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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX   & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX BAN ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXXXXXX Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
Any physical proof that an account established by me, should be sent to me with such direct information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

Multiple fees of {$37.00} for overdraft they won't let me stop or activate overdraft protection horse have a low risk account this fee has happened more than 10 times in the past 12 months I can't do it I'm tired of it that's a lot of money XXXX * XXXX.
Product: Mortgage

MORTGAGE COMPANY IS NOT PAYING TAXES OR FIRE TAXES, GETTING DELINQUENT NOTICES AND HOME WILL UP FOR AUCTION IF NOT PAID BY XXXX OF XXXX. REFINANCED ON XX/XX/XXXX WITH SAME COMPANY PAID XXXX IN CLOSING COST TO HAVE MY MORTGAGE LOWERED NOW AFTER CLOSING WHICH WAS TO BE XXXX A MONTH THEY INDICATED MY MORTGAGE PAYMENT IN XXXX WOULD BE XXXX A MONTH. IN LOOKING UP MY ACCOUNT THEY SHOW MY NEW PAYMENT EACH MONTH IS XXXX A MONTH. THERE EXPLANATION WAS THEY MESSED UP ON MY ESCROW ACCOUNT. 

THIS IS UNACCEPTABLE TO BE PUSHED TO PAY AN OUTRAGEOUS AMOUNT EACH MONTH AND THEY ARE NOT PAYING TAXES.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs 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.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I initiated a dispute on or about XX/XX/2023 after having been overcharged by a merchant for a transaction taking place XX/XX/2023. 

Goldman Sachs closed the dispute in the merchants favor and stated that I could be mailed evidence on behalf of the Merchant which had been shared with Goldman Sachs. 

I reopened the dispute and waited to receive the merchant 's evidence ( mailed by Goldman Sachs ). I received the merchant 's evidence which effectively proved my case, as the Merchant 's evidence showed a very different subtotal than the subtotal which was presented to me, the customer ( I had shared an image of the original receipt with Goldman Sachs at the start of the dispute process ). 

Despite clear evidence that the merchant improperly inflated the subtotal of the transaction during its final processing, Goldman Sachs closed the dispute once again in the merchant 's favor. I have since reopened the dispute for a third time ( on XX/XX/2023 ), after having notified Goldman Sachs that I would file both FTC and CFPB complaints due to their failure to correctly uphold the dispute in my favor after having been shown conclusive evidence of the merchant 's treachery.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to remove this suspicious information. 3 Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Checking or savings account

Hello, Writing a synopsis to request CFPB step in and protect a consumer from wrong doing by Citibank. I opened 3 new accounts at Citibank as a new customer. There was a 1Q 2021 Citi Personal Wealth Management Promotion of {$500.00} that I qualified for as a new customer. I have confirmed with Citibank that I met all the requirements and also confirmed on my own research and documentation provided at the time of the account opening that I met the criteria. In no less than 8 times calling Citibank to resolve this issue, I have received multiple misrepresentations of what the issue is and have opened cases ( XXXX and another one still open ) to have " back office '' people try to resolve. I have response letters mailed to me that provide a generic denial with no meaningful support of why it can not be resolved per the advertised promotion. 
Best Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XX/XX/XXXX/XX/XX/XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/201 Company XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:05/11/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX  XXXX Company : XXXX XXXX XXXX : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date XXXX XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXXte : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX  Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX/XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX Date:XXXX Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company XXXX XXXX XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX XXXX   Date:XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this follow up CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be removed from my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}. I have included a copy of the dispute letter I recently sent highlighting these accounts for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXXXXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX and XXXX XXXXXXXX have reported information that is incorrect and not mine. According to FCRA section 605c it is illegal to report information on my credit report without my permission. Please remove and delete from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts on my personal credit report with XXXX, Experian, and XXXX  and yet XXXX, XXXX and Experian are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by XXXX, XXXX, and Experian.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Complaint Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian Complaint Department, I am writing to file a formal complaint against XXXX XXXX - XXXX XXXX  for multiple violations of consumer protection laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Under 12 CFR 1006.34 ( b ) ( 5 ), financial institutions are mandated to provide accurate and timely information to consumers regarding their accounts. However, XXXX XXXX - XXXX XXXX  has consistently provided misleading and incorrect information about my account status and transactions, leading to confusion and financial harm on my end. 

Furthermore, according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), financial institutions are required to promptly investigate and resolve any disputes raised by consumers regarding their accounts. Despite my repeated attempts to dispute charges and errors on my account, XXXX XXXX - XXXX XXXX  has failed to address these issues in a timely manner, resulting in ongoing frustration and monetary losses. 

Additionally, under 12 CFR 1006.34 ( d ), financial institutions are prohibited from engaging in unfair or deceptive practices that harm consumers. XXXX XXXX - XXXX XXXX  has breached this regulation by failing to accurately disclose fees and charges associated with my account, causing unexpected financial burdens and further financial strain. 

Lastly, as per 15 USC 1681-S2 ( 7 ) ( A ), financial institutions are obligated to safeguard consumers ' personal information and prevent unauthorized access to their accounts. However, XXXX XXXX - XXXX XXXX  has neglected to adequately protect my personal and financial information, potentially exposing me to security breaches and identity theft risks. 

I kindly request that Experian investigate these violations and take appropriate actions against XXXX XXXX - XXXX XXXX  to ensure compliance with the relevant laws. Additionally, I seek compensation for any financial losses and damages incurred due to XXXX XXXX - XXXX XXXX  's unlawful practices. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Student loan

I am submitting my request again since Key Bank USA / XXXX XXXX / XXXX ( XXXX XXXX XXXX ) continues to wrongly report a delinquency / non payment on my credit report multiple times for ONE student loan issue that was paid in full and resolved ( DUPLICATE reporting of same issue when it is just ONE issue ). 1. The account was paid in full and should be removed as a negative on my credit report. 2. In addition, reporting by XXXX entities was wrongful because the account existed only with Key Bank and the other entities have no right to report. XXXX. The one account at issue was wrongly reported negatively under multiple account numbers when the issue involved only one Key Bank account which was paid in full. 4. After multiple attempts to correct the erroneous reporting of the account with Key Bank and the Credit Bureaus -- all XXXX Key Bank entities continue to wrongly ( negatively ) report the account in duplicate and unresolved. 5. The amount involved is under {$200.00} however its impact to my credit history is negative, erroneous and without basis. 

I am seeking your assistance resolving this matter because KeyBank USA / XXXX XXXX / XXXX and the Credit Bureaus have repeatedly failed to address this even though I have contacted them multiple times. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

All four major credit bureaus TransUnion, XXXX, XXXX and XXXX have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared My ( Consumers ) personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
Product: Student loan

The original Federal loans taken out were before XXXX at the XXXX XXXX XXXX At some time the loans were consolidated without my knowledge and/or deceptively to extend the loans amount. I have over paid Navient by several thousands of dollars, the exact amount I am attempting to determine. I have been paying these loans for more than 20 years and, according to the federal government correspondence, these loans should have been forgiven in XXXX. Navient will not provide any specific details on the history of the loans or the total amount paid. I only have received general information and they are also harassing after only pausing my payments because I have no confidence that these loans are legal or are being handled properly, to date I have only missing the monthly payment for XXXX resulting in harassing phone calls on every day, including Sunday and as late as XXXX. I did open a previous case, but I believe this case needs to be addressed with a greater attention to detail.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

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 has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 1. XXXX XXXXXXXX XXXX Account number : XXXX 2. XXXX Account Number : XXXX XXXX Account number : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports.

Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Vehicle loan or lease

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Product: Credit reporting or other personal consumer reports

Previously I had requested Experian remove all authorized inquiries on my account. After stating they had did so they all reappeared. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all unauthorized and should be deleted Immediately.
Product: Checking or savings account

To Whom It May Concern : In XXXX of 2020, I applied for a loan for my business with XXXX. XXXX qualified me for {$10000.00} which was deposited into the checking account I had with Citibank. Citibank treated me like a XXXX and closed my account and held my funds in both my checking and savings accounts for more than 60 days. They even stopped my automatic withdrawals for my bills. They then stopped all communication with me. Every single person at this bank would hang up on me when I would call in regards to my account. No one would answer any questions or anything they would just hang up the line once they would verify my info. I never received the funds for the {$10000.00}. I went into the branch and was given a corporate phone number and was told to never come back after the phone number was given to me. I called the number and was told that the money was returned back to XXXX. I reached out to XXXX and was informed the money was never returned to them. I spoke with someone in the recovery dept and was told that XXXX was supposed to return the money to the treasury and none of that has happened. Citibank still has those funds. Well, now it is time for me to pay the taxes on that loan. I need the money to operate my business and recover what was lost. If Citibank doesn't want to return me the funds they need to at least return the money to the treasury so that it can be returned to XXXX. Why should I be responsible for paying taxes on something have never even received? It's been almost 2yrs. I am ready to hire an attorney if this can't be resolved. I have had my business banking account with another banking branch for going on 2yrs now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the bankruptcy information currently showing under my social security number permanently deleted. Transunion and XXXX failed to provide me copies of all documents associated with this public record. Per federal law, they had 30 days to complete this investigation as outlined per the fair credit reporting act 623 ( a ) ( 3 ).

Per the federal credit reporting act, section 609 ( a ) ( 1 ) ( a ), the beauros are required by federal law to verify through physical verification of the original signed consumer contract and/or judgement ( s ) all accounts and public information that is posted on anyone 's credit report. Otherwise, anyone could post fraudulent or erroneous account information