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

Subject : Dispute of Fraudulent Accounts, Hard Inquiries, and Derogatory Marks I am writing to formally dispute inaccurate and fraudulent information that appears on my credit report. I am a victim of identity theft, as detailed in my Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ). Under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of these items from my credit file. 

Fraudulent Accounts : The following accounts were opened without my authorization and must be deleted from my credit report : XXXX XXXX XXXX XXXX : {$660.00} Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Amount : {$200.00} Opened : XX/XX/XXXX Fraudulent Hard Inquiries : These inquiries were made without my consent and should be removed immediately XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Derogatory Marks : The collection account reported by XXXX XXXX XXXX is inaccurate and should be removed. I have not received proper documentation verifying that I owe this debt. XXXX XXXX. XXXX requires furnishers of information to verify its accuracy, and the burden of proof is on the collector. Since they have failed to provide proof, this debt should be deleted immediately. 

Additionally, I invoke XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) to demand that all communication from debt collectors regarding these fraudulent accounts cease immediately. 

I request that you : 1. Remove the fraudulent accounts, inquiries, and derogatory marks.

2. Provide written confirmation that these items have been deleted.

3. Investigate and verify the accuracy of the disputed items. 

Failure to correct these inaccuracies within the legally required time frame will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Enclosed are copies of my FTC Identity Theft Report, personal identification, and any other supporting documents. Please conduct this investigation immediately and respond in writing within the timeframe mandated by law. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX without prejudice
Product: Vehicle loan or lease

XXXX XXXX XXXX lied to Capital One in 2019 about my employment in order to sell me a truck that I could not afford and opened a bank account in my name. I was not employed at the time, and I have never been employed by XXXX.
Product: Checking or savings account

Hi XXXX, We noticed some suspicious login activity relating to your Chime account. A hold has been placed on your account ( s ) until we can verify this activity. 

Please see below for further details and instructions on how to submit an appeal to lift this hold. 

What Happened During routine monitoring of accounts on Chimes platform, we noticed suspicious login activity on your Chime account. 

What We Did A hold has been placed on your account in order to safeguard your funds. 

How This Affects You This hold will remain in place until your identity can be verified. Unfortunately, you will be unable to use your Chime XXXX XXXX XXXX or sign in to your account on the Chime website or mobile app during this time. 

What Is Needed From You To submit an appeal to lift the hold on your account, please provide the following items for verification : A copy of both the front and the back of your primary government-issued photo ID ( such as a Drivers License or State ID card ). 
A photo of yourself ( selfie ) holding your photo ID and a piece of paper with your name and todays date written on it. 
Proof of the social security number on file. 
Confirm the email address that should be on file. 
XXXX XXXX for Appeal Review of your appeal will typically be completed within XXXX business day of receiving all verification items. 

Please note : Additional items may be requested after initial review if your documents do not sufficiently verify your identity. The timeline is typically extended by XXXX to XXXX business days for each additional submission. 

How to Contact Us Please reply directly to this message and attach the requested items. All documents must be sent in XXXX, XXXX, or PDF format ( we do not accept XXXX or other document formats ). 

If you need clarification on the requested items above, or assistance in submitting your documents in the correct format, please let us know and we will be happy to assist you. 

Sincerely, The Chime Team What do I do when I haven't gotten a new ID yet? Would my work badge work that has a picture on it? Please let me knpw. 

don't have a copy of my social security card it is being mailed to me. If you have any questions please let me know. 


It just keeps going on like this
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates the ( Consumer Financial Protection Act ) CFPA .Specifically Cash app failed to take timely and effective measures to prevent and protect fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the electronic fund transfer act ( efta ) and regulations E.These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

I have a credit card account with ComenityXXXXXXXX/XXXX XXXX XXXX On XX/XX/2022, I attempted in the morning to make a payment on my All rewards ( XXXX XXXX  ). I tried paying by computer and I also tried calling the phone number on the back of the card, but the system was down. It allowed me to enter all my payment information, but then would say the system was down. I tried doing a live chat with a representative but did not get a response. The strange thing is, it accepted my payment, but days later and I never got a confirmation that it went through. I received my billing statement on XX/XX/2022 and they charged me a {$36.00} late fee!! I have now gone through previous statements and I noticed they have been charging me a late fee almost every month!!! I have literally been trying to reach this company by phone, computer, email anyway I can, but to no avail. I have waited on the phone for customer service and I literally get DISCONNECTED so that I can not talk to anyone in anyway to get this matter resolved and even to close my account. This is definetly fraudulent!!! I am just wanting to speak with someone and it seems it's impossible!! I have never had to do this, but I am very upset with this credit card company and will refuse to ever use this card again nor will I shop at XXXX or any of their affiliate stores EVER!
Product: Checking or savings account

