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

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX  {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are not removing unauthorized items off my credit report. I have filed FTC report also. Please investigate and remove the following accounts below Please delete XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is on my credit report as a collection from XXXX XXXX XXXX. XXXX XXXX seriously XXXX  up our services in the process of moving and failed to never get the product working correctly. I personally went to XXXX XXXX XXXX 'XXXX offices and returned the equipment and asked the lady at the front desk if there was anything else on the bill and she looked it up and said that there wasn't anything on the account and it was closed now. XXXX XXXX took over the phone number and got the issue fixed easily. Then after a while of being switched XXXX XXXX XXXX claimed that the contract was terminated and we owed a fee for cancelling early. I explained to the lady, who was very rude, that they failed to be able to provide adequate service, and actually the service was poor. At times we were receiving other business 's phone calls and other individuals were receiving our calls. She said that she showed in her tech 's log that it was resolved and I told her it wasn't. And she said she didn't believe me. Then she turned it over to XXXX XXXX   XXXX and I explained the ordeal to a lady that was assigned to this collection. She said she was just going to terminate the collection because she felt it was ridiculous. I had considered to file a claim with the XXXX but I would just prefer to let it go and know to never do business with XXXX  XXXX XXXX ever again. This is more of a principle of things on this collection as the woman at XXXX XXXX was really unprofessional and I let her know it and she let me know she didn't care. Pretty sad actually, because I used to have the place I worked at use them when they were XXXX, but I let them know to never use XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, Mohela, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX XXXX and I was approved 100 % - full loan discharge since XX/XX/XXXX. XXXX of my loans were discharged but the other XXXX Mohela refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX XXXX XXXX XXXX account, and I somehow misclicked and ended up with a credit card from them. I mistakenly applied for a credit card that I promptly had cancelled, and it got closed by XXXXXXXX XXXX. I dont consider this a legitimate account since it was mistakenly created and I immediately had it closedit was never used either. I need this account removed from my credit file ( s ) since it is niether accurate, relevant, or desired, I dont want this lingering mistake to remain in my report as a reminder of this misclick. This null account exists on all three of my XXXX, XXXX, and TransUnion credit bureau reports Please help me remove this inaccurate and mistaken information ( account ).
Product: Credit card

I requested to close my credit card account on XX/XX/XXXX, and to be refunded for the annual membership fee of XXXX assessed on XX/XX/XXXX statement. I was asked to pay the balance in full of XXXX, and I did so over the phone with Employee XXXX. I was given confirmation code XXXX as confirmation of my account payment in full with card cancellation request and refund of Capital one XXXX XXXX of {$150.00}. 

Since the representative did not realize my account could not close until AFTER my XX/XX/XXXX merchant dispute with XXXX XXXX for XXXX was resolved, she gave me her reassurance that I would get refunded the {$150.00} membership fee since I called in to Capital One to close my account on XX/XX/XXXX, which was well within the 40 day policy written on the back of the Capital One statement. 

I called again to check the status of the dispute on XX/XX/XXXX and spoke with XXXX and she said the dispute was not resolved yet but she could close the account anyhow, unlike what the first representative had told me. She said I should not have a problem since the first representative noted the day I called in to close the account, and I would hear back from a Caseworker in XXXX to 10 days via a phone call. 

I called back on XX/XX/XXXX since I never heard from XXXX and I was informed by Supervisor XXXX, that a Capone rep had called me but was unable to reach me and did not leave a message. They were calling to say that Capital One declined to approve refunding the {$150.00} annual membership fee. I confirmed that no letter was forthcoming regarding this decision. She agreed that the billing statement section regarding " How to avoid Membership Fee '' was to request to non renew the card in " fewer than 40 days '' after date of assessment and to close the account. XXXX could see my request to close account was timely and there was no explanation for Capital One 's denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing to figure out how to resolve my terrible situation. The point that I found some items that do not belong to me. I do not know them, I do not recognize them. I thing its a mistake in reporting or identity theft. Once there was a situation when somebody used my personal information so I guess therefore I have fraud accounts actually. Could you please explain to me what should I do?! How I can dispute them or could you please delete these accounts from my profile?
Product: Mortgage

