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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of BirthXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal apartment rental accounts opened which resulted in collection accounts opened with XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 JPMCB CARD made unauthorized hard inquiry to my credit report
Product: Money transfer, virtual currency, or money service

I am writing to formally, express my concern regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous of time and reporting discrepancies my financial institution, and Zelle failed to investigate my claim adequately. They informed me that recovering loss funds was impossible, and that tracking these transaction was infeasible. The CFPBS find his indicate that Zelle has not only neglected to protect consumers, but also allow repeat offenders to explore the system leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against XXXX located in XXXX, XXXX, XXXX located in XXXX XXXX, XXXX, and Experian located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX, XXXX, and Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX, XXXX, and Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Debt collection

My information and debt was sold to tek collect by XXXX XXXX XXXX. Which then accused me of being late on payment and sent numerous text and emails stating that I still need to continue paying for a treatment I did not receive. When I ignored their advances their reported it to the credit bureau and messed up my credit. I had made my payments up until their bankruptcy and well after the stopped my treatment. They also lied about how much I owed.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 I was given a refund from an XXXX  seller in the amount of {$49.00}! I have told PayPal I have not gotten the money. PayPal has ignored my request to be called or emailed to find out where that money has gone. 

This is the second incident where PayPal was been given money on my behalf and has not put it into my account, both times the money was coming from XXXX.
Product: Debt collection

I mailed Santander on XX/XX/2021 and filed my FTC report to verify a debt that was reported in the amount XXXX that was never verity and they sent the debt to a debt collector. They are in violation of 15 usc 1681b.
Product: Debt collection

Portfolio recovery services repeatedly calls me threatens that there will be legal action against debt that is almost 10 years old. I lived in XXXX  at the time and now live in XXXX. I have asked them to stop contacting me and they have not done so. I saw an attorney that told me the debt is too old and that they are using scare tactics. The calls interrupt my work and they even call on Sundays.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has continued to report an unverified XXXX on their my consumer report listed with there company ; which is false information. 
I have contacted LexisNexis on several occasions about opt out ans suppress any information and to verify how they retread this information. 

I have a certified letter that clearly states they Do Not report any information with third parties such as Lexis Nexis or any of the three credit bureaus such as XXXX, XXXX and XXXX Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit

report. According to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

On XX/XX/XXXX, I received a promo mail from Truist. The piece of mail invites me to create a checking account with them and get {$400.00} if I qualify. The offer is for someone who received direct communication from Truist ( for me via mail ), someone who has never had a Truist account ( I never did ), open an account between XX/XX/XXXX through XX/XX/XXXX, and to set up a direct deposit totaling {$1000.00} within 90 days of opening account. I did all of those and added the promo code to my account. I opened an account on XX/XX/XXXX, set up direct deposits through my employer ( XXXX direct deposits of {$500.00} each during month of XXXX ). I called Truist on XX/XX/XXXX to see if I met the requirements. The rep said yes and I will get {$400.00} bonus in XXXX weeks. On XX/XX/XXXX, I received an email saying I did not earn the bonus as I didnt meet requirements for offer. I was confused because the promo mail ( attached ) clearly states in 3 steps what I need to do and the fine print highlights the offer eligibility. Very misleading. Plus no explanations of how I didnt meet the requirements. I told my husband before all of this that we might make Truist our joint checking account. But after this deceitful promotion. Im not recommending Truist to anyone I know and Im closing my account as soon as my last direct deposit hits. My first experience with Truist was terrible.
Product: Credit reporting or other personal consumer reports

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 


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 I will never stop filing complaints against you because I know my rights! In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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.

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

Dear CFPB, I am writing to file a complaint against Chase Bank for their negligent handling of a dispute, dual charging, and misappropriation of funds. 

During a previous XXXX dispute, I received a free return label for one item, but the labels for the other three items were missing, leaving me with only the return address. After returning the items, XXXX rejected the return with XXXX tracking number XXXX. 

I requested Chase Bank to update the dispute amount, as they insisted I had not returned all items. This lack of professionalism is concerning, as each item should have a corresponding return label for proper tracking and refund processing. 

Currently, Chase Bank has only credited {$53.00}, while I have repeatedly asked for the full amount of {$72.00}. The bank had already charged back {$72.00} from XXXX two weeks ago, not {$53.00}. It appears that Chase is exploiting this situation for personal gain. 

I urge the authorities to supervise and investigate this matter. 

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

I am filing this complaint against XXXX XXXX ( a division of XXXX XXXX  ) for their failure to correct inaccurate credit reporting that has caused severe financial harm to my credit score. 

I financed a XXXX  XXXX XXXX through XXXX XXXX XXXX Account # XXXX ). 
Due to being a victim of fraud and grand theft, I temporarily paused payments after discussing with the XXXX XXXX State Attorneys Office that the criminal responsible was expected to pay restitution directly to XXXX XXXX as part of a plea deal. 
I notified XXXX XXXX of this information, and after legal delays in the case, I noticed they reported my account as XXXX  days late, which immediately dropped my credit score by over XXXX points. 
The second I noticed this, I brought my account current per our agreement, yet XXXX XXXX still refuses to remove the late payment designation from my credit report. 
My official loan statements from XXXX XXXX show my account as never late, yet they are reporting false information to credit bureaus. 
They initially agreed to discuss a settlement, but after I proposed a lower amount, they reneged the settlement offer and continued to harm my credit standing despite my good faith efforts. 
This inaccurate reporting has made it impossible for me to obtain fair financing, as my credit score has dropped from around XXXX to below XXXX, despite my loan being current and in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late twice.
Product: Credit card

I have set up for automatic payments with discover card. They have only withdrawn the amount due on the XXXX instead of the XXXX. ( I have called them many times to correct this and finally today they have properly correct it ). As a result since at least 2009, I have been charged numerous late fees as well as penalty APRS of up to 27 % as a result. Ive asked them to correct the penalty aprs as well as late fees incorrectly charged and they said its too long ago and they can not correct it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1100.00} XXXX   XXXX {$350.00} XXXX {$1000.00} XXXX {$390.00} XXXX {$630.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a charge-off in the amount of {$470.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

There is no human being to talk to. You have to contact customer service through the app, but since I did not create or authorize this account, I do not have the log in information and are unable to contact the company to report that this account was created fraudulently by someone else.
Product: Vehicle loan or lease

I have paid extra on my auto loan to go toward the principal. There is not an option to do principal only payments online so you have to call in after the payment posts to the account. I have made over 7 calls and my payments are still not being applied correctly to the principal. I also requested that the interest for that time period be credited back as I should only pay interest on the correct principal amount. I believe they make it difficult so you don't pay extra to pay the loan off quicker.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that there are many unverified inquiries in my credit report. The inquiries listed in my report were unauthorized. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continue to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/XXXX I went on vacation. Before that I had requested a credit card from PNC bank, so I can improve my credit score. On my vacation I contacted PNC to help me. 
In order to look into my bank balance I have to register my XXXX XXXX to PNC bank and then my XXXX XXXX I'm using can receive the security code needed to access my account. 
I called the ( XXXX ) XXXX many times and was unable to Get into my PNC online account because of the ridiculous questions that the PNC agents asked of me. I also sent a e-mail to PNC XXXX XXXX XXXX XXXX XXXX and she did not help me. 
So the issue is that the credit card required a fee every month and since I was on vacation until I landed in the USA on XX/XX/XXXX. I incurred over {$100.00} in fees for not paying the credit card on time. I also don't know if my credit score is negatively harmed by PNC inactions to help me.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
PENTAGON FEDERAL CR UN XXXX Balance {$0.00}
Product: Debt collection

After closely reviewing my credit report, I noticed the presence of unauthorized accounts that I did not open.
Product: Vehicle loan or lease

Today as I was trying to apply for a mortgage it was noted that I have late payments being paid to credit acceptance For my Car note I am in a payment arrangement with them but tht are reporting to the credit bureau that my payments are late and it is hurting me with trying to purchase my home
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Demand for Immediate Deletion of Incorrect Payment History for Account Number XXXX .... 
To Whom It May Concern, I am writing to demand the immediate deletion of the inaccurate and misleading payment history reported for the account referenced above. This request is made under my rights pursuant to the Fair Credit Reporting Act ( FCRA ). The reported payment history, including the late payment entry for XX/XX/XXXX and the " ND '' ( No Data ) entry for XX/XX/XXXX, is incorrect, damaging my credit, and must be removed immediately. Furthermore, this account was a savings account, not a credit account. It did not extend credit or involve monthly payments, making any report of a late payment or missing data entirely inappropriate and a clear violation of FCRA regulations. 
Under Section 623 of the FCRA, creditors are required to ensure the information they report to credit bureaus is accurate and complete. Reporting a late payment for a savings account where no credit terms exist is a blatant misrepresentation and must be rectified immediately. The inaccuracies in the reported payment history have caused unwarranted harm to my credit score and financial reputation. 
I demand the following actions : Immediate deletion of the late payment entry for XX/XX/XXXX and the " ND '' entry for XX/XX/XXXX from all credit reporting agencies. 
Written confirmation that these inaccuracies have been corrected and removed from my credit file. 
Assurance that no further inaccurate information related to this account will be reported in the future. 
I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies for your failure to comply with FCRA requirements. I will also explore all legal remedies available to address the harm caused by your inaccurate reporting. 
Please treat this matter with the urgency it deserves. If you require further information from me to complete this deletion, please contact me in writing at the address provided above. 
Thank you for your immediate attention to this matter.
Product: Debt collection

On XX/XX/year>, at XXXXXXXX XXXX  PT, I sent an inquiry to Portfolio Recovery Associates ( " PRA '' ) about their investigation of my claims concerning debt sold to them by XXXX XXXX ( PRA Account No. XXXX ; see also Complaint ID XXXX, where XXXX XXXX enables PRA 's offenses ). I have been unable to find my copy of their findings in an investigation I believe they did not conduct. 

In my XX/XX/XXXX e-mail, I asked for discovery of a XX/XX/year> letter concerning the status of the investigation. To date, I have received no communications that confirm or deny discovery ; not once at any time during the investigation had I received any communications for more information or evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I paid XXXX in XX/XX/XXXX for account # XXXX for {$68.00}. They never send my receipt ive requested several times. I disputed this account to credit bureaus and they remove the account off the files in XX/XX/XXXX. Since them this account has not being reported each time ive talked with XXXX this never came up that I still owe it. I checked my credit report this month and found out they put this account back on the file its been 1 year and 3 months this account were not being reported. I can not get the bank statement because I no longer have the account it was closed in XX/XX/XXXX. Somebody had took my payment and did n't apply it to the account. Its no way the credit bureau would delete something without being paid or its 7 years old. Also they just put another account # XXXX for {$83.00} from XX/XX/XXXX on my credit file I want to know where this account been all this long time 5 years. I want these items deleted from all credit bureau this is so unfair.