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

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00}, XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I received an alert about a hard inquiry made by XXXX Bank, being sure that I had not requested any service and I disputed it before XXXX and Transunion. Then in XXXX I received another alert from a hard inquiry from XXXX Bank and another from XXXX, being sure that I had not requested any service. I also did both disputes. At the beginning of XXXX I received calls from XXXX Bank and there I learned that the case of the month of XXXX corresponded to a XXXX XXXX XXXX requested in person at a store. Obviously it wasn't me because I've never set foot in a XXXX XXXX, I don't even know what it looks like inside. Later I found out that the other inquiry from XXXX Bank corresponded to XXXX XXXX XXXX and although if I have ever bought in that store, it has always been cash and I have never applied for a card or credit. And finally, I investigated, and the one corresponding to XXXX was related to XXXX XXXX, a store where I bought and had a credit card many years ago but closed it because I didn't use it. I closed it over 5 years ago.
Product: Credit reporting or other personal consumer reports

I requested a copy of my consumer credit report and was surprised to see there were accounts that didnt belong to me so I contacted my bank to have them to freeze all my accounts until further notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these inquires over 1 month ago. I did not authorize the following transaction XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 *XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX  XXXX Inquiry date : XX/XX/2020 *XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/2020 *XXXX XXXX XXXX  Inquiry date : XX/XX/2020 *XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXXnquiry date : XX/XX/2020 I noticed that they remained on my report after the issue was disputed the credit reporting agencies are in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I advised them in my certified letter that I didn't initiate these transactions and want these inquires removed from my credit report. I don't recall and as per FCRA the consumer reporting agencies are in violation of ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
I am seeking a home loan and this is ruining my credit reputation and causing higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unauthorized inquiries on my credit report to this day 10 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 605b it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt it has been over 5 days after the date of receipt so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car from creditacceptance and they are not reporting my payments to the credit burea, I purchased the car in XXXX and they have not reported one payment yet, and that makes my credit look bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attachment of non-verified line item provided- Credit Bureaus currently displaying non-verified information, thus breaking the law. They have yet to provide evidence regarding account ownership and the method of verification. They have not provided any documentation regarding their investigation.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXXXXXX which is on my reports. They responded that they could not find an account in my name. They are all still reporting it even after this creditor could not find my name in their account. The complaint number is XXXX on your site. I want the inaccurate account removed from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly 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 unfeasible. The CFPBs findings 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 reporting, credit repair services, or other personal consumer reports

Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. 

These are the accounts that's listed on my credit report. XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX Bank account # XXXX XXXX Card account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX. 

These are all the hard inquiries I didn't authorize to be ran XXXX XXXX XXXXXX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 Us Sm Bus Admin Oda 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/XXXX I did some research and found out that all credit reporting bureaus must be accurate with reporting on all XXXX bureaus. In accordance with Fair Credit Act these companies listed 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 consent. These are the hard inquiries listed. Not enough room on report to list all inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX XXXX Some of the accounts have different reporting information on different bureaus, meaning all information across all 3 bureaus must match. Numerous error'sI have found on these accounts. I have attached a complete copy of my most recent updated credit report.
Product: Credit card or prepaid card

i have been a customer here in good standing for many years. I had asked for a call back got one friday wherein i requested some follow up info. Specifically, why is my apr 18.99 for interest? when why how did that change? also asked as to the check i got the terms. can i deposit it? when will it be due WITHOUT penalty? XXXX  said she would call me on card ending XXXX nothing. i am busy not going on a wild goose chase. i tried chat got me nowhere with in accurate info. I am tired of scripts and being sent on wild goose chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and All Tran has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with All Tran.
Product: Checking or savings account

My Chase DDA had 3 service charges of {$12.00} due to my employer removing my direct deposit set-up to my Chase DDA. I called Chase on XX/XX/XXXX to inform them of why the direct deposits weren't coming in and that there is scheduled to be a direct deposit on Friday, XX/XX/XXXX therefore I wanted to see if the {$36.00} in fees could be reversed, bringing my account balance back to a positive {$0.00}. After a long hold on the phone, the representative indicated that he received approval to reverse the fees, which I would see credited in approximately 3 days. 

To my surprise, when I logged into chase.com on Friday, XX/XX/XXXX to view my direct deposit, my Checking account no longer appeared in OLB. I contacted Chase customer service again on Friday, XX/XX/XXXX and they informed me that the account had been closed. When asked why, I was told Chase closed it due to inactivity. When I spoke with the representative I explained that I didn't want the account closed and that the direct deposit of {$250.00} came into Chase on XX/XX/XXXX as planned ( and they confirmed ) so where are those funds and why was the account closed? 

In addition, I recived an e-mail from Chase on XX/XX/XXXX indicating that my deposit account statement was ready for viewing ... when I go to chase.com to view the statement, I can't because the account is no longer listed in OLB - how can they communicate a deceiving practice like this to consumers?
Product: Checking or savings account

I rented a car from next car in XXXX it was to be a four day rental it happened on XX/XX/XXXX and on XX/XX/XXXX I had a blowout on the tire I tried to contact the rental car company and could not reach anyone I left a message at the office that I rented the car from and I also left a message at the XXXX number I could not continue to drive the vehicle because the spare had a limit of 35 miles per hour and I was on a highway that had a 70 mph speed limit finally on Monday someone called me back I gave them the location of the car they came and got the keys and I'm not sure when they pick the car up the whole rental would have been XXXX which they pre-approved on my Visa debit card on the return of the vehicle I would have gotten my {$300.00} deposit back the next thing I know they billed my debit card another {$490.00} for a total of {$1000.00} for a less than 24-hour car rental I have tried to speak to them in regard to this which they refuse they then turned around and filed a claim with my insurance XXXX has denied their claim because they refuse to provide details or an inspection of the vehicle to them I believe this whole thing was a big scam I had to go through two previous cars with them before I can get one car that was safe to drive I disputed these charges with my Navy Federal credit Union account and they said the decision was ultimately up to XXXX  and because the next car rental company provided a rental contract with my signature on it they allowed the debits however the document they submitted for the {$1000.00} was not a document I signed I signed a document for {$590.00} they altered the original document and added charges to it and that is what they presented to Navy Federal credit Union and Navy Federal presented to XXXX
Product: Debt collection

I lived at the XXXX XXXX XXXX XXXX in XXXX Texas. I rented a, floor to ceiling,. windowed apartment, corner unit that looked down XXXX XXXX XXXX and a garden grass area. We rented that unit and paid additional rent based on its location, corner unit and full windows (that was how it was advertised "Corner Unit Full Glass"). After a couple of months and much construction dust the windows on the outside became filthy (I have pictures), from the outside. These windows were non-operable and could not be cleaned by any tenant. I wrote the landlord 7 times from XX/XX/XXXX to XX/XX/XXXX asking for them to clean the windows. Stating I rented a complete walled glass corner apartment and you can hardly see out of them. In my lease agreement Para 31.1 and 31.2 it states that after 2 requests stating a common area (exterior windows being common to the bldg.) is not maintained that my next course of action is to move out. I notified the landlord that I was moving out based on this language. They then told me someone was coming to clean the windows, which never happened. It is my understanding that they did have someone clean all the windows in the bldg about 3 months later and after my original lease expiration. 

I followed all the contract language, gave proper notice, paid my rent up to the last day, cleaned the apartment and did not deduct my deposit amount. The unit was left in perfect condition, as I have records of their final inspection. They have not returned my deposit and they want me to pay the last two months of my rent. 

XXXX (collection agency) contacted me in XX/XX/XXXX, I had communicated (writing and Phone call) with XXXX XXXX of XXXX XXXX, XXXX XXXX of XXXX, XXXX XXXX  of XXXX, XXXX XXXX oXXXX XXXX, I have written and talked directly to each of these  people I have even written the President of the Apartment complex. None of these people ever get back to me. They say they will then I just receive another letter 30 days later. I have told and written to them I do not owe them money that they owe me $XXXX rent deposit. But they just ignore me and send me another letter.
I tried to negotiate, starting with return my deposit ($XXXX) to return $XXXX of the deposit. But XXXX states that they are a collection agency and don't have the money. 

They continue to write false letters stating that they attempt to contact me and I do not respond, this is not true my last contact was with XXXX XXXX onXX/XX/XXXX, here is her response:
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On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX  wrote:
I didnt say you arent right I happen to agree with you and I plan to point this out to their bosses to see where it goes. 
 
XXXX XXXX
Client Support Specialist
XXXX XXXX XXXX XXXX
XXXX ext XXXX
Fax XXXX
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Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me XXXX XXXX XXXX $ XXXX dispute XXXX XXXX XXXX $ XXXX $ XXXX dispute XXXX XXXX INT $ XXXX dispute XXXX XXXX {$270.00} /dispute
Product: Checking or savings account

XX/XX/23 XXXX in charges were charged to my account in the middle of the night - 9 charges to one merchant. I received a text asking if it was me which woke me up in the middle of the night. I responded no, immediately turned off transactions and cancelled the card. I filed a dispute, declined. I filed a rebuttal, declined. I filed a rebuttal which included a copy of my transaction history with the merchant and a police report, declined. On the phone just now they told me to file and insurance claim. When I asked what needed to be given to them outside of my first born child ( I was upset ) they just repeated the things I already submitted to them. Their literally is nothing else to give. 

I have attached a copy of the police report, XXXX complaint number, transaction history as well as account information.
Product: Checking or savings account

My chase bank checking account was charged {$60.00} from XXXX. I have not purchased anything from XXXX. Ive contacted Chase about it and they are sending me a form to sign through mail but have not reversed the charges. I have had another incident where I was charged three times from a XXXX XXXX in XXXX. I live in XXXX XXXX. Make this make sense. The hacker sent something to a midwestern state. Chase did not fight for me and I was still responsible for {$100.00} for something that I did not receive and never ordered in the first place. I am contemplating moving my money to a different bank simply because this is an ongoing incident, there are apparently no protocols or protection for consumers from Chase bank, and then even when your information is stolen, Chase does nothing to help.
Product: Debt collection

I received a voicemail at work from XXXX XXXX, he advised that I would be served and that he had verified the policies and proceedures at my office with my employer to serve me. I returned his call and he advised that he had 6 month of my bank account statements. He advised the he was in the legal dept and he would proceed with action. I asked for confirmation of what this was in regards to and indicated a company I had never heard of. Asked XXXX times to have this information sent in writing. He declined
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a dispute to delete the XXXX XXXX XXXXXXXX collection from my Transunion account through XXXX XXXX. On XX/XX/year> I was denied a deletion. However, on XX/XX/year> XXXX deleted the collection from my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter fro XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nc XXXX stating they were going to file a civil lawsuit against me for not repaying the XXXX XXXX XXXX loan for {$1800.00}. I immediately called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX and she searched their systems to see if she could find me with a loan from XXXX XXXX XXXX which she couldn't. She only saw I had a loan for Cash Central which is a totally different company. She said it sounds like they are trying to scam you into paying a fictions debt. I tried to call XXXX XXXX XXXX and also emailed them on their website and they did not call me back or respond to my email.