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

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX UNKNOWN XXXX {$140.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ChexSystems has negative information that is impacting my credit score and I'm trying to dispute it but they are using inaccurate information for the security questions, because I have been dealing with fraud and identity theft for about a year. They told me I would have to call the company about that.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transuion consistently responds within 24 hours stating the account is accurate, without providing any evidence through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 


These are the listed accounts that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I AM WRITTING TO FORMALLY EXPRESS MY CONCERNS REGARDING ZELLE 'S 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 ZELL 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 TRANSPARECY IS UNACCEPTABLE AND RAISES SERIOUS CONCERNS ABOUT CONSUMER SAFETY.
Product: Debt collection

I had a Discover card about 18 years + ago. I remember paying them around {$700.00} to an agency that keep calling me about 14+ years ago. After that i never received any calls or mail. I had assumed it was settle. In XXXX I went to live in XXXX. On XXXX, XXXX I moved back to the States to a new address in XXXX XXXX a bit far away from my preview address from XXXX. A few months ago my current job contacted me. Stating that my wages will be garnished. They provided me with the information of the company that was doing it so. The company name is XXXX XXXX, XXXX a debt collector. I had call them and ask them they reason behind and why I was never informed or received any mail regarding this. They told me they had send some correspondence to the address they had on file. And that is should call the judge that authorized and talk to him. There was nothing they can do. 
I had call the court were my case had take place but i was told to go see the judge and see what can be done. I have not had a chance to go there as my job is Monday to Friedan. I will try to go there in the coming days. As of the moment they are taking {$400.00} as month of my check from a credit card that i had about 18 years ago. The credit card was for about {$750.00} at the time and this company is asking to pay them {$8000.00} claiming interest. 

Any advice on what I should do. 

I feel that i was never given a chance to explain my side.
Product: Debt collection

Continues to call my cell phone to collect a debt from someone I do not know, disclosed that persons collection account information to me. Repeatedly told them they have the wrong number and person but continues to harass me.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX I SENT XXXX A CERTIFIED LETTER ASKING THEM TO VERIFY THAT I GAVE THEM PERMISSION TO RUN MY CREDIT REPORT AND THEY SENT ME A LETTER STATING THAT IT WAS FROM A 3RD PARTY. I NEVER GAVE PERMISSION FOR ANY 3RD PARTY LENDERS TO EXTEND MY CREDIT TO OTHER LENDERS.
Product: Credit reporting

There is a XXXX XXXX XXXX credit card on my report that is mine. This account was paid and closed in 2013. There is a balance of {$18.00} showing on my report with a past due amount of {$17.00}. I have contacted XXXX XXXX XXXX and they have said that the account is closed and there is not an outstanding balance even thou I have showed them the report. I would like to resolve this balance but have no idea how I can when XXXX XXXX XXXX insists on the phone that there is n't a balance owed. The info reported by XXXX XXXX XXXX is showing me as past due and this is having a negative effect on my credit.
Product: Checking or savings account

On XX/XX/2023 my neighbor stole my phone out of my vehicle while she was shopping with me! I thought I had left my phone in a store somewhere. That same day I had received my tax refund and immediately transferred it to my savings account. On XX/XX/2023 I was sent a new phone and immediately logged into my Chime account where I discovered my money had been drained from my account via XXXX XXXX. So my neighbor stole my phone, logged into my Chime account and slowly transfered all my tax refund check to her husband 's XXXX XXXX. She created a new XXXX XXXX and was able to connect my chime account to it. Her husband had built a driveway for me so I had sent him money in the past so that's how I knew who had done it! I immediately went and filed a police report and there is an active investigation. I submitted the police report and some other paperwork to chime and within 7 days they denied my dispute and refuse to give my almost {$600.00} back!
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank removed my inquiries from XXXX but they did not remove all them from XXXX. I have a inquiry XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please remove these inquiries because they were not authorized by me.
Product: Checking or savings account

Ive been a member of navy federal since 2011 and Ive had thousands of dollars in overdraft fees even though the bank knew we didnt have money they allowed transactions to go through
Product: Credit card or prepaid card

I am writing to challenge Citibank 's position on a disputed charge. I placed an order with a merchant. I did not receive my order. I contacted the merchant to resolve the issue. Then I contacted Citibank to resolve the issue when the merchant stopped responding. 

