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

I want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these bogus items that were added to my credit report as a result of the alleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX A XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX BANK XXXX XXXX : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Fraudulent Charges on Credit Card Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding fraudulent charges on my credit card. Below are the details of my complaint : Credit Card Issuer : Discover Bank Credit Card Number ( Last XXXX Digits Only ) : XXXX Date ( s ) of Fraudulent Charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Total Amount of Unauthorized Charges : XXXX Description of Fraudulent Charges : XXXX There are charges on my credit card that I did not make, and I believe my rights as a consumer are being violated. I first noticed these fraudulent transactions on XX/XX/XXXX and immediately contacted my credit card issuer on XX/XX/XXXX. I followed their dispute process and provided all required documentation. Despite my efforts, my credit card issuer has failed to properly resolve the issue. After months and months of multiple phone calls asking me to send in additional documentation, or stating that I needed to send it to a different number, my claim was finally denied in XX/XX/XXXX I am requesting that the CFPB intervene to ensure that : The fraudulent charges are properly investigated. 
Any unauthorized charges are removed from my account. 
My credit card issuer complies with applicable consumer protection laws, including but not limited to : The Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 et seq. ), which mandates that creditors investigate and correct billing errors, including fraudulent charges, within a timely manner. 
The Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ), which limits consumer liability for unauthorized electronic fund transfers and requires financial institutions to provide prompt resolution to disputes.

The Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ), which ensures fair and transparent credit billing practices, including clear disclosure of dispute rights. 
Regulation Z ( 12 C.F.R. Part 1026 ), which implements the FCBA and outlines specific timelines and procedures creditors must follow when handling billing disputes.

Regulation E ( 12 C.F.R. Part 1005 ), which implements the EFTA and protects consumers from unauthorized electronic fund transfers while requiring prompt fraud resolution. 
I have attached copies of all relevant documents, including my dispute correspondence with my credit card issuer, statements highlighting the fraudulent transactions, and the police report number ( for the first one ) and the actual police report specifically listing my Discover credit card ( which the credit card company requested ) for the second.

Please let me know if you require any additional information. I appreciate your assistance in resolving this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In account with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

Hello, I have disputed an account that is being reported on my credit profile with a company by the name of " Fair Collection & Outsourcing. '' several times. I have NEVER had done with business with them or an account with this company. I do not know who they are so I have requested their company to provide me with legal documentation of their rights to collect on this alleged debt. As you see in the letter they are stating that they are not legally required to respond to my requests. I have being trying to rectify this matter for well over three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE NOT MIND THERE ARE FRAUD ACCOUNTS AND I CONTACT THE CREDIT COMPANYS AND THERE STILL SHOW ON MY FILE IN NEED THESE ACCOUNT REMOVED ASAP. 


XXXX XXXXXXXX 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
Product: Debt collection

On XX/XX/2020, I paid the amount in full of {$3900.00} for a delete letter and deletion of the debt off my credit report and it was never done. 

XXXX XXXX, I sent out a verification letter to prove the debt or deletion in 30 days and they never responded. 

XXXX XXXX I sent out another verification letter to prove the debt or deletion in 30 days and they still never responded. 

I need the entire account deleted off my credit report.
Product: Credit reporting or other personal consumer reports

Morgan Stanley is reporting false information related my closed account # XXXX. At no point, my account had insufficient funds. 


Return Transactions Tran Type Date XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Check Number Amount {$150.00} {$100.00} Return Reason Insufficient Funds Insufficient Funds
Product: Bank account or service

I have several CD 's at GE Capital Bank XXXX online bank ). They are maturing at different dates in the month of XXXX. A month prior to each of the CD maturity dates, GE sent me an email notice informing that my CD would mature within a month and that I needed to contact them by phone to give them instructions on how to disperse the money. In the absence of my contacting them, the money would automatically rollover into another CD of the same maturity length of time. After I received the emails I called GE to request, upon maturity of my CDs, that the principle and interest be deposited into my online saving account and not to automatically roll the CDs over into another CD. The GE representative informed me that they could not process my request until the actual maturity date of the CD. However their previous email is misleading in that respect. It implies that I could call them at any point between the time that I got the email to the time of the CD maturity. Below is the copy of the email that they sent me : This notice is to inform you that your XXXX CD Account with GE Capital Bank is due to mature on XXXX/XXXX/2015. 

