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

On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX  by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX did not remove the hard Inquiry that was placed on my credit report with XXXX  XXXX   XXXX  they placed the Inquiry on my credit report on XX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX/XXXX XXXX XXXX XXXX date XX/XX/XXXX that was not autherized by me, and XXXX XXXX XXXX XXXX also pulled my credit report from XXXX on XX/XX/XXXX. I have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer report. The source of dispute information is XXXX XXXX XXXX XXXX  XXXX. The type of disputed information is Joint Accounts category of disputed information. The dates associated with item being disputed are XXXX, XXXX and XXXX. The explanation for why this item being disputed is because this charged-off student loan account with XXXX XXXX is showing as in collection with associated late payments. However I have settled this account in full as of XX/XX/XXXX. XXXX XXXX  provided a letter from XX/XX/XXXX and XX/XX/XXXX showing that this account has been paid-in-full charge-off and that the account has been settled in full as of XX/XX/XXXX. XXXX XXXX  also provided me with a Tax Statement for Year XXXX ( Form 1099-C ) with which I filed my XXXX tax return.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment with the ongoing presence of late open accounts on my record despite repeated attempts to correct them. 

This marks the third time I am contacting your office regarding this matter, and unfortunately, the issue remains unresolved. The continued presence of these late open accounts not only tarnishes my financial standing but also reflects poorly on your organization 's ability to address and rectify customer concerns in a timely manner. 

Given the repeated nature of this issue, I demand immediate action to rectify the situation. I expect a comprehensive response outlining the exact steps that will be taken to investigate and correct the late open accounts without further delay. 

Please understand that this communication serves as both a formal complaint and a plea for urgent resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX  XXXX Balance : {$5400.00}.
Product: Money transfer, virtual currency, or money service

I am writting to formally express my concerns regarding Zelle 's handiling of disputes, particularly in light of the recent CFPB lawsuit highlighing significant issues with the platform. Despite using Zelle numerous times and reporting dicrepancies, my financial intitution failed to investigate my claims adequalety, they informed me that recovering lost funds was imposible and that tracking these transactions was unfeasible. CFPB findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card

Discrimination, Citi bank claims it is illegal to deny application in whole or in part due to public assistance and then says right after that application was denied in whole or in part due to public assistance. Out right wrong. Stole a XXXX deposit I made, they claim their system crashed and all camera and evidence was whipped along with the money. They are now claiming I never deposited the money but withdrew it..
Product: Checking or savings account

Opened Checking Accts ; @ XX/XX/2022. XXXX XXXX XXXX XXXX  XXXX XXXX account. Both accounts were approved for banking access & had been active since. Deposits, Transactions were being made without issues nor discrepancies. 

Bank sent letter to account holder in late XX/XX/2022 ; regarding address verification and XXXX documents to be presented at local branch banker. Account holder followed through and presented valid documents, state license with official address, social security card, & validated proper procedures as to the requirements made by banking institution. 

Banking institution claimed they sent second letter to account holder advising the same issue ; and if documents weren't submitted, the possibility of account closure would occur. 

Instead, account holder accounts were closed. Banker advised due to XXXX XXXX XXXX. Institution sent XXXXXXXX XXXX Check for the amount of the account balance. Accounts were closed on XX/XX/XXXX, without warning or reasons to which were addressed & managed by bank branch manager, who made it known, that everything was good and verified by account holder, and request had been resolved.
Product: Credit reporting

These accounts should not be on my credit report. 

Credit Inquiries XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX OF XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX # Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian concerning inaccuracies present on my credit report. On XX/XX/XXXX, I initiated contact with Experian to dispute certain information that I believe is erroneous. However, as of the present date, I have yet to receive any communication or resolution from Experian. Below are the details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94.00} I hereby request Experian to thoroughly verify the accuracy of the XXXX  XXXX account details. The reported balance of {$94.00} raises concerns as I do not recall owing such a substantial amount. Additionally, given that the account is indicated as closed and charged-off, the inclusion of a Past Due amount is unwarranted. I kindly request Experian to label this account as disputed while I address the dispute with the creditor. Furthermore, I require verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$1700.00} The XXXX  account requires verification due to the reported balance of {$1700.00}, which appears to be inaccurately high. In light of the account 's classification as closed and charged-off, the inclusion of a Past Due amount is inappropriate. I believe it would be prudent to engage the creditor directly to address this erroneous data. While I work towards resolution, I kindly request Experian to designate this account as disputed. Additionally, I require Experian to validate the Date Opened, Date of Status, and First Reported for this account. 




Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Experian 's reporting for the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$860.00} ) contains inaccuracies. My records indicate the original creditor to be XXXX XXXX XXXX XXXX XXXX, a distinct entity from the one cited by Experian. Moreover, I have never had any contractual association with this company nor have I been contacted by them. The false information provided by Experian regarding the balance, which exceeds my belief of owed amount, prompts me to dispute this entire account. I kindly request verification of the Date Opened and Date of First Delinquency. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Similarly, the information presented for the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$780.00} ) is erroneous. The original creditor, XXXX XXXX XXXX XXXX, is distinct from the entity indicated by Experian. Furthermore, the reported balance surpasses my understanding of the owed amount, thereby undermining the accuracy of the information. I dispute this account and request validation of the Date Opened and Date of First Delinquency.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an alert from XXXX that a JP Morgan Chase credit card was delinquent for {$19000.00} with account # XXXX which was opened in XX/XX/XXXX in my name. The aforementioned account had an address of XXXX XXXX, XXXX, MI XXXX associated with the fraudulent account which I never resided. Immediately upon discovering the alert I contacted XXXX disputing the account. I also made a police report with my local authorities for identity theft regarding the fraudulent account. I tried contacting JP Morgan Chase many times ; my calls were never returned until XX/XX/XXXX I mailed JP Morgan Chase a certified letter demanding proof of the authenticity of the account contract bearing my signature yet JP Morgan Chase has not as of yet supplied proof of the authenticity of above account in question. Yet JP Morgan Chase continues to report fraudulent and inaccurate information to XXXX and XXXX credit bureaus in my name.
Product: Credit card

My statement is a billing error pursuant to : 12 CFR 1026.13 - Billing Error Resolution Capital One has charged my account for several late fees and is in violation of 15 U.S. 1666 Code Credit Billing : Correction of billing errors 1666b Timing of payments - a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. This account has been marked as late and has history of late fees.

1666i-1 - Limits on interest rate, fee, and finance charge increases applicable to outstanding balance- in the case of any account under an open end consumer credit plan, no creditor may increase any APR, fee, or finance charge applicable to any outstanding balance.

Remedy : I require that any and all late fees and interest accrued on any late fees be removed from my account within 7 days of receiving this notice. 

Capital One refused to remove any and all late fees and is reporting negatively against my credit report.
Product: Vehicle loan or lease

The loan was given to me by Santander when I had no job or drivers license. They never verified the income from The applicant or co applicant. This was a predatory loan. I never understood the terms and conditions of the loan and that interest would be calculated daily. I was also led to believe that Gap insurance was mandatory and increased the payment amout by {$200.00}. When I found out this was not the case and cancelledthe Gap insurance the monthly payment remianed the same. In XXXX of XXXX XXXX men showed up inregular clothes driving a regular car. They stated they were there to reposess the vehilce due to non payment. I called Santander immediately and payed what they owed and was assured by the representative that my car couldnot be repossessed since it was still inn my possession and I had paid my account arrears. I explained this to the XXXX men who stated they still had to take the car because they were there. They also stated the bank was closed and they had no way of verifying the payment. I handed them the keys and called Santander in the morning. They told be where my vehicle was allegedly being held, however the companynever had the vehicle. The repossessor had my car the whole night and part of the next day and he dropped it back off to my home the following with his son in the car. My car was never taken to a facility. Instead the staff member used it for his own personal reasons and I was charged numerous fees.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

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 or other personal consumer reports

My XXXX and Transunion credit reports are reporting an account in collections from a company named XXXX XXXX XXXX for a debt from another company only identified as XXXX XXXX XXXX. The amount is {$940.00}. This was posted to my account during the month of XX/XX/. I have filed a dispute with XXXX and Transunion online stating that I am not aware of this account/company/debt. Although they communicated back that the dispute was resolved, it is still showing up on my credit report as of today, XX/XX/. I can only assume that someone purchased something or received a loan in my name and with my SSN. I would like this resolved as soon as possible as it is very negatively affecting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 7 INQUIRES That where supposed to come off my acocunt with Experian One was from XXXX was supposed to be Removed in XX/XX/XXXX it was never removed. XXXX XXXX inq that was supposed to be removed in XX/XX/XXXX. XXXX XXXX Item was supposed to be removed int XX/XX/XXXX. XXXX XXXX  item was supposed to be removed XX/XX/XXXX, XXXX. and 2x XXXX  items where supposed to be removed in XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX I'm reaching out to express my frustration regarding the lack of response after reporting my identity theft for the third time. Despite my efforts, neither the credit bureau nor the involved companies have addressed my disputes. This situation makes me feel like my consumer rights are being disregarded. As the victim, I'm unable to obtain the necessary assistance or response from the credit reporting oversight companies. If prompt action isn't taken, I'll have no choice but to pursue legal action.
Product: Debt collection

I am disputing a fraudulent and inaccurate collection account that has been reported on my credit report by Oliphant USA , LLC. The account, originally from XXXX, was added to my XXXX credit file for {$18000.00}, with an alleged open date of XX/XX/year>. 

