23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom it may concern, I am a victim of a financial crime by XXXX XXXX XXXX. 

I was an intern for XXXX XXXX XXXX and he manipulated me and scammed me into starting a business. After registering the business and opening a business account, he maxed out the business credit card and left me with the debt. 
His intention was never to be involved in the business but to defraud me and gain access to the credit card. The unauthorize transactions was not business related and was used for personal reason such as a diamond ring, using the credit card to cover for his other debts, and giving it to his family members to use. 
This incident occurred between XX/XX/XXXX to XX/XX/XXXX. 

By the time I found out, I later was informed that XXXX XXXX XXXX was arrested for financial crimes filed against him by other victims. I learned that I am one of the many victims that are filing a report against this criminal as well. 

I went to Chase Bank to address my concerns for the charges and a representative filed a claim on my behalf. 

A month later, I saw the charges were dropped from my business account. 
I called Chase Credit Card Services to confirm and spoke to two representatives that said that I had a negative balance and that my claim was approved. 
A month and a half later, I was rebilled around mid XX/XX/XXXX. 

I am now dealing with the Bank regarding all of XXXX XXXX XXXX charges and they are not able to help me even though I followed all instructions given to provide additional documents regarding XXXX XXXX XXXX case as well as the detectives contact information to verify the documents and information. 

Although I have followed all instructions, my case was denied. 

A detective on his case reached out to Chase recently in XX/XX/XXXX via email but have not heard anything since then. 

Attached are articles of his case and the reports of all of the charges with dates under XXXX XXXX XXXX along with a photo of the Credit Card that he used. 
XXXX XXXX XXXX unauthorized fraudulent charges are in the sum amount of {$41000.00} ( Attach are his unauthorized charges and you will also see a " XXXX '' charged demonstrating he is pretending to be a " escrow '' company scamming other people with that email. 

His booking number is also attached to this report as he was held custody for Security Fraud and Fraudulent activities. 

I have filed a claim with Chase bank, and they have denied my claim each time this year from XX/XX/XXXX until now XX/XX/XXXX. 

Please help with this case as I am under severe financial stress as XXXX XXXX XXXX has left a huge debt under my company credit card and have not faced any consequences regarding his actions Thank you for your time and your help.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelles handling of disputes. My bank and Zelle have failed to properly investigate my claims. I was informed by my financial institution that recovering my lost funds was unattainable and wouldnt be able track my transactions. This is continuous matter that needs to be brought upon. As a consumers, I feel neglected, and feel like nothing is being done about these scams. The lack of accountability and transparency is unacceptable!
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, I have been trying to make payments on my student loans for weeks. There have been multiple attempts to make payments on time but each time the payments are getting reversed and there has been no contact or explanation by the service provider. I have made multiple attempts to pay and contact them about it but each time there was no reply and my payments are not going through. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 6 accounts reporting on my credit report that are claiming to be in a chapter XXXX, wage earner plan. i have never filed a chapter XXXX, i have filed several disputes with transunion requesting debt validation and asking for proof that these accounts belong me, i was told that the information is being verified by my home address, they have refused to provide any type of contracts, they did acknowledge that my account shows inaccuracies but they refused to remove these negative remarks, instead they said i need to dispute these items again, this will be dispute number 6, i am entitled to see verification on how they are saying these debts belong me but i have not got any help from trans union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts for so long that I havent got a positive result. I am asking them for proof that I was ever late so it will be justified but I think it only fall on deaf ears. I am writing a complain to you to help me sort things out. I am sure that I was not ever late with these accounts. Please help me get them off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial sent an amount due to the credit bureaus for my final settlement invoice related to my lease turn in without ever informing me of the amount due, when it was due, and providing a reason as to why they reported it. Further, when talking to the GM Financial customer support, they keep saying that the final invoice will come in 90 days after lease turn-in, but then it would make no sense for them to report anything to the credit bureaus about financial information on the account since nothing is due. I'm concerned that they will deem the amount overdue and then it will hurt my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX COLLECTIONS are requesting a payment of {$160.00} due to collections which is illegal and wrong.

