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

I was shocked when looking at my credit report because I found a late payment on XX/XX/2016. 
I don't even know how this could have happened because I always make my payments to you upon receiving my statements. The only thing I could think of is that it must have gotten lost in the mail.
Product: Money transfer, virtual currency, or money service

I tried to order food from a XXXX  website And it was not a real site but before I knew that it directed me to use cash app I unfortunately did n well needless to say it was a scam and of course cash app had nothing for me as in protection or anything so XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX has been trying to collect a debt from me which I did not incur. Many years ago I had an account with them, but it was paid in full when terminated, and I have not had an account with them for years. This is what I told them each time they called. 
Today I received notice that they have turned this over to a collection agency, Joseph, Mann and Creed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX  - XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXXXXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : XXXX. Unknown third parties gained access to my financial login credentials. 
XXXX. My automatic payment settings were altered without my knowledge. 
XXXX. This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. 
The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : XXXX. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference. 
XXXX. A written confirmation verifying that these late payments have been removed. 
XXXX. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding my experience with Zelles method of handling dispute, especially in light of the CFPB lawsuit that is currently going on in addressing significant issues from the platform. Despite using Zelle a number of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They notified me that recovering lost funds are impossible due to the nature of Zelles policy and tracking these transaction is not possible. The CFPB research show that Zelle has not only failed to protect their customers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable as it is a serious concern about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My information was compromised and my identity was stolen. My life is not mines and this has to stop. I reached out to the bureaus on XX/XX/XXXX of last year. I went through all the procedures of what happens when your information is stolen. The bureaus have not done anything on my behalf. I called, sent in certified mail as well as faxed. I have decided to pursue legal action against XXXX, XXXX  and Equifax.I have hire a lawyer to assist me in getting my life back because the bureaus are clearly not interested in helping me.XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX fl XXXX has looked into my case and notice several breaches in the FCRA by XXXX, Equifax and XXXX. 

Here are a list of the Accounts and inquiries that are fraudulent and continues to report XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXXXXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX{$4700.00} inquires XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXEquifax XXXX XXXX XXXX XXXX XX/XX/XXXX{$16000.00} XXXX XXXX XX/XX/XXXXXXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX{$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX{$16000.00} XXXX   XXXX XX/XX/XXXXXXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX{$4700.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXDue to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX   XXXX XXXX Customer Service Manager at XXXX   XXXX  XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud Investigator XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX President US Commercial Services and Chief Client Officer Equifax LLC XXXX XXXX XXXX President Equifax LLC XXXX XXXX XXXX Equifax LLC Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer Equifax XXXX XXXX XXXX XXXX XXXX VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax XXXX XXXX XXXX  XXXX XXXX EVP Compliance and Litigation XXXX XXXX XXXX XXXX XXXX Executive Vice President XXXX  XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX   XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX XXXX XXXX XXXX XXXX Director-XXXX Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I've asked cooper to supply all filed claim docs for my XXXX  XXXX. They have not supplied. 
Also still missing XXXX, XXXX, XX/XX/year> statements. They have not been supplied and are missing from inventory online. 

There are errors concealed.
Product: Checking or savings account

Overcharged by wells Fargo for payday loans and extra bank account fees also had student loans through government which affected my credit rating due to being unable to payback.
Product: Student loan

