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

Equifax identified a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files, the unauthorized access occurred from mid-XXXX XXXX XXXX 2017..  The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. Criminals also accessed credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers.
Product: Debt collection

On XX/XX/XXXX I recieved a letter from LVNV Funding LLC stating I owe money for XXXX XXXX XXXX ( 2 accounts ) going back to to XXXX and XXXX. I was living with my parents in XXXX and they were established in their place way before I moved in XXXX. I was pregnant and a single mother. Resurgent has sent me another letter due to me contacting LVNV LLC. I  do not owe either debts to XXXX XXXX XXXX.
Product: Credit card or prepaid card

I had an account through Discount Tires that started XX/XX/2020. I had been using this card on a regular basis ever since and making regular, on time payments. I never had one late payment. During the XX/XX/XXXX weekend, I decided to check my credit card balances like I typically do and noticed I wasnt able to check my balance on my Synchrony card. I finally was able to regain access through their web site and saw they had just randomly closed my account. I called and chatted with 2 representatives and 1 said they verbally closed my account based on my credit score and what 3 credit bureau agencies reported. The other representative provided no valid information and chat just stopped working. They then charged {$95.00}, which randomly hiked my account balance above the limit. This has occurred twice within less then a year.To remedy this situation, they must, 1. Reopen my account. 2. Void both {$90.00} or so charges. If this does not happen, I will seek legal representation.
Product: Credit reporting or other personal consumer reports

I canceled my old phone number and got a new phone number. Before doing this, I logged into XXXX XXXX online banking and paid my bill. However, there was a problem during the transaction and XXXX XXXX could not receive the payment. When I tried to log in to the account again, I could not log in because the old phone number wanted to send a code and I did not realize that my payment was unsuccessful. 

To make up for my mistake, I paid an extra {$4000.00} and paid the next month 's bill early. 
Then I gave it to XXXX but they did not accept it and did not remove the 30-day late payment warning from my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In this letter, I requested an investigation into several inaccurate items listed on my credit report. In addition, I also requested the correction of incorrect personal information on my credit report. To facilitate the verification of my identity and address, I included the following documents with my dispute letter : a copy of my photo ID, social security card, and recent bill with my current address to help Experian verify my identity and address. 

I received a response back from Experian dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Despite my timely and certified mailing of the dispute letter and providing sufficient documentation to verify my identity, Experian has refused to conduct a reasonable investigation. This action is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which requires Experian to investigate disputed information and provide results
Product: Debt collection

I want Barclays Bank Delaware, EIN XXXX, to remove charge off from all 3 of my consumer credit reports or I will seek monetary damages as a federally protected consumer. This is a debt that is not mine, that Ive been trying for years to get removed.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

XXXX XXXX I cleared my residents with XXXX XXXX XXXX the property manager after living there for 3yrs. Upon the inspection to clear I was informed that I will not be charged for any damage or maintenance ( ie, painting, carpet cleaning etc. ). It was just normal wear and tear. About a year later I checked my credit report and I had a collection on it from XXXX XXXX XXXX thru Credit Bureau Services. I have never rented any property from XXXX XXXX XXXX. I decided to go back to XXXX XXXX to ask a few questions. Come to find out after I moved out, the owner switched property managers to XXXX XXXX. Also I was told he went in and did his own inspection after I had moved out and cleared by XXXX XXXX. My question is how can he go in after I have been cleared and charge me for damages and maintenance with a different property manager. If there was truly any damages, why did n't it go thru the property manager I was originally with. For 15 of those months I was XXXX and the house was not occupied. I was XXXX from XXXX XXXX to XXXX XXXX. Sounds like I was being the fall guy for painting and carpet cleaning.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries Dear Equifax, I am writing to formally dispute the inclusion of unauthorized hard inquiries on my credit report. Specifically, the following inquiries were not authorized by me and should be removed : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) I did not initiate or provide authorization for any of these inquiries. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that only accurate and verifiable information is included in a consumers credit file. Since these inquiries were not authorized, they must be deleted from my report. 

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently took action against Equifax for failing to properly investigate consumer disputes. The CFPB found that Equifax ignored evidence submitted by consumers, failed to conduct proper investigations, and allowed inaccuracies to persist in credit reports. As part of the enforcement order, Equifax is required to comply with federal laws, including properly investigating disputes and ensuring the accuracy of consumer credit reports. 

In light of these findings and your obligations under federal law, I expect a thorough investigation into this matter. 

Please remove these unauthorized inquiries from my credit report and confirm the changes in writing. If you determine that the inquiries can not be removed, I request a detailed explanation and supporting documentation demonstrating that these inquiries were authorized. 

Failure to resolve this matter may result in further action, including filing a complaint with the CFPB or seeking legal remedies under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response within the required 30-day period. 

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

Creditors has failed to fulfill it legal obligation under the fair credit report act ( FCRA ). To conduct a reinvestigation of disputed information on my credit report, leaving inaccurate unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXXne of the three participating credit bureaus, alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX corrected nor removed disputed items despite the evidence provided causing undoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I was informed that my information was included in a data breach and when I went to check my credit I noticed that I had XXXX collections showing my my credit that are not mine and filed a FTC report along with this under CFPB. I contacted XXXX credit and was told the account is with XXXX XXXX. Once I called them I was told to call account Support at ( XXXX ) XXXX. I informed them I was a victim on identity theft and was told the account would be removed. Unfortunately to this date it is still showing on my direct file.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc of inaccurate information showing up on credit report Equifax, XXXX, and XXXX has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Product: Money transfer, virtual currency, or money service

Venmo has locked my Venmo account and money in my account due to a fraud claim submitted inaccurately on XX/XX/year>. The claim came from my girlfriends credit card provider sending me money which incorrectly flagged the charge as fraud. She has since cleared up this issue with her card company and they have agreed to not flag the charge as fraud. I have provided all this information including the direct letters by mail from her credit card company stating there is no fraud and they will no longer be declining the transaction to Venmo. I have sent this off to Venmo on XX/XX/year> but Venmo is currently not doing anything to fix this issue. Instead hiding being a TOS policy of 75 days even when the direct evidence has been presented stating there is no fraud, the charge is not being disputed, and they will get their money. This company has XXXX actual customer support that is going to rectify this situation and basically just withholding my funds illegally at this point. I have spend countless hours on countless chat conversations with Venmo but no one and I mean no one is remotely doing anything to actually investigate this fraudulent fraud claim.
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 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 were 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 or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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

OPENED SECURED CREDIT CARD PAYED ON IT EVERY MONTH AND ONE MONTH REPORTED 30 DAYS LATE HAD NO BALANCE SO DID NOT MAKE PAYMENT THAT MONTH THEY SAID I OWED EVEN IF DIDNT HAVE BALANCE NOT FAIR JUST TRYING TO LIVE ONE DAY AT A TIME THANKS
Product: Credit card or prepaid card

My late father opened up credit cards in my name and my siblings names without our consent. He stole our birth certificates and social security cards and applied to these credit cards and loans. I never got the chance to even build my credit due to this. he passed away this month nand I'm left in debt along with a car note that is through the roof. I'm planning on keeping the car since I retrieved it at his home the week of his passing, it is already in my name but everything else that is on my credit is was not me it was him and it's making me so XXXX  and miserable, I'm not even able to get my own apartment or open any credit cards to help me prosper in my life. {$660.00} Capital one - 1 year and 11 months {$420.00} Capital one 1 year and 9 months {$720.00} XXXX XXXX XXXX  1 year and 6 months {$270.00} XXXX XXXX 1 year and 5 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX XXXX. I did not authorize this or sign anything to have my credit pulled.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

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
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires on my credit report. I demand the following fraudulent inquires be removed from my credit report. Its a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
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

After examining my credit report, I observed inaccuracies in the listed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

Previously asked for proof the debt was mine never received any information i requested such as but not limited to. A copy of the original contract signed with my handwritten signature. The last payment date, and the amount owed to the original creditor when the account was charged off as a bad debt. I believe LVNV is adding interest into the equation after the account was previously closed and its within my rights to request this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report that I did not authorize.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the following accounts that are inaccurately reported under my name. These accounts are the result of identity theft and do not belong to me. I have attached an official Identity Theft Report to substantiate my claim, and I am requesting that you immediately investigate and remove these fraudulent accounts from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the fraudulent accounts : Disputed Fraudulent Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} Fraudulent Account : This account does not belong to me. I have no record of opening this account and have not authorized any transactions with this creditor. 
XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} Fraudulent Account : This account was opened fraudulently, and I have never had any dealings with XXXXXXXX XXXX regarding this account. 
XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} Fraudulent Account : I did not open this account, nor have I ever authorized XXXXXXXX XXXX to report this account under my name. 
XXXXXXXX XXXX Account Number : XXXX ( Duplicate Account ) Date Opened : XX/XX/XXXX Balance : {$6100.00} Fraudulent Account : This account is a duplicate of the account listed above and was also opened without my knowledge or consent. 
Legal Rights and Actions : Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2, consumers who have been victims of identity theft are entitled to request that fraudulent accounts be removed from their credit report. Additionally, Section 1681i requires that credit reporting agencies conduct an investigation when a consumer disputes information, and if the information is found to be fraudulent, it must be corrected or removed within 30 days. 

Request for Immediate Action : I am requesting the following actions : Immediate removal of the above fraudulent accounts from my credit report. 
Investigation of the fraudulent activity on my credit file. 
Written confirmation once the fraudulent accounts have been removed and the investigation is complete. 
Supporting Documentation : I have attached the following documents to assist in your investigation : A copy of the Identity Theft Report filed with [ Agency Name, if applicable ]. 
A copy of my credit report with the fraudulent accounts highlighted. 
A copy of my government-issued ID for verification purposes. 
As these accounts are the result of identity theft, I expect the fraudulent accounts to be removed from my credit report immediately. I also request that you notify me of the outcome of your investigation within 30 days, as required by law. 

If further documentation is needed or if you require additional information, please do not hesitate to contact me at [ Phone Number ] or [ Email Address ]. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this important issue.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been reporting fraudulent mortgage payment amounts to the credit companies. And then used these fraudulent numbers to file for foreclosure on my home. In a correspondence dated XX/XX/XXXX from XXXX XXXX Complaint Specialist XXXX XXXX. She stated " Principal and interest payments of {$1000.00} starting on XX/XX/XXXX for 30 years. '' Also she admits that XXXX XXXX XXXX XXXX. Can not produce proof that they gave me any type of Loan. Stating " XXXX must decline your request to produce a signed contract proving that funds were provided in the form of a loan ''. However XXXX XXXX XXXX XXXX has reported to all three credit agencies that I'm delinquent for the payment amount of {$17000.00} per month. This fraudulent amount is not the amount of my original loan from XXXX XXXX that I have a signed contract with. They have admitted to fraudulent action and extortion of funds and proof that they have no contract with me to demand anytime of repayment.
Product: Credit card or prepaid card

On XX/XX/XXXX, 2023.I had ordered an pair of sneakers using my chase credit card on XXXX of an amount of XXXX dollars in which i never received. My credit card provided informed me to mailed me some documents to sign that i never received at all. I need an solution for this issue.