This debt does not belong to me, and I have never received any prior notice from Oliphant USA , LLC regarding this collection before it was placed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, Oliphant USA , LLC was required to send me a written validation notice within five days of attempting to collect this debt. They never sent me any notice, which means I was denied my right to dispute and request validation before this account was reported to the credit bureaus. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, Oliphant USA , LLC is prohibited from reporting inaccurate or unverified information to the credit bureaus. Since they have failed to validate the debt and placed it on my report without any proper verification or notification, they are in violation of both federal laws. 

I have already disputed this fraudulent account with XXXX and have sent Oliphant USA , LLC a formal written demand for validation. If they can not provide legally sufficient evidence proving that I owe this debt, then they must immediately delete it from my credit file. 

I am requesting that the CFPB investigate Oliphant USA , LLC and enforce compliance with federal laws. They must either provide full legal validation of this debt or remove it from my credit report immediately. 

This fraudulent and unverified collection account is damaging my credit and violating my consumer rights. I demand swift action to correct this unlawful reporting.
Product: Debt collection

CSK FINANCIAL company I never have an agreement or signed and business with them. they obtain my personal information on a charged off personal debt and caused damage to my life because my credit score is my life.
Product: Debt collection

I have repeatedly asked this Collection Agency to provide me with validation that the account belongs to me. After doing further research this company Helvey and Associates are not licensed or bonded to do collect any debts in the state of North Carolina. I have checked my state website XXXX XXXX XXXX. No information for this collection agency is listed.
Product: Credit reporting or other personal consumer reports

I am asking for your help concerning the inaccurate account on my credit report, which has damaged my reputation, and I require your assistance to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. in XX/XX/XXXX, the SUV was returned on XX/XX/XXXX which was its due date and the mileage on the SUV was XXXX ( I was allowed to use XXXX per year ) well within the target needed for a 3 year lease, I have a copy of the returned document.

The next thing I know is a letter from a XXXX XXXX XXXX debt collector, they are telling that the SUV was stolen and was eventually recovered and that I owe {$2200.00} dollars. I called and spoke with a XXXX XXXX in XX/XX/XXXX, I also called XXXX who refused to speak with me as they had turned this in to a debt collector. I have not been able to resolve this issue after calling and engaging now every month and feel my hands are tied, I need your help as they are also hurting my credit history.
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 XXXX ) account # XXXX, XXXXXXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXXs acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX  XXXX  acct # XXXX, XXXX XXXX  XXXX acct # XXXX, XXXX  XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, and XXXX 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 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: Checking or savings account

XX/XX/21 XXXX XXXX  purchased ticket from smartfare {$140.00}. 
XX/XX/21 XXXX XXXX  -charged pending for {$300.00}. 
I was sent an email with no purchase price just a confirmation. It says if there was a problem I needed to call them. 
XX/XX/21 XXXX - called XXXX customer service to report the problem. He said there is no nothing he could do. I asked for a supervisor. I was told a supervisor XXXX would call me back. 
XXXX I called again. Nothing happened. 
XX/XX/21 I called navyfederal credit union to file a dispute on the charges. The bank gave me a temporary credit for the amount. It was going to be investigated. 
I provided documents and confirmation with no information from the airline I was given. 
XX/XX/21 - the credit of XXXX was taken back.i called navy federal credit union again spoke agent who in turned called visa.Visa told her for me to provide a detail report of all that took place. They would see about returning the funds. 
XX/XX/21 I called NFCU again to check on the status. I was then told to give more information. I did give the information requested on the phone as we talked. They told me they couldn't get a response from the merchant about the charge. So they denied my case again. I was told to put in a claim again. It would take longer. I did. 

XX/XX/21 - Called NFCU to check status was told that it is not fraud. It was error on the merchant part. I just want to file complaint to have my funds return to me.
Product: Credit reporting or other personal consumer reports

A Bank OF America credit card was opened in my name the date of XXXX I am a victim of Identity Theft