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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, and Equifax 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 accounts opened at XXXX XXXX XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, and credit card accounts opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, along with three unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent negative accounts 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, or hard inquiries as reported. The aforementioned accounts, 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 card or prepaid card

Barclay 's Bank on 3 separate occasions has reduced the credit limit on my Frontier Airlines Credit Card and XXXX XXXX Mastercard. I have never been late with them or any other card since carrying these. Their practice is predatory because all it does it look like on my credit report that I am not managing my cards with them correctly and that has a downstream effect on other lenders. In addition, by them reducing my credit limit it has a very impactful negative consequence on my credit report because it raises by debt-to-income ratio. This can not be legal! Credit card companies should not have free will to reduce consumers credit limits unless they have a valid reason ( late on this card or another, or did not follow the credit card holder rules/standards ). By doing this, they are ruining people 's credit profiles. Please step in and stop this. I have tried continuously to get them to reverse it and they give me the run-around. Need help!
Product: Credit card

I have not received purchased merchendise from the company " XXXX '' and disputed the charge ( dispute XXXX ). Amex sided with the merchant twice when the merchant only provided a blurry printout of a tracking number which didn't reach my house ( either it was a fake tracking number or it was stolen by the carrier ). I can't launch an internal carrier investigation since I'm not the shipper, only XXXX can do that but their support refused to help me. 
I provided a police report stating I haven't received anything but Amex still sent me the same denial with the exact same response from the merchant. I think they didn't read any appeals and just sided with the merchant by default. This company " XXXX '' is known for it's fraudulent practices of failing to fullfill orders and it's customer support is nonexistent so I don't understand Amex 's insistence to protect them. My police report can be viewed by visiting the XXXX County Sheriffs Office website below and entering my personal details ( XXXX XXXX, XXXX, XXXX XX/XX/1990 ) https : XXXX? XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX, and somebody has stollen my identity.
Product: Credit card or prepaid card

Date of Application XX/XX/2019 This letter is regarding account # XXXX, which Wells Fargo claim DENIED APPROVAL FOR CREDIT CARD. This is a formal notice that your claim is disputed. Allegation of late payment reported on credit file. XXXX Credit report have 1 delinquent payment that does not exist. Plain English ; The link stating late payment, when clicked comes-up 0 late payments.

Not enough credit cards accounts paid ; all credit cards are paid monthly ; on time.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX
Product: Money transfer, virtual currency, or money service

XXXX vetted me through underwriting and setup a bill payment service and a credit card with me and for my company. This included bank statements and an ID card. Over XXXX month after establishing it, they demanded corporate documents and froze all outgoing payments, after withdrawing them from my account. They are linked to my account and can see the balance, and I logged in so its validated. 

My business and I are now getting delinquent bill notices and late fees because payments are " on hold '' and they are holding my money without paying the bill they are assigned to pay.
Product: Credit card

I contacted Citibank about 58 charges made to my credit card account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These charges were made by a XXXX XXXX XXXX who DID NOT HAVE PERMISSION to use my card to purchase online games.

I communicated with Citibank through their online interface, through fax and phone starting XXXX XXXX  (when I first noticed the charges on my statement). (This wasn't a card that I used. I had the payment on auto-pay, paperless billing until the promotional balance was paid in full.)

Yesterday, XXXX from Citibank called to say that they were not honoring the dispute because I didn't make the dispute in time, I paid the balance of the charges in XXXX, and that I couldn't prove that my XXXX XXXX XXXX  made the charges without my permission. 

- I first disputed the transactions on XXXX XXXX and continued to attempt to communicate with Citibank agents. I was routinely passed to different departments who said I would need to contact different departments. One number that I was given was even disconnected.
- I paid the balance of the charges in XXXX because Citibank was not responding to my claim and they were continuing to charge my account interest.
- I did not give my child access to my account nor permission to use the card for XXXX, let along 58 charges totaling over XXXX dollars in just over one month.

There are 58 charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   for digital goods-games. I did not make these transactions to XXXX  nor did any authorized users on my account make these transactions.

I've tried on several occasions to communicate this issue to Citi including by fax. I would like these charges reversed and my account fully credited.

Transaction IDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally express my concerns regarding Zelle handling of disputes, particular in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial jinstitution and Zelle 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 finding XXXX 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 transparency is unacceptable and raise serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to remove account off credit report even after I've sent police report and identity theft affidavit and other documents including a letter. I explained to them that the account is mine but I'm not responsible for the charges that resulted in a charge off. They were unauthorized charges. They responded telling me they found no fraud and they won't remove it. I called to find out why it is they feel it wasn't fraud when I know it is and the investigator never called me back. This account must be removed. 
XXXX XXXXXXXX # XXXX account Yes I did pay it in full. I paid it only to get an immediate boost in my score. Then I began working on its removal. Keep the money just remove it please. It's interfering with me being able to get a car. The charges that resulted in the charge off were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent a complaint about non accurate reporting on my XXXX XXXX XXXX XXXX  account it has not been properly reported by the major credit bureaus under The Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) please update account with 100 % accurate information under the FCRA this is having a very negative impact on my credit. 


Experian, XXXX XXXX, XXXX I am Writing this letter in regard to some of the deficiency 's in my credit report. A credit report should have 100 % correct information and reporting and not be misleading to potential creditors. Some of these items in regards to my XXXX XXXX XXXX XXXX  account listed on my credit report as ( XXXX ) are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated. All monthly payments should be reported on time. Late Payments From XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX XXXX Should be updated as Paid on time. In XXXX XXXX  XXXX 2 Bureaus are reporting 30 Days Late the other is reporting on time this is not 100 % accurate. XXXX XXXX  XXXX 2 credit Bureaus are listing Late the other listed on time this also is not 100 % Accurate and needs to be updated to a on time paid status. Finally XX/XX/XXXX 2 agency 's have not reported and one shows 30 days late again this is in accurate information. Attached is my credit report from all 3 major Bureaus. Also the open date is not reported accurately 2 bureaus show an open date of XX/XX/XXXX and the other is reporting XX/XX/XXXX this as well is not 100 % accurate. In total With deficiency in the open date, Last Payment, Payment History, Original Payment and Monthly Updates there are 7 violations and misleading information that needs to be updated and corrected in total there is a max of XXXX in violations under the ( FCRA ). Under the FCRA if there is not 100 % correct information this information needs to be removed and updated 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Experian is not complying in Good Faith with the XX/XX/2018 Credit Freeze Law making the process so time consuming and manual, a consumer effectively " gives up ''. 

* Even though I have an Experian account, when attempting to place a freeze through my already verified account, Experian 's web application responds saying it can not freeze my credit. 

* Experian has removed all live support for their telephone numbers made public to consumers regarding credit freeze and instituted circular, non-freeze related topics for all available options. 

Thus Experian is not enabling credit freezes as per the Law and removed any support to report this issue through phone or web options.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are a result of identity theft and I have notified Experian already. 
XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX  accounts has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

Collection Agency PROCOLLECT  INC Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX XXXX Original Amount Owed {$2600.00} Creditor Classification Rental or Leasing Amount {$2600.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Contact PROCOLLECT INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some fraudulent inquiries appearing on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have presented Goldman Sachs Bank USA with disclosure of concerns pertaining the fraudulent use of my XXXX account. I have notified that I have been a victim of identity theft. Goldman Sachs has noted that I did not authorized the debit of my savings account in any form. 
The account was compromised and debits continue to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make debits to the account. 
I have presented my concerns once again to a XXXX, who did not address the concern of fraud and identity theft appropriately. I have requested that the monies that were debited from the account as a result of fraud be credited to the account. I have been able to regain online access to the account after requesting to have reset my username and password. I have presented the enclosed affidavits. There has been to this date no mitigation of losses. I request that you close the account as your poor practices have remain unable to support victims of identity theft and that you act appropriately conducting an investigation that considers the affidavits that I have been sent after your denial to my RegE claim. 


I request your understanding in resolving the unauthorized use of my information to request services and towards debits that I did not recognize. If you may offer the support that I need to resolve this matter, I would appreciate it greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My HOA started reporting dues to Equifax. Equifax is categorizing these HOA dues on my credit as a secured loan. Let me add, I am up to current and never have been behind on dues. However, I was recently denied a credit increase from a creditor citing one reason as Limited information about the credit on my Home Equity Line of Credit which I do not have. It is referencing my secured loan with my HOA dues. I attempted to dispute the entirety of this with Equifax and it would not allow me to, saying I could not dispute this. It finally allowed me to dispute one month as an incorrect loan categorization but will not permit me to dispute the loan classification as a whole.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that XXXX is reporting that I ow double of what I actually owe ( and is listed in my XXXX account ). I opened a dispute with Experian and uploaded a screenshot of my account with a balance. Experian sent me a message saying the dispute was completed and closed, however, nothing changed except a small update to each individual loan. The total balances are still listed as double. 

I messaged XXXX 's credit reporting agency with my credit report showing the doubled amount and asked them to please investigate why they are reporting I owe {$42000.00} when, clearly, my loan amounts only equal {$20000.00} ( as of this writing ). 

I have not head back from XXXX. 

This is severely affecting my credit score and is false reporting on XXXX 's part as well as Experian did nothing to remedy the dispute that was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

consistent and privacy, consistent with the coordinate provisions of sections 8-308,8-401,8-404 this section provides that a signature guarantor warrants at to fact at the time of signing. 1681 line 2 right to privacy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Transunion XXXX XXXX XXXX XXXX XXXX  XXXX capital XXXX acct # XXXX XXXX dollars XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  acct # XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. 
- Sent Letter XX/XX/2022 It is over 90Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Checking or savings account

On Tuesday, XX/XX/year> at XXXX XXXX, I received a phone call from which the caller ID showed Wells Fargo on it. They told me they are calling due to suspicious activity on my bank account. I had to stop working for a moment, as a phone call like this is alarming. The individual asked several questions regarding transactions, all of which I denied and had nothing to do with me. The person then tells me that for additional security reasons, they need to verify me. They proceed to text me a code ( text came thru as Wells Fargo ) - naturally I provided the code. Within XXXX seconds the call dropped. 
At no time did I provide ANY personal/sensitive information to this person. 
I called the Wells Fargo # back and it was a Wells Fargo recording. I checked my account online and everything seemed fine only to receive a notification - moments later - that I added someone to my XXXX recipients- which I didn't do - and just like that they went into my bank account and Zelled all my money out of my account to an unknown individual. 
I contacted Wells Fargo- thru the phone number on the back of my debit card- and they said this needed to be investigated and I will be called within XXXX. 
It is Thursday, XX/XX/year> and I had nothing received a peep from Wells Fargo. I took my morning off of work to physically go to the bank and address the situation. 
A kind man provided me assistance and after over an hour on the phone and attempting to figure things out - I STILL HAVE NO MONEY & MORE IMPORTANTLY STILL HAVE NO UNDERSTANDING HOW SOMEONE GOT INTO MY PERSONAL ONLINE ACCOUNT AND TOOK ALL OF MY MONEY. 

How could this have been so easy? How do they have a Wells Fargo number to call me from and lead me to believe that it is Wells Fargo? How did the number they called me from have a Wells Fargo recording ( see XXXX pic )? How do the text messages they sent me come from a Wells Fargo number- where I have received other legitimate Wells Fargo messages from ( see third pic )? HOW CAN A MAJOR FINANCIAL INSTITUTION - who I trust with my money- NOT HAVE A WAY TO PREVENT THIS FROM BEING SO EASY? Moving forward, how will I ever know if I see a call from Wells Fargo, that it is actually Wells Fargo??? 

I have been a loyal customer of Wells Fargo for less than a year. I had all of my banking with XXXX bank for well over a decade. I never ONCE had anything like this happen to me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this dispute regarding inaccurate information being reported by XXXX and TransUnion on my credit reports. These agencies are currently reporting a bankruptcy as a voluntary dismissal ; however, this case was dismissed in federal court as of XX/XX/year>, and should no longer appear on my credit file as it is irrelevant and outdated. 

Under the Fair Credit Reporting Act ( FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information reported. The continued reporting of this dismissed bankruptcy violates this law, as the information is misleading and harmful. 

Furthermore, FCRA 611 [ 15 U.S.C. 1681i ] states that credit reporting agencies must investigate disputed information and remove or correct inaccurate or incomplete entries. The dismissed bankruptcy no longer holds any legal or financial relevance and should be removed in its entirety from my credit reports. 

This false and outdated reporting has caused significant harm to my creditworthiness and ability to access financial opportunities. I request the immediate removal of the dismissed bankruptcy to prevent further inconvenience and inaccuracies. 

I am providing the following supporting documents : A copy of the dismissal order dated XX/XX/year>, from the federal court. 
Recent credit reports from XXXX and TransUnion showing the inaccurate bankruptcy listing. 
I respectfully request that the CFPB ensure XXXX and TransUnion comply with the FCRA by removing this dismissed bankruptcy. I look forward to confirmation of its removal or further instructions within 30 days.
Product: Vehicle loan or lease

So something happened with my motor and I reached out to let them no what is going on and why I have not made no payment so after while they charged it off on my credit but I still have the vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have violated my rights of privacy. I did not give written consent to these companies... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX