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

XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX last XXXX SSN # XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX CFPB, FTC, and Equifax EQUIFAX continue to ignore FCRA and violate my consumer 's federal protected rights. I filed a complaint on XX/XX/XXXX, Complaint Number # XXXX with CFPB. 

Account Name : XXXX XXXX XXXX Account Number # : XXXX " Equifax response that this account was a NON-REPORTING DISPUTES Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. '' Equifax lied and violated FCRA. Evidence : ( see Exhibit XXXX ( CFPB complaint ) and ( see Exhibit XXXX ) A Copy of Annual Credit Report -Consumer Report. Equifax also re-aged the account DOFD : XX/XX/XXXX ( see Exhibit B Highlighted DOFD.

Immediate deletion and monetary damages up to a {$1000.00} per violations. Requesting {$4000.00} As you can see Equifax clear violated my federal protected rights.

FCRA violations four or more. Each of these inaccuracies has negatively impacted my credit score and caused undue stress and inconvenience. Under the FCRA, I am entitled to monetary damages of up to {$1000.00} per violation. Given the four distinct inaccuracies reported, I am requesting a total of {$4000.00} in damages.

I have attached copies of all relevant documentation, including my communications with Equifax and any responses received, to support my claim. I expect a prompt response and resolution to this matter. Should Equifax fail to comply with these requests, I am prepared to escalate the matter further, including seeking legal recourse. 
Send an update consumer report after you have deleted this account. 
XXXX XXXX
Product: Credit card

Early XXXX I applied for a Chase United CC, after several rounds of being vetted, spoken to several fraud department specialist, my CC was finally approved. I was never informed why I was required so much investigation or what triggered my account to be verified as much as they did. Anyhow I used to account and I had no issues until I applied for a Chase Business checking account XX/XX/XXXX. I was notified by Chase that my relationship with Chase had terminated after a checking account was opened and closed XX/XX/XXXX. This was my first time ever hearing about a such account. The representative on the phone asked me to go to a local branch and have someone verify me and provide proof that I have never banked with Chase. I visited a local branch XX/XX/XXXX and the branch manager advised me that everything is done over the phone and she connected me to a fraud representative. She stated the representative over the phone did not provide me with the correct information and I had essentially wasted my time. Chase did not provide me with any additional information as to the checking account that was opened other than the wrong address and wrong name that was used to open the account online. They stated my credit card was being revoked because my relationship with Chase was being terminated. They are punishing me for an account I never opened and should have been brought up during the application process that took months for approval.
Product: Credit reporting or other personal consumer reports

Nelnet has put inaccurate Fraudulent information on XXXX, XXXX XXXX credit reports and have not removed them after I disputed them countless times I never agreed to pay them anything I never opened up an account with them and I never used their account that's posted on my reports They have websites that track or store or share way too much of our information without our consent or knowledge and don't have a way for US to have more control so no they are asking way too much and then they have Data Breach lawsuit and have been accused of posting inaccurate incomplete or Fraudulent accounts on people 's credit reports I won't them to STOP and Remove Themselves from my credit report not to post on my credit reports any more Just because these Data Bases share Our Social Security Numbers or Names and Address with each other or sell it without our consent or knowledge it doesn't mean We should have to suffer with the rejection these post cause us to end up with for rent Mortgage and what ever
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$560.00} Upon reviewing my credit report, I came across an entry that I do not recognize and have no affiliation with. This unfamiliar entry raises serious concerns about the potential for fraudulent activity or identity theft impacting my credit history and financial well-being. 

As a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the steps necessary to address inaccuracies and fraudulent accounts on my credit report. According to the FCRA, consumers have the right to dispute unrecognized items within a specific timeframe. 

