23daVinci/CFPB_Complaints huggingface dataset:
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 and 15 USC 6802. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written.

instructions 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.

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.

15 USC 6802 - Obligations with respect to disclosures of personal information. I did not receive the required opt-out notice at the time I created the accounts that are being reported.
Product: Credit card or prepaid card

On XX/XX/2019, I received a notice from the XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX regarding an unpaid charge to my government travel card, which is allegedly delinquent in the amount of {$7.00}. I told the representative from the XXXX XXXX XXXX XXXX XXXX that I had disputed a {$7.00} charge because I did not recognize the charge and had no receipt for the charge. I also explained that CITI did not respond to my dispute and it had not been resolved. 

Today, XX/XX/2019, I received my third late notice from the XXXX 's XXXX XXXX  XXXX XXXX XXXX XXXX, despite the fact that no payment is due ( CITI screenshot attached ). I still have not received a reply regarding my dispute, although I made a payment of {$7.00} to the account, which posted on XX/XX/2019. 

I view this treatment as harassment and poor customer service. I am concerned about the impact on my job and my credit rating, given CITI 's poor record-keeping and lackluster response.
Product: Debt collection

Hello I do not know what this debt is. It just showed up on my credit report I never received anything and don't know how old it is or if even mine. 

If it's medical debt it should have been paid by insurance and not owed by me
Product: Debt collection

I am disputing the amount owed with XXXX, XXXX, and XXXX for the reasons stated below. I have asked for proof of this debt, and they refuse to provide it. I do not believe I owe the amount they claim, but they continue to report this on all three bureaus. I want you to remove it from all reports for not having proof of the debt.
Product: Money transfer, virtual currency, or money service

I wired money to XXXX people who said they were trucking companies that carry and pull loads for freight brokers but ended up being fraud. I did around XXXX wires out of td bank in XXXX XXXX with the bank associate as I have a factoring companies and handles freight invoices for a fee. the total among the XXXX wires were XXXX in the month time frame of XX/XX/year>. The name of my company is XXXX XXXX XXXX. Police report says the names and companies of the info of the people. 
to XX/XX/year>. I suspected something was wrong and stopped wiring the people. I contacted the police and informed the FBI. I Lost all my money and want my money back. the police said the licenses were fake/fraud. the people scammed me. everything was fake. they called me saying they saw my number on internet, I don't know where or how. please help as I have been effected badly. this is the first time this has ever happened to me. the whole thing was a scam and they scammed me for around {$650000.00}
Product: Mortgage

I'm extremely frustrated with the customer service at this bank. Its shocking how much effort and stress Ive had to endure just to get my questions answered and issues resolved. Since XXXX, I've been informed by them that FEMA said that my property is in a flood zone, and after reaching out to them, the bank decided to purchase flood insurance on my behalf without proper communication. 

I've attached the email correspondence and a log of my calls with their insurance department. I feel like I'm being bullied by the company, especially after my previous complaint. The ongoing lack of response is causing me significant mental stress despite my repeated attempts to resolve this. 

If this issue is not addressed, I will have to consider legal action.
Product: Credit reporting or other personal consumer reports

Years ago I was married and we had a joint account at XXXX XXXX XXXX XXXX, it was a XXXX XXXX XXXX. We then got divorced and the court ordered my ex-wife to pay the credit card off. Eventually, XXXX XXXX bought the debt from XXXX XXXX XXXX XXXX and my ex-wife continued paying until about XXXX of XXXX. Then, they started harassing me and it showed up on my credit reports. I disputed it and they said it all checked out. I provided XXXX XXXX the divorce agreement that included the order and they still continue to try to collect from me. XXXX is of no help, repeated disputes have done nothing. It is not my debt and it is negatively affecting my credit score. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX ( XXXX  : XXXX  Experian : XXXX  ), Unknown Name ( XXXX : XXXX ), XXXX XXXX/XXXX XXXX ( XXXX : XXXX   Experian : XXXX XXXX : XXXX  ), XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX/XXXX ( XXXX : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX XXXX ( Experian : XXXX XXXX : XXXX  ), XXXX XXXX ( XXXX : XXXX Experian : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX  ), XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX : Experian : XXXX XXXX : XXXX  ), XXXX/XXXX  ( XXXX : XXXX  Experian : XXXX XXXX : XXXX ), XXXX/XXXX   XXXX : XXXX  Experian : XXXX XXXX : XXXX ).

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Dispite my efforts to resolve this directly with experian it remains unsolved.I request immediate investigation and removal of these items. As they are inaccurate and does not reflect my true credit score
Product: Credit reporting

I got results on XXXX XXXX 2015 showing accounts no longer reporting my equifax credit file. I have attach the XXXX XXXX results. A month or two later the accounts showed back up on my credit report. As per FCRA if items get reinserted I need notification within 5 days I did not get that. Violation of the FCRA. Either remove the items or the next letter will be from a attorney with a lawsuit and owing me money. I have tried disputing mult times with no luck. 
Here is what the FCRA says about reinserting, i ) If any information is deleted from a consumer 's file pursuant to subparagraph : ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause : ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a cfpb complaint and XXXX complaint and nothing as happened. I filed several dispute with all three credit bureaus and they did the debts were verified each time I have two debts with XXXX XXXX XXXX that need to be removed asap. Please see attached documents
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( file no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I have disputed this debt for over 2 years asking company to validate by showing court paperwork that an eviction was done or that money was owed to an apartment Complex ... they have not but threatened to garnish my wages and damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

Open XXXX XXXX and amount XXXX I was trying to get it dispute which only made things worst they went up on the price
Product: Debt collection

This company is billing me for an account that is not mine. On XX/XX/2020 they sent me a bill. On XX/XX/2020 I sent the a letter in response to their bill. I requested from them a copy of the signed credit application. They have not replied.
Product: Checking or savings account

On XX/XX/2022, I have deposited {$90000.00} from our client ( XXXX ) for construction work in their office building. The funds could take 5 business days to clear, which is normal when depositing large sums. Sometimes it takes 2 business days, sometimes the full 5 days. No problem. However, the next day when I tried to withdraw {$200.00} from the ATM, I was notified that there was an error and that I can not withdraw cash from ATM. I called the customer support and was notified that the account was restricted. Then the customer support rep said everything should be worked out by XX/XX/XXXX since XX/XX/XXXX was a holiday. 

XX/XX/XXXX rolled around and the account is still restricted. Person on the phone could not tell me the reason. Asked for supervisor and was notified that the {$90000.00} check needs to be verified by the issuer. We were able to schedule with the check issuer with the required identification and documents that were provided by customer support from Chase. We submitted everything to the local office branch XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The banker asked if the president of the company ( XXXX ) can come down to verify. ( If we get a check from XXXX, would XXXXXXXX XXXX have to come down? ) The office branch told us to call Chase customer support day after tomorrow ( today XXXX ) to get an update. Called the number and was notified the account is STILL restricted. Asked if you can hold the {$90000.00} and release the rest of the funds in the account. I was told yes, if only I withdraw in person at the local branch. I am now told that I can not access the rest of the remaining funds. Each time I call to ask why the account is restricted, reasons are a bit different each time. 

This is impacting my business. I can not pay my employees. Chase has been dragging their feet, if that, in this whole situation. Client provided proof that funds ( {$90000.00} ) left their account. Chase is holding not only the {$90000.00} but my whole business account.
Product: Credit card

I received a letter from Chase Card Services on XX/XX/year> regarding a XXXX balance due on a Credit Card. The letter was a settlement option, in which, I immediately called the number provided in the collection letter. I explained how this card/account is not mine, we talked, I answered some of their security questions and then they stated how this opened account seems to, in fact, be fraudulent. They said since it is deemed fraudulent they would turn it over to their fraud department, I let it go at that time. In the meantime, I had found out that the JPMCB account has now turned into a charge off on all 3 credit bureaus. I then disputed the JPMCB account to all 3 credit bureaus. When all 3 credit bureau reporting agencies stated that the NOW " charge off '' was " verified '' by JPMCB. I contacted JPMCB on XXXX the XXXX 2024 to find out this status of the fraudulent account, in which, they had no answer. As of today, XXXX XXXX, 2024 I was informed that the XXXX will not be removed from my credit report and will show as a " charge off ''. 
How can you please help me get this fraudulent charge off my credit report and ensure my FCRA are being upheld. 

Can you please help me ensure my FCRA are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER REQUEST FOR INFORMATION & NOTICE TO DELETE Consumer Gramm-Leach-Bliley Act Notice Sur-name : XXXX, Given name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX ZIP Exempt Non-domestic , without the UNITED STATES *NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT* Attention : XXXX PRESIDENT/ CEODate:XXXX  XXXX XXXX XXXX XXXX, Massachusetts XXXX United States Re : CONSUMER NOTICE OF GRAMM-LEACH-BLILEY ACT VIOLATION I Sur-name : XXXX, Given name : XXXX living man hereby puts XXXX  XXXX XXXX and its CEO on notice of my Consumer notice R.I.C.O. and GRAMM-LEACH-BLILEY ACT Violation. Consumer demands included Cease and Desist from said racketeering activity. 


Request for information I am hereby requesting the following information in regards to this account XXXX XXXX Account # XXXX Consumer is aware that any creditor or trustee with a fiduciary duty to XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other all caps corporate spelling of the Surety must have a copy of Social Security Administration Form 89 signed by the beneficiary ( name ) Form SSA-89 is ONLY GOOD FOR 90 DAYS. Please present form SSA-89 to consumer ( name ), living man and beneficiary of the Surety XXXX XXXX XXXX XXXX 

The federally protected consumer also understands NOTHING under the FCRA requires a financial institution to furnish negative information to a CRA Please be advised, a Trustee that is furnishing a collection to my consumer report is in violation of engaging in unlawful extortionate activities. Which the FTC defines as debt parking, and abusive, and unfair debt collection practices. 




Copy of state Department of commerce certificate Copy of Insurance certificate Proof that you are the licensed debt collector for this debt Validation of debt ( statements are not validation ) Proof of agreement Evidence you are the licensed debt collector Chain Of Title* Copy of First and last Gramm Leach Bliley Act SSA-89 Form SIGNED BY CONSUMER XXXX XXXX XXXX ( name ALL CAPS ) Copy of the 1099C cancellation of debt Date of first delinquency Copy of arbitration agreement Copy of the gramm leach bliley act disclosure A list of people you sent my information to An authenticated record of accounting/ledger from the date the account opened I am giving your company 14 days to provide all the following information above via mail in good faith. If your company refuses to mail me all the information I am requesting above ; please DELETE the account from my credit report. 

Thank you for your time. In good faith, XXXX : XXXX agent and Beneficial owner of XXXX XXXX XXXX XXXX Corporation.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account is incorrect and should be removed from my credit report. i disputed many times and it was removed correctly from credit bureaus after proper investigation ( see attachments ) but they keep showing back up on Experian report, reporting incorrect information. Experian removed it properly in XXXX and it is now back on for some reason I been battling with them and sent numerous certified letters without ANY answers from them!! they clearly violates my right as a consumer and wrongly report incorrect information on my credit report. I put them on notice, sent cease and desist letters, asking for valid proof of contract on this account... it is greatly impacting my credit worthiness i worked very hard for! 

Since they ignore the law and my letters, i am kindly asking you to make proper remedy to this and make sure my credit is reflecting accurate and true information! 
I appreciate your help!
Product: Checking or savings account

XX/XX/XXXX in review of my complaint The Santander Executive XXXX XXXX sent me a letter on XX/XX/XXXX this is pertaining to XX/XX/XXXX it was not XXXX it was XX/XX/XXXX check number XXXX for {$700.00} posted on my account the balance left was {$57.00}. On the same day check number XXXX for {$800.00} posted to the account and an insufficient fund of {$35.00} was assessed to the account refunded on XX/XX/XXXX. Then on XX/XX/XXXX a sustained overdraft fee of {$35.00} was assessed on my account again! 
My concerns are this I did not have a cell phone this is why I requested alerts only by my email. I explained this to the manager of bank when I made the first complaint. The Santander Rep suggested now that I have a cell phone XX/XX/XXXX I should set up alerts right away so this does not happen again. This was a trick! The bank representative suggested this just so when the complaint was reviewed they would have in writing the account owner set up the alerts on phone after the discrepancy " not before '' and they did! I told her " yes '' I would but this doesn't '' justify '' your error! It doesn't matter if I set alerts on my new phone your branch did not send me an alert by email. Now on her statement she sent me ( like I knew she would ) she says I set up the alerts after XX/XX/XXXX. I did not have a cell phone ( I only use a land line, my daughter suggested a cell ) and the alerts should have continued by email not stop in XXXX!
Product: Credit reporting

am requesting the removal of XXXX judgements ( case number XXXX and XXXX ) on my Equifax credit report due to XXXX XXXX, et al. v. Equifax Information Services LLC ( XXXX ). I do not know where these judgements have originally been identified from, and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgements as soon as possible.