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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

To Whom This May Concern : I appreciate Dovenmulhe Mortgage fixing my credit. After months of hardship that you all caused. This situation is completely unacceptable and the strain and stress you all have put me through mentally and financially is actually INSANE. From XXXX to XXXX the financial strain yall put me through is absolutely wrong. Nearly 5 months without any form of assistance that I was told would only take 30 days. I literally was spread so thin I had to run up my credit cards to try to find a way to make payments, let go of other bills, and sometimes didnt even know where my next meal was coming from because of the financial strain y'all put me through for a process that was so long ( and was supposed to take only 30 days ) that I HAD TO FOLLOW UP ON. absolutely no one followed up or through with me ( OR TOLD ME THE TRUTH ) which says a lot about yalls company. The stress y'all put me through made me PHYSCIALLY and mentally sick. The mind games y'all play is sick and the fact that I had to go to the CFPB or XXXX to make it right after begging y'all to make it right is unacceptable. Then come XXXX I was looking at other options to use my credit ( CAR and was thinking about moving to an apartment ) and y'all shot my credit SO bad I literally could not use my credit for necessities and things I needed to take a loan out for and y'all severely impeded on that. Making it right on my credit is merely not enough because it should have never been a problem to begin with. Y'all put me through so much from even the start of my application and to the credit issues, and i feel I need to be compensated fairly for the stress and mental/financial suffering that y'all put me through for the months of XXXX through XXXX as again I was following up and begging you guys to make it right and you just didn't ... additionally i am not the only one who has been in this exact situation and you all completely dismissed them until it was escalated here or to the XXXX I am asking y'all to do the right thing and compensate me for the hardship you all put me through OVER the unemployment hardship I was experiencing and the strain on my credit that literally impacted descisions of other creditors. Again some form of compensation will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  please remove this XXXX inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  Experian Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

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

pon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing
Product: Checking or savings account

Hello I deposited two checks from my boss to my Chase bank account- {$550.00} on XX/XX/2023 & {$420.00} on XX/XX/2023 Chase bank never gave me my checks and closed my account and kept my money Chase was unable to verify the check even though these are real checks My boss XXXX XXXX went into Chase Bank XXXX XXXX on assembly row and spoke to the manager XXXX XXXX XXXX showed his ID and information to prove that the check was real and Chase bank didnt accept it because they dont have XXXX  phone number in their system but the phone number they have is the wrong one.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a Goodwill letter to the CEO of Capital One asking for a late payment on XX/XX/XXXX to be forgiven. In this email I did explain my family had been impact by Hurricane Harvey and I had been traveling back and forth. I was so focused on my family at the time that my payment had slipped my mine. I was no more then 30days late. I was also having problems at the time with the app and being reminded through the app about my payment due date. I spoke with XXXX on XX/XX/XXXX and she advised me they had received my email and wanted to see what had happened at the time my payment was missed. I explained to her my story and she told me she would get back with me. On XX/XX/XXXXI spoke with XXXX again and she told me there was nothing Capital One could do to change how my XX/XX/XXXX payment was reporting to the Credit Breaus. I asked XXXX to relook into their decision. I also sent a Goodwill letter certified on XX/XX/XXXX.  I have been a valued customer of Capital One and this is my 1st missed payment. I also advised on the email that I am in the process of trying to get a mortgage and this one late  payment on my credit is affect me getting a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian furnished information on my credit report without Permissible Purposed this is a direct violation of federal law Pursuant to 15 USC XXXX681b Permissible Purpose of consumer reports.
Product: Credit card or prepaid card

I was assessed an annual fee of {$160.00} by American Express for my credit card on XX/XX/XXXX. This fee is valid for charges fromXX/XX/XXXXto XX/XX/XXXX. I cancelled this card on XX/XX/XXXX and requested a partial refund ( 11 months XXXX of the fee. American Express refused to refund the fee and said that I had to request the refund within 30 days of the assessed annual fee. That means that they are charging me for a service that I am not receiving. Is this legal? I asked them to refund {$140.00} which shows a reduction from the {$160.00} for the month of XXXX. I would like them to refund {$140.00}. I have documentation of our discussion.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues 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 that 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I WOULD LIKE TO EMPHASIZE THAT THESE ACCOUNTS WERE, IN FACT, PAID IN FULL!! Upon reviewing my records, it is clear that the accounts were paid in full, and there is no basis for the " settled '' status. Furthermore, I would like to bring to your attention that I have recently communicated with the respective bank, and they have acknowledged the error on their part. In light of this acknowledgment, they have agreed to DELETE this inaccurate information from their records in order to avoid any legal action. 
XXXX XXXX XXXXXXXX XXXX THE ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
XXXX XXXX XXXX THE ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
I kindly request that you promptly investigate this matter and make the necessary corrections to my credit report by removing the inaccurate " settled '' status. I expect this dispute to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ) within the 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The listed number XXXX. Is pretending to be a cash payment app VENMO. trying to get log in codes from people to scam them out of money. Needs investigated.
Product: Money transfer, virtual currency, or money service

