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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i did applied for a loans XXXX XXXX XX/XX/XXXX, The XXXX report was seriously delinquent.credits obligations unpaid. I had called XXXX and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. XXXX  advised me to call the collecting agent XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE.  XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified XXXX, XXXX investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to city bank and still they repor Delinquency Please help me
Product: Debt collection

Hello, my name is XXXX XXXX and I am a victim of identity theft. I recently started to take my credit score more seriously, before I would never check my score because I would never apply for loans, credit cards etc,.. I only had one college credit card. On XXXX XXXX I downloaded XXXX and saw a lot of collections and inquiries that were not mine and I dont have any relations with it. I called the police and an officer came to my home and I showed him all the fraud that occurred under my social security, the police officer provided me with a case report and informed me to call the credit bureaus. I called XXXX, XXXX and XXXX and put in a freeze on my accounts. The credit bureaus were able to dispute the fraud however, XXXX keeps verifying the account as accurate when its indeed not. The debt collection that is not being removed which occurred from fraud is phoenix financial service original creditor XXXX XXXX XXXX it was opened on XX/XX/2023 the amount owed is {$840.00} the account number XXXX. I have never heard of this company nor did I ever get in contact with them prior. My information has been compromised.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, has violated my rights. 

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

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

My ex-mother-in-law ( now deceased several years ) had her identity stolen a decade ago and had a number of debts run up on her credit. These bottom-feeding debt collection agencies buy the debt for pennies on the dollar and then harass anyone remotely connected with the " debtor. '' My Ex-MIL never lived here. My phone was never connected with the debt -- in fact my Ex-MIL never even knew this number. Another bottom feeder ( XXXX Bank ) found that this number is associated with a house that my Ex-MIL used to own ( I bought it from them fifteen years ago ) and began to call trying to contact my deceased Ex-MIL here. 

After a year of complaints to the FTC and you folks, they finally were forced to stop harassing me. 

They stopped and then ( I imagine ) sold my number ( and presumably the " debt '' ) to Portfolio Recover Associates in XXXX, AL who have now continued the harassment. 

A juicy fine would shock their tentacles back. How about it?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, experian ) - Inquiries - personal name XXXX as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card

To whom it may concern, On XX/XX/year>. There was a charge on my truist bank credit card for {$600.00} and {$700.00}, which i did not make this transaction and i contacted truist bank credit card department and file a complain to the credit card fraud department, my credit card was closed and issued me a new credit card with {$1300.00} adjustment. on XX/XX/year> truist bank credit card department posted the {$1300.00} back to my account without a reason and i call the truist bank credit card department to find out the reason, the rep i spoke to on XX/XX/year>, ask me have i ever did any transaction with this merchant before, i said yes but not with this transaction because i lost my truist credit card. This morning XX/XX/year>, i call truist bank credit card fraud department to find the reason behind their decision, the rep i spoke said to me that. The person who investigated the fraud dispute said, there was not any consistency in my fraud claim which is mind boggling. I am not paying for something i did not made and i want CFPB to investigate and let truist bank credit card know. It cant treat or take its customers for a ride of making money. Truist Bank rip me off almost {$4000.00} dollars before but not this time because, i will not pay this {$1300.00}. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX andXX/XX/2018.. inquiries on my credit report that I did not do.. I talk to the representative at Trans Union told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was most recently a full time XXXX student at the University XXXX XXXX at XXXX ( 12 credit hours ). The school or whoever incorrectly reported or delayed reporting that I was a fulltime student there. This caused loans to become due. When I checked my credit report I noticed XXXX had reported my 10 loans as being delinquent. When I contacted them they verified my enrollment status and said they would fix it. It is taking way to long also it appears that my first request for removing the items of my credit report was not processed ( they told me to expect it removed within 60 day ) or had missing paperwork. I called again and they assured me they would resolve this but had not processed my original request because missing paperwork that they would send me in the mail as soon as possible. They stated once I turn the paperwork in they would remove items off my credit within 3 weeks. My credit report needs to be fixed IMMEDIATELY. I am in XXXX so many of the jobs I am applying for requires background checks and in some cases an actual security clearance. Because of incorrect reporting it appears that I have 10 loan accounts which are in default. I am restricted in my job search right now until this gets resolved. Employers don't have time to hear an explanation for why I have 10 loans in default. This needs to be fixed immediately so I can move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX 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 disputed this account back in XX/XX/2024 thru CFPB. I received a response in XX/XX/2024 from Wells Fargo stating that they have knowledge of this account reporting inaccurate and inconsistent information. Was advised they were reaching out to the CRAs to ensure that this account reflects accurate information. They asked for XXXX days in which I gave them more time then they asked and that was allowed. This account is still reporting inaccurate, incomplete and unverifiable information. I have all documents supporting my claim and will attach them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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: Credit card or prepaid card

I noticed on my credit report that my card with Citibank ( Home Depot ) had been reduced from {$50000.00} to {$2500.00} on XX/XX/2021. I called the card that day at XXXX and spoke with a representative in Customer Service to find out why it had been reduced and to find out when the adverse action letter would arrive so I could see their reasoning. She told me that it was an issue of inactivity and that the letter had been sent on XX/XX/2021 and would arrive in 5 to 7 business days. 

