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

Dear Consumer Financial Protection Bureau, I am writing to address the inaccuracies present in my credit report across the three major reporting agencies- XXXX, Experian, and XXXX. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my report, I have observed discrepancies regarding an account with XXXX XXXX. XXXX reports the account as being opened on XX/XX/year>, while Experian and XXXX report different open dates- XX/XX/year>. This inconsistency is not only inaccurate but also detrimental to my credit standing. I request the immediate removal of this item from my credit report. 

Furthermore, XXXX and Experian report a credit limit of {$550.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are crucial in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies.

Additionally, 16 CFR 313 and 16 CFR 313.7 play a significant role in defending my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is also notable that while XXXX and XXXX report this account as current, Experian inaccurately lists it as 90 days late. This disparity in reporting further underscores the need for immediate correction.
Product: Checking or savings account

Bank of the West on XX/XX/XXXX for XXXX $ Deposited brought available XXXX $ from a XXXX balance. This showed available online. Later the funds were manipulated somehow after I conducted businesses with the available funds of XXXX XXXX Later that evening the funds reversed without any activity and a letter was sent about the error the following day addressing that there was a bank error to no fault of my own. I proceeded as it directed and was refused at the XXXX wells branch by a bank manager who claims she knew what that letter was and didnt want to see it and told me to leave that my account was going to be closed. 

Secondly in that same month XXXX XXXX came into the account by mobile deposit and XXXX $ came available which I made payment to my auto insurance XXXX XXXX with confirmation number available upon request. The payment was recinded and my account was closed later receiving a statement with no history of the payment. I phoned about it with XXXX XXXX and they could not provide any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOMEVER IT XXXX CONCERN ; This is about XXXX XXXX XXXX entered with your Company dated ( XX/XX/XXXX ) and I extended your organization the credit for the account number ( XXXX XXXX 
I hereby give your XXXX notice pursuant to 15 USC 1602 ( k ) that your XXXX never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the Cardholder.

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, I therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to remove the below-mentioned information from my Consumer Report : Account name XXXX XXXX XXXX XXXX  Account NumbeXXXX XXXX XXXX  Account opened : XX/XX/XXXX Balance : {$530.00} If you accept my request, I will not escalate this matter to a federal court. In case you do not accept the above requests, a legal action shall be taken against your Company for compensatory damages. 
Thank you for your attention to this matter Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never lived at any of these addresses result of identity theft ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the only familiar number is ( XXXX XXXX XXXX it is my old phone number but still needs to be removed the other XXXX are results of identity theft when I was under the age of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts are results of identity theft when i was under the age of XXXX and are the only two that haven't been removed from my credit. 
I don't know if it's still on mt report, but my birth year was also incorrect it should say XXXX
Product: Debt collection

I XXXX XXXX do not owe any company any money. I do not have a signed contract with any collection company. I request you delete this collection off my credit report. Delete delete
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XX/XX/year> : Account Name : XXXX  Account Number : XX/XX/year> : Account Name : XXXX Account Number : XX/XX/year> : Account Name : XXXX Account Number : XX/XX/year> : Account Name : XXXX XXXX Account Number XXXX XX/XX/year> : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Zelle handling of disputes especially since new CFPB lawsuit is highlight significant issues with platform. Zelle failed to investigate my claims adequately. NO accountability
Product: Debt collection

Dear Sir/Madam, I have requested documentation of this debt that was charge off account, which the acquired owner voluntary took on the debt and now threating to sue me which I was never in contract with. Please see email below to PRA, LLC sent on XX/XX/year>. 


I am writing to dispute a debt allegedly owed to your company, originating from XXXX XXXX. ( XXXX XXXX ), and subsequently acquired by PRA, LLC. I have no record of this account or the associated debt amount. 

To assist in resolving this matter, I respectfully request the following documentation be provided : 1. **Account Documentation : ** Copies of all documentation related to this account, including those predati

ng PRA , LLC 's acquisition. This should clearly show my name, the last four digits of the account number, and the debt amount at the time of purchase by PRA, LLC. 2. **Transaction History : ** A complete and detailed transact
ional history of the account since its acquisition by PRA , LLC . 

3. **Chain of Ownership : ** A chronological list of all previous debt owners, including the dates of each transfer of ownership, from the time of the initial charge-off.

4. **Bill of Sale/Transfer Documentation : ** Copies of all bills of sale or other documentation evidencing each transfer of ownership from the time of charge-off. This should also include documentation pertaining to the original account opening. 


Please send the requested documentation to the following address : XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or u unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting Unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

I am filing this complaint due to an unlawful garnishment based on a debt that does not belong to me. The company has engaged in the following unlawful and deceptive practices : Invalid Debt : I have never had an account, contract, or any financial relationship with this entity or its affiliates. The debt lacks my signature or agreement, making the claim baseless. 

Violation of Due Process : I was never properly served or notified about the original court proceeding. This deprived me of my right to dispute the validity of the alleged debt, which is a clear violation of Michigan Court Rule ( MCR ) 2.105 ( A ) and fundamental due process rights.

Improper Garnishment Procedures : Despite the invalid nature of the debt, the company secured a writ of garnishment without verifying the legitimacy of the underlying claim. 

Harassment and Financial Harm : Funds have been or are at risk of being improperly seized from my account, causing financial distress.
Product: Credit reporting or other personal consumer reports

My credit was ran at XXXX without my knowledge and resulted in a hard inquire on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax had my XXXX XXXX XXXX paid in full on XX/XX/19 showing XXXX balance and paid collection account. Then on XX/XX/19 XXXX  put the {$91.00} balance back on my XXXX XXXX loan and Equifax {$410.00} stating it is owed again and account in collections lowering my credit score over 25 points!! I don't understand how XXXX   and Equifax can increase a XXXX balance once the account is paid in full? I called customer service they were of no assistance I am trying to purchase a car I can not afford to have this happen to my credit report!!!
Product: Mortgage

My mortgage obligation was transferred from XXXX XXXX XXXX XXXX recently to Fifth Third Bank. I can not pay this mortgage obligation online due to arbitrary reasons. Fifth Third Bank requires that you visit one of their retail branch locations to set up their online banking service to make payments. The closest retail location is over 10 miles from my residence. This isn't an actual security requirement to visit a branch location. It is a ploy to cross-sell potential new relationships on retail banking products by requiring people to visit a branch location. This is unethical and disparately impacts people with disabilities, of whom my wife is one, and as she is on the mortgage obligation, this directly impacts her. 

To my knowledge, no other mortgage servicing firm has such arbitrary requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed there several inaccurate items listed on my report. The inaccurate items ( inquiries ) are listed below : XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did not authorize these companies to create an inquiry or apply for any credit utilizing my name. This is a violation of the Fair Credit Reporting Act Section C168B and a serious breach of my privacy right. I formally request that these fraudulent inquiries be immediately removed from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of accounts with your company. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening two new accounts with your company, respectively. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services. 

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay. 

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. 

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. 

I kindly request a response to this letter within the exact timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue.

I value the business relationship I have with Credit Bureau and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship.This is the accounts needs to be corrected : XXXX XXXX XXXX : {$20000.00}.
Product: Debt collection

In review of my XXXX and XXXX credit report, I found an account listed on my file that does not belong to me. Several attempts were made regarding the validity of the account with requests made to the company to provide proof and validation of said debt. This company has not complied with the request and refuses to supply any proof that this debt was validated by me. Furthermore, this said debt does not belong to me nor have I ever received any form of written communication via electronic or hardcopy requesting me to verify or validate said debt. This company continues to violate the laws that are governed to protect consumers. Section 1006.34 ( a ) ( 1 ) generally requires a debt collector to provide the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collectors initial communication. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice. I have never received any notice to validate said debt. Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. CCS Collections are listed on both of my credit files attempting to collect a debt for XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'am a victim of identity theft, my infomation is apart of the Equifax data breach. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did authorize or regonize
Product: Bank account or service

On Thursday XXXX/XXXX/2015 I tried to long into my account online and was unable to access it. I contacted citbank via telephone in reference to my account. I was informed that they can not give me information via telephone I must go in person with a ID. On XXXX/XXXX/2015 on or about XXXX I went to the branch on XXXX XXXX in the XXXX. I spoke to the representative named XXXX XXXX who informed me that I must call citi bank fraud alert. He put me on the phone and left to move his car. Once on the phone with citi bank fraud unit I was verified and that representative ask to speak to XXXX who was not available. So another representative helped me, a female. She had on XXXX. The representative on the phone spoke to the bank representative and then I was informed that my account will be closed and I will get a letter in the mail. I was not offer any detail to what happen with my account what is going on .... I need some one to help me
Product: Debt collection

On XXXX/XXXX/15 I paid XXXX XXXX XXXX for an old military debt on my AAFES STAR Card for the amount of {$3700.00}. I had a garnishment on my paycheck prior to that and on XX/XX/XXXX {$500.00} was garnished, and again on XX/XX/XXXX my pay was garnished for {$240.00}. I have contacted XXXX XXXX XXXX for the overpayment and have still not received my overpayment refund and can not get an answer to when and if it will be refunded. I also contacted the Military AAFES Star card and the balances between the collection agency and the debtor do not match. XXXX has been very hard to deal with and the XXXX XXXX put me on hold for an hour when I requested a manager. I 'm very frustrated with the XXXX agencies and would like for them to contact each other, figure out my overpayment, and refund me immediately, I have paystubs that can verify the garnishment as well as the wire transfer from my bank when I paid the debt off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I submitted a dispute with Experian re : 3 accounts. The three accounts are with XXXX, XXXX and XXXX XXXX. All these accounts I asked for a Method of Verification as to how they came to the conclusion that these accounts are mine. 

I sent documentation with certified return receipts and asked for an investigation within the proper timeframe as per the FCRA. 

I have sent several letters and have NOT received any Method of Verification since I have been asking which began in XXXX, 2020. I am tired of this and it is hurting my credit rating. I need these to be removed Immediately as I have followed all the proper protocols as described in the FCRA.
Product: Prepaid card

I received a giftcard from one of the friend for my birthday. But when I try to use the card in stores and online, the payment never went through and was declined. As the card is from XXXX, I tried checking the card information, but even after providing the right card number and CVV, it says the card information is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown account on my credit report from XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank has denied my Identity Theft Claim stating that the information is accurate but have yet to provide any proof that I am not a victim of Identity Theft. Chase claimed that The Slate account ending in XXXX was opened on XX/XX/2017. This account was fraudulently used a result of Identity Theft. 

Furthermore, during the periods of XXXX I have been living outside of the United States as a resident of XXXX. Therefore, any account activity during this period was made fraudulently without my knowledge as a result of Identity Theft. Any payments that was made to Chase bank was NOT made from me as I was living in XXXX. Any account usage during this period was NOT made by me. This can conclude that someone has indeed stolen my identity and has hacked into my personal account information including emails, bank accounts, credit reports, credit cards etc. Under The Fairs Credit Act I  request that this debt be removed from my name or I will pursuit a civil legal action. I have attached a copy of my Identification card issued by the XXXX Of XXXX. Further documentation such as passport entry stamps of XXXX, apartment rental contract in XXXX, Car registration in XXXX and other verifiable information can be provided upon request to further prove that I was outside of the United States during the years of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX-acct# XXXX  XXXX  XXXX  -acct# XXXX XXXX XXXX XXXX-acct# XXXX
Us dept of EDU/XXXX/XXXX-ACCT# XXXX  
* IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT #XXXX, XXXX, XXXX, & XXXX  HAS VIOLATED MY RIGHTS.

* 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY

*15 U.S.C 1681 SECTION 604A SECTION 2:IT ALSO STATES CONSUMER REPORTING AGENCY CANNOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had on ongoing problem with EXPERIAN and an account they have on my credit report. The account is XXXX XXXX XXXX # XXXX. I have, on 4 occasions, written them disputing this account and its validity. I have REPEATEDLY asked them ti send me ANY document with MY SIGNATURE on it authorizing this account. They have ignored all requests for this proof and just say information is " verified ''. 
Under the FCRA I'm entitled to see proof, my signature, that this account is valid and mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) XXXX XXXX bank Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$120.00} XXXX Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$450.00} XXXX Current Last Updated : XX/XX/XXXX 4. ) {$12000.00} IQ DATA INT Current Last Updated : XX/XX/XXXX 2022