Section 809 ( a ) of the FDCPA requires that within five days after the initial communication with the consumer in connection with the collection of any debt, a debt collector must provide the consumer with a validation notice.
Product: Credit reporting or other personal consumer reports

Equifax report showing as blank & lenders are unable to pull report & see that I have a car & I am making payments
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling disputes, partially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeaseble. The CFPB finding 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 card or prepaid card

The card was, and still is advertised as interest free for one year. 
The card was issued online, as part of the checkout process of an online store called XXXX. 
The card is issued by comenity.com When asked about minimum payments and avoiding interest, Comenity.com representatives offer information that is at times vague, and at times contradicts the terms promoted. 
It seems almost designed to mislead customers into violating the terms of the one year interest free offer, possibly in an attempt to collect interest and fines.
Product: Checking or savings account

I am having trouble signing into my account for 2 days. A code was sent but never received it. I called the pnc bank and my calls routed to the XXXX, XXXX and some XXXX country. This is scary for all the scamming going on. I have been with pnc bank for over 30 years and never had an issue until recently. I can not sign in to pay my bills. I do not feel safe at pnc bank.
Product: Credit reporting or other personal consumer reports

Remove all inaccurate information and fraudulent accounts falsely deemed verified IMMEDIATELY! 

Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX XXXX to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. 

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors.

As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts.

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX XXXX result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Debt collection

Dear I C SYSTEM, I am a victim of a data breach and possible identity theft. Under 15 U.S.C. 1681c-2 ( a ), I formally request the blocking and deletion of all accounts associated with my personal information that were fraudulently created or accessed. 

Please confirm the deletion of these accounts and any further steps I need to take. I am happy to provide any necessary documentation to verify my request. 

You can reach me at XXXX or ( XXXX ) for further communication. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified certain transactions on my consumer report to be a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer exercised my rights per the Fair Credit Reporting Act and the Fair Debt Collection Act by submitting a dispute to Equifax on XX/XX/2022 and XX/XX/2022 via the Equifax consumer online dispute center. Equifax responded on XX/XX/2022 that the disputes were received and could take upto 30 days for completion. Equifax also ensured that all investigation results would be shared with me at the end of the investigation by Equifax as well as the creditors which are XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/2022 and XX/XX/2022 Equifax contacted me via email and the online Equifax dispute center to inform me that my dispute investigations had been completed as of XX/XX/2022 and XX/XX/2022. Equifax failed to ensure a thorough investigation because XXXX, XXXX, and Equifax are all reporting incomplete, inconsistent, and inaccurate information in regard to both disputed accounts as of XX/XX/2022. Equifax claims to have conducted an investigation yet I have not received any debt validation results that would support permissible purpose for these accounts being furnished by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and also no permissible purpose for the reporting of incomplete, inconsistent, unauthorized, and inaccurate information to my Equifax consumer report. This is a clear example of equifaxs willful noncompliance and negligence with rectifying my affairs. This is a violation of 16 USC 1692 and 15 USC 1681b. If equifax is claiming to have investigated yet I can not determine between XXXX, XXXX, or equifax who is housing accurate consumer information then accounts must be deleted immediately. Also, the creditors of the above-mentioned accounts have failed to provide debt validation within 30 days of receiving the dispute request thus these accounts must be deleted/ permanently removed immediately upon receipt of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ireceivedacopyofmycreditreportandthereareitemsonmycreditthatarenotmine.IdidntevenknowanythingabouttheseuntilIwasnotofferedajobbecauseoftheseitemsonmycreditPleasehavetheseremoved.XXXXXXXXXXXXXXXX/XXXX(acd#XXXX),XXXXXXXX/XXXXXXXX.XXXXXXXX/XXXXXXXXXXXX,XXXXXXXXXXXXXXXXXXXXXXXXXXXX{XXXX,XXXXXXXX,XXXX/XXXX.XXXX/XXXX/XXXXXXXX/XXXXandXXXXXXXXXXXX.IreachedouttomylocalpoliceandtheFTC.
Product: Credit reporting or other personal consumer reports

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Ongoing Dispute Regarding Account : XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account referenced above. Equifax has been the sole credit reporting agency furnishing this false information, despite my repeated efforts to notify you that I do not own this account or the alleged debt. This ongoing inaccuracy is in clear violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ).

To date, I have provided substantial evidence demonstrating that this account does not belong to me. Additionally, in case number XXXX, XXXX XXXX in XXXX XXXX concluded that I am not liable for this debt. The case details are publicly accessible on the XXXX XXXX website : XXXX XXXX XXXX 
Violations of XXXX XXXX XXXX. Failure to Promptly Investigate and Correct Errors : Under 15 U.S.C. 1666b, Equifax is required to investigate disputes and correct inaccuracies. Despite my providing court documentation and proof, Equifax continues to furnish false information about this account.