XX/XX/2018 - Order placed at XXXX XXXX XX/XX/2018 - Order had shipped according to tracking number XX/XX/2018 - I contact the merchant because the tracking number indicated that the order was delivered to me, even though it was not. I ask for assistance. 
XX/XX/2018 - I email the merchant again because I did not hear anything from them, and they have no phone number by which to contact them. 
XX/XX/2018 - The merchant informs me that they must open a claim with XXXX before they issue a refund or a replacement. They estimate that it will take 5-8 business days. 
XX/XX/2018 - 9 business days later I contact the merchant to see if there is any update. 
XX/XX/2018 - I am once again told by the merchant that after the final paperwork is received from XXXX, that they will issue a replacement or refund. 
XX/XX/2018 - I ask how much longer the process will take. 
XX/XX/2018 - After receiving no response I reach out again and ask for a refund. 

I placed an order with XXXX XXXX. I contacted the merchant as soon as I realized that there was a problem with the delivery. They had promised to address and rectify the situation several times. I have been sending Citibank emails and screenshots for months now, and I received a letter saying that they can not resolve the dispute in my favor because they have not received a " credit slip or chargeback approval from the merchant to prove they agree '' I am due credit for this charge. The merchant would not help me in the first place, which is why I had to resort to contacting my credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and there was a fraudulent account opened in my name.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness. 

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

These accounts were disputed, and EXPERIAN " illegally parked '' these inaccurate, fraudulent, accounts on my credit report : ( FINANCIAL CREDIT NETWORXXXX ) & ( COLLECTION CONSULTANTS OF CA. ) Re : CFPB enforcement action filed XX/XX/year> against EXPERIAN INFORMATION SOLUTIONS INC, for conducting inadequate, sham investigations of disputed and reinserted information on credit reports due to Identity theft. 

Due to the recent lawsuit filed against Experian on XX/XX/year>. EXPERIAN did not conduct an investigation as they are required by the FCRA Law.

I will explicitly say, that I do not accept the findings of the furnishers or the CRA 's, who do not provide thorough results of their investigations. EXPERIAN did not provide to me in exact detail the " method of Verification '' as per my request via XXXX mail. 

EXPERIAN was non- compliant by violating many FCRA Laws & guidelines. EXPERIAN did not Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

According to the FCRA, I am seeking damages for FCRA willful noncompliance, but not limited to, for each violation. below is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S.Code {$16000.00} - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S.Code 1681b Permissible purposes of consumer reports 8. Under 15 US.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S.Code $ 1681c -Requirements relating to information contained in consumer reports.

According To 15 USC 1681n ( a ) ( 1 ) Any Actual Damages Sustained By the Consumer As the Result of The failure Or Damages of not Less than {$100.00} and Not more Than {$1000.00} ; I Want XXXX XXXX dollars Per Violation. 

I expect this letter to be taken seriously and I demand monetary relief, I want {$1000.00} per violation for the fraudulent inaccurate, accounts that were " illegally parked '' on my credit reports. 

I have provided you with the required picces of information. ( See attachments. ) Please govern yourself accordingly. 

Thank you for your assistance resolving this issue. 

XXXX XXXX XXXX. FTC Identity Theft Affidavit Cc. Certified Mail Cc. Attorney General Cc. Proof of data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Got letter from XXXX stating I applied for credit, and I did not apply for credit. 

A XX/XX/2022 Fraud Hard credit hit from XXXX showing on my Equifax report, I did not apply for and credit with XXXX
Product: Debt collection

I emailed a collection company name STELLAR Recovery Inc. back in XXXX XXXX, 2016 to remove a debt showing on my credit report and affecting my credit score. I received a phone call from one of the representative that did n't say her name nor a phone number to get a hold of her and I confirmed to her that the address on the debt does not belong to me and it belongs to someone else. I was told that the debt will be removed from my credit report. I checked again in XXXX XXXX, 2016 and the debt still shows on my report, so I sent a follow up email and I never received a respond up 'til now. 

I also filed a dispute with the XXXX credit bureau and still did n't resolve the issue. I was told to file straight with the collection agency or the original creditor.
Product: Mortgage

I was approved for a loan modification with 3 trial plan payments that began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Then in XX/XX/XXXX the bank cancelled my modification because I did not sent back the Acceptance Letter. I informed them that I did not receive it that they had sent it to the wrong address, one number less. Then I called again and was told that they confirmed that they put the wrong address and would request a reversal on the denial. Again, I called on XX/XX/XXXX and was informed that they would not reverse it and now I have a sale date for XX/XX/XXXX. Please help me avoid foreclosure and keep my home.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$28000.00} Bankruptcy - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

I did not get a car loan and would love for this to be removed off my credit report as soon as possible
Product: Credit reporting or other personal consumer reports

XXXX XXXX account Account has been reaged several times- evidence attached. 
Account is inaccurate and incomplete Also a charge off receiving an XXXX XXXXXXXX write off Also, in collections And account was also paid by the insurance premium in the finance charge This is corporate FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I am locked out of my Experian credit bureau account and can not get Experian to connect me to a human customer service representative to unlock it. I have attempted to call the phone numbers provided on their website but they go in circles with their XXXX voice and never provide any help. The XXXX voice actually hangs up on you which I find to be very unprofessional for a credit bureau. I have tried to change both my password and username online but the website states that none of my answers are correct to even the most basic of questions such as my phone number and social security number. The website will state that it's going to send an email to help me gain access to my account but it never arrives. I also sent an email to their customer support web address and I never received a response. I am in the process of buying a house and the mortgage company can't run a credit report because I can't lift my credit freeze. I can't lift my credit freeze because I can't sign into my online account. Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Madam or Sir, Equifax, XXXX, and XXXX are all reporting that my XXXX XXXX card is at 103 percent of my limit. The limit is {$1400.00}. My debt is {$1300.00}. This is 93 percent of the limit. 

All three organizations have lowered my credit rating based on this miscalculation. 

Please contact XXXX directly to verify that the information which I have provided you is correct. Their phone number is XXXX XXXX. 

I have attempted to correct this with XXXX, Equifax, XXXX and XXXX. The response I have gotten from the credit reporting agencies is an automated system that will not allow me speak with a person. XXXX told me that they won't manually update anything, their " system '' updates people 's credit ratings each 90 days. 

This is all unsatisfactory. 

Regards, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Retired )
Product: Checking or savings account

XX/XX/2023 {$2800.00} taken from debit card XX/XX/2023 {$2800.00} reversed back to account Chase took the money back on XX/XX/2023 {$2800.00}. My XXXX  XXXX credit card was compromised but XXXX  XXXX reversed the charges back to my account. Reported identity theft to police office and send the police report to Chase bank fraud. They denied the claim they say the transaction was authorized. Do not know how that was possible because I have never used it.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit report I noticed some accounts I am not familiar with. I have asked the CRA 'S for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my id, the FTC complaint, a copy of the XXXX report showing my information being exposed in the national data breach and a validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # : XXXX, has violated my rights Account name : XXXX  XXXX XXXX  Account # : XXXX Subject : XXXX XXXX XXXX Account # : XXXX Dear Experian 15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account 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 or prepaid card

I have been claiming unemployment from the government because I was temporarily released off work because of COVID. When I signed up for unemployment I didn't know I was registering an account with Way2Go Debit Card. So a portion of my unemployment has been sent to unactivated account. I don't have the copy of the card to the account therefore, I have no access to my money. I would like to be helped to gain access to the account. You guys have reached out to me but I missed your call. I left 3 voicemails since XX/XX/XXXX and I haven't been reached back yet.