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

I am writing to formally dispute an unauthorized hard inquiry on my credit report made by Landmark Financial, which I know to be in error. Upon reviewing my credit report, I noticed that a hard pull was conducted by your company on XX/XX/2025. I did not authorize this inquiry, nor have I applied for any credit or services with your company. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report, and I am requesting that you provide the following : 1. Documentation or written proof of my authorization for this hard inquiry.

2. A detailed explanation of the purpose of this credit pull.

If you are unable to provide valid proof of my authorization, I kindly request that you immediately remove this hard inquiry from my credit report.

Please acknowledge receipt of this letter and confirm the necessary actions to correct this matter. If this issue is not resolved, I will be forced to take further action Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 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 repot by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) 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 the information is inaccurate.
Product: Debt collection

I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Checking or savings account

We were notified two of our accounts ' customer due diligence information needed to be updated due to regulatory issues with our bank. The bank restricted our account and debit cards. We called the bank four times and sent in the required documentation ( which they already had ) to get the accounts unfrozen. In two instances, bank employees told us the freeze had been lifted only to find out from other employees that it had not been lifted. This freeze is impacting our daughter 's Special Needs Trust and we can not purchase her necessary food with the funds in her account.

To make matters worse, the bank has no way for me to submit a WRITTEN complaint. I need to call and leave a complaint but I have no idea if it has actually been lodged correctly. I want the ability to write a complaint, in my words, and submit to the bank so I have record of it. 

When this is resolved, I will be ending my long term relationship with the bank. Consumers should not be penalized for their bank 's regulatory shortcomings.
Product: Money transfer, virtual currency, or money service

the following is the problem : i cant do a transaction because of an error of the platform, i wrote to the support area of the company called trust wallet ( a digital currency wallet ) telling this problem, the date of that email was XX/XX/2023, but i have not received any answer from this company and in need to use my money, i want to buy something in a platform that accept bitcoin called XXXX, but trustwallet shows an error at the moment of the purchase, i attach the support of the email to trustwallet and the error. My trustwallet account email is XXXX. Thanks
Product: Debt collection

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. Name : XXXX XXXX XXXX XXXX Account # XXXX Name : XXXX XXXXXXXX XXXX Account # : 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. 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. I request these accounts be deleted off my consumer report.
Product: Debt collection

This item has appeared on my credit report erroneously. I have requested debt validation several times beginning in XXXX 2015. I have received no debt validation however the agency consistently attempts to collect payment and falsely report on my credit bureau reports with XXXX, XXXX, and XXXX. I feel helpless and experiencing extreme harm to my livelihood in terms of my credit.
Product: Credit reporting

I had myself removed from my husband 's account as an authorized user. I received a letter in XX/XX/XXXX from XXXX XXXX stating that they would notify all XXXX credit bureaus which they did. XXXX and XXXX deleted the information but Equifax told me that I had to file another dispute. When I did they came back and said that it was verified even though I have proof that I was removed.
Product: Debt collection

Endpoint Resolutions at phone number XXXX has been calling my parents house, my ex husband, and now ex sister in law repeatedly leaving messages for me to call them regarding some payday loan which I have no knowledge of. I have no payday loans nor have I had payday loans in the past. I dont have all the dates of the phone calls but I know one was today, XX/XX/2019. The thing is they call everyone but me because I have no calls from them and theyve never mailed me documents either. I want the illegal and harassing phone calls to stop, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am incensed with how equifax has handled reporting this breach and the steps they have taken to rectify the situation. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

When attempting to sign up for credit protection on the Equifax 2017 security breach website. I was forced to enter 6 digits of my SSN and then receive a notice that I am to come back to the website the following week to enroll. According to the news, this breach occurred 5-6 weeks ago. 

I then went to the XXXX website to review my credit report and enroll for extended fraud alert. I tried three times to do this through their the XXXX website. Each time I tried to upload the required documents the website would error - either by saying the site can not be reached or that the web page could not be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings 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, credit repair services, or other personal consumer reports

I XXXX XXXX, Consumer and natural person am a victim of identity theft. XXXX, XXXX and transunion has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.
Product: Credit reporting, credit repair services, or other personal consumer reports

all ftc violations reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  twice $ XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Acct Number XXXX XXXX XXXX XXXX XXXX, Acct Number XXXX XXXX XXXX XXXX  XXXX XXXX Acct Number XXXX XXXX XXXX XXXX XXXX, Acct Number XXXXXXXX XXXX XXXX XXXXXXXX Acct Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Wells Fargo, servicer on my primary home mortgage, has made repeated, unauthorized hard inquiries just months apart that have affected my credit score. I have never been late on a mortgage payment in the eight years since the loan originated. I did not apply for a refinance or modification of the loan, although I have received numerous calls and letters from Wells Fargo suggesting that I do.
Product: Debt collection

This debt was XXXX in XXXX its still shows on all my credit profiles which it should not. Also it should not be reporting a balance at all its discharged. i also never received any paperwork stating that this account was discharged from Santander XXXX Account Type : Individual Auto Account Status : Charge off Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Terms : XXXX Balance : {$10000.00} Past Due Amt : {$10000.00} Original Charge Off Amt : {$11000.00} Last Payment : XX/XX/XXXX High Balance : {$17000.00} Also my loan fell under litigation from the Santander Predatory Loan lawsuit Consumers may be eligible for the following types of relief : Restitution : Santander must pay {$65.00} XXXX in restitution to be divided amongst the 33 states and the District of Columbia. Over XXXX consumers across the settlement states will be eligible for this restitution. 
Who qualifies? You must have a gotten a loan with Santander between XX/XX/XXXX and XX/XX/XXXX and Santander must have given you a certain internal score at the time you got the loan. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. This is why consumers will have to wait for notice from the settlement administrator.

How much will restitution be per consumer?

The final restitution amount per consumer is not yet known, but the amount will be at least {$240.00} per consumer. 
When can I expect restitution? 
We do not yet have a date certain by which eligible consumers can expect a notice from the settlement administrator. Please check this website for updates.
Product: Debt collection

I have never received any communication from Phoenix Financial prior to them putting this {$1500.00} debt on my XXXX and XXXX  credit reports. No letters, nothing. In the two reports they claimed my first date of delinquency was XX/XX/XXXX, yet I didn't even go in the hospital until XX/XX/XXXX so how could I be delinquent before I went in the hospital? Is this even my debt? I don't think so. All medical debt incurred for my ONE hospital visit was paid by my SSI XXXX insurance so I truly believe this to be a scam. 

For months Phoenix Financial reported this unverifiable medical debt to my XXXX and XXXX credit reports erroneously. After disputing this debt online and sending Phoenix Financial a debt validation letter ( with no response ) XXXX and XXXX removed this debt from my credit reports. Fast forward a few weeks, to today, XX/XX/XXXX. I was alerted to activity on my XXXX   credit report. It turns out that Phoenix Financial is now reporting that same bogus medical debt that was removed from XXXX and XXXX now to my XXXX report AND IF THAT WASN'T BAD ENOUGH, they duplicated it and reported the same account for the same amount of money FOUR TIMES, EACH with a different " open '' date and none of the dates matched the date they first reported on my other two reports.

That's right, they took the same {$1500.00} debt and duplicated it four times using different " open '' dates. These are highly deceptive, fraudulent practices by this debt collector who is knowingly breaking federal law under the FDCPA. If they don't remove these false debts from my credit report I will sue them and I will win! This is criminal and I will not continue to let them harass me like this. I appreciate any help you can give me with this rogue company. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. Experian and XXXX are also illegally reporting XXXX XXXX XXXX as " CO '' every month since XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

US SM BUS ADMIN ODA | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX XXXX  | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX  XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.
Product: Mortgage

I applied for a loan modification. I submitted the paperwork and they received it on XX/XX/XXXX. On XX/XX/XXXX I got my first packet ( dated XX/XX/XXXX ) in the mail requesting more documentation. I called the company to explain it would take time for me to get these further documents because of my divorce and current restraining order against my husband ( becasue of XXXX XXXX  ). They told me the foreclosure was on hold once the application was received and to just get the additional paperwork in as soon as possible. On XX/XX/XXXX I mailed more documents out, due to arrive XXXX. On XX/XX/XXXX I received my second packet ( dated XX/XX/XXXX ) in the mail requesting more documents. On XX/XX/XXXX received an email asking for further documents. I emailed all the documents I could get on XX/XX/XXXX out. That same day I got a call from my fathers wife ( who live XXXX minutes away ) alerting me to foreclosure paperwork ( dated XX/XX/XXXX ) that was left at their house for me. This is duel tracking as I was told foreclosure was on hold when the application arrived, yet the foreclosure was still pushed through.
Product: Credit reporting or other personal consumer reports

Paramount recovery CFPB ID FOR COMPLAINT SENT TO XXXX XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX  XXXX  XXXX Print a copy of this complaint ID FOR COMPLAINT SENT TO XXXX XXXX I have no signed payment agreement with this company. Please stop collection efforts and remove from my credit report immediately. Show me a contract or remove report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 those violations.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular accounts position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove the following accounts from my personal credit file : LVNV FUNDING LLC - XXXX Balance {$91.00} ; LVNV FUNDING LLC - XXXX Balance {$590.00}
Product: Student loan

I 'm not sure if this affects me, but I do have my student loans through Navient, I do believe I consolidated my loans through them, when prior they were through XXXX XXXX. I 've had student loans long before 2010, and I 'm not sure how long I have been with Navient. I do know that at the beginning I was forebear ingredients my loans because that is all I knew how to do, but for the last 2-3, years I have done the income base plan, and it is at a cheaper rate, but then I have to defer them any way, because I ca n't pay on them yet. So with that being said, I do n't know if this affects me or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these negative items ; Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.