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

I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. TRANSUNION 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX : 1XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7.XXXX XXXXXXXX 8. XXXX 9. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX hospital states they sent me to collections ( Medical Data Systems ) with a bill with the first delinquency effective XX/XX/XXXX. On that date I was in the XXXX recovering from XXXX XXXX so the itemized bill would not be ready for a few more weeks following my discharge pending what was received from my insurance company. The first payment was not due for a few months following my discharge. 
I underwent payment plans and paid the final payment ( {$2100.00} ) to XXXX on XX/XX/XXXX. Medical Data Systems states that they paid off my debt ( {$170.00}, {$170.00}, {$200.00}, & {$360.00} ) as of XX/XX/XXXX when I had not undergone payment agreement nor paid any money to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX  XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX In XXXX I had 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Product: Credit reporting or other personal consumer reports

I recently received my updated credit results as of XX/XX/2024 from Experian, and I noticed that there are still some inaccuracies. The specific account is XXXX XXXX XXXX # XXXX. The alleged account came back updated. How does the bureau do their thorough investigation because XXXX has DELETED this account. 
I have sent numerous letters stating that the company needs to send me the XXXX XXXX with the XXXX XXXX XXXX. I firstly mentioned that the alleged account does not belong to me, and they are in violation for reporting an inaccurate account. Its their grave responsibility to report information accurately and accordingly. Their negligence has violated my FEDERALLY PROTECTED RIGHTS and put me in an unsafe and unsound transaction. 
Additionally, I have NOT given any BUREUA ( Experian, XXXX, and XXXX ) permission to furnish ANY information on my credit report. According to 15 USC 1681 ( B ) ( C ), THAT IS A VIOLATION. Both of my Consumer and Privacy Rights are being Violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, do not accept the resolution given by the public entities named XXXX, Experian and XXXX who act as monitors of soul beings transactions in the extensions of credit. 

I, the soul with the given name XXXX XXXX and the married name XXXX XXXX XXXX, do not owe any so-called debts as listed by the public entities named XXXX, Experian and XXXX. 

I, the soul with the given name of XXXX XXXX and the married name XXXX XXXX XXXX, has NEVER given permission to these entities to list or connect this soul with the LEGAL FICTION known as XXXX XXXX XXXX or any alias thereof or to list any alleged transactions on their public sites/listings. 

If the public entities named, XXXX, Experian and XXXX have dealings with the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, they may send documentation with the proper use of lettering as aforementioned. 

If these entities known as XXXX, Experian and XXXX do not send or communicate to those parties they do business with to send the alleged debts to the soul with the proper use of lettering to said soul, I request all alleged debts be DELETED from the credit listing entities named XXXX, Experian and XXXX. 

Any documents sent with the lettering related to the LEGAL FICTION known as XXXX XXXX XXXX or any aliases related thus will not be addressed by this soul. 


The alleged accounts are thus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to be provided proof I consented to this inquiry for " XXXX XXXX XXXX via XXXX XXXX  ; XXXX XXXX XXXX via XXXX XXXX XXXX ; XXXX   XXXX  via XXXX ; XXXX  ; XXXX XXXX XXXX ; XXXX ; TRANSUNION XXXX XXXX XXXX ; TRANSUNION CONSUMER INTE ;
Product: Checking or savings account

Hello, On the XXXX of XXXX my bank, Chase Bank, ( located XXXX XXXX XXXX, XXXX, XXXX  XXXX ) allowed transactions that were fraudulent. Not only did they allow a greater amount than my max daily allowance at a ATM ( located on XXXX and XXXX ), they allowed my account to be wiped out, leaving only {$13.00}. While these events were happening I was in Florida on vacation, I even let Chase know this while in Florida. I came home from vacation on the XXXX and noticed the errors in my account, at which point I filed a fraud claim with Chase. 
Chase has denied my claim and stated that I could rebuke and fight the claim, which I provided information and flight itinerary, boarding passes, and date stamped pictures proving I was in Florida and not Colorado at the time of these charges and ATM withdrawals. 
At this time it has been almost a month of having no funds in my account and no word from Chase on replenishing my funds, when it is completely obvious that these were fraudulent, not to mention Chase should have never allowed funds to come out that were more then my daily limit. These should all be huge red-flags to Chase but they weren't and now I have had no funds and completely broke. 
I would greatly appreciate it if you could look into this because I have no other ventures since Chase will not respond or communicate with me. 

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

I noticed that there a inquires on my credit report that I did not authorize. I have never applied to these companies and have not given verbal or written authorization for anyone to review my credit report. I have completed a police report & identity theft report and I want these things deleted. I notified Equifax about this months ago and they have not done anything at all. I am attaching the documents in hopes that you can help me get these things gone from my report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : - XXXX  -Date of inquiry : XX/XX/year>
Product: Debt collection

On XX/XX/XXXX, three days before my agreed-upon rehabilitation payment of {$640.00} was due, I called XXXX XXXX XXXX to explain that my financial situation had changed and that I needed a new audit of an income-based payment. A service representative indicated that they would cancel the payment on the XXXX, and re-audit my income and expenses to formulate a new payment, advising that a payment wouldn't come out until they reached a new amount. On XX/XX/XXXX, a date not authorized for a transaction, {$640.00}, an amount no longer authorized, was withdrawn from my personal checking account. I'm told on XX/XX/17 that amount was withdrawn in error, and that they are re-issuing a refund that won't be processed for 60 days or so. The debit on my account left my checking account negative and was unauthorized.
Product: Money transfer, virtual currency, or money service

I am concerned about how Zelle handles disputes. Despite using Zelle often, my claims about transaction issues were ignored, and I was told recovering funds or tracking transactions was impossible. This leaves users vulnerable.The CFPB lawsuit shows Zelle fails to protect users and allows repeat scammers. Zelle must improve dispute handling, transaction tracking, and fraud prevention to restore trust.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account id accurate without providing any evidence of a thorough investigations. this practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recents administrative proceedings ( File No 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take actions to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigations.
Product: Credit reporting or other personal consumer reports

Dear Citibank, In regard to the closed account that was charged off, what was the tax credit that you received when you filed your taxes? If it was charged off it is considered income, income is not supposed to be reported on my credit report. A 1099-C copy from your company was never sent, a copy will be needed for tax fillings. 

You claim that you placed the account with XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. What does that mean? Did you contract them to collect for you? Did you sell the alleged debt to them? Is there a bill of sale, purchase agreement, or contract for the alleged debt collection? Who owns the alleged debt? If Citibank sold the alleged debt, legally a balance can not be reported, only charge off can be reported. ( F.T.C 807- False and Misleading Representations ) As per 15 U.S Code 1692k- Civil Liability has endured hardship for not being able to purchase a vehicle due to the false and misleading information on his report. 

As per the Privacy Act XXXX, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by or with the prior written consent of, the individual to whom the record pertains. Citibank never asked nor received consent from me to share my personal information with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. That is a violation and merits compensation. 

Negative information shall be removed and deleted immediately from the credit report. 

Without Prejudice UCC1-308 All rights reserved
Product: Debt collection

i have attached XXXX affidavits both notarized as well as letters and examples of laws broke. I want this removed from my consumer report and i want my cash downpayment as well as any other payments i made to this fradulant account. This needs to be removed from my account as you dispute.
Product: Student loan

Couple of years ago, my student loan was transferred to XXXX. I was enrolled on an XXXX XXXX XXXX XXXX. As requested by XXXX, I was making my students loan payments on a timely manner. In the early part of last year, I had financial difficuties and I contacted XXXX to see what I can do. The Representative I spoke to told me that she will have my student loan in pause because of the XXXX and XXXX XXXX student loan pause that was in effect. 
XXXX XXXX, I received a collection call from Aspire Servicing Center that my loan was one month defaulted. I tried to explained that my loan was in pause with XXXX. She told me that XXXX was no longer in business. I futher explain to her about my financial hardship and also informed her I was not working due to a car accident that I had. She continued to ignored me. I further requested information about the transition of my loan, As of today 's date, all I have received are statements of late and accumilations of non payments of my student loan. I have called and also send letters via regular mails and cerified mails to Aspire to explained my concerns, my request has gone nowhere. Instead, all I havereceived are statements which far more exceeds my XXXX XXXX XXXX that was originally with XXXX. XXXX Aspire Servicing Center has destroyed my credit and I am frustrated and dont know what to do. 
Please, I will appreciate and greatful for your assistant to resolve and rectify this matter. 
Thank you.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$660.00} XXXX {$1100.00} XXXX {$0.00} XXXX XXXX {$350.00} XXXX XXXX {$2400.00} XXXX XXXX {$560.00} XXXX {$440.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$510.00} XXXX XXXX {$910.00} XXXX {$700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I closed my account with XXXX XXXX in 2019, I requested to make payments to pay off the balance. I never received anything from XXXX, I have only received collection letters from Transworld Systems. I requested an invoice for the collection and never received one.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

ON XX/XX/XXXX I received a call from XXXX XXXX stating that I owed money on a debt. Client : XXXX XXXX, XXXX Your Account Number : XXXX Original Creditor : DISCOVER CARD Original Account Number : XXXX Amount Due : {$7900.00} 1.  They stated that in XX/XX/XXXXI was making payments, but that the law firm went out of business. Man on the phone stated he used to work for that law firm and because we had a " rapport '' he was trying to help me. He also stated that a statute of limitations doesn't exist for debt. After a back and forth I gave my email address only, and hung up on them, once they tried to pressure me into calling them back and set up payments. They also told me after 5 minutes of conversation, that this call was being recorded, something they are legally supposed to do at the beginning of the call. 

2. I actually settled this debt years ago with another collector as it was passed on to someone else. It was removed from my credit report, of which I am now in good credit health. 

3. Even if this debt wasn't updated in their systems, ( even though it was settled and they are now coming back at me after 8 years have passed ) they did not tell me that it is " time-barred '' and they couldn't pursue it legally. 

People on the email they sent to me : XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection accountS labeled XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX  XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit card

IN STORE CREDIT - LOST TWO CARDS CARD # XXXX In-store credit of {$270.00} left on card ending in XXXX, the card was lost and I spent the last year going in circles. They tell me they can actually see the outstanding amount available, but they are not willing to give me the credit to use CARD # XXXX In-store credit of {$730.00} left on card ending in XXXX, the card was lost and I spent the last year going in circles. They tell me they can actually see the outstanding amount available, but they are not willing to give me the credit to use
Product: Checking or savings account

Bank of America checking account was open without my consent open on XX/XX/year> with an unpaid balance of {$580.00}
Product: Credit card or prepaid card

I was stationed in XXXX XXXX in XXXX of 2022 in XXXX a purchase was made on my USAA card fraudulently in California for less than {$100.00}. I had not used the card in years so I didnt check it often and because I was now overseas my mail was really backed up so by the time I received paper bills I saw a past due payment. USAA looked into it and deemed it was fraudulent and refunded my money about 4 months ago. At the time I was told I would receive a letter stating that I was a victim of fraud and I was not responsible for the charges. I never received the letter and hired XXXX credit monitoring to dispute the claim on my credit and it was returned stating there wasnt fraud and I was responsible. Immediately after I contacted USAA credit card department and after 2 hours on an international call I was told they addressed the problem with the paperwork and it would now be fixed and removed from my credit report. I filled a dispute again through XXXX and three weeks later the dispute came back the same as the first time. I will be returning to the United States in 3 months and I will need to purchase a vehicle and a home, I need my credit report fixed as soon as possible so I can prepare my family to execute orders back to the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a copy of a report from XXXX noting my second credit card. Limit credit amount of ( XXXX ) {$10000.00}. .They did not include this information on my credit report from them. They sent me a credit report that I did not ask for, they circumvented my request. This must be including in my report to be fair.This letter was sent via US Certified letter, both included in this complaint. Please review the information that is uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I did file a dispute online as well as submitted documentation via the Equifax web site. On XXXX I followed up with this Acton to ensure that everything was received to ensure the fastest most accurate service for myself. After roughly six minutes cooperating with a machine to reach an agent I finally prevailed and began speaking with someone who identified himself as XXXX XXXX. To my astonishment XXXX began telling me that in order to process a dispute on my behalf I would need to first begin paying for one of the companies offered services to be able to process such request and that they had not received any sort of dispute. I informed him that that was a very accurate statement that violated the FCRA. I then asked for information to identify what report the supporting documents I planned on mailing in to the agency I would need. He then told me that I needed to supply a copy of my ID front and back as well as a copy of my social security card with the document. Baffled I responded that this day and age no one in their right mind would send both identifying documents in the same envelope as that would be everything necessary to steal my identity. I asked for a member number, report number or reference number for my dispute to get the documentation out to the dispute. He again reiterated that there was no dispute so no reference number and they don't use any of the other numbers I was trying to obtain to facilitate this request. I then became very disgruntled and asked to speak with a supervisor as well as obtained identifying information about the individual I was speaking with to later report it as I am doing now. The supervisor 's name was XXXX and although he began speaking a foreign language when he initially got on the phone the conversation quickly turned around. Instead of having to send XXXX the information XXXX said they did not receive XXXX was very kind, courteous and understanding and made me feel at ease knowing I had already completed everything I had initially been told that I did not by XXXX.