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

-Date : XX/XX/year> -Name : XXXX XXXX -Date of Birth : XXXX -Social Security Number Last 4 ( XXXX ) -Company Information : XXXX XXXX, Experian, XXXX I am a victim of XXXX XXXX XXXX XXXX XXXX  and as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) , I have provided the necessary documents, including a photo ID, a bill, and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX. This situation falls under XXXX  according to the XXXX XXXX Final

Rule 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

I have supplied my identification and the required information from the list of acceptable items, which mandates only two documents per the law. I have also included a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently view my credit report and i see a unauthorized inquiry made by XXXX on XX/XX/XXXX XXXX i want this remove immediately
Product: Credit reporting or other personal consumer reports

Upon checking my credit report this morning, I was alarmed to see an unauthorized inquiry that I can not account for. I regularly monitor my credit, and this sudden issue has left me confused and frustrated. Despite refreshing my browser to rule out any glitches, the unauthorized inquiry persists. I urgently request that my submitted documents be reviewed in detail so I can finally put this matter to rest.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureaus Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXX DATED XX/XX/2024 despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Checking or savings account

I am XXXX years old and am having my daughter file this complaint from me as I feel totally unheard and disregarded. 

I have no vehicle hence there should not be car insurance deducted from my account. I do pay my grandsons car payment through XXXX but his mom pays the car insurance. I made contact with Truist last month once my daughter started reviewing my account with me. She was concerned as to why my balance was dwindling so fast. 

I have called Truist to no avail. I initially filed the dispute in XXXX and requested the block through the app. I received notifications that the dispute was in process. Had not heard anything. 

I looked today and the same charge from esurance came through on XX/XX/23 for XXXX. Speaking with offshore agents is ridiculous. I was advised that basically the dispute was filed but the block was not completed hence the charge coming back. Now I have to get yet ANOTHER card and file yet ANOTHER dispute. I am on a limited income and Truist is letting someone just take my money!! The rep told me that I need to call and stop the recurring payment but how can I do that when its not mine and I dont know the name of the person that created this transaction!!!!!???
Product: Credit reporting, credit repair services, or other personal consumer reports

I BELIEVE I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!
Product: Money transfer, virtual currency, or money service

I authorized a payment for a purchase online from a friend. After authorizing, I suspected fraud. We called and emailed Venmo immediately telling them not to authorize. I also called my bank and reported potential fraud. The bank recommended that I stop payment, and I did. In the days to follow, Venmo contacted me saying that they sent this person {$900.00} on our behalf, because my bank was not authorizing the payment. We contacted their customer service department several times telling them that we are potential victims of fraud. They said that since we authorized the payment as " friends and family '' on the Venmo app, that there is nothing they can do. They froze my account and refuse to assist me, saying that I owe them the {$900.00}. I called them back asking why I am responsible for Venmo to pay a " loan '' to this potential fraud customer. They just said it was our policy. I asked for them to identify that in their documentation, and they did not. I asked several times for corporate escalation and they refused. 

I am asking Venmo to recognize that this " loan '' is not my responsibility. In addition, I am asking for CFBP recognize Venmo as a company that is not holding themselves accountable for their responsibility to the public and protecting their customers from fraud. 

CFBP, please assist in settling this dispute. Thank you
Product: Student loan

I signed for a student loan, for my son, through Navient and the terms were deceptive. I was led to believe that the loan was a simple 3.75 % interest and Navient is claimiming that it 's a variable interest loan compounded daily. 
On an {$1800.00}. Loan i will be paying XXXX. + dollars. This to me is a predatory interest rate! 
No wonder our children need our help & feel so cynical about their futures.
Product: Checking or savings account

On XX/XX/year> I placed an order on WalmartXXXX that was supposed to be delivered on XX/XX/year>. Unfortunately, the merchandise was never received and I requested to cancel the order for a refund. The merchant 's supplier contacted me to let me that they have cancelled my order but I will not be refunded until the merchandise is received back in their warehouse. I've contacted both Capital One and WalmartXXXX to let them that I do not have the merchandise and the supplier has lost the merchandise and has refused to refund my {$390.00}. While on a call with one of Capital One Claims manager, she informed me that it is illegal for Capital One to issue me a temporary refund until their investigations conclude in 90-120 days ( we all know this is a lie and it is at the banks ' discretion ) and WalmartXXXX also said they can not refund the money unless their supplier receives the merchandise back in their warehouse. It's been over 2 weeks and I do have the tires I ordered and I don't have my money back.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Notification Dear XXXX Customer Service, I am writing to formally report an incident of identity theft involving my account with XXXX XXXX. My FTC number is XXXX. 

I recently discovered that my personal information has been used without my consent. I never applied for any credit with XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX - Account Type : Revolving account XXXX  - Account Type - Detail : Revolving account Credit Card - Bureau Code : Individual account Individual - Account Status : Closed Closed - Monthly Payment : {$0.00} - - Date Opened : XX/XX/year> XX/XX/year> - Balance : {$0.00} - - No. of Months ( terms ) : - Revolving - High Credit : {$880.00} {$880.00} this company. I want this to be removed from my credit report, because this is FRAUD I have filed an FTC report XXXX ACCOUNT NUMBER XXXX Please let me know how you would like to proceed in resolving this matter. I appreciate your prompt attention to this serious issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I believe the account is invalid. XXXX XXXX XXXX. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


XXXX XXXX XXXX XXXX
Product: Credit card

I paid this credit card off in XXXX. I received a letter in the mail stating that they are closing my account. The reason on the paper I received was that I had to many credit cards. 
I have never been late on any of my cards. Now they are going to ruin my credit bacause of what? How are they allowed to put a bad mark on my credit when I was never late and the card is paid off?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$5900.00} XX/XX/XXXX. 
Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$290.00} XX/XX/XXXX Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$6500.00} XX/XX/XXXX This is incorrect, payments have been made and haven't been honored. I can provide truthful accounting records. How can I only have a credit limit of {$1000.00}, but used {$6500.00}? How does that add up? 15 USC 1611 is a criminal penalty of a year and or a civil penalty of {$5000.00} per violation. If XXXX is to be a credit reporting agency then XXXX XXXX must be available at all time. I did not close the account because I am the creditor. 

XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX This debt has been paid in full. I have the documents proofing as such. This account was closed fraudulently.15 USC 1611 is another violation of my protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$690.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$2300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00}
Product: Checking or savings account

Hello, My name is XXXX XXXX XXXX and I am contacting you on behalf of my fianc and I, XXXX XXXX. We are in an emergency crisis situation, ( ALL OF THIS TURNED OUT TO BE A LIE BECAUSE THEY ARE IMPERSONATING Chairman XXXX of the SEC A GOVERNMENT OFFICIAL ). Where we are supposed to be receiving help from the government but they have failed us at every level for going on 17 months. Our bank account was breached by employees of XXXX  XXXX XXXX. We reported to officials, we have contacted the XXXX XXXX XXXX, which then triggered the FDIC being contacted, and when they failed us, we were passed to the Security and Exchange Commission. There even was a joint task force comprised of the FBI, SEC, and the FDIC. And this is where we have been ever since, just going back and forth for 17 months at this point with no real progress made. This has made its way all the way up to the Financial Services Committee of Congress. Everyone from President Joe Biden, to Vice President XXXX XXXX, Chairman XXXX XXXX from The SEC, XXXX XXXX the House Representative for our district. We have an invoice that was provided to us by the SEC, and the FDIC. We have been up for eviction at least 3 times in the past 17 months, because I had to leave my job to be able to constantly call to try to get the government to actually do its job. So my family is begging you. We are barely surviving, literally surviving off what our parents can provide but we are all alone, our families live in different states. We are XXXX years old and we had to leave college due to the pandemic and now we are faced with this crisis and no one is truly helping us. We are trying to start a family and pursue our opportunity at the American dream. But its being stolen from us. Please help us to get Justice. We have been told multiple times that our case could lead to the collapse of multiple banks and even the financial industry as a whole especially with the failure of XXXX XXXX XXXX. Please reach out to us as soon as you can. We desperately need your help. We are owed money by the government and we have the invoice to prove it. Thank you for your time. ( ALL OF THIS TURNED OUT TO BE A LIE BECAUSE THEY ARE IMPERSONATING Chairman XXXX of the SEC, A GOVERNMENT OFFICIAL )
Product: Credit card

Email received from Synchrony Bank re : my Lowes credit card and them wanting to charge a ( junk ) fee for my paper statements. I believe this fee for paper statements versus electronic is not a choice but coercion. I as well as millions of others want to continue to receive paper statements without having to pay for them for many reasons as outlined by credit websites : " Paperless statements can present problems, such as the potential for identity theft and the inability to clearly read them on mobile devices '' ; " Chance of Identity Theft b/c a cyberhacker may be able to break into your email account and swipe emailed bank statements. Information on the statements potentially could be used to steal your identity and set up fraudulent financial accounts in your name '' ; " If you're not super tech literate, you might have a hard time accessing digital statements in the first place. You might also find it annoying and cumbersome to track your account activity with digital statements if you're used to using paper statements. In addition, some customers might lack convenient access to internet or wireless services '' ; And it is extremely irritating " to keep track of passwords in order to log into a website or mobile app so you can review your paperless statements. A 2022 global survey by the XXXX XXXX XXXX found that more than half ( 51 % ) of those questioned had reset a password at least once a month because they couldn't remember it. Complicating matters, the use of easy-to-remember passwords can present a major security risk. Be sure to use unique and strong passwords for all your accounts. '' In addition this report from the XXXX clearly states that consumers should have the free choice and not be coercied into electronic statements because of the entity charging a feeXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I wish that the consumer fraud bureau review this complaint and act upon it, PLEASE DO NOT FORWARD IT to the XXXX organization for they did nothing. Ive been trying to get a modification of my mortgage with wells fargo home mortgage for approx. 2 years now. They committed fraud and intentional delays several times by not responding to me within the 30 days with either an approval or a denial. This I have proof of and wish it to be provided to the consumer fraud bureau as well..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please delete from credit report immediately.
Product: Credit reporting

I recently filed a dispute with Equifax Information Services regarding a late payment being reported by XXXX XXXX XXXX for a personal account with a delinquency date first reported on XXXX and then again on XXXX. I advised Equifax that the information was incorrect due to the fact that during those times I was under federal bankruptcy protection and provided a copy of my bankruptcy XXXX paperwork which provided the start dates of XXXX - XXXX for bankruptcy protection. I then advised that under federal law they are unable to report any or update any negative or positive information on my credit file while I was under bankruptcy protection. Despite having the required documentation Equifax determined that XXXX XXXX XXXX was correct in placing this illegal negative report on my credit file, despite me being under bankruptcy protection.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 XXXXXXXX "