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

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX {$12000.00} XXXX Account number : XXXX XXXX  {$2800.00} Account number : XXXX XXXX  : Date : XX/XX/XXXX Account XXXX XXXX  XXXX : Account number XXXX Last reported XX/XX/XXXX balance {$540.00} XXXX XXXX  : balance {$960.00} XXXX  ; balance {$540.00} Account number XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safe guarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to investigate fully and remove this account with XXXX  XXXX. Proof paid in full attachment to XXXX  XXXX  I took out a loan in 2019 with XXXX  XXXX. It had XXXX payments due, which I made all of the payments. They claim I still owe {$130.00} and have been reporting this is past due and charged off on my credit report cents. I have contacted all three credit bureaus, XXXX Experian and XXXX XXXX to dispute this. When they investigated it XXXX  XXXX  continued to verify that I was past due and did not make the last payment. I have disputed this directly with big loans as well and provided proof through my bank statements that for payments in the amounts due were paid. They continue to try collection efforts on me, and tell me that their verification shows that one check was not cleared and bounced. Obviously through my bank statements it shows for withdraws from my checking account over four months, and this proves that I do not owe them any money. They are continuing to violate my rights under the fair credit reporting act and the fair credit debt collection practices acts. I want this I want this account removed from my credit reports with all three bureaus immediately. No late payments were made and no money is owed to this company. They have also violated the law and I am due compensation Of {$1000.00} per incident.
Product: Debt collection

A company called Data Check Services contacted me regarding a supposedly returned check from XX/XX/1995 in the amount of {$10.00}. To my knowledge I was never contacted by the bank to collect any insufficient funds. The bank is no longer in business. I 've advised Data Check this is a time-barred debt from 20+ years ago and to cease calling. They continue calling and have recently threatened a lawsuit and wage garnishment.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX FCRA Dear TransUnion, I am writing to formally dispute a fraudulent XXXX XXXX XXXX XXXX loan that has been reported on my TransUnion credit file without my knowledge or authorization. I did not apply for or authorize this account, making it a clear case of identity theft. 

As a victim of identity theft, I have taken the necessary steps to gather supporting evidence to prove that this account is fraudulent. I have obtained a Fraudulent Affidavit from XXXX XXXX XXXX XXXX Department, which confirms that this account was opened using my stolen personal information. Additionally, I am enclosing the following documents for your review : A copy of my government-issued ID A copy of my Social Security card A copy of my identity theft police report filed with the XXXX XXXX Police Department A recent utility bill verifying my current address A copy of my FTC Identity Theft Affidavit Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am formally requesting that TransUnion immediately block and permanently delete this fraudulent account from my credit report. According to the FCRA, credit reporting agencies are required to remove identity theft-related information upon receiving a valid identity theft report.

I expect this fraudulent account to be deleted from my credit file promptly. Please provide written confirmation once this matter has been resolved. If this account is not removed within the legally required XXXX timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau XXXX CFPB ) and consider legal action. 
Thank you for your prompt attention to this serious matter. Should you require any additional information, please contact me immediately. 

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

I sent an investigation request to Equifax forty-five days ago, and they have yet to respond.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, 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 claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Bank of America, and XXXX XXXX  has refused to remove the negative information from my 3 credit reports. I want my clean record back for the future.
Product: Debt collection

My name is XXXX XXXX and I am submitting this formal complaint against Kohl 's. this is what happened Approximately one month ago, I initiated an arbitration process through the XXXX XXXX XXXX XXXX XXXX ) in relation to a negative account that Kohl 's is currently reporting on my credit records. 

I have been notified by AAA that Kohl 's has not adhered to XXXX 's stipulated guidelines pertaining to consumer claims, as delineated within the Consumer Due Process Protocol ( " Protocol '' ) and the Consumer Arbitration Rules ( " Consumer Rules '' ), which encompass the provisions concerning Arbitration Costs. 

Kohl 's, in its actions, is evading its obligations to its clientele and is breaching its contractual commitments. Notably, within the contractual clauses, it is explicitly stated that any disputes can be referred to the XXXX for resolution. In light of these circumstances, I hereby formally request a thorough investigation into the practices of the company, given the perceived inequitable behaviors outlined above. 

This situation for me has been stressful, it has affected my financial life and that of my family. Several loans have been denied and I have lost the opportunity to buy a house. I feel hopeless and anxious about this problem
Product: Credit card or prepaid card

I have a credit card with Ashley furniture/ synchrony bank . I have 2 purchases going on at the same time right now. One is no interest if paid by XX/XX/2023 and one is fixed apr until paid off. Every time I make a payment the wrong amount goes to the wrong purchase. I believe this is so that I end up paying interest on the purchase that is no interest if paid by XX/XX/2023. They keep putting my payments to the purchase that has interest when I specifically have called them multiple times telling them to allocate certain money to my 2 purchases. Customer service is horrible and I am told to do one thing and then later told that is not what I should be doing by different customer service representatives. I have also spoken with a manager by the name of XXXX from synchrony bank and all he did was apologize but not fix the situation at all. I am not happy and will never do business with Ashley furniture again due to this situation happening to me currently. It has caused me a lot of stress and anxiety financially.
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX XXXX. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX {$0.00} XXXX XXXX Balance {$2400.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX {$2600.00} XXXX  XXXX Balance {$1500.00}
Product: Credit reporting or other personal consumer reports

I received a call from one of the companies ( XXXX XXXX XXXX ) to obtain more information to process the loan. I explained that I never applied for a loan and they asked for them to cancel the request. I then called the other company ( XXXX ) and explained that I never applied or requested a loan from them. They stated that the loan request was processed through Credit Karma ; again I have never requested or created an account with any of these companies.
Product: Credit reporting

To whom it XXXX concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX divorced, in XX/XX/XXXX, I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XX/XX/XXXX, not in XX/XX/XXXX, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for 15 years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXXXXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same first name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

I refinanced my loan with another company and closed on XX/XX/2018. I have yet to receive my escrow monies in the amount of XXXX from my old company Statebridge. I called on or about XX/XX/XXXX and spoke with a woman named XXXX who stated I could not talk to anyone in that dept, but she would open up a inquiry and call me back when she received an answer. I asked to know when it was being sent to me. After no communication I called again on XX/XX/XXXX and spoke with XXXX who told me it was still being processed and could give me no date on a issue. She did verify my refund amount at the XXXX.
Product: Credit reporting or other personal consumer reports

Issue : Capital One credit card late payments reported. 

In accordance with the Fair Credit Reporting Act, Capital One has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

15 USC 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.
Product: Credit card

My problem has less to do with finances and more to do with a mix of customer service and technological issues involving Capital One.

I have a XXXX XXXX XXXX XXXX, as well as a past auto loan that I paid monthly from XX/XX/XXXX to XX/XX/XXXX. Despite having two accounts, the Capital One website has given me the same repeated error since the start of my auto loan : " You don't have any accounts available to service online at this time. '' I was able to overlook this for a while by using paper and the automated phone system to make my payments. However, the issue became increasingly disconcerting this year when I wanted to move my payment date so that it fell after my paycheck. And yet, the online error persisted, so that I had to rely on the cosigner of my auto account to make the change for me. It does not matter what device I am on. I have tried mobile, desktop, and laptop, only for none of my accounts to show up on them.

Talking to the AI assistant is pointless, as it draws on the information provided by the online account, which it can't if there isn't an account available. 

I tried calling Capital One customer service to address the issue, but after an extensive phone tree, an automated voice told me to call during business hours before hanging up abruptly. This was on a Wednesday afternoon, and there was no option given for voicemail.

I attempted more than once to speak with a human representative, with similar results. Since I could not reach customer service online or by phone, I resorted to a typed letter, which I then sent through the mail to more than one branch. I detailed the problem to the recipients as I have here, making it abundantly clear that my primary concern was an IT issue.

Despite this, their response was curt and simply assured me that my credit score was fine. Though I did mention concerns over my credit score, it was directly related to the fact that I can not manage my accounts online, which I feel is fairly obvious if one reads my letter. 

In the last week of XX/XX/XXXX, I received a bill in the mail for a supposed XXXX XXXX subscription that I made on my XXXX XXXX. I did not in fact make this purchase, but since I still can not view my account, I can't verify it or any other purchases. I did report the fraud with evidence of the purchase ( or lack thereof ). The claim is currently being reviewed.

It is inexcusable that a company of this size should have such poor tech support when they are so heavily reliant on online databases. I am in the dark on my credit account because nobody will help me with this issue.
Product: Checking or savings account

I have 4 cash app account I have been locked out of with funds on them XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX And they only prompt me to make a new account then block my other account and keep my money hundreds of dollars now unaccessable
Product: Mortgage

The IRS Sent A Written Tax Indemnity To XXXX XXXX XXXX XXXX Claimant XXXX Tax Year FRAUD Wells Fargo NA XXXX Oregon Cybercriminal Breach of Trust in Unathorized 1099 Illegal Mortgage Indemnity Wells Fargo Is Required To Investigate This Horrific Financial Character Assination By Identity Theft and Fraud Wells Fargo Mediation Specialist XXXX XXXX HACKED My Information by Written Statement in XX/XX/XXXX Final Settlement Payment in Mediation Director First Settlement To Claimant in XXXX Debit Card Fraud Indemnity To XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo NA  XXXX  XXXX Iowa To Illegal Proctor Cybercriminal HACKER at XX/XX/XXXX Wells Fargo NA XXXX XXXX XXXX XXXX Oregon The FBI XXXX Is Currently Investigating Wells Fargo NA XXXX Fraud In Information Theft By XXXX XXXX Double Indemnity by Wells Fargo NA XXXX XXXX CA Director of Cybercriminal Fraud Claimant XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX My Attorney Will Seek ALL Damages In Criminal and Civil Litigation For This Horrific Attack Since XXXX Immediatley!!!
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Nevada XXXX. 

TO : XXXX XXXX. 
XXXX. 
EXPERIAN. 
To Whom It May Concern : I am writing to ask that you please review your records for me and make any necessary corrections. 
I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. 
Below is a summary of the data in which I am challenging : Personal Information for Experian, XXXX AND XXXX NAME : XXXX XXXX The only name I go by is - XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. 
XXXX I only reside at : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX, NV XXXX. 
Please remove any address you have in your system that does not match - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. Please the incorrect work history reflecting on my report as well, since I no longer work for the companies listed. 
Sincere Regards, XXXX XXXX. 

Please send your written response to my address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ,Nevada XXXX I am aware that you have been sending out form letters in response to many of the disputes andchallenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.