I called for the first time ever to complain about me sending money to a someone that was selling me shoes and the shoes ended up being fake I called an said I gave the person the items back and the person did not return my money they said they would look into it and 2 days later which was super weird they decided it wasnt a scam Ive been with cash app for over 5 years and its happened before but never for a big amount so I never decided to call and when it did they were no help they were rude seemed agitated bc they were making no sense to me on how they would resolve the issue and they resolved it by just sending me an email saying that they found no problem when I clearly requested the money back I dont think that if youve never once filed a complaint and when you do after so many years they would actually take the time to revise everything and analyze it to its fullest .. ( CASH APP )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text telling me {$1400.00} was taken out of our XXXX account. They asked for verifying information including social security number and DOB. They were able to send me alerts via the text function from XXXXTruist and had us verify our name and password and then told us we would get a link to reset it, which never happened because it turns out they were the scammers On XX/XX/XXXX my husband and I reached out to Truist bank and saw a XXXX dollar charge from XXXX that was made on XX/XX/XXXX. We froze our account and filed a claim against the XXXX transaction to get a refund and were told not to hold our breath on getting refunded.
Product: Checking or savings account

In XXXX Citibank failed to send me a replacement when my debit card expired. This meant that I lost online access to my account. 

In XXXX XXXX I called many times to request a replacement debit card. They promised many times but it never came. Finally they told me to write in to their bank by mail department : I did so in XX/XX/XXXX but they never sent the card. So I contacted their executive support team through the XXXX XXXX XXXX First they got their security team to send me a letter to confirm my address : funny since my address has not changed in more than ten years. Then, in XX/XX/XXXX, they said they were sending the card by courier, but the courier never contacted me and the card was never delivered. The executive team then said that maybe I had given the wrong address! I replied that this was impossible and that I had verified the address with their security people, and it was the same address they had always had for ten years. They never replied. 

So I have been to a lot of trouble and have been denied access to my account balance of US {$1000.00} for more than two years. I want some compensation for this, and I also want access to my money. 

The latest, they have changed their charging policy and want to start charging fees for this non-service! ( Up to now there have been no fees on accounts with a balance of US {$1000.00}. ) They should not be allowed to charge any fees for an account that they do not allow me to operate. 

Their XXXX
Product: Credit card or prepaid card

On XX/XX/2022, my chase credit card was charged {$730.00} by XXXX XXXX. The charges were for an XXXX with the fast ship option selected. My credit card was manually keyed in, according to chase and the XXXX was sent to an unknown address of XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 


I have tried resolving the dispute with chase but did not have luck. According to their research, XXXX was billed to or shipped to my address. I called both chase and XXXX XXXX immediately once the transaction went though to report the fraud and to cancel the order. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I reached out several times to credit bureaus and the companies to resolve the issues. After all the letters and calls they refuse to honor my demands.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX adding on the complaint from previous dispute ftc and police report was sent have them remove the violation
Product: Debt collection

In early XXXX I attempted to create a XXXX account for internet. When the XXXX representative came to my house, he told me XXXX XXXX was impossible in my residence, and they would notify me if/when the XXXX was possible. 

At that point I did not have a XXXX account I could access. When attempted I was confronted with account unavailable, and will be available when you purchase a service. 

Months later, I received a collections letter from a company stating it was attempting to recover a debt to XXXX. 

This letter was neither sent to my residence, nor emailed. Instead it was sent to my parents residence. Which was not the residence of the requested XXXX  service. 

I became aware of the collections when I was notified my credit had been brought down XXXX points, I decided to investigate. I contacted the company recovering the debt, and we ended the conversation saying they would look into it, and get back to me. They never got back to me, and within a week my credit had recovered to above 700 where it was previous to the fraudulent collection. 

In XXXX XXXX XXXX, I recorded a second collections letter claiming they were attempting to recover a debt for XXXX, for over XXXX $ of what the initial service was supposed to cost, due to interest and fees. 

Given this matter was resolved and XXXX itself refuses to speak to me on the matter. I have decided to take this step to resolve this once and for all.
Product: Consumer Loan

My name is XXXX XXXX and I 'm having trouble with Sychrony financial as far as my credit goes I have always made my payments on time maybe a couple days late but never exceed the 30 day limit however this bank has been destroying my good credit history by adding 30 day past due limits which I have never done as well as increasing my due balance which I was close to pay off and they increased my balance to more than double I reported them to the XXXX when this occurred they were obligated to putt my balance back to the usual immediately however this resulted in a decrease over more than XXXX points for some reason they have been damaging my credit drastically since I 've been with them I 'm seeking help to restore my points that have been taken away for no reasonable explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency Experian refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " 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 instructions of the consumer to whom it relates. '' I have submitted written instructions to Experian on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. Experian has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how Experian is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can Experian explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and Experian is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, XXXX and XXXX are XXXX reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to Experian but have yet to receive a response. Please find all proof attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. SOMEOE HAS STOLEN MY INFORMATION AND OPENED SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE.