23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX CXXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX FINC Account Number : XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

I am writing to express my extreme dissatisfaction and urgency in addressing a critical matter that requires your immediate attention. It has come to my attention that there is a fraudulent account tarnishing my credit report, and I demand an aggressive and immediate deletion of this erroneous entry. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

The presence of this fraudulent account on my credit report is not only an inconvenience but a blatant violation of my financial security. I refuse to accept any delays in rectifying this situation, and I insist that you take swift action to remove this fraudulent account without further delay. 

Details of the fraudulent account are as follows : XXXX XXXX  XXXX FRAUD, PLEASE DELETE!!!!! 

XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

The presence of a fraudulent account on my credit report poses a serious threat to my financial well-being, and I will not tolerate any further delays in resolving this matter. Failure to comply with this request will leave me with no choice but to escalate this issue through legal channels to protect my rights. 

I insist that TransUnion treat this matter with the utmost urgency and professionalism. I anticipate your immediate attention to this issue and a satisfactory resolution in the shortest possible time. 

I expect your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I received a deposit account adverse action notice. Which prohibits me from opening bank accounts. I file a report with different banks regarding my bank accounts being hacked. I've resolved those issues with those accounts. However, this notice is still on my consumer report.
Product: Debt collection

log of recent calls : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company calls many times weekly to collect a debt for someone i do NOT knowthis is my cell number i have had for over 2yrs i have asked numerous times to remove and stop calling me and they hang up on me and continue to call, the name of the company is cambridge assest management they say that this debt is being properly served for someone named XXXX XXXX? spelling and they give a case number as XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I disputed information on my Equifax report. In response on XX/XX/2024, Eqifax stated that I did not submit proper varication to investigate my profile. Attached is evident that I included a driver 's license, social security card, or proof of residence in which the company requires to investigate a consumers profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a late payment from XXXX from XXXX and and also over 20 inquiries on my report that I don't have any knowledge of ..I 've reached out over a month ago but no response however... I don't comply to using XXXX XXXX at all .... this is the true meaning of malpractice and slander I've been unable to do anything financially please remove this from my account asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, i have sent multiple letters to Experian, XXXX, XXXX  over the course of a few months. I believe i was a victim of ID theft. I attatched a copy of my ID, SSN card, FTC report, and Cover letter. Last letter was sent out XX/XX/2020. There are accounts on my credit that arent mine.
Product: Student loan

Hi, Thanks for your help! 
Today I called Navient. I have Federally backed loans that were originally from XXXX and XXXX XXXX. 
Navient told me that I don't qualify for the Covid pause because my loan was private. I didn't have any private loans, they were all Federally guaranteed student loans. Navient purchased them from XXXX. I never consolidated. 
Today, I believe they misinformed me about the Covid pause and the income based repayment plan. They told me that I would have to pay two thirds of my monthly salary if I entered repayment. 
They strong armed me into forebearance. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I applied for a business auto loan to purchase a brand-new XXXX XXXXXXXX XXXX XXXX via the XXXX mobile XXXX. My understanding is that XXXX XXXX sends the loan application to a pool where you have multiple financial institutions which includes but is not limited to TD Auto Finance ( " the bank '' ) bidding for the application. 
Note, this is our second business auto loan application through the XXXX mobile app within a space of about XXXX month. 
The amount to be financed by the bank was about {$45000.00} and like the previous application, I provided my personal information for the purpose of personal guarantee ONLY. 
On XX/XX/2023, I got a notification from XXXX of the credit bureaus that I have a personal auto loan. I contacted the bank to reallocate the loan to the business and they informed me that they don't offer business loans and that my best bet was to refinance the loan. 
Currently, I have a hard inquiry and an auto loan on my credit report. These if left, will negatively impact my ability to access credit that was originally accessible to me. I've attempted to dispute those with the XXXX credit bureaus but today ( XX/XX/2023 ), I got an update from XXXX of the bureaus that nothing has changed on my report based on my dispute and it's been finalized. 
I thought to escalate to your office for further review and assistance to have both the hard inquiry removed from my personal credit report as well as the loan. All those belong to the business and all I did was provide a personal guarantee like we did in the previous business auto loan with XXXX. 
I'm counting on your assistance and will be willing to provide any document regarding this issue upon request. 

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

My account was never late! I have had exceptional payment history with XXXX 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.

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.

