23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I want this late payment deleted from my account within XXXX XXXX, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Product: Debt collection

i sent them an identity theft affidavit and nothing was done. they are aware its not mine. Per the section XXXX a XXXX once they learn its nt mine it should be removed. this is causing me hardship. i need resolution now. Its not fair,
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my own as well as my wife 's social security information was leaked without my permission by Equifax. As far as I know my social security number has not been used, however I 'm certain it is now unfortunately public information and this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not properly investigating my disputes they ignored my documents in which I sent my police report as well as my identity theft report stating that XXXX  XXXX on my credit report is not my account. This is illegal what they are doing. I also did not consent to this reporting. According to XXXX XXXX XXXX, they are violating my rights.
Product: Debt collection

Sent a {$1100.00} check # XXXX mortgage payment that was received on the XXXX of XXXX signed for by XXXX XXXX ( sent XXXX mail tracking # XXXX ) as a result I have received a statement from XXXX indicating that the amount is double plus additional excuses for not posting the payment or looking into the matter. I was informed for XXXX weeks that the matter would be looked into and it would take about XXXX to XXXX hours, the time has lapsed and the matter has not been taken care of. I would like to know where to send the future mortgage payments since XXXX is not doing their job by posting payments causing a financial kerfuffle. 
This issue should have been resolved XXXX weeks ago but it was not.
Product: Credit reporting or other personal consumer reports

Let me be very clear : the reporting of a debt from I C System Inc on my credit report is unlawful and a blatant violation of both federal and state laws. This company is not licensed to collect debts in the state of PENNSYLVANIA nor OHIO yet they have the audacity to report an account and attempt collection.

Under the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 5 ) ( 15 U.S.C. 1692e ), it is illegal for debt collectors to use deceptive or misleading practices, including attempting to collect debts when they are not licensed to do so. Their actions also violate my states specific licensing requirements, which I have attached proof of.

This is not just a disputethis is a demand for immediate action. You are required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 15 U.S.C. 1681i ) to conduct a reasonable investigation of this dispute. Failing to remove this inaccurate and unlawful reporting will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

I expect you to delete this account entirely from my credit file without delay or I sue for {$500000.00}. I have attached all supporting documentation, including proof that I C System INC is not licensed in my state and therefore can not legally collect this debt.

I am watching this matter closely and will not hesitate to escalate if my rights are ignored. You have 30 days to resolve this dispute and confirm the removal of this invalid account. In addition I am demanding {$1000.00} for your violations! 

I have attached a screenshot of all states in which you are licensed!
Product: Checking or savings account

On XX/XX/XXXX a Wells Fargo XXXX was sent to a person I have never heard of in the amount of XXXX. That money was provided to me through 2 different loan companies to pay my rent. I filed a fraud claim on XX/XX/XXXX, closed the account that my money was stolen from, and opened a new account with added security as the bank suggested. I was told by the bank that I was approved for provisional credit but the bank denied me. Wells Fargo denied my claim on XX/XX/XXXX stating I compromised my account by giving the loan companies the information to make a direct deposit into my account. I have never sent money through XXXX and its illogical to think I would send someone all my money that I dont know. The agents were rude and I felt like I had been victimized twice. I went to the XXXX XXXX branch and they refused to help me. I offered to let the investigator at Wells Fargo look at my phone but I was told that wouldnt be necessary. Wells Fargo then proceeded to push through both payments to the loan companies when my account balance was ZERO. ( Its negative XXXX ). On XX/XX/XXXX I received an email from one of the loan companies stating that Wells Fargo had provided them with my new account information! So, they can deny my claim on an accusation of compromising my account but its okay for them to do it? I have requested, several times that they send me the reason my claim was denied, in writing, but as of todays date XX/XX/XXXX, I havent received anything. The person that stole my money is registered with XXXX because the name appeared on my transaction log so why havent the investigated, questioned, or arrested that person for fraud? As a result of my money being stolen, Wells Fargo not investigating my claim, and refusing to go after the criminal not the victim ... I became XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX, no money for gas to get to work so I lost my job, no money for food which has resulted in me losing almost 40 pounds, XXXX  XXXX, XXXX, and XXXX XXXX. I am a XXXX XXXX XXXX woman that doesnt have anyone to help me. Please ... I am begging for your help in getting my stolen XXXX back and the negative XXXX put back into my account. I never requested overdraft when I opened my account but I did receive a XXXX bonus when my first direct deposit was put in my account. I contacted XXXX but was told that my bank was responsible for allowing this transaction and since I am a victim of fraud, I am entitled to REG E protection. I have also sent a complaint about Wells Fargo to the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCT 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
Product: Credit reporting or other personal consumer reports

