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

I contacted XXXX and asked them to correct the inaccuracies that they are reporting to Experian, XXXX  and XXXX they ignored my request. 

I contacted XXXX, XXXX and Experian and asked them to verify this incorrect information or remove this account from my credit file because it is not being reported with 100 % accuracies. 

They are reporting different things to all three of them. The account types are different. The 30, 60, 90, XXXX  and XXXX  are being reported on differently. The same derogatory late payments are being reported on all the reports on different months. An account that is reporting 100 % accurate information would never do that. All the information would match on all 3 credit reports.
Product: Credit reporting or other personal consumer reports

I had been paying my XXXX credit card when billed until they changed their billing email address, without notice, and my statement was caught in my spam filter. I did not know I owed anything until notified of a credit score problem by my bank. 

I contacted XXXX and tried to pay the bill but they said the account had been closed. I looked at the statement online and the due date is XX/XX/2023 ... today is XX/XX/2023 so the bill STILL isn't due. Fortunately, I printed the statement as XXXX has now blocked me from seeing it. 
I had XXXX XXXX send a payment to them and I have proof of payment from the bank. The payment was processed on XX/XX/2023. 

I filed a dispute via Experian and XXXX rejected it. 
I called Experian to file another one and they did. 
I called the XXXX dispute line, XXXX, and could not get through to a human operator because I no longer have an account. 

I have excellent credit and have lost points on my score due to an {$8.00}... now {$10.00} charge. Actually, I called XXXX today and they said my balance is XXXX so it looks like they accepted the payment from XXXX. 
This is ridiculous. I paid over $ XXXX to my XXXX XXXX this month so I definitely would not duck out on paying a measly {$10.00}. 
XXXX is being completely unreasonable and unhelpful. 

Thank you.
Product: Credit reporting or other personal consumer reports

recently i found several inaccuracies on my recent consumer reports on the account by the name of XXXX XXXX XXXX account # XXXX this account is hurting my ability to obtain credit. all the bureaus need to investigate this account for me because I found multiple inaccuracies. Experian, XXXX, XXXX please ensure accuracy 100 % accurate with all information verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Name of Account /Physical Verification Creditor 1 -XXXX XXXX XXXXXXXX XXXX XXXX THIS IS AN FRADULENT ACCOUNT. Remove immediately. 
Please remove all non-account holding inquiries over 30 days old. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Thank You, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals
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. 

1. XXXX XXXX acct # XXXX 2. XXXX XXXX XXXX XXXX acct # XXXX 3. XXXX XXXX acct XXXX XXXX 4. XXXX XXXX acct # XXXX 5. XXXX ( original creditor XXXXXXXX XXXX XXXX acct # 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: Bank account or service

I was told I was eligible for a XXXX XXXX XXXX bonus on a new CitiXXXX checking account if I completed certain requirements within 60 days, so I signed up in XXXX of 2015. All requirements were met, which was confirmed with them repeatedly. They collected monthly fees in the amount of {$30.00}, and then when it came time to provide the bonus, I was told I was not eligible and that I would not be getting the bonus. I have tried to escalate this repeatedly with Citi customer service, promotions department, etc, even going as far as showing them proof that I was told I was targeted. It is ridiculous that Citi is allowed to get away with such blatant deceptive marketing practices, and then to collect monthly fees on top of it. I have spent over 15 hours trying to straighten this out, but have now given up hope. I think that Citi should be held accountable for their actions though. I hope that the CFPB can protect consumers from Citi 's deceptive practices in the future. If my complaint helps at all in preventing XXXX other person from signing up for their misleading promotions, then I will be glad.
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint regarding fraudulent accounts and inquiries on my credit report resulting from identity theft, which have caused significant harm to my financial well-being. The following accounts and inquiries, including XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), and others, were opened without my authorization. Additionally, several addresses, such as XXXX XXXX XXXX XXXX, XXXX, MN XXXX, and others, are not associated with me and must be removed. These accounts have inconsistent open dates and information across XXXX, XXXX, and TransUnion, violating 15 U.S.C. 1681e ( b ), which requires accuracy in reporting. Furthermore, creditors failed to notify me within the required 5-day window under 15 U.S.C. 1692g and have not provided validation of the debts despite repeated requests, violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 1 ). Under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of this fraudulent information from my credit reports. I have submitted supporting documentation, including a police report, proof of identity, and certified dispute letters, yet no action has been taken. I demand immediate corrective action to remove and block these fraudulent accounts and inquiries from my credit reports, as their continued presence is a clear violation of federal law and has caused substantial damage. Failure to address this matter promptly will compel me to pursue legal remedies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XXXX {$2400.00} XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXXXXXX XXXX {$13000.00} XX/XX/XXXXXXXX XXXX XXXX {$7700.00} XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Data breach happened, per 15 USC 1681c2 please clock and delete these items within 4 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to dept of telnet asking them to send proof with my signature for over 5 years just recently I sent them a police report and the company still fail to remove this student loan off my report I have also sent them my id .I have sent out over XXXX letters asking them to send me original signuature they have fail to do so .dept of nelnet I have reach out to them on numerous occasion over the phone they stated it will be removed.and yet it is not this is very frustrating just want this off immeadtly.i have also spoke with a young lady by the name of XXXX if that was her real name she stated to me that the company XXXX was being sued for fraud years ago and that I wasn't the only one going through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Mailing Address : LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Violation of 15 USC 1666 - Demand for Removal of Negative Account from Consumer 's Credit Report Dear Sir/Madam , I am writing to address a serious matter regarding the consumer credit transaction and the violation of federal law as outlined in 15 USC 1666. It has come to my attention that LVNV Funding LLC has reported a negative account on my credit report, despite the fact that the debt was charged off or written off for profit by the original creditor. I am hereby demanding that LVNV Funding LLC immediately removes the account from my credit report in compliance with federal law.

Under 15 USC 1666, consumers are entitled to certain rights and protections in credit transactions. It is crucial that creditors and debt collectors adhere to the provisions set forth by this federal law, ensuring fair and accurate reporting of consumer accounts.

In this case, the debt associated with the aforementioned account was charged off or written off for profit by the original creditor. Therefore, it is a direct violation of 15 USC 1666 for LVNV Funding LLC to continue reporting this negative account on my credit report.

I hereby demand that LVNV Funding LLC takes immediate action to remove the account from my credit report within three ( 3 ) days of receiving this letter. Failure to comply with this request will leave me with no choice but to file a formal complaint with the appropriate federal authorities, including the Consumer Financial Protection Bureau ( CFPB ), and pursue legal action against LVNV Funding LLC for violations of federal law.

Please be aware that such violations may result in severe penalties and damages awarded to the consumer. I expect full cooperation from LVNV Funding LLC in rectifying this matter promptly.

I urge you to take this matter seriously and act accordingly to rectify the violation. Any further contact regarding this account must be made in writing and sent to the address provided at the beginning of this letter.

Thank you for your immediate attention to this matter. I anticipate your prompt compliance with my demand to remove the negative account from my credit report, thus resolving this violation of federal law. 

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

I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX, and XXXX  XXXX XXXX. These accounts were reported " Verified ''. Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX  notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus.
Product: Checking or savings account

Went to the XXXX XXXX XXXX.Ordered XXXX item that cost {$20.00}. Left bar. Saw my card was charged for {$110.00} dollars. Asked the business to provide a Reciept. Reciept provided had wrong items ordered {$57.00} and a tip of {$53.00} dollars. The signature was not mine. Navy federal which has hundreds of examples of my signature says its closed and wont provide me the document they used to say it was correct or they attempt to place me on hold for XXXX hours. XXXX XXXX XXXX XXXX would not refund my money. I informed the person I spoke with that someone had forged my signature and they attempted to check the cameras. They said the camera was unable to go back that far. I have XXXX witnesses willing to provide a sworn statement. Below is a copy of my signature on my drivers license and the Reciept with the forged signature
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for INNOVIS to FREEZE my credit report and they sent me a mail for 3 different Case # to send in a copy of my ID and Proof of address. I feel this is a delay tactic to honor my request to FREEZE my credit report for INNOVIS. | ( 1 ) Case # XXXX| ( 2 ) Case # XXXX| ( 3 ) Case # XXXX __ | See attached document
Product: Credit card or prepaid card