I kindly request that you initiate a thorough investigation into this matter and provide me with the results of your investigation in writing. If you find any evidence of fraudulent activity or identity theft associated with the aforementioned entry, I urge you to take immediate action to remove it from my credit report and ensure that it does not negatively impact my creditworthiness.
Product: Credit reporting 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 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: Debt collection

Company inserted a debt on my credit reports from  XXXX    XXXX   XXXX   without sending a dunning letter. That is a violation of the FDCPA. Portfolio Recovery has also ran my credit without my permission which is illegal.   XXXX  I DO NOT HAVE A CONTRACT with Portfolio Recovery. They have also inserted  XXXX   XXXX   XXXX  items on my credit reports.
Product: Payday loan, title loan, or personal loan

I opened a Grain account roughly a year ago. It is a digital line of credit. Grain approved my account with a {$1000.00} credit line which I have always paid on time. Over the course of my relationship with Grain, they have locked me out of my account on multiple occasions forcing me to " reverify my identity '' over 6 times in one year. 

The most recent time they asked me to verify my identify, they closed my account stating that they could not verify me - offering no explanation as to why. I did my own research and realized my identification now showed my new last name, as I had gotten married, and my account still showed my maiden name. I sent Grain an email asking if I could attempt to reverify again, but they said ( after nearly 2 months of no response, with me being locked out of my account the ENTIRE time ) there was nothing they could do and the decision to close my account was final. 
I am basically being forced to lose a line of credit which will be a detriment to my credit score all because I got married and they somehow think that means I have turned into an entirely different person, and that I am not the person who originally applied for this account. It makes no sense at all for them to lock me out of my account for this reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22, dispute of inaccurate amounts owed, no action taken by companies accounts should show closed on All credit card / vendor accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 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.
Product: Debt collection

To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$1400.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Vehicle loan or lease

I had a lease with Chase Auto Finance that had 5 payments remaining for a total of {$1300.00}, or thereabouts. I purchased a new vehicle and the new dealership agreed to pay the {$1300.00} that was due ( {$260.00} x 5 = XXXX ). Upon the dealership sending payment, which was a few weeks late as they had the wrong address, Chase Auto called me and said I had a balance remaining of {$350.00} due to issues with the vehicle. I requested a formal dispute as the dealer ( XXXX XXXX ) that I leased the car from and was also the dealer I delivered the car to failed to inspect the vehicle while i was there. After showing up at my appointment time to drop the car off and have it inspected ; once the sales person realized i wasn't purchasing/leasing another vehicle he ignored me and after 1.5 hours i left the dealer. My goal in disputing with Chase was so i could reach out to the dealer to see why they had claimed that the returned car had defects, which i contest didn't have. Chase Auto Finance never allotted me the time and charged off my account and now says I owe {$540.00}, even though its not accruing interest or fees. With me being someone who has several car loans/leases through Chase over the course of 10 years ; never missing a payment, I felt they would honor my dispute request. Since the account has been in collections, I have called over 15 times trying to get through to my " Account Specialist '' XXXX at extension XXXX. She never answers her phone, even though I have left over 10 messages. No one else in the recovery department is allegedly allowed to speak to em about the account. They say I need to speak to XXXX. Once representative told me shes been in and out of the office recently and has been trying to play catch up. I even tried to call and pay the {$540.00} to protect my credit and they said they can not accept payment. 

They have negatively affected my credit with their negligent business practices, as my credit reflects a charged off balance of {$540.00}. I feel Chase has wronged me because they didn't give me any options to dispute the balance, even when I made a legitimate claim and they also didn't give me a chance to try and save it by paying, even though i disagreed with the charges. I am asking for my credit to be fixed and the ability to dispute the charge. I will even pay the charge until the the outcome of the dispute is determined. If its determined that i was right, then they can reimburse me.
Product: Credit card or prepaid card

I have previously reported this problem and the company 53rd responded that their investigation indicated that I did make the charge of {$36.00}. I deny this. I DID NOT MAKE THIS CHARGE. My account was hacked which they admit and closed my account. Furthermore my limit was {$21000.00} so how would they bank let me charge that much over the credit limit. There is no security camera showing me do this nor is there any document thety can produce that I signed for those funds. Why? BECAUSE I DID NOT EXECUTE THOSE TRANSACTIONS NOR WILL I ACCEPT RESPONSIBILITY FOR IT. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # [ XXXX ] I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a XXXX debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. 
This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully inve stig late this att er nd receive inform related ereto. 
Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, clients name did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15.

Unless your consumer reporting agency is able to provide me, clients name who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for the creditors response before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are being disputed, especially since I, the consumer DID NOT request for these accounts to be disputed, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15. 