Discover entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party credit bureau. Their terms and condition says they do not provide my information to third party non-affiliates. the violated their own terms and condition when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additionally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

I have already contacted the creditors who report these Inquiries that I do not recognize and are fraudulent and have already been reported to the fraud department. These are the fraudulent 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
Product: Money transfer, virtual currency, or money service

I requested to be refunded for the instant transfer fee of {$12.00} for my transaction of {$720.00} to my XXXX bank account on XX/XX/year>. I had to make this transfer because I could not use my card or make payments from my account despite have sufficient funds. I reached out to customer service and was transferred across three different teams yet they did not provide a solution or have an answer to the reason why I did not have access to the fund in my account. I finally reached a customer service representative who told me that there was a system issue so l had to wait to be able to use the funds in my account or transfer the money. I asked why account holders were not notified of a block to their account from a system issue and was told that not everyone was affected. The representative said I would have to wait to be able to use my funds ( no expected time frame was given ) or I transfer my money to an external so l could use it. ( Case # XXXX ). I had the option of making a free standard transfer that would be processed the next business day ( 2 days later ) or an instant transfer with a charged fee ( {$12.00} ) to be able to use the money in my account that day. The transfer that I had to make because the Credit karma money had a system issue and wasnt processing any payments. I was told to expect an email for assistance from the department in charge. I did not receive an email or any follow up. I reached out again XX/XX/year> about reimbursement for the fee from a transfer a had to make because of the Credit Karma money issue and was told, Unfortunately we do not have this option since you made this transfer, and I know you made it because a system issue but we are unable to refund you and in that case you were able to make a normal transfer to avoid the fee. ( Case # XXXX ) The normal/standard transfer without the fee would have processed the next business day which was two days laters. I know this because In the past I had to wait till the following business day ( Monday ) when sending a external transfer over the weekend. I was redirected to the dispute team and spoke to a representative there who told me they couldnt solve that issue and was transferred again to their general customer service department. After explaining the issue I was told again that they could not compensate for the fee because to complete an instant transfer the 1.75 % fee of total amount must be applied ( Case # XXXX ). 

Summary : I wasnt notified about not being able to have access to my funds, and had to make an external transfer that required a fee. Credit Karma is refusing to take accountability or compensate for the major inconvenience that blocked access to my money and the fee I had to pay to use money when I needed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT ALL 4 CREDIT BUREAUS TO LISTEN TO ME REGARDING ALL SECURITY ALERTS AND CONSUMER XXXX.
Product: Debt collection

hello, XXXX have a debt collection of {$5.00} & {$11.00} on my credit report.which was in my bankruptcy discharge.i need this took off my credit report.you may need to contact .XXXX at XXXX. about this matter.R.M.C. is the collection agent who is handing the case.there p. # XXXX orXXXX.ask for XXXX XXXX for XXXX.there p # XXXX
Product: Mortgage

