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

To Whom It May Concern, I am writing to demand the IMMEDIATE removal of the following FRAUDULENT accounts that have been wrongfully reported on my credit file. I have never opened or authorized these accounts, and their presence is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

The fraudulent accounts in question are : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$5000.00} XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX  Account number XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$1600.00} XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX Account number : XXXX  Date opened : XX/XX/XXXX Balance : {$4500.00} I am attaching a copy of my police report, FTC Identity Theft Report, and valid identification to support my claim. I expect a FULL and PERMANENT deletion of these accounts from my credit report WITHOUT DELAY.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/XXXX  complaint # XXXX I filed a complaint against all three credit agencies about stuff being reported on my account as in accurate. I assumed that XXXX was on all three of my credit reports, but it's only on one. I don't know how they have a alleged debt on one credit report but not on the two others. I would like for EXPERIAN to remove XXXX off my credit report for inaccuracies. and for not doing a proper investigation on the complaint. I haven't heard anything back from EXPERIAN.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( XXXX ) from all three credit reporting agencies due to the violations : THE BEST SERVICE CO/CA - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been denying my request to remove items included in identity theft off of my credit report. these accounts were opened online using my ssn. i have disputed this since XX/XX/2022 and transunion has been verifying fraudulent items without submitting to proper investigation and verification of accounts. Transunion has not acknowledged my federal document that was given to me by the Federal Trade Commission, and has continuously reported items noted to be deleted. These accounts appear as open accounts on my report which is relecting bad on my credit profile. Transunion has also violated my privacy right according to the fair credit reporting act. 

15 U.S.C states that i have the right to privacy U.S.C 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account or my personal information without my written or verbal instruction. 

Transunion has never got instruction from myself to report these erroneous items. 
the following accounts are included in this dispute : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  credit card and 12 inquires that is listed in federal trade commission identity theft report my i.d, proof of address, ssn, and copy of ftc report was mailed to transunion and recieved on XX/XX/2022 via certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach Experian via phone call to close my account multiple times on XX/XX/XXXX, but the answering machine had me waited for an hour. I XXXX about the issue and found out that there are many customers who are in the same situation as mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted identity theft report. 
Update my information to all XXXX credit platforms.Information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no other allies Requested name variations outside of name listed above be removed. 

Requested all soft and hardinquiries be removed from credit profile Request all inaccurate information about my accounts be removed Request proof of debt from all collection debtors on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

I have attempted to dispute a bankruptcy on my credit report for over a year. I have had zero luck with Equifax, in fact they keep telling my that it was verified by XXXX XXXX, yet I have a letter from XXXX XXXX stating they removed it due to not being able to verify the account. I have wrote Equifax via certified mail on the following dates : XX/XX/XXXX XX/XX/XXXX ( As well as many others that I can get dates for ) and have had zero luck. 

I have also attached all of their replies to my letters stating they supposedly verified it with XXXX XXXX. If this is not fixed, I am having my attorney file in court immediately as the paperwork is already started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and the companies involved responded. Some got deleted but there's a lot of fraudulent items that are still reporting on my credit report. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Mortgage

On XX/XX/XXXX, MrCooper received my qualified written statement ( written XX/XX/XXXX and acknowledged it on XX/XX/XXXX ) regarding Force Placed Flood insurance on my home. FEMA updated the maps in our area on XX/XX/XXXX but our portion of the zone was re-validated from prior XXXX submitted by the developers of our neighborhood in XXXX. All this information was sent to MrCooper, but MrCooper still paid the Force Placed Flood insurance on XX/XX/XXXX iao {$1900.00}.
Product: Credit reporting

I recently was turned down for credit based on Transunion not updating and deleting my XXXX Chapter XXXX bankruptcy from XX/XX/2010. I filed with my then attorney while living in XXXX, MD during my treatment for XXXX XXXX and was on unpaid medical leave thus filing for Bankruptcy. I have contacted Transunion numerous times to correct other erroneous details on my credit report and every credit reporting agency except them has taken my request seriously and rectified the situation. I belong to a financial support group and it 's ironic that all of us have the same issues with only Transunion not abiding by regulations and laws for consumers. Thank You in advance for your assistance.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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: 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. 

Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Credit card or prepaid card

I just got a new CITI BANK credit card and after I activated it I tried adding it to my XXXXXXXX XXXX  and I got a message to call customer support which I did and surprisingly it was an XXXX man I could understand his XXXX accent but I gave him all the information about my account he requested but was told my phone number registered on the citi bank account cant be use as verification if I have another phone or a relatives phone number which I find very strange and i simply no thats the only number on my account. He then ask me to wait for Snail mailed letter for 10days which is entirely frustrating and my card payment schedule is on the XXXX of XX/XX/2023 as stated on the account If I cant make payments on time it will definitely affect my credit report and thats a nightmare Im trying to hard to avoid. As it is now my credit card has been lock for no reasons and Im filing this complaint to get my credit card back unlocked and to avoid future transaction declined from the CITI BANK poor system management. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed out of two months rent ( {$3100.00} ) via wire transfer through Wells Fargo. I had signed a lease with who I thought was a realtor based in my area, and later found out that the person I sent money to was impersonating this realtor and was not actually planning to lease me the unit I had paid for. I went and filed a fraud claim with WF as soon as I found out, but have received no communication since and have not received my money back. It has now been about 4 weeks since I filed that claim, and was told Id have a response in 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, XXXX, And Experian concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX  ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX  account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : 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 XXXXXXXX XXXX XXXX The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by XXXX, XXXX and Experian. Meaning I should be getting a check for {$5000.00}.
Product: Money transfer, virtual currency, or money service