I gave it longer than that to arrive and when it did not arrive, I called again on XX/XX/2021 at XXXX and spoke with Customer Service again and asked why the letter hadn't arrived and if it had been sent out. The representative said it had been sent out on XX/XX/2021 and that I should see it in 7 to 10 business days. When I pointed out the day we were speaking on was the XXXX business day and if I could have a copied emailed to me, she had me wait and transferred me to the Credit Department. 

Their I spoke with a gentleman who checked the account and at first said it had been sent and that it would arrive in 7 to 10 business days. When I pointed out the date, he then checked again and said that one had not been sent out and that it would not be sent out because the decision didn't have to do with my credit worthiness. When I pointed out that not only was I long time customer in good standing but that their decision had damaged my credit score and then asked who I could appeal to, he said there was no appeal and that my only option was to let them pull my credit again, thus damaging it more with an inquiry. I also asked if they had sent out any notice that they would be reducing my limit due to inactivity and he said that no, they did not do that, that it was simply in the terms.
Product: Money transfer, virtual currency, or money service

I AM FILING A COMPLAINT AGAINST CASHAPP ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  did not mail billing statements during XXXX never knew old {$60.00} charge was billed. Charged me {$120.00} late fees on {$60.00} amount. Account was cancelled during XXXX and I used another XXXX bank card which I paid off $ XXXX {$3000.00} balance each month.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$220.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

I am not liable for this debt of XXXX with XXXX XXXX XXXX, Account Number : not provided because account # is not displayed I do not have a contract with XXXX XXXX they did not provide me with the original contract as I requested and wet signature and ID verification. Experian failed to verify accuracy which has harmed my credit and life being unable to purchase a home or get funding. Experian failed to remove inaccurate account.
Product: Money transfer, virtual currency, or money service

I send {$2000.00} from money gram to a direct deposit in XXXX ..after a trhee months of " INVESTIGATION '' .moneygram contact me to close the case because they said the money was deposited in my account in mexico but not ... i have the statements to show that never was ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, in their gross incompetence, has not only given away my personal information ( along with that of 143m+ people ), they also are unable to confirm whether I am at risk or not. They set up a phony website for users to check if they are impacted but the site literally delivers random results and gives me opposite answers each time I try it out. I 've tried to put a freeze on my credit through them multiple times but neither their website or telephone system work. The government needs to step in and help consumers with this potentially disastrous situation.
Product: Debt collection

It has been about two months since I have sent Citibank a debt validation notice to which they have not responded with any of the items that I have requested in order for me to verify the debt. They continue to harm my reputation without providing evidence of such debt. This violates the fair debt collection practice act. I requested them to send me both 1. ) A copy of the contract bearing my signature. 2. ) All billing statements regarding the account
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> SchoolsFirst Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off and Failure to Provide 1099-C Dear SchoolsFirst, Federal Credit Union, I am writing to formally dispute the charge-off status reported on my SchoolsFirst auto loan account. Additionally, I have reason to believe that SchoolsFirst may have reported this charge-off as a loss to the IRS without providing me with a 1099-C ( Cancellation of Debt Form ) as required by law. 
Under IRS regulations, if a creditor cancels or discharges a debt of {$600.00} or more, they are required to file a 1099-C with the IRS and send a copy to the borrower. As of today, I have not received this form. If SchoolsFirst claimed this as a loss, I am entitled to documentation verifying this. If this was not reported to the IRS, I request immediate clarification on why it was charged off without proper notification. 

Per the Fair Credit Reporting Act ( FCRA ) and IRS regulations, I am requesting : Proof that the charge-off was reported correctly and in compliance with federal regulations.

A copy of the 1099-C, if it was filed.

Removal of the charge-off from my credit report if it was improperly filed or not reported to the IRS. 
Failure to comply with federal regulations could be considered a violation of my consumer rights. If I do not receive a timely response, I may escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the IRS. 

Please respond within 30 days of receipt of this letter. I have enclosed a copy of my credit report highlighting the charge-off entry for your reference. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelles recent handling of disputes highlighting significant issues with the platform. Zelle has been very unsupportive during this time and failed to correct my situation with lost funds. Zelle has neglected consumers protection!
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$220000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX {$220000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$220000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$9000.00}