I came across partial copies of the XXXX Federal Student Loan Disbursement notice from XXXX who happen to have some of my loan paperwork I requested for 2.3 years. Financial Aid office at XXXX XXXX XXXX University still to the day refused to give me copies of my entire student file including accounting information and registration files that are under two student ID numbers they created. Fraud and embezzlement committed by the supervisor that runs the financial aid department and others who work in that department. Accounting along with registration had fraudulently double charged me tuition fees each quarter from XX/XX/XXXX-XX/XX/XXXX. Dean of admissions XXXX XXXX instructed all staff employees not to speak to me regarding this matter. XXXX XXXX refused to speak to me and ignore multiple emails sent to her. I received grant money that the financial aid department took the funds and created new loans of Pell Grant funds. Money that was supposed to be sent back to the bank never did. First two loans non-sub and sub loans funds are divided into 3quarters. I was out for 1 quarter ( W8 ) first two reimbursements was for F07 Unsub- {$1600.00} F07 Sub-loan {$1800.00} ( WI08 ) Unsub and Sub loan funds were not returned, financial dept created multiple loans using a student ID under my social security number. The financial aid department knew I was a part-time student and not full time. The XXXX disbursement notices list the loan amount the disbursement dates and dollar amount each quarter. But the total of the loan amount is doubled. See attachments. Attached is the only promissory note I ever did online and it is XXXX University policy for students to come to the financial aid office to review MPN and sign the hard copy. Also in XXXX own catalog it states that only one MPN signed to be use for student loans not multiple MPN. I refuse to pay for the money that was embezzled by employees in the financial aid and accounting and registration department. I entered XXXX Unversity in XX/XX/XXXX grade level ( 3 ) each XXXX loan documents were changed to grade level ( 1 ) and total loan amount doubled but listed on the NSLD as half of the student loan dollar amount.
Product: Vehicle loan or lease

At purchase we bought a warranty for {$2000.00}. We cancelled within the approved period. The warrant company - XXXX - supposedly sent the check to the lender in XXXX of 2023. Nissan XXXX has said they see the funds and over 7 calls and 6 months have failed to credit the money to our account.
Product: Credit reporting or other personal consumer reports

A new inquiry has just been added to your XXXX credit report. JPMCB CARD SERVICES ( Bank ) XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TransUnion today, and advised that them, I was a victim of inquiry issue. Gave agent dates and name of inquiries, and agent advised me that I was not a victim.I advised him that he is incorrect. TransUnion, agent advised me that he could not help me with my issue.
Product: Credit reporting or other personal consumer reports

This debt was consolidated in XXXX, after XXXX the previous processor was found guilty of fraudulent activities in XXXX. It my understanding this debt is considered a Certificate of Indebtedness and was charged off and/or paid in full in 2017. Due to this being considered income, all of these charged off & paid in full accounts should be removed from all credit reporting agencies under 15 U.S. Code 1681.

Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, Transunion, XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99.

Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. As a result of this violation, the accuracy of this report is in question. Please review spelling of names on original loans before consolidation for Inaccurate Reporting. There are over ten different names associated with my credit report. At least five are inaccurately spelled but the credit report, seemingly on purpose, doesn't show which accounts these incorrect names are associated with.

Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
Product: Credit card

On XX/XX/2023 I went to the XXXX gas station in XXXX XXXX address XXXX XXXX federal highway XXXX XXXX FL XXXX. I inserted my credit card at the gas pump and filled my tank with gas. On XX/XX/2023 I see 3 unauthorized purchases on my credit card. XXXX for {$630.00} at XXXX XXXX, XXXX for {$24.00} and another for {$5.00} at XXXX XXXX 's XXXX XXXX The total of the unauthorized purchases is {$660.00}. I reported the unauthorized charges to my bank ( wells fargo ) immediately on XX/XX/2023. They told me they would take care of it. After finishing their investigation they said that no fraud was committed. I called them back to reopen the case and I was told to fill out a police report to help with my case. 
I provided a sworn affidavit stating that I did not authorize these transactions. I provided a letter from my employer proving that I was at work at the time of the transactions and I provided my XXXX maps location for XX/XX/2023 to prove that i was not in the areas of the transactions. The bank did not consider the evidence that i provided and insists that since the chip was used that the transactions were made by me. Even though i have proof that i wasn't at the locations and my credit history shows that i have never done business at these restaurants.I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and told them about the unauthorized purchase at their restaurant and also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. They told me they couldn't help me and that I had to take it up with my bank. I reached out to the XXXX XXXX police department and XXXX XXXX police department to conduct investigations of the fraud. Wells Fargo wants to hold me responsible for unauthorized transactions and does not care about the evidence that I provided.
Product: Checking or savings account

On XX/XX/2023 I ordered a pair of shoes for {$60.00} ( order # XXXX ) from a so-called online store called XXXX and the email address is XXXX and they said it was based out of Texas and was led to believe the product would ship from the U.S. and would arrive before XXXX and after I paid I received an email days later saying it had been shipped from XXXX and received a tracking number ( XXXX ) which when looked said was not found so I emailed them back after several more days and said I wanted a refund and they assured me it was on way so I waited and still nothing. So I emailed them back and requested my money back again and they said it had been refunded but I still have not seen it on my account or the shoes in the mail. Now Everytime I email them they just keep on sending me either item on way or that they have refunded my money ( the exact same 2 emails they had sent previously but randomly regardless of what I had said in my previous email ). Then I contacted cash app and filed a dispute but they denied me for some reason which they have not shared with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported false negative information and keep reporting I requested for deletion due to errors of reporting this was paid and closed XXXX and they reported major first delinquent in XXXX of XXXX please delete from my reporting for negative false information.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have spoken with our Lender on the removal of the PMI from our Home loan multiple times. We have been denied. I was advised it should be automatically removed when the loan amount hits XXXX of the valuation of our home. I had originally requested the removal at XXXX but was advised would need to get the house appraised in order to have it removed but it should automatically fall off once the principle was at XXXX. I have paid down the principle balance which they confirm to me on the phone today XX/XX/year> that it is XXXX and we have been paying this lender for over 2 years with excellent payment history. I still received a denial letter indicating that the balance was not below XXXX even though they confirmed on the phone that it was XXXX. The original evaluation of the property is {$400000.00}. I just received our new statement for XXXX XXXX payment which currently reflects XXXX and still shows the PMI. Our lender is Loancare with a contact number of XXXX. I have escalated this within the company and with the automatic denial letter even though it is below the legal amount to be charged the PMI it feels like a scam that the company is trying to still do when the law states it needs to be removed. I am seeking help on this.
Product: Credit reporting or other personal consumer reports

2 accounts I don't recognize 1. ) XXXX XXXX XX/XX/2024, 2. ) Barclay 's XX/XX/24..

Also XXXX promises that a soft pull is ran for their product but still pulled a hard pull on my credit file which is illegal.
Product: Mortgage

I had a HELOC with Citizens Bank. In XXXX of XXXX I applied for and received approval for a HELOC with XXXX XXXX XXXX! I requested a payoff figure from Citizens Bank in order to pay the balance due on the HELOC I had with them. On XXXX XXXX I received an itemized letter from Citizens, detailing all the balances and fees that were included in the payoff figure. Included in those figures was a {$100.00} Discharge Fee! I recently noticed that money had been taken from my checking account at Citizens to pay for this fee, on XX/XX/XXXX. By doing this Citizens overdrew my checking account and then charged me a {$35.00} overdraft fee!! I shouldn't have to pay any fees as long as the amount requested in the payoff figure was satisfied, before the " payoff valid through date ''! XXXX also requested that my HELOC account be discharged, via written docs signed by me. Citizens is telling me that I never requested for the account to be closed therefore they can charge a fee for having it open, even though the request was made in XX/XX/XXXX. 
P.S. XXXX XXXX cut the check on XX/XX/XXXX. Citizens Bank stamped Received on XX/XX/XXXX, on the front of the check. Yet the reverse side of the check shows it was processed on XXXX!!! Is this not illegal?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiriy found in my credit report
Product: Credit card or prepaid card

They used my SSN and used this to deny me credit due to my credit score with XXXX. I was denied an extension of credit by Apple Card- through Goldman Sachs Band on XX/XX/2022. They have proclaimed an adverse action against me as a consumer. Pursuant 15 USC Code 1691 ( c ) and they assume civil liability, pursuant to 15 USC Code 1691 ( k ).

They have violated my federal protected consumer rights : 15 USC Code 1642 ; 15 USC Code 1681M ; and 12 CFR 1002.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX