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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. These accounts were added as a result of a data breach, and I am a victim of identity theft. Pursuant to XXXX XXXX. XXXX ( a ) and FCRA XXXX ( b ), I request that these accounts be removed from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I have been trying to change payment dates with Lending club for several months. I took out a personal loan in XX/XX/XXXX. I made on time direct deposit payments. I started a new job in a new state in XX/XX/XXXX and that move threw off both my pay dates and I winded up changing my bank account out of necessity which caused my direct payments to be off. I have called and sent a letter by certified mail ( XX/XX/XXXX ) to address this issue. They have refused to compromise in any way while reporting 30 days late SIX times since XX/XX/XXXX. 
Late payments XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late I have made payments each month trying to get back on track but I ca n't unless they make a payment arrangement to change the payment date. Now I am unable to get a new loan from someone else to erase the 30+ % interest rate that I didnt know that I had and start over and I cant start over with Lending Club . I dont know what else to do. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX U.S.C XXXX section XXXX A. XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX IL XXXX, Account # XXXX, has violated my rights. 


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not really certain that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting incorrect information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be removed.
Product: Prepaid card

American Express bluebird placed a restriction on my account and refused to remove it. I explained that my phone was disconnected due to not have a card so they locked my account and refused to let me send myself money to pick up so that I could get my phone back connected and pay my rent. They also are outsourcing and have people that you can not understand and dont care what your issue is. Theyre in another country why should they care. My issue still has not been resolved and they are still holding my money hostage.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, XXXX U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Experian reported to my bank, XXXX, a credit score of XXXX when in fact my credit score was XXXX at the time of reporting. The reporting of incorrect information had costed me a loss of {$10000.00} and a large decrease in my credit score.
Product: Credit card or prepaid card

This is a followup with my complaint about TD Bank. They have admitted to having a system wherein they accept larger pending payments on their overdraft accounts first and thereby make it more likely for many small payments such as coffee payments to slam customers such as 15 small purchases of say XXXX each or XXXX costing a customer about {$500.00} in overdraft by design rather than say {$35.00}. 

Being dishonest about account balances is another tactic used by TD such as withholding monthly fee charges from account balances and charging these fees at right time so that a customer with overdraft is charged hundreds for many small pending charges. Designed internally to maximize massively costly charges to people and even planned and timed to accomplish. 

Recently an executive named Ms XXXX XXXX and have not received information about where to send the fraud dispute for unauthorized use of my TD credit card in 2014. No cooperation, transparency, or good faith.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint has been submitted to the CFPB to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX block the fraudulent information on my consumer credit report within four business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : A personal credit card account opened with XXXX on XX/XX/XXXX A credit card account opened with XXXX  XXXX on XX/XX/XXXX A personal loan account opened with XXXX  on XXXX XXXX An auto loan opened with XXXX XXXX on XXXX XXXX A personal loan account opened with XXXX  on XX/XX/XXXX. 
a personal loan account opened with self XX/XX/XXXX an account with XXXX opened XX/XX/XXXX a collection account with contract callers opened XX/XX/XXXX a collection account with XXXX  opened XX/XX/XXXX a collection account with ic system opened XX/XX/XXXX These fraudulent accounts have led to several unauthorized hard inquiries and collection items appearing on my FICO credit report. I have attached a copy of my FICO credit report from XXXX that reflects these fraudulent accounts. 

I do not recognize any of the accounts, collections, or hard inquiries listed above, as they were not opened, initiated, or authorized by me. All these items are the result of identity theft and fraud. Enclosed is a copy of my FTC Identity Theft Criminal Complaint ( # XXXX & # XXXX ) as evidence from the Federal Trade Commission confirming that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information reporting on my credit report i am requesting investigation on, however, the credit bureaus have failed to respond in over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus has clearly neglect to provide me with an accurate credit report I submitted countless documents to proof my identity, I have been a victim and the past and present of identity thief, I have submitted valid police reports on these fraudulent accounts even contacting the creditors of these matter. Going as far as filing a FTC report as well on these matters. I have spoking to all XXXX credit bureaus about these fraudulent accounts and charges on my credit report collection account XXXX XXXX XXXX is fraudulent account {$1400.00}, faccount name XXXX XXXX fraudulent account charges {$1000.00}, XXXX XXXX XXXX XXXX fraudulent account and charges {$910.00} and {$1200.00} XXXX XXXX fraudulent account XXXX XXXX XXXX XXXXXXXX account is a inaccurate account ( this account is pay as agreed ) which documention was send to the bureaus., do to the credit bureau not updating my correct address, correct phone number and personal information has allowed these fraudulent accounts to damage my credit, the bureaus nor the creditors hasnt provide my accurate information, my personal information in my credit file is wrong, they have allowed these creditor to surpass the statue of limitations on these accounts, not verifying the accurate information I have provide to them. They have insist to report inaccurate address, phone numbers, emails, which I have provide documentation proof of residence and ID to proof, the creditor is wrongful accusing me of these fraudulent accounts Im the victim, thats providing proof, and has ask the bureaus countless times and send letters to delete these fraudulent accounts, they have allow the creditors to not provide information, verifying these fraud account not updated my credit with the accurate information by my request which I have clearly has provided a driver license and lived attorney documentation residence for over 20 years. I have show proof of fraud, and have substain damage to my credit report due to countless violations on the bureaus part by not providing me a accurate credit report poor investigation when documentation was provided to rid these fraud accounts,, the bureaus are in violation of 15 US code 1681 ( a ) and ( I ) 15 US code 1681 C-2 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) and ( 5 ) 15 US code 1681m ( c )
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX.
Product: Checking or savings account