2. Failure to Safeguard and Ensure Accurate Reporting : Under 15 U.S.C. 6802, Equifax is obligated to protect consumer data and ensure accurate reporting. By furnishing and maintaining false information, Equifax has failed to meet its legal obligations. 
CFPB Fine and Equifaxs Pattern of Misconduct In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$3.00} XXXX for its mishandling of credit reports, including issues involving false and inaccurate information on consumer files. This fine underscores Equifaxs history of violating federal laws governing fair and accurate credit reporting. 
Additionally, Equifax has faced legal action for similar misconduct : XXXX v. Equifax ( XXXX ) : Equifax settled claims for failing to correct inaccuracies on credit reports, resulting in financial harm to consumers. 
In re Equifax , Inc . XXXX XXXX XXXX XXXX XXXX ( XXXX ) : While this case focused on a data breach, it further demonstrates Equifaxs pattern of negligence in safeguarding consumer information.

These examples, coupled with the current issue, highlight a systemic failure to comply with legal obligations and to act in good faith to protect consumers. 
Requested XXXX I am requesting that Equifax : XXXX. Immediately remove the inaccurate account XXXX XXXX from my credit report. 
XXXX. Provide a written statement confirming the removal of the account and an updated credit file. 
XXXX. Confirm compliance with federal laws outlined in this letter.

Failure to comply with this request may result in additional action, including complaints to the CFPB, FTC, and other regulatory agencies, also legal proceedings to recover damages caused by your negligence will be filed. 
I expect this matter to be resolved within 15 days, as required under the Fair Credit Reporting Act ( FCRA ). 

INQUIRES TO BE REMOVED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

Original debt was from the security company XXXX, I ordered a security system for my home and was promised a set rate and equipment, i did not receive the proper rate or equipment as well as other perks promised. I then canceled after that and spoke to numerous individuals at XXXX and was told that I don't owe anything. I later found out they put my account into collections, I have spoken to XXXX numerous times to no avail. The debt was then handed over to Perfect Collections, I have also tried to resolve the issue with them to no avail. Perfect collections open the account XX/XX/2017 and just updated the collection. My credit score has dropped over 90 points and this is affecting my credit and purchasing ability tremendously. They are reporting that owe {$1700.00}, I have received many harassing calls indicating that my assets will be seized due to this collection. XXXX has a history of this kind of practice and something needs to be done, they frequently use bait and switch tactics and need to be held accountable for misleading consumers and then turning accounts over to collections once you call them out on what they did not deliver!
Product: Prepaid card

I've lost my card and someone found it and use my card to withdraw money out a atm I contact the company but they just shut down my card and never reissue me a new one or update me about my claim XX/XX/XXXX- {$220.00} XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$200.00}
Product: Credit card

On XX/XX/year> there where 3 charges on my card that I did not make. They where all for prepaid cards. 2 with T-Mobile for {$43.00} and 1 with XXXX XXXX XXXX for {$42.00}. All for prepaid phone cards. I reported this to my credit card company and they sent me a letter back holding me responsible. This is not the 1st time I've had faulty charges with this company. The first time was about a year ago and the merchant was XXXX XXXX. I had to fight tooth and nail to get this claim covered because like on this one they held me responsible! The reason they gave was that the merchandise that was bought fraudulently on this card was delivered to my address! THAT WAS A TOTAL LIE! I did the leg work and found out the address the merchandise got delivered to from a XXXX XXXX employee was an address in XXXX! I live in XXXX! These people do not care about their clients and look at us as nothing more than an income! They do no leg work when you file a claim and immediately deny the claim and tell me the only way to open the case back up is with overwhelming evidence that I did not make this purchase! Please tell me what kind of evidence a person could have when information is stolen and fraudulent purchases are made? This is totally ridiculous!
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 U.S.C 1681 XXXX XXXX XXXX XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

Within in the past 5 months I have done everything in my power to get the inaccuracies on my credit report removed. Luckily I was able to get this account removed completely from one credit Bureau ( XXXX ) but have had no response for the other 2 Bureaus or Creditor. Can you please help me get this inaccurate information removed from my Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Equifax Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}