Please contact us by the maturity date with instructions on how you want to renew your CD. If you do not contact us, your entire balance will be automatically rolled over into a XXXX CD. The interest rate and the annual percentage yield ( APY ) have not yet been determined. Please call after the maturity date listed above for the current renewal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my Transunion credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing My credit report and noticed that I had some inquiries that I did not authorize.
Product: Mortgage

THIS IN REGARDS TO THE 2ND MORTGAGE WITH COASTAL FINANCIAL IN NEW JERSEY, XXXX IS MY PRIMARY MORTGAGE AND I AM CURRENT WITH THEM. 

COASTAL FINANCIAL IS TRYING TO FORECLOSE ON THE PROPERTY, I BELIEVE THEY HAVE SOLD THE LOAN TO XXXX XXXX IN XXXX, NJ. I HAVE BEEN TRYING TO GET THEM TO MODIFY THE LOAN AND HAVE NOT BEEN SUCCESSFUL. THIS COMPANY DOES NOT DO ANY TYPE OF LOAN MODIFICATION APPLICATION, ONLY A VERBAL WITHOUT OBTAINING ANY FINANCIAL AFFIDAVIT. THEY EXPECT A LARGE DEPOSIT TO BE MADE, FOR INSTANCE I WAS TOLD TO PAY ABOUT {$3900.00}, THEN WITHIN A FEW WEEKS ( AFTER I HAD XXXX AND COULD NOT MAKE THE {$3900.00} DEPOSIT ) IT WENT {$6100.00} WHICH I THEN MADE. A CONTRACT WAS THEN DRAFTED BY THEM AND I DID NOT AGREE TO THE TERMS, BECAUSE THEY WANTED AN ADDITIONAL {$8800.00} ON TOP OF THE {$6100.00} TO CONTINUE WITH THE MODIFICATION. I BELIEVE SOME HOW THESE PEOPLE ARE TRYING TO RIP ME OFF. I DID GET MY {$6100.00} BACK WHEN I REFUSED TO GIVE THE ADDITIONAL {$8800.00}, NOW THEY ARE MOVING FORWARD AGAIN WITH THE FORECLOSURE. I NEED HELP, THESE PEOPLE ARE TRYING TO STEAL MY HOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account 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 XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Mortgage

I 've applied for mortgage with EverBank on   XXXX    despite providing all the required information on time, the underwriting failed to close the loan on time  (   XXXX / XXXX /  XXXX   ), resulting in additional and unnecessary financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX  XXXX XXXX XXXX Balance : {$6500.00} ; XXXX   XXXX XXXX XXXX Balance : {$0.00} ; MI XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX debt bondage, which falls under XXXX  according to XXXX- Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information Transunion. Please delete the following accounts. 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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX  have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

9,102
Product: Credit reporting or other personal consumer reports

The company is reporting this vehicle on my credit that I no longer have gave the vehicle back in XX/XX/XXXX they keep going up on the price of what I owe! This car was a lemon! I have reached out several times and I havent gotten any info from the company theyre still reporting late payments after i voluntarily surrendered the car, thats inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). Once i turned the car in, i was no longer responsible for monthly payments, and they can not legally keep reporting late payments on an account that should be closed or charged off.
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 # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX.- Account # XXXX Account name : Department of Education.- Account # XXXX Account name XXXX XXXX Account # XXXX Account name : XXXX  XXXX. 

Account name : XXXX XXXX Account name : Screening Reports Account name : XXXX XXXX XXXX XXXX, Has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681.

And according to 15 USC 1681 they are supposed to do this. Treatment of inaccurate or unverifiable information. 

In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file for the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, And according to 15 USC 1681 they are supposed to 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

There are multiple companies reporting a debt that was incurred while I was living in a different state and someone else obbously used my info to go to the er The companies are Avante XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted a complaint about a sham account being opened by us bank that was closed stating the it was resolved. This has not been resolved. I was hit with a hard inquiry and sent a credit card that I never applied for. US bank was just recently fined for these exact actions. I did not apply for the card nor did I approve a credit inquiry. The inquiry hit my credit report on XXXX and then I received a card which had my check my report on XXXX. I prefer if this was not closed until the matter is resolved. 