I closed my check account on XX/XX/2023, US bank said they will send me a check # XXXX with {$3100.00} ( balance ) in 7-10 days. 
I did not receive the check. 
I need call them 10 times and waited 30 minutes per calling, agents did not know how to deal with. Then they asked me to do notary public to state of loss the check. 
In fact I did not receive it at all. US bank checked online and did cancel the check on XX/XX/2023. 
After I sent them notary public XX/XX/2023. They did not send me the check. 
I called again and again, they said we will send. 
However I did not get it at all as today, Note : I did not remember my XXXX XXXX XXXX is the check of US bank that said to be sent to me, but I did not get. 
They can find it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Someone tried to open a checking account in my name and put in over {$30000.00}. They used my information to open it.
Product: Debt collection

This is XXXX XXXX. XXXX. They call daily. They want an account number, which we do not have, and a SSN, which we will not give. We do not owe money anywhere, never have. They call so much that it now goes to XXXX. Thinking this is a scam of some sort.
Product: Mortgage

Wells Fargo Home Mortgage on XXXX XXXX, 2017 fraudulently charged me {$150.00} for two days of 3.8 % interest on a {$48000.00} principal balance. On XXXX XXXX, 2017 I paid Wells Fargo {$310.00} in interest covering the monthly interest cost. So two days of interest on {$48000.00} at 3.8 % a year is {$5.00} a day or about {$10.00}, not the {$150.00} billed by Wells Fargo Home Mortgage. Wells Fargo owes me {$140.00}. Thank you for investigating and helping to resolve. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my debt. I've tried to resolve this with the company without success.
Product: Credit reporting or other personal consumer reports

This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple unauthorized inquiries from " XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of my XXXX XXXX account, which was transferred to collections under the name of MRS BPO. This complaint involves multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically concerning the failure to report the collection account accurately, along with discrepancies on my credit reports. 

XXXX XXXX and the collection agency MRS BPO have failed to report the collection account accurately on my credit report. MRS BPO, which holds the collection account, does not appear at all on my credit report. This failure violates the FCRA, which mandates that accurate information must be reported to consumer reporting agencies.

Discrepancies and Inaccuracies on Credit Report : No Payment History Reported to XXXX and XXXX : There is no payment history reported to XXXX and XXXX for this collection account, which is a violation of the reporting standards under the FCRA. 

Inaccuracies in XXXX and XXXX XXXX : The original balance and current balance listed on my credit report for this account do not match. This discrepancy violates the FCRA requirement to report information accurately. 

Listed as Both Open and Closed Account : The account is being reported as both open and closed in different sections of my credit report. This conflicting information violates the accuracy standards set forth under the FCRA. 

Violation of FDCPA & FCRA : FDCPA Violation : Under the FDCPA, debt XXXX are required to report accurate information to the credit bureaus. The failure of XXXX and MRS BPO to report this collection account correctly may be considered a violation of the FDCPA.

FCRA Violation : Under the FCRA, all information reported to consumer reporting agencies must be accurate. XXXX and MRS BPO are in violation of these standards by failing to properly report the collection account, and by reporting inaccurate information such as the open/closed status, incorrect balances, and lack of payment history.

I have previously sent two letters requesting debt validation tXXXX XXXXXXXX at the addresses " XXXX XXXX XXXX XXXX, TX XXXX '' on XX/XX/XXXX which I never received a response from, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX '' on XX/XX/XXXX which was returned to me. This failure to respond also violates provisions under the FDCPA, which mandates that debt XXXX provide verification upon request.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 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