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

I am writing to request proof that the account listed on my credit report with the following information belongs to me Account XXXX : XXXX -Account Number : XXXX -Balance : {$81.00} I dispute the accuracy of this information and request that you provide me with documentation that proves this account is mine. Please provide one or more of the following documents : - A copy of the original contract or agreement - A statement or invoice showing my name and address - A payment history or record of payments made - Any other documentation that verifies my ownership of this account I request that you provide this proof within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). If you are unable to provide proof, I request that you remove this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit this formal complaint to the CFPB regarding the fraudulent account that appeared on my credit report. To my dismay, upon reviewing my credit report, I discovered an account that I did not authorize or open, which is a clear case of identity theft. I demand that you block the reporting of any information on my credit file that resulted from this fraudulent activity. The account in question is under the name of XXXX  XXXX XXXX, with a date of opening on XX/XX/2017, and a balance of {$20000.00}. Let me make it abundantly clear that I did not open this account or permit anyone else to do so on my behalf. It is imperative that this account be removed from my credit report as soon as possible.
Product: Debt collection

They are contacting me regarding my deceased Sister-in-Law of which I have no financial obligation to pay her debt
Product: Checking or savings account

XX/XX/2024 - someone got access to my citi account XXXX and did a mobile deposit of {$10000.00} XX/XX/2024 - someone wired out {$3000.00} to XXXX XXXX, {$4900.00} to XXXX XXXX, {$3000.00} to XXXX XXXX. 

XX/XX/XXXX XXXX Checked bounced and account went to negative balance XX/XX/2024 - Reported to Citibank XXXX and told me that its fraud, was transferred to Citibank back office via phone and told me to wait 60 days, account is closed due to investigation and final result will be via letter XX/XX/2024 - Reported to Citibank XXXX and same thing wait 60 days account is closed due to investigation and final result will be via letter. Filed a police report in XXXX, emailed it to citibank XX/XX/2024 - Went to Citibank XXXX, They told me that nothing was reported and account is going to foreclosure. I told them what steps I needed to do to recover my bank and reverse the scammed transactions. They told me to contact local authorities and attorney. Citibank will not help.
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 ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS 1

5 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15U.S.C. 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

MEDICAL COLLECTIONS ARE ALSO PROHIBITED FROM VIOLATING HIPPA LAWS AND WITH WRITTEN CONSENT CAN NOT FORWARD ANY PERSONAL HEALTH DIAGNOSIS TO ANYONE
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind. Equifax needs to take this complaint seriously because they are in violation of the law!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are errors on my credit report. The accounts numbers XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX ARE NOT MINE I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. 
That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent account from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, this account was not authorized by me and must be removed immediately. 
The fraudulent account is as follows : XXXX - XXXX - XX/XX/XXXX $ XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

XXXX I checked my free credit reports ( it is actually very difficult to do, as the system does not work optimally ; I was able to pull up only one free report ). Because I had to pay for others, I also got my XXXX score. It was above XXXX. Imagine my shock when my credit union told me that Experian was reporting my score at XXXX. It makes a huge difference in the interest rate I can get. Ex. lists a delinquency in my report and other problems that neither I nor the credit union saw XXXX in the actual report ). I have credit history from 1982, and only XXXX 30-day late payment in all that time ( from XXXX ; also subject to a dispute ). It is inconceivable that the score would be so low. Experian needs to correct the errors, so the score may be adjusted.
Product: Checking or savings account

The account showed " Account is under Restriction '' please contact us as soon as possible. 

I called 4 times so far, and each time they keep saying it is " under review ''. When I asked WHY is the account being restricted, they say they do not know why but that " they '' currently have in " in review ''. 

So I dont know the Why, the When ( of when it will be released ) or the " Who '' as to WHO is the party that is investigating this, so I can possibly assist them in their investigation.
Product: Debt collection

During my routine credit check, I discovered that Capital One has reported two charge-off debts on my consumer credit report. This notation was unexpected and concerning to me, as I have no recollection of any outstanding debts with Capital One. I have kindly requested that they provide me with detailed information regarding this charge-off. Furthermore, as per IRS regulations, if a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue a 1099-C form to the debtor for tax reporting purposes. Since the debt in question show 's as charge-off on my consumer credit report by Capital One, I have requested that they provide me with the appropriate 1099-C form as required by the IRS, to no avail. I have also requested they provide me with a written explanation of the debt in question, including the original amount, the date of charge-off, and any pertinent details regarding the nature of the debt. Additionally, I have asked that Capital One promptly furnish the necessary 1099-C form to ensure compliance with IRS regulations .
Product: Debt collection

I have contacted I C Systems INC about a debt in the amount of {$630.00} for XXXX pet hospital. The account is not mine and is how it is spealt in XXXX not english form. The account is for a dog named XXXX which I do own but anyone can make up a name for a dog & my neighbours have pets as well in the same apartment complex. I do not know who may have done this but I know without a doubt it was not done with my conscious, present authority at the location the contract signing took place. 

This is a case of identity theft and I have never opened an account/ entered into a contract nor have I ever signed a contract with my signature with XXXX  pet hospital . 
I assume my brother entered into into the contract and he has paid for the account using his credit/debit card but upon speaking with him he does not remember. 

I have contacted the representatives and was constantly told " I don't know '' if a police report being submitted will result in removal of the fraudulent debt. XXXX has contacted me and I have told them as well that I have never signed a contract with them. 

I have submitted disputes to the Credit reporting agencies and a dispute to IC Systems INC. 

The signatures on the contract will not match my signature on my driver 's licence nor will security camera footage from the day the contract was signed will show I was not there to enter into the agreement. 

I request this fraudulent debt be removed as it does not belong on my account.
Product: Checking or savings account

In 2016, I was banking with Bank of America and received a check and attempted to deposit it after doing work for a private business owner. After depositing the check, my account was frozen and I went into the bank the next morning to see what the issue was. As a young college  student that was only trying to deposit a check, I was terrified when the bank told me they would call the police to have me arrested. I was given a bad check and was placed with in the EWS and Bank of America did not lose any money because no money was withdrawn. They kept my savings and would not let me with draw it because they closed my account. They will not answer any of my questions or get into contact with me at this time.
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 reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Requested credit score for the first time this year from Experian and was charged {$4.00} to view my score.
Product: Consumer Loan

omni Financial is still reporting my account as delinquent and the account was included in bankruptcy. I sent out a dispute letter to each credit bureau and neither have responded or try to fix the issue with the inaccuracy.
Product: Debt collection

The letter I received is dated XX/XX/XXXX. The debt amount is {$17000.00}. The entry date is XX/XX/XXXX. From the law office Kirschenbaum & Phillips to contact my employer if I do not voluntarily submit weekly payments to this law office via XXXX XXXX Sheriff Office.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023, I have been asking transunion credit for a dispute over some accounts, dispute after dispute and as of today, they do not validate the account as mine and they do not delete the account, violating the fair credit law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing in all inaccurate information on my credit report with experian. please remove all invalid data that is hindering my file.
Product: Mortgage

My wife and I sold our home and relocated to XXXX  from XXXX and wanted to purchase a new home. We have had a mortgage with Bank of America since XXXX. Our credit history is exemplary with BOA and over credit score of XXXX. Our income at that time was {$8400.00} with only debt being student loan ( {$55000.00} ) we had the proceeds from the sale of our home, and we were willing to put $ XXXX {$100000.00} down. Bank of Americas response to us was a question : Can you get a co-signer. We were stunned and this response has never settled well with us. 
This all took place in XXXX of XXXX. We had a few deaths in the family before this and after as well, so we didnt have the mindset to follow up.
Product: Checking or savings account

My edd account through bank America was in fact hacked and over {$25000.00} in pandemic unemployment money was stolen. It took over two years to have the money returned, for which I had to fly to California to file a police report. XXXX did not follow through. The slimed the case and made no effort to help me get the funds returned. I in fact had to contact XXXX XXXX to get a spotlight out on my case. I am very disgusted with both the bank and the states handling of the situation as a whole. Gross.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having an account with afterpay to 2+ years and this is the 2nd tine they dropped my limit and changed my status for no reason. I returned an item to XXXX XXXX on XX/XX/2021. I called and advised Afterpay. It took a while for XXXX XXXX to receive the returned so I called and asked did I need to pay to prevent changes on my account I talked to a XXXX and she said that i had 10 days before there would be any changes. The next day my credit limit changed and my status went from Mint to gold. They also received the refund from the company. I called to advise them of this and they said that they would fix the mistake in 24-48 hours. It has been since XX/XX/2021 and the correct has not been made even though they confirmed that I have never been late on my account., and that they would fix it. I followed up yesterday and they acting as if nothing is wrong with my account. Like their was never an issue.
Product: Student loan

Navient claims that they are " here to help. '' However, with the extensive cost and stress of a XXXX XXXX XXXX daughter battling XXXX, Navient refuses to work with me on making my payments affordable, or temporarily delaying them. 
I want to make good on my debt, but I can not afford the $ XXXXmonth that they are demanding. They only take into account your income, and not your daily living expenses and other bills. I went through Federal Aid to revise my XXXX, and XXXX came up with a payment of $ XXXXmonth, which is manageable! Unfortunately, for some unknown reason, Navient declined the revision and still demand the $ XXXX/month. 
I will gladly begin repayment at $ XXXX/month, and have literally BEGGED Navient to make my payments affordable, but they would rather see me go into default than payback my loans. Instead of considering each individuals ' unique circumstances, Navient simply sends the same standard template responses ( to my DOZENS of emails ) and refuses to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally express my concerns regarding Zelle 's handling of dispute, 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking this transaction was unfeasible. The CFPB 's finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the XXXX credit agency and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the Black Web Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized Hard Inquiries.
Product: Vehicle loan or lease

I purchased a car in XXXX. I received a loan from an outside company that was obtained through the dealership. I never received any information from them nor a contact for them. I never received any mail with any billing information. Car was repo 's yesterday due to non payment and the guy who took it was nice enough to give me the name of the company that asked him to repossess. I XXXX and emailed an entity which I believe is them and they responded stating due to Hipaa they can not tell me anything ( even if they are the company ) and im supposed to call during their business hours which are XXXX eastern time. I work full time in a callcenter and is going to be about impossible to reach them via phone without taking time off. I was in the middle of moving when car was purchased but the mailing address ( po box ) never changed and I had mail forwarded at old address so even if they sent to that one I should of received some sort of billing. And if the dealer opted me into paperless I would of received some sort of email. Horrible customer service, can not pay if I dont know who /how to pay.