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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Car purchased ( financed ) from Nissan in XXXX. 
Paid online in XXXX and the money was returned. 
To resolve further issues, I paid over the phone for XXXX, XXXX and XXXX. 
My bank XXXX XXXX XXXX confirmed that on XX/XX/XXXX XXXX  took {$950.00} out of my account. 
Despite me calling and having my bank fax proof of the money taken from me, my car was repoed at XXXX on XX/XX/XXXX. 
Since XXXX on XX/XX/XXXX ( when their phone lines open ) I have made tens of phone calls and direct emailing with a representative for the company. 
They lost my money and until they figure out where they made the mistake- I can not get my car back. 
I am all paid up for my car, put thousands of dollars down, it was stolen from me in the middle of the night and now I have no car for work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

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

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Kindly do the same thing as what the other credit bureaus have done. Update the account : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card

Discover card contuines to contact me via phone calls at home, work and other family members. They also contuine to send harassing and threaten letters to my home address in which I can attach. Discover Card was first contacted on XX/XX/2016 about this account. It is to my understanding that this company is extremely aggressive and are known to take these type of measures against consumers.
Product: Debt collection

I am being sued by UHG I LLC for a XXXX XXXX  credit card debt I had paid in full and closed in XXXX. I have denied their allegations and claims requested for debt validation information to verify what I have missed and pay if they have confirmed facts. 
UHG I LLC purchased discharged off debt from XXXXXXXX XXXX. I also have another credit card debt from XXXXXXXX XXXX  through XXXX retail store A month ago my XXXX credit card account was closed and I was informed to pay the remaining balance dont ask the reason to close the account because we have no information. 
When I asked for debt validation on account I was denied and in the same week I have received debt validation information on my XXXX XXXX account I have been disputing I did deny the XXXX XXXX account claim from XXXX which I did not use XXXX credit card since XXXX. When I compared the XXXX account statement and the fraudulent documents about XXXX account in XXXX they look exactly the same. I have copy of statement from XXXX, XXXX account statement and false claimed XXXX XXXX statement
Product: Credit reporting or other personal consumer reports

i am reporting fraudulent hard inquiries in my XXXX, Transunion and XXXX XXXX report.please delete these inquiries-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received an email from XXXX on XXXX XXXX, 2017 telling me that they have restricted my account and will be closing my account. I received no prior notice from XXXX that they were going to do this. If they had, I would have taken the proper steps to prevent this from happening. By them closing my account, this will negatively affect my available credit and credit report. Below is the email they sent me.
Re : Account ending in XXXX XXXX, Its been over four years since youve used your credit card account ending in XXXX. As a result, your account has been restricted as of XXXX XXXX, 2017, which means you no longer have charging privileges, and it will be closed due to inactivity. Your account will remain restricted, and it can not be taken out of restriction prior to closure or reopened once it is closed.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To Whom It May Concern : A few years ago I had an account with XXXX XXXX that I cancelled and paid in full. Recently I checked my credit reports and noticed a collection from the CBE Group that I was unaware of. I had not received any notification from XXXX by phone, email or text. 

Because of this erroneous collection, there was a severe impact on my credit scores and I have been denied credit. This is unacceptable.
Product: Debt collection

The Credit bureaus stated Account Name XXXX XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights un

der 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these agencies written permission to furnish these accounts on my credit report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's approach to handling disputes, especially in light of the recent CFPB lawsuit that has exposed significant shortcomings in the platform. Despite being a frequent user of Zelle and reporting discrepancies, my claims were not adequately investigated by either my financial institution or Zelle. I was informed that recovering lost funds was not possible and that tracking these transactions was infeasible. The CFPB 's findings reveal that Zelle has not only failed to protect its users but has also allowed repeat offenders to exploit the platform, putting consumers at risk of scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. It has become clear that you are being willfully negligent in rectifying my affairs. 