wells fargo provided in accurate information in there response to my last complaint XXXX and XXXX XXXX did not bother to answer 1 of the questions. Nor did she provide a call back number. when i called them regarding there response which stated my interest payment would {$60.00} in XXXX, yet they sent me a coupon reflecting interest due of {$110.00} on XXXX XXXX. when i called the XXXX back she had a XXXX XXXX call me on XX/XX/XXXX whom i spoke with she also called back and left her number and extension in my voice mail XXXX ext XXXX when i called back today there system tells me it's an invalid ext number. when. i finally get someone else on the phone at the XXXX option 1 and then 1 again, she could not find anyone to assist me in over 10 minutes and refused to transfer my call back to the XXXX whom had also sent me a letter regarding my complaint. 

Could you please start an investigation into wells fargo home mortgage loan servicing as i firmly believe they are making errors in there favor that is cause undue stress on hardworking american. 

Also could you please have them send me a new coupon with the correct interest payment amount on it which is what i had requested XXXX XXXX get done for me. My payment is due on XXXX XXXX and they are going to make me late if they don't either mail or e mail me a corrected coupon. 

I tried to get online access however i can't as wells fargos system still show me as having an open cc with them even though i told them repeatedly to close the account 3 or 4 years ago.
Product: Checking or savings account

I discovered fraud, my money market account was hacked all Statements were surpressed both paper and electronic so no way fro me to determine fraud. When asking Customer service how and when that happened they said not able to tell its a new system. I received a email from bank asking to approve transfer i called immediately and asked what was going on at that point we determined that fraud had occurred. I asked for all statements to be sent to me the amount was over XXXX with multiple web withdraws paid to XXXX XXXX, working with XXXX dispute they have dined some requests saying i should have stopped them sooner. With no statements, paper or electronic not sure how a bank can send nothing?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXX XXXX ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX  is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XXXXXX/XX/XXXX EXP 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/2019 I leased a car from XXXX XXXX of XXXX ( XXXX ) ( XXXX ) XXXX, my salesman is called XXXX. I advised XXXX I would be moving to XXXX. He said no problem and I was approved by Mercedes Benz Financial Service ( MBFS ). I arrived in XXXX XXXX, XXXX on XX/XX/2019 and made an appointment with XXXX DMV. I was denied getting my registration. XXXX DMV advised I needed Power of Attorney ( POA ) from XXXX, an Odometer reading, and the title. I called XXXX & they advised me their Title Dept. lost my paperwork. 2 days later I got a ton of paperwork from XXXX with stickers that read " Sign Here '' and return to XXXX and they will send to XXXX DMV. I later went back to XXXX DMV who advised the paperwork sent to the from XXXX did not any signatures except for mine. No one from XXXX called me back the rest of XXXX. In XXXX, I was advised all paperwork was again sent from XXXX to XXXX DMA. On JXX/XX/2019, XXXX DMV advised the lessor had changed from MBFS to XXXX XXXX and they still haven't obtained a title or odometer reading. I have been calling non-stop to the dealer as XXXX DMV advised my car can not be driven until this is rectified. No one from Mercedes has fixed this issue and are now saying it will take 6 months or more to obtain the title. Thus, I can not register my car. I paid to have the car registered in XXXX, XXXX re-registered my car XXXX in XXXX  and not I have to start the entire process over. They are in breech of contract as they sold me a car with the notion I'd be registering the car in XXXX, but they can not provide significant documentation to allow me to drive the car. The intention on buying the car is to drive it. However Mercedes Benz can not  give me the documents I need nor did anyone tell me it would take 6 months to register the car in XXXX. Further, I ca n't drive the car if they have lost the title. I have been taking an XXXX to and from work due to their inability to prove originally stated paperwork to sell / lease the car to be based on the lease agreement.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I purchased several Gift cards for clients directly from Amexgiftcard.com I gave a card to XXXX XXXX for {$1000.00} He went to the movies and used it very little. Suddenly it was denied at a supermarket. 
He called Amex ( spent forever on hold ), they told him the card had been hacked and XXXX charges for XXXX had been made. He told them he did not use the card and they said to take it up with the merchant that accepted the card. XXXX charge was in NY and the other in Texas. Amex said there was nothing they could do and to XXXX the merchants and take it up with them. Clearly fraud was involved and the gift card holder had no recourse. The card had been cloned. 
They said read the fine print on the user agreement. Their website says use with confidence but has nothing on their site about fraud charges. It just seems unjust as the gift card holder has no recourse against anyone The gift card # is XXXX XXXX XXXX.
Product: Credit card or prepaid card

