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

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX. And hard inquiries that include : 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. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report lists an active installment account with ACS/XXXX  for {$23000.00}. My account was transferred to XXXX, in which I paid off the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

Amex complaint XXXX ID # XXXX is the culmination of several weeks of website inadequacies. The first and most salient deficiency is Amexs online failure to populate my credit card activity. Each charge is obscured by a red error message. Please see two attachments as follows : XX/XX/XXXX screenshot which is embedded in my email to Amex to alert Amex to the error code. 
Todays screenshot to show the problem persists. 

How can a consumer verify if his charges are accurate or fraudulent if the activity does not even populate? 

Second, I see an AMEX website that needs overhaul. For example, instead of loading the advertisements, offers, and inducements, I simply want a clean page of card activity. Third, specifically, online I need the new outstanding total next to each charge. To clarify this ongoing request, I am attaching a third document ( i.e., example for Amex rolling summary for each charge ) from a different financial institution. Please note how the XX/XX/XXXX charge for XXXX at the top increased the total balance from XXXX to XXXX. 

I am disappointed that such user-friendly running tabulation is not standard protocol across all credit card websites nationally. I endorse it and request the change to occur with immediate effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A XXXX XXXX  BANKRUPTCY AND HAS BEEN DISCHARGED, ALSO FILED A TOTAL DISABILITY CLAIM AND HAS BEEN ACCEPTED AND APPROVED. I HAVED SUPPLIED ALL THE DOCUMENTS TO SUPPORT MY INFORMATION, THEREFORE THERE SHOULD NOT BE A BALANCE ON MY REPORT. I ALSO ATTENDED THE UNIVERSITY XXXX XXXX XXXX
Product: Credit card or prepaid card

Below is the main body of the letter that I sent to American Express ( regarding the account ending XXXX ) on XX/XX/XXXX ; I have received no response from AMEX and have subsequently been hit with {$28.00} late fee. 

On XX/XX/XXXX I ordered 2 tickets for my wife & I on XXXX XXXX flying from XXXX to XXXX on Monday XX/XX/XXXX at a cost {$410.00}. I used our AMEX points to pay for those tickets. 

On the same date, AMEX travel charged an additional 168 tickets on the exact same flight at the exact same rate ( {$410.00} ), then simultaneously credited my account for 141 tickets at the same price ( {$410.00} ) such that I suddenly had a net charge of {$11000.00} for 27 tickets I did not order, tickets that were never issued, and tickets that were never used. 

After multiple phone calls, and two letters the following transactions/events occurred in my account : - On XX/XX/XXXX my account was credited with an airline refund of {$330.00} for ten ( 10 ) of the twenty-seven ( 27 ) tickets ; those credits were {$75.00} less than the charge associated with each of the tickets, for a total shortfall of {$750.00} for those XXXX tickets. 
- On XX/XX/XXXX my account received a {$750.00} credit from the AMEX travel agency ; I would assume that was meant to cover {$75.00} per ticket credit short fall from the airline. 
- On XX/XX/XXXX my account was credited with additional airline refunds of {$330.00} for the other XXXX ( 17 ) tickets ; those credits were also {$75.00} less than the charge associated with each of the XXXX tickets, for a total shortfall ( charge to the account ) of {$1200.00}. 
- There was no subsequent AMEX Travel Agency credit to offset the shortfall associated with the 17 credits. 
- In XXXX, after sending my first letter XXXX dated XX/XX/XXXX ) AMEXs Fraud Department issued me credits for the 27 tickets that I never bought at the {$410.00} price that aggregated to a total credit of {$11000.00} ; those credits along with the just mentioned shortfall of {$1200.00} resulted in my account showing ( incredulously ) a credit balance of {$9900.00}. 
- My second letter, explaining that there should be no credit balance, dated XX/XX/XXXX, resulting in the Fraud Department reversing all 27 credits for a net charge of {$11000.00}. 
- The net result of all these adjustments/transactions is that my account is showing a balance due of {$1200.00} XXXX which equals the shortfall associated with the 17 tickets that received the {$330.00} credits on XX/XX/XXXX ). 

That balance is wrong ; it is associated with tickets I never ordered or bought. The balance on my account should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Debt collection

On XXXX XXXX, 2018, a letter for debt validation was submitted to the company, ProCollect, asking the company to submit the proper documentation to state that I am legally obligated to pay the amount of XXXX. A letter was returned to me from ProCollect stating that their client contends that this is a true and valid debt and supplied me with a copy of a rent ledger as supposed proof of this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX PH : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Debt Validation Request for Account # [ Account Number ] Dear, XXXX XXXX XXXX XXXX I am writing regarding a notice I received concerning an alleged debt in the amount of {$350.00} associated with my account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide full validation of this debt. 

Please supply the following information : 1. The name and address of the original creditor.

2. A detailed accounting of the alleged debt, including the amount and how it was calculated.

3. Copies of any agreement that you claim I have signed or that shows I am obligated to pay this debt.

4. Verification of your legal right to collect this debt on behalf of the original creditor. 

While this information is being investigated and verified, I request that you cease any and all collection activities related to this matter. Additionally, please do not report this debt to any credit reporting agency until it has been properly validated. 

I would appreciate your prompt attention to this matter and request that you respond within 30 days, as required by law. Failure to provide adequate validation of this debt will result in my exercising my rights under the FDCPA to dispute this debt. 

Thank you for your attention to this request. Please send your response to the address listed above. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My Nordstrom account were I make purchases still has the previous Nordstrom credit card attached to it. The Nordstrom credit card was fraudulently used and stolen back in 2017. I never used the credit card. I sent police reports to Nordstrom and TD bank to resolve the matter.
Product: Credit reporting 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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : ( ACCOUNT NAMES & NUMBERS ) XXXX XXXXXXXX CHILD SUPPORT ENFORCEM XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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 item of information, other than records of convictions of crimes, 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. Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

- XXXX Obtained XXXX XXXX loan in XXXX for XXXX school in XXXX- Service transferred to Navient in XX/XX/XXXX and defaulted upon receipt- Approximately {$4800.00} has been paid toward this debt- No correspondence received from Navient- I called Navient on XX/XX/XXXX to inquire about resolution of this account. I was connected to " XXXX '' employee ID XXXX. XXXX Efforts to resolve have been answered with, " we will not do business with you. '' " There is nothing to resolve. " - These responses were given without any offer for resolution. I merely said I was trying to resolve the matter- my requests to be connected to a supervisor were refused- XXXX gave me a number to call, upon inquiry of who the number was for i.e in the company or not, XXXX told me he could not provide that information- Navient is reporting additional amounts on credit report despite their representations that there is " nothing to resolve. " - Have received calls from unidentifiable/unsearchable numbers without voicemails. Nothing received in writing for collections. *Given the frequent nature of these calls and this being the only account with my current number I am assuming these calls are related to this debt
Product: Credit reporting or other personal consumer reports

I have disputed this account several times. Even with the CFPB. I got a letter stating that this account was no longer on my report. Its still on my report and its reporting open. The letter says this account was charged off so it shouldnt be reporting every month. They are reporting that the account was open XX/XX/XXXX but sent a response to the XXXX  it was opened XX/XX/XXXX. The amount is different on my report than in the letters as well. They only sent me a copy of payments from XXXX. The signature on the contract isnt mine. This account needs to be removed for all the inaccuracies on my report and the letters that they send. This is a clear violation under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORTS. THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - XXXX in case of disputed accuracy Dates on accounts are showing inconsistent information and many inaccuracies. 
Dtae opened balance XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcies eported by XXXX XXXX and not original furnisher XXXX  XXXX Bankruptcy inccorect name of company XXXX SSA/OFFICE OF FINANC different account number DELETE UN Verfied information Fcra states the first party has to report information on consumer credit profile accurately DELETE due to inaccuraties and unverfied information
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Report Number : XXXX I am writing to inform you that TRANSUNION has committed several violations under 15 U.S. Code 1681n and 15 U.S. Code 1681o, which are the civil liability and administrative enforcement provisions of the Fair Credit Reporting Act ( FCRA ), respectively. The FCRA imposes requirements on consumer reporting agencies ( CRAs ) to ensure the accuracy and fairness of credit reports. TRANSUNION has violated the following provisions of the FCRA : XXXX.Failing to follow reasonable procedures to ensure the accuracy of a consumer 's credit report - TRANSUNION failed to take reasonable steps to ensure the accuracy of my credit report. Specifically, reporting inaccurate fraudulent accounts with-out verifying the information from, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX 2.Failing to conduct a reasonable investigation of a consumer dispute regarding the accuracy of their consumer report - Disputed the inaccurate information with TRANSUNION, but TRANSUNION failed to conduct a reasonable investigation of the dispute. 
XXXXAdditionally, I ( REQUESTED PROOF ) please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

TRANSUNION FAILED TO COMPLY WITH THE LAW MY LEGAL RIGHTS HAVE BEEN VIOLATED. THEY HAVE BROKEN THE LAW AN THERE SHOULD BE FINANICAL PAYMENT CASHERS CHECK MAILED TO MY DELIVERABLE ADDRESS
Product: Mortgage

We applied for a mortgage with USbank on XX/XX/XXXX. As of XX/XX/XXXX they had not approved the mortgage. We recieved a letter on XX/XX/XXXX stating " During the processing of your residential mortgage loan application, one or more elements have changed. '' The change was that they were going to charge us a fee of {$960.00} for a rate lock extension. We have done everything possible to expidite this loan, including providing litterly hundreds of documents. We had to take a short term bridge loan at a very high rate while wating for the mortgage approval. We withdrew our application yesterday. Our credit has been harmed, interest rates have increased and we are forced to begin the loan process anew. This has been a taxing experience and should not have happened.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution PNC and XXXX failed to investigate my claims adequately. They informed me that they would be denying to recover lost funds.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and seen fraudulent accounts on my credit please remove these accounts as they are hurting my ability to obtain good credit
Product: Debt collection

I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

I was not sent any validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not recognized by me nor have I requested services, obtained services, or opened any accounts from the following creditors. I'VE ASKED THAT THEY VERIFIED PROPERLY BY PRESENTING MY IDENTIFICATION AND SIGNATURE OR REMOVED IMMEDIATELY AND I HAVEN'T HAD ANY SUCCESS. XXXX XXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX   XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon me revieiwing my credit reports on XX/XX/year>, i notice accounts and inquiries that were not mine also address.
Product: Credit card or prepaid card

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XXXX XXXX, added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection.. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its yours. According to the FCRA, Mead & Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I have been making payments on time one payment I made the day of the last payment date that I could make it before it was more then 30 days past due. The company posted the payment late even thought I made the payment before the cut of time and day. I called the company and they were rude and did not want to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. An account for XXXX showed up on my credit report. I did not open, authorize or use this account. I contacted XXXX and was told to contact XXXX  XXXX  as they now handled the debt. I contacted XXXX through the CFPB and received a response indicating they investigated my claim and have ceased collection efforts on the account. On my credit report XXXX is still reporting this debt. I am disputing this debt and requesting its immediate removal. I have attached a copy of the full complaint filed against XXXX  XXXX  regarding this debt, including their response indicating their decision to stop collecting this debt due to identity theft. Please note that due to file size I was unable to upload the document directly to credit bureaus website and thus had to use the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently checked my credit on XX/XX/XXXX and I noticed some unauthorized accounts on there. I believe someone has gotten a hold to my information and has been using it for some time now. There is an account with XXXX # XXXX opened XXXX XXXX for {$440.00} ; An account with XXXX XXXX # XXXX opened XXXX XXXX for {$670.00} ; XXXX XXXX # XXXX opened XXXX XXXX for {$160.00} ; XXXX # XXXX opened XXXX XXXX ; There are 7 accounts with XXXX XXXX which looks like its a collection agency for XXXX or XXXX XXXX XXXX XXXX # XXXX for various amounts {$1900.00}. {$710.00}. {$670.00}. {$460.00}. {$460.00}. {$160.00}. & {$34.00} ; There are also numerous inquiries that were made without my permission XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX  XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. I in no way gave anyone person to use any of my information to open up or inquire about these accounts that are on my credit report