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

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I have attached proof that Equifax has admitted that I was a victim of this breach and that Equifax has done nothing. Please help me have the items from Equifax, XXXX and XXXX removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX I spoke to XXXX They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX. A Total of 15 points got pulled from my credit and this issue was NEVER Fixed. I am demanding in 30 days that " XXXX '' " TRANSUNION '' AND " XXXX '' Delete this from my records. Please see the attached Information from XXXX and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XX/XX/XXXX and should of been removed then, XXXX Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX " XXXX you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. XXXX Told me that they contacted Transunion, XXXX   AND XXXX for removal back in XX/XX/XXXX - They never removed this from my credit nor has XXXX Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

XXXX / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as XXXX Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i submitted a dispute to ALL three credit bureaus. XXXX, Equifax and XXXX. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. XXXX removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and XXXX hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. XXXX needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report. 
XXXX ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
Equifax replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX XXXX multiple accounts ) XXXX XXXX multiple accounts ) XXXX XXXX EQUIFAX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!
Product: Checking or savings account

I received letters dated XX/XX/2024 and XX/XX/2024 from Citi ( attached ) indicating that they were closing my checking account, savings account and credit card account. The letters stated that this was pursuant to their terms and conditions and offered no other reason. I called Citi and went in to my branch multiple times, and was told they would not inform me of the reason for the closures. In the nearly 20 years that I had these accounts with Citi, I have always maintained a healthy balance in my accounts and have never had revolving debt on the credit card. Notably, my mortgage is also with Citi. These closures have caused me to spend a tremendous amount of time and effort, on opening accounts with a new bank, transferring funds and switching multiple automatic deposits and bill payments.withdrawals and switching accounts that vendors draw from ( such as XXXX, XXXX, etc. ). My credit score was also negatively impacted by the closure of the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company claims that I have never contacted them but I have the proof which i am attaching again. I have never done any business with this company yet they are reporting on my credit report. I requested " validation '' yet they state they have sent " verification ''. The two are not the same. This company has no permission to use my social security number. This company has no agreement be me and them to utilize my my credit report. This company never reached out to me stating anything in regards to this account. I DO NOT AUTHORIZE AND NEVER HAVE AUTHORIZED THIS COMPANY TO UTILIZE MY SOCIAL SECURITY NUMBER AND USE OF SUCH WITHOUT MY CONSENT OUR AUTHORIZATION IS IDENTITY THEFT! They have violated many laws in FDCPA and I will be pursuing them in litigation if they do not remove these inaccurate and unvalidated accounts from my credit report. This company is in violation of many FDCPA laws including 15 USC 1692g. I want these items removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I have been trying to resolve this matter for 2.5yrs with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These 3 accounts are fraudulent Kohls, XXXX and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE HELP.
Product: Credit card or prepaid card

I have had a Capital One credit card for some time as other 's but ItIs the first time I have noticed that I'm been charged for fee 's and Interest charged on purchases, I alWAYS PAY MORE THAN THE MINIMUM PAYMENT, Since last year I began to see these charges, none of my other cards have I seen this practice so far including a member fee of {$39.00}, and other charges on purchasing from {$42.00} to {$38.00} every time I make a purchase 's At this rate I will never pay down my principal. 

To this date there has been a total including Member fee of {$270.00} since I never looked at previous statement I just paid my payment there could have been many charges n previous years, I would like my money back and this form of Business to stop.
Product: Money transfer, virtual currency, or money service

We were victims of an imposter scam on XXXX whereas someone hacked into a social media account of someone we know and indicated that they were selling items because of sick father. We contacted the person via messenger on the profile and stated that we interested in purchasing XXXX of the vehicles listed for sale. We were told by said person that we needed to send money by XXXX since they were out of town and needed the money to assist with medical expenses. The imposter gave us name and email to send XXXX thru XXXX thru Wells Fargo bank. We contacted Wells Fargo to let them know we had been scammed and I gave them the same information as I am giving you here. Within 5 days, Wells Fargo sent out a letter saying that there was nothing they could do to help refund our money.
Product: Credit card or prepaid card

Hello my name is XXXX XXXX. I am writing with great concern and disappointment regarding an issue I am currently experiencing with my credit card company. 
I have been a loyal customer of Barclays credit card for several years now, ensuring all my payments are made in a timely fashion, even in the face of difficult circumstances. Recently, however, I found myself in a situation that necessitated a request for some temporary assistance from their company due to financial hardship. 

As you may be aware, the economic situation has been challenging for many families, including mine. I recently lost my job and my household income has reduced significantly. Despite this setback, I have strived to continue making payments on my account to maintain my good credit standing.

I know CFBP has been a strong consumer advocate and often direct consumers to contact their credit card in a time of need. In view of this, On XX/XX/202 I completed an online request for a repayment plan, on XX/XX/XXXX, I received an email advising that I was denied. On XX/XX/2023 I reached out to their customer service, seeking help. My request was to see if my interest rate could be lowered or to facilitate a credit repayment plan that would allow me to continue making payments, albeit at a lower amount. 
To my surprise and disappointment, I was advised that in order to access any form of assistance, my account would first need to be delinquent or default. On XX/XX/2023, I wrote letter to XXXX XXXX the CEO explaining to him my concern. On XXXX XXXX someone from XXXX executive team called and left me voice message advising that they did received my email and would follow up with me shortly. On XX/XX/2023, XXXX from the XXXXxecutive team called to advise me they had no program available for me and that I would have be in default to take advantage of any repayment program. 

This is not only counterintuitive but also contradicts the general advice of CFPB advising consumers to contact credit companies at the first sign of financial distress. Also because my careers is in the financial industry, being in default my be detrimental on my career. 
This policy seems to penalize customers who are proactive in their financial management and are trying to avoid default. This condition leaves me in a precarious position as I try to do the right thing by maintaining my commitment to their company, while also caring for the wellbeing of my family. 

I am reaching out to CFPB in hopes of some form of assistance. 
I look forward to hearing from you and positive resolution that does not entail damaging my creditworthiness. 

My credit card acct ending in XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many Disputes to XXXX concerning an account with First Interstate Bank, First Interstate Bank has always verified information about this account. I have contacted First Interstate State Bank to request a Payment History and First Interstate Bank was unable to provide a Payment History for this Account, they could not find the account. The account information is taken from an XXXX credit report dated XX/XX/XXXX, XXXX Confirmation number is XXXX. The account number in question is XXXX from FIBANK XXXX XXXX XXXXXXXX XXXX  MT XXXX : XXXX. 
According to the report from XXXX the account was opened XX/XX/XXXX. The Terms Duration is left blank with no information ( Error 1 ). Months Revd is 99 This is incorrect ( Error 2 ). Amount Past Due is left blank ( Error 3 ). Actual Payment amount is left Blank - incomplete ( Error 4 ). Scheduled Payment Amount left blank inaccurate ( Error 5 ). Date of last activity was XX/XX/XXXX, Date of Last Payment was XX/XX/XXXX how can you have a payment after what is supposed to be the last activity a month later - incorrect information ( Error 6 ). This account was opened from XX/XX/XXXX with the last payment showing as XX/XX/XXXX. How can an account that was open 4 years and 1 month have a reported Account History with only 2 months - XX/XX/XXXX and XX/XX/XXXX showing ( Error 7 ). By law FCRA, Section 609 and 611, First Interstate Bank and XXXX are required to report information accurately. Information is incorrect, missing, inaccurate from both companies.
Product: Bank account or service

I am a Bank of America costumer and I have had my debit card replaced 3 times in the past 9 months because of a " data breech '' at an " undisclosed merchant. '' Bank of America will not disclose WHO the merchant ( s ) are or the situations leading to the breech. Going thru and updating XXXX auto-pay accts every 3 months is a hassle and as I am the customer, I feel that the absolute LEAST Bank of America can do is inform its customers of how/why my information was released. It 's as though they are protecting merchants instead of their customers
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reporting 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 in accurate.
Product: Debt collection

On XX/XX/2021 at XXXXXXXX XXXX MIDLAND CREDIT MANAGEMENT was in receipt of my written notice to cease and desist. Pursuant to 15 USC 1692c ( c ) If such notice from the consumer is made by mail, notification shall be complete upon receipt. On XX/XX/2021 the company responded to my CFPB complaint regarding the matter and stated, Per your request, the above-referenced account has been marked Cease and Desist.. IT IS A VIOLATION OF FEDERAL LAW TO NOT HONOR MY CEASE AND DESIST. MIDLAND CREDIT MANAGEMENT continues to report this account to my consumer report unlawfully. Pursuant to 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. To make this law clearer, I will re-state what was written in my initial feedback to the companys response that the above-referenced account has been marked Cease and Desist.. Pursuant to the FDCPA, Title 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Pursuant to Title 15 USC 1602 ( e ) The term person means a natural person or an organization. Pursuant to Title 15 USC 1602 ( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. XXXX  dictionary defines the word any as unmeasured or unlimited in amount, number, or extent. In summation, the reporting ( conveying of information of information regarding a debt ) of this alleged debt to the consumer reporting agencies ( a corporation ; organization ; person ) and my consumer report ( a medium ) is a violation of the Cease and Desist and a violation of federal law. I will attach a copy of the original Cease and Desist along with the USPS return receipt confirming the receipt of the Cease and Desist.
Product: Credit reporting or other personal consumer reports

This Credit Company has multiple inquiries on my credit report that is affecting my score and opportunities for future investments and ect just to clear the air the I never applied for any BARCLAYS BANK DELAWARE Bank credit card on XX/XX/XXXX or XX/XX/XXXX it's inaccurate and fraudulent it's not me apparently someone tried to open up something in my name a roommate I once lived with around those times
Product: Debt collection

I received a notice from XXXX about a charge from XXXX XXXX never signed up for a membership with XXXX and thought my personal information may have been compromised. I asked for validation of this debt, they received it on XX/XX/XXXX, its dated for XXXX XXXX and I received this on XX/XX/XXXX. After further inspection provided by XXXX, they have payment with a credit card and then a XXXX. There are no credit card numbers or XXXX numbers provided. No contract agreement provided with my signature.
Product: Money transfer, virtual currency, or money service

My account was hacked and closed for no reason I tried contacting cash app about this but I was left on delivered
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently information on my credit and background check that should not be there my identity was stolen due to a robbery where someone took my purse with my social security card driver license credit card bank information which is causing a major impact on my credit scoring and I am now trying to resolve the issue after finding this out.
Product: Debt collection

I am writing this letter because I believe I have been a victim of predatory debt collection. I have attempted numerous times to dispute this account with all three credit reporting agencies over the past few months to no avail. I have requested written confirmation of the original contract as well as my signature verification of the agreement with the new debt collector from XXXX, XXXX and XXXX. Again, to no avail. The company I am referring to is States Recovery Systems. My current credit report shows an account with XXXX XXXX XXXX in which it reflects a closed account with an outstanding balance of {$2200.00}. However, the account supposedly bought and assumed by States Recovery Systems shows a balance of {$3200.00}, a difference of almost {$1000.00}. I protest the validity and believe they are misrepresenting the amount owed and using deceptive practices inflating the amount of debt on this account illegally sinking this account further into debt. I would like this to be resolved and this company held accountable for their practices. I would like my credit reports to be updated and adjusted accordingly and this account be removed because of illegal practices.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report, leaving inaccurate or unverified accounts on the resolved. The consumer financial protection bureau. ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as falling, to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify customers of dispute outcomes. These failures align with my experience, where XXXX has either corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians in action, violates federal law in my rights as a consumer.
Product: Mortgage

Mortgage company paid property taxes to wrong APN/property. They then refused to refund the money to our account, and then increased our payment. They are now saying we are late on our payments, and sending forclosure letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked very hard to build my credit you can look before XXXX 2021 i was high score. then all of a sudden im at a XXXX from people forwarding our calls, theyve hacked into all my devices and i cant even get a report or look online bc they keep changing my password. there are 3 wrong ss # s 6 wrong addresses wrong names, and i cant get them on the phone and the one time i did, i recorded and they told me i answered my own questions wrong and the info is CORRECT! someone is messing with my whole life but my one card said Experian is the one who closed my card with credit one and i have me cancelling it on recording. i cancelled 4 cards when all this started happening. kIt was to much to keep up with all thr fraudulent charges. i had stellar payment history before, theyve made me get late payments not letting me call the real company i know this all sounds crazy but nonetheless its all true.I need to speak to an real experian representative to solve all the problems, { remove inaccuracies, names ss, addresses, companies etc. they are making it impossibe for me to get help. they somehow are blocing me from getting a live agent to fix please help me!
Product: Money transfer, virtual currency, or money service

I am writing 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 of 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.