I had an Online Savings account with XXXX and my last statement had funds of {$830.00} XXXX sold this and other accounts to XXXX XXXX, and I have XXXX official statements from XXXX that my funds of {$830.00} was entirely transferred to XXXX XXXX. Key Bank then bought all of the assets of XXXX XXXX, and I contacted Key Bank to get my funds back and they can see my funds of {$830.00} during XXXX XXXX 's transition to Key Bank but Key Bank refuses to pay me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED CHASE TO DO A CREDIT REVIEW ON ALL MY ACCOUNTS IN DATA BASE ON XXXX CREDIT REPORTING HISSTORIES AND VERIFICATION OF PRPOER CREDIT FINANCIAL PROFILE.
Product: Credit card

I placed a Phone call at XXXX Arizona Time XX/XX/XXXX XXXX BMO Credit Card Services XXXX XXXX XXXX XXXX XXXX was wrongfully charged a Cash advance fee by BMO Harris Bank for a rental payment transaction through XXXX on three different charges : XX/XX/XXXX XX/XX/XXXX XXXX  XXXX NY XXXX XXXX. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX The representative claimed it was for a XXXX Cash Advance fee- After consulting with her supervisor XXXX  the BMO Harris Customer service agent refused to reverse the fee. I filed an official complaint with their company and requested a copy of the phone call conversation. I was told I could not pay off the amount to remove the fee but instead would be required to pay the entire credit card balance off in full to get the " cash advance Fee '' to stop compounding interest on my balance. 
Fee Complaint Report Case ID # XXXX XXXX XXXX XXXX customer service agent : XXXX XXXX : XXXX
Product: Credit card or prepaid card

On XXXX-XXXX-18 made purchase at best buy of XXXX. 6 mo no interest if got their card. they sent card, went online set up my account. on XXXX-XXXX-18 i made a payment of XXXX. It said my due date was XXXX-XXXX-18. Paid the payment before due date. On XXXX-XXXX-18 i went online to pay the balance and they had assessed a XXXX late fee. they told me I paid the account too eatly. My Statement dated XXXX-XXXX-18 said my balabce was XXXX, my due date was XXXX-XXXX-18, I paid XXXX on XXXX-XXXX-18 so made no sense. after dealinf with a chat person who said they would waivee the fee, they did not. if i wanted to pay off my account i had to pay thier fee. several time they tols me wold waive fee but did not. i was forces to pay the extra XXXX and paid off the account on XXXX-XXXX-18. statement is attached which documents everything how can they charge me a XXXX late fee when they show i paid XXXX before the due date. attached is the XXXX-XXXX-18 statement - shows next due date XXXX-XXXX-18 and XXXX balance. it shows payment made on XXXX-XXXX-18 ( before the XXXX-XXXX-18 due date and the payment i was forced to pay to pay off the account where they force me to pay this bogus and erroneous fee. I have demanded the acct be closed and a refund of the fee- they seem to feel the fee is valid stating i paid it too early?? but thier statement shows different
Product: Credit reporting or other personal consumer reports

The company refuses to provide me with my XXXX which is on my credit report when the company fill a profit lost charge off or written off but refused to provide me with a XXXX in violation of 15 usc1681 2 ( a ) 1 which violated 15usc1611 and 15usc1615
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice a couple of years ago that my data was breached and I can file a claim for a class-action lawsuit against Experian. 

I filed a claim and it appears the case is settled but I did not receive any money from Experian
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of my credit report dispute by Equifax. Recently, I disputed several inquiries on my credit report that I believe are the result of identity theft. However, Equifax has responded stating that the disputed information has been verified as accurate without providing a detailed explanation of how this verification was conducted. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the disputed information. Therefore, I am requesting that Equifax provide me with the following information : XXXX. A detailed description of the procedure used to verify the disputed inquiries. 
XXXX. The business name and address of the furnisher of the information that was contacted during the verification process. 
XXXX. If reasonably available, the telephone number of the furnisher of the information. 

