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

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX  Balance : {$800.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 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

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. 

I have sent your company many letters requesting that you investigate these inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. Please investigate the following : 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
Product: Money transfer, virtual currency, or money service

Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause unsignificant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company agreed to remove late payments for Covid-19 the months of XXXX and XX/XX/2021 due to severity which was never resolved. In addition, the company also confirmed that an automatic payment method was successfully added to my account. After having doing so, instead a 30 day late payment was reported to all credit bureaus negatively impacting my report. After contacting the company in attempts to resolve the matter the company confirmed admitting that their automatic payment processing had been compromised and that they would resolve this issue and that a new payment company would take over because other customers experienced the same issue. The company failed to notify their customers of the processing issues to begin with resulting in severe negative impact on my report. The reporting from this incident occurred on XX/XX/2021 to credit bureaus .This issue has not been resolved. This is an escalation for removal of ALL late payments. As a sole provider the me and my family are severely impacted and caused damage to my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management is threatening me with legal action about an account balance with them that I do not owe them. I never entered into any agreement with this company.
Product: Checking or savings account

I tired to open up a bank account, wasn't able to because they stated I was in XXXX XXXX reached out to XXXX XXXX they send me my report, as I stated previous on another complaint I was a victim of ID theft those accounts do not be belong to me, I have filed another police report and have attached it. My passport along with my ssn card along with other variables was stolen from me years ago this has been an un going process as I just want my life back please
Product: Debt collection

I received a letter on the date of XX/XX/2018. In the attempt to collect a debt in the amount of {$600.00} my credit report was sent to XXXX XXXX XXXX. I would like to have this matter taking care of please.
Product: Checking or savings account

I filed a dispute for fraud on my account and then Citibank turned me the account holder into the fraudster. 

Citi bank locked me ourlt of my accounts after filing a dispute stating I couldnt provide the correct answer for a security word. 
I have never set up a security word or question and have never been asked for one until this time understandable due to a report of fraud. I immediately went to a branch to confirm my identity and verify account information on XX/XX/XXXX. I received my new bank card XX/XX/XXXX activated it and again went to the branch after attempting to access online banking which I was not able to do. Left the bank with access to online banking and later attempted to make a purchase which was unsuccessful. I called customer service whom laughed in my face, made sarcastic statements, and hung up in my face after waiting over 2hours for help. During this entire time i had access to view my account after they hung up in my face i no longer was able to see my balance or use online banking. The representatives were attempting to verify my accounts with a phone number that I numerously stated to them was no longer in service. I had updated my current phone number when I visited the bank that day on XX/XX/XXXX. The rep named XXXX  stated to me to update my phone number with public records which I have never heard and actually is really absurd because how. Stating the service they use can not verify my phone number and to call back to speak with someone else. I requested a supervisor who, when answered, went by the name mark and hung up on me after the call ino longer had access to my account online but the representatives only attempted to verify my accounts information via telephone number and a security question/word which i never set up. When I gave them my mothers maiden name, they told me that answer was wrong on their XXXX There were several other ways such as ssn, email, recent transactions etc. if someone calls in with my phone number that is no longer mine they can access my money and account information. On their webpage it states that I can contact them if the anser to the question has been forgotten although i never set this up and I did not get that help. They passed me around and blocked my access.
Product: Mortgage

My house payment is due on the XXXX of the month and is not considered late until the XXXX. I paid {$500.00} at the end of XXXX and the remaining payment on XX/XX/year>. 
I received a phone call today stating my payment was late and they had assessed a {$67.00} late fee. I explained that it had been paid in full. The XXXX was able to find my additional {$500.00} payment from XXXX and told me they do not hold payments. I have paid the mortgage like this in prior months and it had not been an issue. A previous XXXX had even told me how to do this over the phone earlier in the year. 
The lady today told me they would remove the late fee as a XXXX time courtesy, even though the payment had been made. I requested to speak to a supervisor and was told there are none available and I would need to wait for XXXX to call me. 
This should not be allowed and we have no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me I have tried to get this taken care of with the bureaus as well as the furnisher this is not my account I need this off my credit ASAP. 

XXXX XXXX  XXXX. - Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

In accordance with the Fair Credit Reporting act XXXX  Accounts ( XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX to provide me with Validation documentation. I never received the documents with my original signature. This is the XXXX time I have disputed this information with Experian and XXXX XXXX yet the debut keeps showing up. Both the credit agency and the debt collector are more than aware of what I requested. I have made this request through CFPB, XXXX XXXX, and Experian yet it is continuously places on my credit report and has never been validated. Im XXXX  of it. They have failed to comply with 15 USC 1692g of the Fair Debt Collection Act repeatedly. At this time both Experian and XXXX XXXX XXXX have only 4 days to respond. No. I will not give them XXXX day since this was addressed multiple times already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted disputes through Equifax online system. Received email notifications regarding dispute updates, however online dispute check from Equifax will not work. Called Equifax directly, they stated they could not help me. Equifax offers an online dispute resolution service that does not work, and the customer service is not willing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed these unverified accounts with all 3 credit bureaus.. XXXX   and XXXX  deleted the accounts from my report.Equifax continues to erroneously report these accounts.I have provided clear supporting documents to the fact.I want the erroneous accounts Deleted immediately. 