These accounts could not be verified nor validated with XXXX. Therefore XXXX deleted it from my credit report. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681. According to Fair Credit Reporting Act ( FCRA ) everything on my credit profile must be accurate, verifiable, and if not that information must be deleted.
Product: Credit reporting or other personal consumer reports

There are XXXX fraudulent inquires on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened my personal checking account and my business checking account XXXX XXXX, XXXX, I did not know that some fraudulent imposter had requested access to my accounts, intentionally knowing they were not authorized nor did I XXXX XXXX XXXX never given anyone permission to access my business nor personal account as i am the only account holder and original person that opened both my accounts, not only has JP MORGAN CHASE BANK LOCATED XXXX, FLORIDA HAD ALLOWED SECURITY ACT VIOLATION PRIVACY ACT VIOLATIONS, BUT AS WELL NEVER NOT ONCE WAS I EVER NOTIFIED OF UNAUTHORIZED 3PARTY BROKERS/AGENTS/ENTITIES/FOREIGN CORRUPT MARKETING CYBER CRIMINALS WOULD EVER BE ABLE TO HACK AND CAUSE FRAUDULENT DUPLICATIONS OF TAX RETURNS BY FRAUDULENTLY MISUSING MY PERSONAL INFORMATION AND MY SOLELY OWNED BUSINESS 'S INFORMATION TO FILE FRAUDULENT DECEIPTIVE TAX RETURNS INTENTIONALLY UNDER FRAUDULENT EMPLOYEE PLANS OF THEIR BAD CORRUPT BUSINESSES, NOW JUDGEMENT WAS PLACED AGAINST OTHERS THAT WAS FOUND UNAUTHORIZED USING MY PERSONAL INFORMATION TO WRITE ME OFF OTHERS FRAUDULENT TAX FILINGS OF THERE MULTIPLE BAD BUSINESS CORPORATIONS, THEY WERE ALSO FOUND HACKING MY PERSONAL HEALTHCARE XXXX ACCOUNT, THEIR CRIMINAL ASSOICATES HAD HACKED MY HHS.GOV ACCOUNT, FLORIDA XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX AGAINST FRAUDULENT AGENTS/BROKERS THAT CAUSED INSURANCE FRAUD WASTE AND ABUSE ALSO NOT ONCE ITS BEEN CONTIUING SINCE XXXX, MY ONLY AGENT-BROKER SINCE XXXX IS XXXX XXXX, SHE HAS HAD TO REMOVAL CRIMINALS XXXX XXXX 'S EMAIL XXXX HAD BEEN INENTIONALLY FRAUDULENTLY ADDED ON MY XXXX XXXX ACCOUNT FROM FRAUDULENT CYBER CRIMINALS NAMED XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ALL INDIVIDUALS NAMED HAVE BEEN XXXX XXXX FBI XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX DEPARTMENT XXXX IRS, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA ATTORNEY GENERAL, FLORIDA ATTORNEY GENERAL XXXX XXXX, CONGRESS WOMEN XXXX XXXX, ADVOCATE XXXX XXXX XXXX SBA FRAUD WASTE AND ABUSE DEPARTMENT, SOCIAL SECURITY ADM., CYCBERSECURITY , SAFEGUARD , LIGHTHOUSE, FTC, XXXX  XXXX  FOREIGN
Product: Credit reporting, credit repair services, or other personal consumer reports

A small charge of {$21.00} was made to my Macy 's XXXX account on XX/XX/2022. On XX/XX/XXXX, I discovered that there was a late payment on my credit report from an alert that came to my mobile device from XXXX. Upon discovering this, I immediately called the creditor and made payment explaining to them that I had not received a letter, email, or phone call letting me know that payment was late. 

After reviewing over XXXX emails I received from Macy 's since my purchase, I only found 3 emails with the generic subject " Your Macy 's American Express Card Statement ''. All these emails ended up in a separate " Promotions '' folder in my inbox. These emails also show no balance due or indicate urgency that payment is due/late. I called their credit department explaining this and to see if they could correct my credit report by removing the late payment. I received a letter on XX/XX/XXXX stating that they would not clear it. 

On XX/XX/XXXX I called again. The initial representative encouraged me to talk to their credit department again but they were steadfast in their decision to not remove the derogatory mark. To that end, I canceled the card in frustration. 

In my opinion, creditors should not solely rely on generic emails to indicate something urgent to their customers. This creditor only sends monthly bills that all look the same with no indication of a balance and they can easily get lost in all the other promotions that are sent from them. They send no follow-up emails to clearly show your payment is late. This is the least they could do, but I would fully expect that they would send a letter in the mail or make a phone call PRIOR to notifying the credit bureau so the issue can be rectified. Most customers don't mean to pay late. My credit score was in the XXXX 's and it is a priority for me to pay my bills on time. With this, my credit score was adversely affected by XXXX points. It is unfortunate we could not come to an amicable solution so I want to file a formal complaint.