Equifax Report Confirmation Number : XXXX I have previously filed an identity theft report regarding these unauthorized inquiries and have provided all necessary documentation to Equifax. Despite this, the disputed inquiries remain on my credit report, and I am concerned about the adequacy of the verification process conducted. 

I kindly request your assistance in ensuring that Equifax complies with my request for information and that they conduct a thorough and fair investigation into my dispute. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to open a teen checking account with Capital One and I received various error messages so I called and spoke with an ( unknown ) representative who escalated my call and notified me that there was an account already opened using my child 's social security but with a different name. I was told that I would need to go to a physical location with the burden of proof that the social security number belonged to my minor child ( i.e birth certificate and social security card ). 

On XX/XX/XXXX, I called the FTC to file a complaint and they advised me to contact Capital One and have the account closed. I called Capital One and spoke XXXX and he told me he couldn't close the account and that I needed to go to the XXXX branch location. 
At the branch, I presented copies of my daughter 's birth certificate and social security card, XXXX called the customer service department, and we spoke to XXXX who said he couldn't close the account but he escalated the issue to XXXX, who said he would confer with his account manager but he too couldn't close the account. 

Separately, I called from my phone and spoke with XXXX who again refused to close the account but stated her social security account had been flagged as fraudulent but the account would remain open. This took over XXXX and a half hours to accomplish absolutely nothing.
Product: Mortgage

I 'm a veteran and I 'm trying to purchase another home. BB & T has incorrectly reported my late payments on my previous mortgage to the XXXX major credit bureaus. They reported that I was 120 days late on my XX/XX/XXXX payment when it was the XX/XX/XXXX payment that was 120 days late. Due to this incorrect reporting, it is preventing me from getting financed for a new home. We have worked with BB & T for the past XXXX weeks to fix this issue with zero results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off ofXX/XX/XXXX this has been going on since XX/XX/XXXX I've sent them letters certified and still have not corrected it count has been closed since XX/XX/XXXXand now they are real and putting charge-offs and late payments on XX/XX/XXXXI was also part of the Equifax breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for XXXX XXXX XXXX  free age XX/XX/XXXX it's been closed since XXXX
Product: Credit reporting or other personal consumer reports

Despite a previous written request, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company several times they replay by stating that they are following the credit laws which they clearly are not I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : United Consumer Finance account XXXX XXXX This company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumerr AXXXX XXXX and the person XXXX XXXX XXXX Making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Bank account or service

I open a student checking account for my son XXXX XXXX at a TD Bank in XXXX, XXXX XXXX so he could have money for a vacation he was taking XX/XX/XXXX to XXXX. When my son went to use the debit card, he had no money on the card. XXXX days later someone cashed a check in XXXX on XXXX at a TD bank for {$600.00} with the same last name ; but the check bounced so they took the money from my son 's account. I have been trying for the last 3 weeks to get his money refunded back to him and every time I go the XXXX Branch or call the XXXX number they keep giving my son and I the run around. This is clearly a mistake that they made, but they keep saying they are still investigating. My son is only XXXX years of age so there would be no reason why he would be in XXXX and even so he was in XXXX at the time the check was cashed. My son had to end his vacation early because he had no money to spend. I worked for the police department in XXXX so I filed a fraud complaint with the police department and a policeman went to the XXXX Branch to find out why they had n't refunded the money while they was doing the investigation and they said they were still investigating. He told the bank that did n't make sense because it clearly shows that the my son was using his debit account in XXXX when the {$600.00} transaction when through. The policeman told me that the reason why they are having a hard time finding a person on the cameras is because the check was probably cashed from someone inside the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that I do not recognize and are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the XXXX XXXX with a credit score of XXXX and I got an apr of almost 24. Where’s the justice in that?
Product: Payday loan, title loan, or personal loan

I was offered a pre-approval upgrade personal line of credit, was ( phone verified ) and have not received the personal line of credit even tough I was approved. Card approval # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all 3 credit bureaus as well as XXXX 5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Product: Credit reporting or other personal consumer reports

Constantly requesting information to show proof and validity of the reinvestigations of my complete and accurate identity theft reports. The credit furnishers refused to block fraudulent accounts and do a complete and full reinvestigation. The creditors or credit furnishers did not give me complete and verified information that I requested. It's easy to say my name and address and social is verified if someone is using my personal information than it would have be accurate. What about the rights of the consumer who has been victimized? I demand a full and complete reinvestigation and to block all fraudulent accounts listed on my complete identity theft report not pick and chose what should be blocked.