I made an online purchase for website service. I was unhappy with how the process was going so I asked for a refund. I did n't hear back from the merchant so I disputed the charge though Chase. After a couple of months my claim was rejected as more paper work was needed. I was able to redispute the case after sending in further paperwork. I received no updates for months and had called myself weekly. After the deadline for the merchants bank passed I received a notice that I again had lost the dispute.
From there I contacted the merchant to try to work out receiving what I paid the {$1600.00} for. They informed me that I indeed won the dispute. They also provided me with paperwork on the matter showing that I had won.
I called there bank which is  XXXX  and to my surprise  XXXX  also confirmed that I had won the dispute. They told me I needed to speak with a higher ranking team member at chase to resolve the case as there was nothing they can do because I won the case and chase needs to remove the funds from limbo and apply them to my account.
I have spoken to chase many times in the last couple of weeks but have been unsuccessful in speaking to a team member that can help.
I informed them that if a case manager could n't get back to me in a timely manner I would be reporting them to the trade commission and here I am.
Please Help!   XXXX   XXXX
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 of 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I dispute the validity of XXXX account XXXX. I request a investigation be opened for this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Subject : Request for Removal of Outdated Address in Compliance with Fair Credit Reporting Act ( FCRA ) I am writing to formally request the removal of an outdated address from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). The outdated address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX Under the FCRA , consumers have the right to dispute and request the removal of inaccurate or outdated information from their credit reports. As I no longer reside at the aforementioned address, its inclusion on my credit report is inaccurate and may potentially affect my creditworthiness.

I kindly request that you conduct a thorough investigation into this matter and promptly remove the outdated address from my credit report, in accordance with the provisions outlined in the FCRA.

Enclosed with this letter is documentation confirming my current address for verification purposes.

Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I used the respective websites of the three credit reporting agencies to place a temporary lift on the credit freezes I had on my account in order to apply for a credit card. After my application was approved, I wanted to reinstate the freeze before the temporary lift expired ( for security purposes, of course ). The XXXX website allows you to reinstate the freeze immediately, in about 30 seconds, i.e. about the time it takes to logon plus a few clicks of the mouse. 

However, if an individual has placed a temporary lift of a credit freeze with Equifax, Equifax does not allow one to reinstate the freeze using the website. One has to call Equifax and then this has to be done by an actual customer service agent- this took me almost 20 minutes today ( XX/XX/2023 )!! 

I find it rather ironic that Equifax, the company whose lax security forced all of us to put freezes on our credit reports, makes it so difficult for customers to refreeze their credit reports, when they were the ones that caused us all these problems in the first place!! Please do what you can to have them fix this. 
Thank you!!
Product: Debt collection

My mother received a call from XXXX XXXX XXXX which she forward to me. When I spoke to them, they demanded payment from me for a debt that I owed on a credit card many years ago. They told me I would be sued and that a law enforcement personnel would be sent to my home to issue a judgement against me. I was scared so I gave them my info and signed a document including my debt info to make the first payment. It was not until later did I realize I was scammed. The person I spoke to would not allow me to settle my debt or offer other payment methods. I was not able to speak to anyone else regarding my debt except this one individual and after multiple requests did he send me a receipt for the first payment I made and the paperwork with info from the law office that supposedly bought the debt. My credit history did not match up with the debt they were seeking. I looked up more info about the company found out about their illegal debt collecting practices and scams against consumers.