I applied for a loan to purchase a home in XXXX XXXX. I was a pre-approved $ XXXX with XXXX XXXX, Mi Mutual Mortgages. We moved on with the purchase, did the inspection and they were working on the loan. They kept on asking me for documents over and over and I provided them with everything requested. I was told that everything is ok that the loan is just processing and we are waiting for the appraisal. The whole process was longer that usual and the communication very poor. At one point right after the appraisal was done my lender completely stopped communicating with me. He never answered my calls, e-mails or text messages. Just to find out from my realtor right before closing that the loan was not approved and they need more documentation. Now the file got moved to the company 's branch manager, XXXX XXXX, who took over from here. He was as bad in communication as his employees. The only updates I got were from my realtor and she was trying really hard to keep this communication going. They kept promising us that they would review the file at a higher level in the company. All the emails that my realtor shared with me clearly stated that they would n't approve us, but XXXX kept saying that they were working on it. They even pushed us to get an extension where my earnest money would have been jeopardized. Luckly my realtor did not let this happen, knowing that all we have in hand is a promise. At that point the listing agent got involved and he had his wife, who happens to be a lender try to look at this loan and see if anything can be done. XXXX completely refused this. This is when we found out that Mi Mutual had not even done a verification of employment, almost two months into this transaction, although they had all the necessary information from the beginning. 
Now if they knew so long ago that this loan wo n't get approved then why did they do appraisal? I spent {$700.00} out of my pocket and an additional {$350.00} on inspection just to tell us two months later that they ca n't approve the loan. This is outrageous! 
I tried contacting them several times requesting at least my appraisal money back. It was their mistake from the beginning. I felt like they overlooked and ignored my file until later in the transaction and they were trying to save it all at the end. 
Now when I asked for a resolution and my appraisal money back, I got no answer, no response to my emails or calls. I have received no communication from the mortgage company whatsoever. 
More so, going through another lender afterwards, they would only approve me for max $ XXXX. This is almost $ XXXX difference!!! How can they be so off in their calculations if they had many sets of eyes going over my loan? This is unethical and Mi Mutual Mortgages need to be held accountable.
Product: Credit reporting or other personal consumer reports

# XXXX Child support enforcement XXXX dollars that amount is wrong. # XXXX XXXX XXXX XXXX dollars close and XXXX XXXX XXXX  XXXX XX/XX/year> close and pay off settlement for XXXX dollars please reivew
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following accounts listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/20XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed all reported collection accounts from : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts have not been removed nor have I been provided with the hard copies of verification documents and methods in case this must be litigated against the credit reporting agency. 

On XX/XX/2020 I received online Dispute Results from XXXX  in which 10 entries in total ( 5 ) XXXX XXXX, ( 3 ) XXXX XXXX, ( 1 ) XXXX XXXX, and ( 1 ) XXXX XXXX XXXX   have been deleted from XXXX. 

Under FCRA 623 ( b ) ( 1 ) ( D ), if a furnisher determines, after investigation of a referred dispute, that the information either requires correction or deletion, they must report that correction or deletion to each CRA to which they have also reported the information. 

It is not sufficient to simply update/delete with the CRA through which the dispute was made. 

This credit reporting agency is continuing to erroneously report these entries causing me financial harm. 

I am attaching the results of the online dispute with XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX  with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate accounts appeared on my credit report today, and I don't know why. During my routine check, I noticed discrepancies that were previously absent. I refreshed my browser in case it was a technical error, but the inaccuracies persisted. Because of this issue, I am requesting a thorough review of the documents I've sent to alleviate this concern permanently.
Product: Credit reporting or other personal consumer reports

What is the reason I was denied a XXXX store credit card? EXPERIAN 's explanation is " REASON : Unspecifed '' This negative mark is showing on my report as a hard inquiry to remain on EXPERIAN 's record until XXXX 2024.
Product: Money transfer, virtual currency, or money service

I am a lifetime Citi customer and recently had {$32000.00} stolen from my account via an unauthorized wire transfer. 

In the span of XXXX minutes on XX/XX/2022, I received three emails : - The first letting me know that a new payee had been added to the account - The second IDENTIFIED an attempt at a potential fraudulent transaction - Before I even had the opportunity to see the email on my phone, the wire transfer was sent and all of the money in my Checking Account was stolen without giving me the opportunity to identify whether or not it was a fraudulent transaction. 

In the immediate aftermath, I followed every instruction I was given by Citi. I called customer service, opened a fraud case, went to a local branch, and filed an affidavit. 

I was told there would be an update in 2 business days and that the case would be resolved in XXXX days. In 2 business days, I was told to call back in 4 business days. In 4 business days, I was then told the case would be resolved in XXXX days. The next representative I spoke with told me the timeline was XXXX days. 

After a Citi rep told me that I was eligible to file for a provisional credit, I called the department only to discover that another rep told me that wire fraud cases weren't eligible for provisional credit. 

I am extremely worried that Citi will not reimburse me for the theft, increasingly so after doing research and seeing the feedback from Citi customers who have gone through a similar experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as LATE for any purpose.