. I made the transfer on XX/XX/XXXX. I contacted the seller on the status of the shipping. Her shipping XXXX, XXXX XXXX XXXX requested a refundable insurance payment of {$350.00} in XXXX gift card before they ship the bag from Pennsylvania to Virginia. They told me that I would get {$330.00} refunded to me once the bag is delivered. I sent the gift card via email on XX/XX/XXXX. On XX/XX/XXXX, they asked me to send {$830.00} for VAT tax fee since the bag is luxury item. Again, they wanted the payment in gift card. I told them that they should send my {$350.00} back since I knew then this was a scam. 
I contacted the seller, XXXX, and told her to contact the carrier requesting the bag to be returned to her. I will arrange a friend to pick up the bag in Pennsylvania, where she lives. She told me that her bag is being held by authorities and she cant get it back until the VAT tax is paid. She offered to pay the tax, and that I only have to reimburse her {$400.00} in gift card. I told her that I wont make anymore payment on this purchase and that I will contact the authorities to this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 17 years I've had in accuracies on my background report. I have a report that is saying that I have a charge from XXXX that was settled due to conditional plea. I also have XXXX other charges in XXXX and XXXX that deal with XXXX XXXX that are reporting guilty and they were disposed or no contest. This information has always followed me and damage my reputation to be considered for positions that I meet. I have contacted the judicial systems and government agencies about this complaint.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion of Inaccurate/Unverifiable Information Violation of FCRA 15 U.S.C. 1681i ( 5 ) ( A ) To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate, incomplete, or unverifiable information from my credit report in accordance with 15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed incorrect and inaccurate info on my report and requested a proper reinvestigation. As per the law, if any disputed item is found to be inaccurate, incomplete, or can not be verified, it must be deleted from my file. Yet, to my knowledge, these erroneous entries remain on my credit report. 

PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/1982 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Failure to comply with the FCRA is a direct violation of federal law. You are now on formal notice that if these disputed items are not permanently deleted immediately, I will have no choice but to escalate this matter, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance, which carries statutory damages of up to {$1000.00} per violation, along with punitive damages and attorney fees under 15 U.S.C. 1681n. 
Holding you liable for any financial harm caused by your failure to uphold your legal obligations. 
This is your final notice. I demand written confirmation that the disputed information has been deleted from my credit report within 15 days of receiving this letter. If you fail to comply, I will take all necessary legal action without further warning. 

You have been warned. Govern yourselves accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal and fraudulent Transactions.
Product: Checking or savings account

In XXXX XXXX an unauthorized person who i do not know accessed my account and wrote 37 electronic checks and stole a total of {$8500.00} from my account. All withdrawal was made on the same day. XXXX/XXXX/XXXX. I have never written an electronic check in my life. The signature does not match my own. The checks went to 3 different accounts, none of which I know. I submitted a complain to CITI BANK on XXXX XXXX XXXX. They responded with a letter on XXXX XXXX saying that while they do acknowledge it is fraud, they will not return any of the money to me as I filed the complaint more than 1 month after the incident took place. Attached is the letter.
Product: Credit card

Late XXXX/Early XXXX I contacted Barclay Card US to dispute a merchant charge From XXXX for XXXX due to me not receiving the product that I ordered. 2 months pass with no contact from Barclays then I log into my account to see that the charge had been charged back to my account. I contacted Barclay Card US again on XXXX/XXXX/16 when I noticed the charge had been charged back to inquire why and they stated because the merchant was able to provide my Name and Address. My reply to them was " The whole reason the dispute was submitted was because I never received the Product '' I never stated that I did not place the order with them. So It does n't matter if they were able to provide my name and shipping address If I never received the product and that is the reason the dispute was submitted. I also tried to contact the Merchant XXXX regarding the charge and to request a Shipping tracking number. The Merchant never responded after numerous attempts to contact them and numerous emails sent. No shipping confirmation was ever provided. And I 'm 1000 % sure they were not able to provide any shipping information to Barclay Card US. I need this charge and all interest associated with it to be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX to get service, i was told it would be a soft inquiry to get the service. Not only that, but I was signed up for the entirely wrong product, i have been calling XXXX XXXX XXXX and no one can find my account number to offer me any help. After calling over 25 times, stepping in to a brick and mortar store they did let me know that i was NOT signed up for the service i requested, instead the CSR i dealt with that night signed me up for whatever he wanted to sign me up for. They have told me since to refuse the package that was sent to my property which i have already done. The XXXX router which apparently that CSR signed me up for apparently is still activated which the brick and mortar XXXX XXXX XXXX store told me and they have no idea why it's still activated but it should have been already canceled. No one has been able to help me regarding the 2 inquiries i now have on my Equifax report from XXXX and XXXX XXXX XXXX even after i was signed up for the wrong product, and returned whatever product they sent in the package. I don't have any luck getting anyone to help me with this on the phone or inside a store. They did not spell my name correctly on the paperwork, let alone my email. They have supplied me with a link to put in my information for wrong inquiries placed on reports but it has been weeks with no answer, i need help on getting this resolved from the corresponding forces.
Product: Credit reporting or other personal consumer reports

I called and asked for all other information that is on my disclosure I was born with only XXXX name
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Product: Checking or savings account

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Type : Driver 's License ID Number : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, my scheduled payment for XXXX was scheduled like every other month and come XX/XX/XXXX I personally realized that the money never came out of my account. I personally called new Rez to try to figure out why the money was still in the account and they still showed it pending on their end. No issues. Come XX/XX/XXXX I called again as money was still in checking account and that's when they said it looks like the payment got rejected I immediately said there's no reason for that please try it again the money is there And they took the payment and everything went through fine. I've been personally reached out to new rez via email as you can't speak to anyone via phone regarding credit reporting, providing documentation from my bank account showing the money was there and there was no reason for the payment to be rejected. Neither XXXX or XXXX charged me any NSF fees because there was technically money there But I begged and pleaded them to not report this to my credit report as it's always hard to get it removed and let 's be proactive and not make this an issue and here we are it got reported. I provided them big statement showing money was there I provided everything that I could think possible to prove to them that I was the one that initiated the payment and followed up on the payment being processed and had I not of done that nobody would have notified me I wish I would have known prior to XX/XX/XXXX because I would have re-issued the payment then The only reason it got re-issued after the fact is because I again caught the error on their end now they're trying to tell me it was rejected by the bank I understand their obligation to report negative credit but though this is not the scenario the money was there I have always made my payment on time there is no reason for this to be a late payment as I immediately told them to retake it and they got their money I asked for them to immediately reverse the negative reporting on my credit report because they got their money when I told them to retake it and they got there they should've got their money timely in XXXX if there wasn't an error on rejection through all this automated nonsense and you're not able to talk to anybody about it. 
Had I been able to talk to somebody about it at the end of XXXX there would never have been an issue Please remove the negative credit reporting. Per the attached the money shows it was taken out and no NSF was charged therefore they know this was made timely and it was an error. Not by me
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, XXXX, and XXXX about numerous inquiries made using my social security number that were not made by me. I requested that these inquiries be removed and that my credit be frozen. I have also reported this information to the companies and informed them that they need to verify the identity of the person using my information, as that person had a fake ID pretending to be me. Additionally, I have filed a report with the FTC and have a reference number XXXX. However, nothing has been done about the credit inquiries, and the companies have not responded at all.
Product: Credit reporting or other personal consumer reports

in accordance of Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  is in violation of 15 U.S.C. 1681
Product: Checking or savings account

On Sunday XX/XX/2024 at approximately XXXX I pulled into the Bank of America drive thru atm located on XXXX XXXX in XXXX XXXX XXXX NJ and attempted to make an all cash deposit into the atm id : XXXX. I was able to deposit and process XXXX bills in {$20.00} for a total of {$1500.00}. When the atm prompted me what I wanted to do next, I selected deposit more funds. I attempted to deposit another XXXX bills in {$20.00} for another {$1500.00} deposit, now totaling {$3000.00} attempted cash deposit. Only this time, the atm started making funny noises as it tried to accept my bills, which the atm eventually took my money, but then froze. Didnt count, didnt process, didnt return funds. Nothing. I waited several minutes to see if anything would process or if the screen would change and nothing. Thats when I touched the keypad hitting enter and clear and instead at this point the atm ONLY processed my first deposit of {$1500.00} but not my second, ended my session and printed my receipt which recorded only {$1500.00} instead of the full {$3000.00}. I never got my XXXX deposit back at all. Thats when I attempted to call the help line advertised on the atm : XXXX and let the representative know the exact details above. They told me that because its Sunday and the bank is closed, there wasnt much that could be done today and that I would have to wait until Tuesday XX/XX/2024 to see the credit of {$1500.00} that got lost in the atm.
Product: Student loan

All these account have been contested and consolidated. There are not reflecting as so.
Product: Debt collection

I sent in a validation of debit letter to the company and have been receiving many phone calls where i have given notice to only contact me by mail under the fair credit act. they continue to call daily even after being asked to only be contacted by mail. This debit was taken off my credit due to fraud and is over 10 years old they are trying to create the debit and collect on fraudulent debit
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian over the phone to request a dispute for unauthorized or incomplete or unverified information reported to the consumer credit report. 
I disputed some accounts and a bankruptcy that been reported to my credit report. I asked Experian supervisor that if they are getting this information from XXXX ( the US court ) that information is incomplete since they dont provide the social security number complete. 
This company ( Experian ) has agents in XXXX they are no able to understand and I am not even sure if they are handling my information such as social security in the right way. 
They refused to delete some account that they are no able to verify since I asked for proof including sent letter to the creditors and they didnt respond to me. Account that need to be removed from my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the Bankruptcy that they are reporting under my name with an incomplete or incorrect social security number. I disputed that Bankruptcy and they failed to investigate or remove it or send a letter explaining the reason why they didnt remove the information disputed or provide proof of were they got that information with a complete social security number.