The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF ED Account # : XXXX XXXX Account # : XXXX
Product: Mortgage

XXXX XXXX XXXX sold my loan to Carrington Mortgage in XXXX XXXX. I was told by XXXX XXXX XXXX that everything that was in place with XXXX XXXX XXXX would be honored by Carrington once the loan was sold. After the transfer to Carrington I was told that Carrington did not honor everything that XXXX XXXX XXXX told me. I was in a loan modification at the time in which i was completing my 6 years without missing any payments and had to call XXXX to help make XXXX honor my loan modification. XXXX XXXX XXXX told me that I would be entitled to a RECAST by my consular XXXX XXXX XXXX after my six year and Carrington told me the would not honor that.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I am hereby formally opting out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have granted to TransUnion or any affiliated entities to share my personal and financial information. This opt-out is made pursuant to 15 U.S.C. 6802.

Specifically, I am opting out of the sharing of the following information : XXXX XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX ( Account Number : XXXX )
Product: Credit card or prepaid card

Capital Quicksilver One Credit Card is a fraud. The company lied on the phone about payments and then they charge internet fees. They told me to send information to a credit number and it was not correct. They proceeded to charge me interest despite paying my balance in full. They charged me fees multiple times and when I asked them why, they said fees are charged daily even though I paid it off. Upon closing my account, their system was conveniently down and they didnt issue my rewards. They said they would send me a check and that did not happen due to technical difficulties on their end. The same difficulties that led to over {$300.00} in fees. They are stealing consumer money. The calls are recorded and their foreign employees are giving wrong information on payments then theyre refusing to fix the error.
Product: Checking or savings account

XXXX was withdrawn out my checking account!!!! I did not make any transactions.
Product: Mortgage

In XX/XX/XXXX made a large payment to Chase {$95000.00} on my home mortgage loan. When I received the statement from Chase for my XX/XX/XXXX payment I immediately noticed that all of the figures were wrong. In the past when I made more than the minimum payment it was always applied to the principal. This time my payment was divided up into XXXX parts and not all of it was applied to my loan. I do not understand why the amount in excess of my required payment was not applied to the principal this time. I contacted Chase and they could not explain why it was not applied and why some of the money was put into an unapplied fund and why most of these figures are wrong. I went to a Chase bank in XXXX and they printed out the transaction history for me, but they could not explain why this money was handled so strangely. They did not know anything about an unapplied fund. In the transaction history the figures in the third row down from the top shows a payment on XX/XX/2016 of XXXX, however the figures in the rest of that row do not add up to that amount and I did not make that payment. Nobody at Chase has been able to explain why these figures do not add up as they should and why my payment was divided up into differenet payments. In the XXXX XXXX section of my XX/XX/XXXX statement show an unpaid balance of {$950.00} that is in error and an Unapplied Balance that is not suppose to exist. In the Past Payments Breakdown section the amount paid is wrong which causes the rest of the figures to be in error also. in the Explanation of Amount Due section the principal amount is in error as is most of the figures on this statement. I called Chase and called their attention to the errors and requested a corrected statement with the correct amount due on the principal. They admitted that the figures are all in error, but refused to issue a corrected statement. I need to know the correct amount owed on this account and how much I need to pay for my XX/XX/XXXX payment. Enclosed are copies of the Transaction History, XX/XX/XXXX Loan Statement, and XX/XX/XXXX Loan Statement.
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. My account was flagged randomly and I didnt get any help from the Zelle customer service agent. I was told they dont know why my account was banned but there was nothing I could do to get it back. 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 CFPB 's 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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name
Product: Credit reporting or other personal consumer reports

An incorrect address is being reported on my credit profile which is linked to fraud. My identity has been stolen from this address. I do not live at this address XXXX XXXX XXXX XXXX, XXXX IL XXXX.
Product: Credit card or prepaid card

A credit card was issued on my name and Capital One sent me to collection. I am in court fighting to clear my name and credit history. Capital One has allowed a fake company name XXXX XXXX XXXX business credit to issue this credit card. I need help locating this company and clear my name and fix my credit.