On XX/XX/XXXX, i was told by a Comenity bank representative that i am eligible for the 60 month hardship program and I had to pay {$110.00} and to call back to complete the enrollment, because due to their new system, the billing cycle had to process another month. She said she would notate the file and to call back on XX/XX/XXXX or XX/XX/XXXX to complete the enrollment. I called back XX/XX/XXXX and the representative at that time, said I was given the wrong information and i was transferred to payment resolutions and was told to call back on XX/XX/XXXX or XX/XX/XXXX to complete the enrollment. I called back today XX/XX/XXXX and they said i was told wrong information again and I can not enroll unless i make more payments. 

I tried to do this same program back in XX/XX/XXXX ( paid ) approx {$100.00} and had the same issues, i get told different information each time I call and I am not enrolled in the program. In the meantime, I am accruing late fee 's. i am not disputing i owe this debt, I just want the program the offered.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose MOR Reported : XXXX XXXX, XXXX - {$97000.00} In good standing Overview You have 99 % left to pay on this real estate loan. 

Balance {$97000.00} Highest Balance XXXX XXXX Monthly payment {$910.00} Opened XX/XX/XXXX ( 9 mos ) Term 360 months Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Current Late Unknown Last payment XXXX XXXX  XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type FHA real estate mortgage Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Times XX/XX/XXXX days late XXXX Closed No Info Remark code added to XXXX XXXX XXXX account XXXX XX/XX/XXXX and XX/XX/XXXX, the following remark was added to this account : Account information disputed by consumer, meets FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing XXXX XXXX XXXX through Experian and XXXX and they have refused to delete this from my credit report and XXXX have deleted from my credit report and this is causing a problem with my credit report. I have also disputed XXXX XXXX XXXX and that hasn't been deleted from my credit reports either. I have also summitted FTC letters to all the creditors and the items still remain on my credit report I would like for this matter to be handled immediately because it's affecting my credit report and hindering me from doing things with my credit.
Product: Money transfer, virtual currency, or money service

XXXX Domestic Wire Transfer {$22000.00} Wire Transfer domestic sent from XXXX to XXXX XXXX XXXX Texas This was done on XXXX between XXXX and XXXX I then realized that I just had been scamed and frauded out of my funds I imediately drove back to 5/3 and told them of the situation They contacted there fraud and secuity dept as well as the fraud dept forXXXX XXXXXXXX XXXX I was told that both banks were working on my case and everything should be ok. 
I was given a copy of the transfer aggrement and found that an associate of 5/3 was to ask me a series of questions prior to sending those fund s. This procedure was to help secure my money and safegaurd it The proceedure was never disussed with me and the fraud was completed. I can assure you that video and audio of this transaction will prove bank negligence in the LOSS of my {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment. 
2. ) I received ZERO notification from XXXX during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail. 
XXXX. ) The Cares Act signed into Law XX/XX/XXXX States that XXXX XXXX XXXX can not report late from XX/XX/XXXX and XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the above mentioned fraudulent items. I do not recognize the above mentioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

MAURY COBB ATTORNEY AT LAW LLC has called me more than 30 times and WILL NOT stop the calls or harassment. They claim I owe a debt that I do NOT owe and has nothing to do with me or ANYONE i know. This is COMPLETE FRAUD. 
There have been no less than 42 separate complaints to the BBB, 20 of which were this year alone and these guys still operate with total impunity from the law. For once I wish there could be some justice from these frauds. 

Info for his business : XXXX XXXX XXXX   XXXX BBB Complaints : XXXX XXXX   XXXX