Thank You.
Product: Checking or savings account

XX/XX/2022 I bought ten tickets from asap tickets. It was two different reservations. The amount charged to my account doesnt appear on the bank account information. It was XXXX for one reservation and it doesnt show up on my account info and other was XXXX. I dont know why the these payments dont show up in my bank account information. The company name asap tickets charged me XXXX and XXXX and it doesnt show up in my bank account information. I want to complain against asap tickets.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATIOXXXX of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX  Subject : Second Dispute Regarding Inaccurate Late Payments Dear CFPB, I am writing to follow up on a previous dispute regarding inaccurate late payment information reported on my credit file for the XXXX XXXX account ( Account # XXXX ). Despite submitting my initial dispute and your agency 's completion of an investigation, the inaccurate information remains unchanged. As such, I am requesting a detailed description of the investigation process, as required under the Fair Credit Reporting Act ( FCRA ) 15 USC 16811 ( 7 ). 
Disputed Information : The following account contains inaccuracies in the reporting of late payments that are inconsistent with my payment history : Account Name : XXXX XXXX Account Number : XXXX Credit Bureaus Involved : XXXX XXXX Experian, XXXX Type of Account : Real Estate Mortgage Specific Errors Identified : Late Payment Reporting : XXXX XXXX Reports a 30-day late payment in XXXX XXXX 
Experian and XXXX : Report a 30-day late payment in XXXX XXXX

Status Discrepancies : The account is marked as " Closed '' and " Paid, '' yet late payments are reported without any supporting evidence. 
Remarks : Conflicting and vague comments across bureaus, such as " XXXX XXXX account '' ( XXXX ) and " Closed '' ( XXXX ), do not provide clear information on the status of this account. 
Impact : These inaccuracies directly affect my credit score and do not reflect my financial responsibility. 
I have attached my credit report with highlighted discrepancies for your review. 
Summary of the Issue : To the best of my knowledge and records, I have consistently paid this account on time, in accordance with the terms of the agreement. The reported late payment in XXXX XXXX XXXX XXXX is incorrect and must be removed. I am also requesting clarification on why this error persists despite my initial dispute. 
Legal References : Under the FCRA : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports should not contain inaccurate information related to transactions between the consumer and the data furnisher. 
15 USC 1666 ( b ) : Procedures must be in place to ensure periodic statements are mailed no later than 21 days before the payment due date.

Requested Actions : Conduct a reinvestigation of this account and provide a written description of the process used to verify the reported late payment. 
Remove all inaccuracies from my credit report and update the account status to reflect Paid As Agreed Never Late. 
Provide documented proof supporting the reported late payment, including specific dates, amounts, and correspondence. 
If you are unable to validate the late payment, I demand that the inaccurate information be corrected immediately. Please note, failure to rectify this matter within the legally mandated 30-day timeframe will constitute a violation of the FCRA. 
Thank you for your prompt attention to this matter. I expect a resolution in line with the FCRA and a written response regarding your findings. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had my Cash App account hacked, and my personal bank account was set as a funding source for the account. In dealing with this, my account had no funds in it, so my personal bank account had sent money via cash app to an unknown and unauthorized transaction. I was a victim of fraud. 

After this, I had contacted their staff via email and they stated there was nothing they could do about it, but i was more than welcome to contact my bank and get the situation handled with them. I did. 

A month later, they closed my account abruptly with no warning and banned me from the service and consequently closing all new accounts I had attempted to make. This is unacceptable, as I should be allowed to make a new account at the very least. I was a victim of fraud and instead of handling it, they are attempting to sweep this under the rug. 

In short, I was punished for being a victim of fraud, CashApp and Square inc has stolen money from me by charging my bank for the fraud charges and refusing to assist in their recovery, then closing my account and banning me from opening any other accounts for attempting to resolve the fraudulent transactions internally with their staff. I will continue to open complaints and pursue this until my account is either re-opened, or I am permitted to open a new account with full functionality.
Product: Credit card or prepaid card

On XX/XX/2017, an unauthorized charge of {$9700.00} was made to my Citi MasterCard. I notified Citi customer service immediately upon receipt of the statement, and was assured that no further actions were required by me to resolve the problem. I filed complaint # XXXX with the CFPB that I have been denied relief. In their response, they dont deny that the charge is unauthorized. Instead, they deny responsibility for obscure technical reasons, which do not change the guarantee made to me by them that I am never responsible for unauthorized charges. I accepted the instructions given me by their customer service department as legitimate. If they were inadequate or improper, the liability for that should lie with Citi, not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 4 ) XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) Exeter fin ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX All hard inquiries showing on my credit  report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX : As was announced on XX/XX/XXXX, XXXX  is one of several institutions targeted by a nationwide cyber attack on XXXX XXXX XXXX XXXX ( XXXX  ), a vendor service used for transferring sensitive information. This attack has affected approximately 300 organizations, including universities, government institutions and private companies. In this incident the perpetrators gained access to files and confidential personal information by exploiting a vulnerability in XXXX program. At this time, we believe the stolen information includes but is not limited to names, birth dates, SOCIAL SECURITY NUBMERS and bank account information. The attackers are threatening to publish, or have published, stolen information on the dark web in an attempt to extort organizations and individuals. 

I think not only my social was messed with ( ie. im dead per my social ) and have had my debit card number stolen.
Product: Credit reporting or other personal consumer reports

After discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the XXXX breach. Despite my efforts, Experian, XXXX and XXXX denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, XXXX and XXXX has not fully investigated the potential identity theft tied to the XXXX breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. ACCOUNTS LISTED BELOW : XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX. Account XXXX : XXXX
Product: Credit card

Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.
Product: Credit reporting or other personal consumer reports

This message serves as a follow-up to my initial complaint dated XX/XX/XXXX. I am submitting to bring to your attention the issue of erroneous reporting that I have experienced. Attached, you will find my identity theft report. As per FCRA XXXX XXXX, XXXX XXXX XXXX are obligated to remove any items mentioned in an identity theft report, with reference number XXXX. The enclosed documents should assist in correcting the inaccurate personal details and inquiries on my report. The following items were fraudulently opened without my consent : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section XXXX ( a ), these items must be removed from a consumer 's file within XXXX business days upon receipt of the identity theft report.