THIS IS NOT A DUPLICATE COMPLAINT! THIS IS NOT A THIRD PARTY SUBMITTING ON MY BEHALF!
Product: Student loan

I am a Victim of ID Theft and I am trying to improve my credit. I went through a lot and I owe {$50000.00} without certification and I am XXXX years of age. I have asked for consolidation of my school loans, I applied for a credit card with XXXX XXXX. I was turned down due to negative items on my credit file, when I checked I have XXXX negative accounts without any explanation that everything was consolidated. Now the negative items are there from XXXX plus negative items of school loans still from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis is reporting my name incorrectly ( XXXX " XXXX '' XXXX ) in connection to two XXXX XXXX XXXX accounts on my consumer report. 

Attached you will find a copy of my USA issued passport ID as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance {$320.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles 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 claim adequately. They informed me that covering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Student loan

I work for the XXXX XXXX XXXX a qualifying non profit through FEDLOAN forgiveness. I have been making payements for 2 years and 6 months. I have learned that non of my payments have qualified. I set it up through them for income based payment, and direct debit through them for the payment. So this year, they have taken my yearly job certification and they have ignored it. They say my current payment is {$910.00} a month. I called and resubmitted the paperwork and the associate said it would be corrected and apologized. Now our billing statement has come out and again asking for {$910.00}. Also, all my uploaded documents have been removed from the " upload history '' on the website. So I faxed over the docs this year since they said they could n't locate the docs I uploaded. <P/>I do n't know what to do since I have done everything to try to fix this and too have all my previous payments go to waste it 's a little defeating. I hope that reporting this will help move the dial into fixing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive previously disputed account XXXX on my credit report and Experian continues to update the status of the account without verifying its validity and accuracy. Previously it was reported as open now it reports as discharged in XXXX  XXXX bankruptcy. An inaccurately reporting bankruptcy was removed from my credit report as of XX/XX/2023 due to its inaccuracy. Therefore, the reporting of this XXXX account is INACCURATE and is violating my consumer rights and hindering my credit score. Theres no way this account should be reporting as included in a bankruptcy that does not exist or belong to me ( per the deletion which shall remain deleted ). I am in the process of obtaining legal action against Experian for inaccurately reporting accounts on my credit profile.
Product: Payday loan, title loan, or personal loan

Car title loan amount {$20000.00}, monthly payment {$580.00} a month, this amount go to the principal of {$200.00}, and {$370.00} go to interest rate. 
The financial agreement did not show the interest rate in the paper contract.
Product: Credit card or prepaid card

I sold a XXXX solar system to a client for {$32000.00} paid in two separate installments of {$17000.00} and {$15000.00} using XXXX as the purchase intermediary and payment processor. Prior to delivery of the equipment and completely unbeknownst to me ; the buyer requested a credit card chargeback of the {$15000.00} payment and yet still took delivery of the equipment! That is out and out fraud. 

I was never aware of the charge back request at any time until a week AFTER the customer took delivery and signed off as accepting the merchandise in perfect condition. Once I was made aware of the issue by XXXX, I contacted the customer and informed them that I was bringing legal action against him for fraud. He attempted to portray that entire incident as his bank 's fault and " a big misunderstanding. '' He informed me that he had contacted Chase Bank and they were processing the reversal of his charge back request. 

I have been completely shut down in my business due to this incident that is entirely outside of my control. I did exactly as I agreed to do and I delivered the merchandise in perfect condition. I have other cash payments and other customers that have had their purchases halted because XXXX has frozen all of my accounts while waiting for confirmation of the reversal of the credit card chargeback request. I have been told that it could be 2-3 MONTHS before Chase Bank and XXXX process the reversal and allow me access to my own money!!! 

That is not fair, and most likely not even legal and adhering to current banking laws. In the 21st century, when financial institutions can authorize and send money anywhere in the world in a fraction of a second ... they should be able to REVERSE a transaction quite easily. They should not be allowed to freeze a small business owners accounts and put them out of business while they take their sweet time to process the reversal of a charge back request. I am requesting that the federal government get involved to address these arcane, patently unfair and totally outdated financial institution practices.