I am writing to share my concerns regarding Zelle 's mishandling of disputes especially in light of the recent CFPB lawsuit pointing out major issues with its current platform. Despite using Zelle numerous times and reporting said discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking said transactions was unfeasible. The CFPBs findings indicate that Zelle has not only been neglectful but failed to protect consumers. They have allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is totally unacceptable.
Product: Credit reporting or other personal consumer reports

Opened a new credit card account XXXX, XXXX  with Bank of America ( hereafter referred to as BA ) and immediately set up auto-pay. A few months went by using the BA card and noticed a late payment fee and then another. Tried to call the BA many times and couldnt get through to anyone due to new automated phone system. Suddenly received notice from a credit monitoring service of a change of my credit report due to late payments to the BA credit card. I contacted BA online chat to verify auto pay and they said it failed the first time, so we set it up. The chat agent agreed to try to reverse the late charges. Note I still never received any email, text, phone call or USPS mail from BA to warn me of any late payment or that they would hurt my credit reports. After finding out my credit score has been reduced from XXXX to XXXX, I chatted and called BA several more times to request correction. One phone rep in XXXX basically said tough luck and it was my fault because auto pay takes several months to activate. I explained to her I should have been told about that and she insisted it was still all my fault. I asked to speak to a supervisor and she refused, citing the back office said it's all my fault. I ended to call to accept the next phone rep calling me and she seemed happy ; the next rep said he would send letters to the credit reporting agencies to try to fix the issue and send me a copy. The copy I received essentially said BA refuses to correct the problem based on their investigation. 

I am XXXX, honorably served in the military, am now a XXXX veteran and have never experienced anything like this with the dozens of other financial accounts Ive dealt with and have been a BA customer for XXXX years. I have worked hard to be as responsible as possible for many decades to achieve an XXXX XXXX and BA basically screwed me over and damaged an important part of my life, a great credit score.
Product: Bank account or service

I opened an account with Citibank by visiting a branch. There was a poster showing an offer for {$400.00} if a new account was opened and a certain deposit made and maintained for 30 days. After opening the account and depositing I sent a secure message to verify everything was fine with the account, deposit, and promotion, and received back this message : I reviewed your account and I see that your account is opened on XXXX/XXXX/16 and I see the deposit of {$15000.00} you have made on the same date. I suggest you to maintain {$15000.00} for the next one month from the date of deposit ( ie ) till XXXX/XXXX/16 for getting this promotion. Once you maintain this balance till XXXX/XXXX/16 then {$400.00} will be credited on your account with in 90 days no later than XXXX/XXXX/16. 
It is now XXXX/XXXX/16 and I have not seen the {$400.00} added to my account. Any attempts to contact Citi about this result in a dead end. I have : * Sent an additional secure message. I received a reply from an agent stating that they require me to give them the promotional code. I do n't know of any promotional code! I went into the branch to open the account and the promotion was on a poster. When I sent a secure message the first time the agent had no problem locating the promotion on my account, but this time they need some code? Every time I try to reply to this message I get an error. 
* Contacted them on live chat twice. Each time I have logged into my account and then clicked the " live chat '' box on the side bar. Both times the agent has told me that I 'm not logged in and I need to log in so they can view my account details. 
* Called on the phone twice. Both times I have entered my account details in and am to be transferred to someone and instead I am just hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has inquiries on my report that I DID NOT authorize, they are fraudulent, and I did NOT give any of the following businesses authorization to run my credit and they do NOT have a permissible purpose! 

XXXX XXXX, XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 The above inquiries NEED to be deleted IMMEDIATELY
Product: Consumer Loan

Through a divorce settlement our ( my ex wife ) and I had defaulted on our vehicle loan. Understandably we recognized it would be in repossession. Both capital one auto finance and myself had been in constant monthly contact due to the non payment and I explained we could no longer afford the vehicle. No problem, I understood they would take possession. I had told them the location, parked it easily so there would be no issue to obtain it. It took them weeks to come take the vehicle. I kept calling but they seemed not to concerned and told me that they would find a tow company and remove the vehicle. No problem. However, weeks before this, maybe more like months, I tried working with them and had a family member willing to purchase the vehicle for XXXX less than what was owed..which at that point that XXXX was entirely all late fees and finance charges..not principle..they said NO! Ok, so fast forward XX/XX/2015 they finally took possession after months of going back and forth waiting for them to either make a decision on selling the vehicle to my family member or take possession..The vehicle was tagged, titled, registered and insured out of XXXX. Insured through XXXX. The vehicle was in XXXX during the repossession because I was up there for a few months during the holidays and looking to relocate possible. So, they finally took possession..I never heard a word from them..not a word, not a call, email, letter, certified..nothing..they simply sold it at auction..I 'm assuming and sold it..the balance owed they simply charged off on my credit..leaving me with a charge off balance of over XXXX. I only found out after recently pulling my credit and seeing what they had done..according to XXXX repossession statue they are responsible for allowing me a chance to buy the vehicle in full, tell me where the vehicle would be stored, tell me the auction day and time and location..and also what they sold it for..Also, through XXXX statue they violated my right to know..giving me zero information..And worse than that they sold the vehicle for far below fair market value for that vehicle..simply taking what they could get and charge me the difference..which is all interest, and fees..they got their principle amount back through the auction..but I was given ZERO notice of anything..I would of bought the vehicle back at the auction..I had offered them double what they sold it for..They also violated XXXX repossession law..I 've written both the state attorney office in XXXX. And my state representative in XXXX. Both parties have stated that capital one clearly violated my rights..they took my vehicle which they had the right, because I defaulted on the payments, but violated my rights in the way they repossed the vehicle. Thus leaving me with terrible credit, an XXXX balance on my credit and I 'm helpless..
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done!