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

I am writing to formally demand the immediate removal of inaccurate information from my credit report. Upon review, I have identified errors that do not pertain to me and must be corrected to ensure the accuracy of my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all information on a consumers credit report is accurate, complete, and verifiable. The disputed information fails to meet these standards, and I am exercising my right to have it thoroughly investigated and corrected. 
To support my dispute, I have enclosed the following documentation : 1. A copy of my government-issued photo identification.

2. A copy of my Social Security card.

3. A copy of my credit report with the inaccurate information clearly highlighted. 
I demand the following actions from Experian : 1. Immediate Removal of the Inaccurate Information : The disputed information must be deleted from my credit report without delay.

2. Written Confirmation of the Removal : I expect written notification of the results of your investigation, as required by law, including confirmation that the inaccurate information has been removed.

3. Provision of an Updated Credit Report : I request an updated copy of my credit report reflecting the removal of the disputed information.

4. Assurance of Compliance : I expect Experian to implement steps to ensure that its reporting practices adhere to the FCRA to avoid future inaccuracies. 
This matter requires your urgent attention. Failure to resolve this issue within the legally mandated 30-day investigation period may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursuing legal remedies. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution and confirmation of the corrections. 
Sincerely, XXXX XXXX XXXX Enclosures : Copy of Government-Issued Photo ID Copy of Social Security Card Highlighted Credit Report
Product: Credit card or prepaid card

unable to report unauthorized charges on Bank Of America XXXX prepaid card. I have been calling for over two weeks with 3 hour hold times.
Product: Credit card

On XX/XX/2023. Someone charged {$430.00} to my Best Buy account from a different city than where I live. I reported this to Best Buy credit service and they canceled the card and reissued it. They also credited the charge. However, when I got the new statement, Best Buy charged my account {$430.00} x 3= {$1200.00}. On XXXX XXXX, when I called to have this corrected ( XXXX ), they said I would have to wait 60-90 days for their investigation to conclude. I told them to please credit off the account as they promised, which I was told they would and I canceled my account. Today, XX/XX/2023, I was contacted by Best Buy to bring my account current with a {$29.00} late fee and {$32.00} interest. Bringing this amount up to {$1300.00} of which I never charged. They told me to contact security operations again ( XXXX ) to correct the problem. After two months, I do not believe I should have to deal with this any longer.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I only have one name no aliases and only one address
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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
Product: Credit reporting or other personal consumer reports

Hello, I have been having a really difficult time getting my credit report properly updated and have gone through months of disputing errors and balances that have been paid off with XXXX, XXXX and transunion. I've made the disputes online, called, sent the disputes with proof of receipts, bank statements and even pay off notices and the disputes are coming back unchanged. XXXX has even removed my paid off balances and then posted them back. This has decreased my score XXXX points and once it was removed again it only increased it XXXX points. They just decreased my score again XXXX points without any reason. I still have yet to get an account updated to {$0.00} balance even after supplying all credit bureaus with the information. XXXX says the disputes are resolved within 2-4 days even when those days are holidays and weekends. The furnishers have stated directly they are NOT being contacted by the bureaus regarding these disputes and they are reporting the appropriate balances. I have no idea what to even do anymore, this has become beyond stressful and frustrating. I would really love for someone to look into these investigations and help me resolve they errors that are severely impacting my life and future. I'm willing to provide all forms of proof of investigations, any and all documents that were submitted, etc.the most recent dispute that I've submitted several times with all bureaus I have provided bank statements, receipts and the pay off notices. I have attached that notice here. I have 100s of pages of proof of these falsely " investigated '' disputes, unfortunately I can't attached everything as it won't allow me to due to the document sizes. If they were even looked at it is very clear this information is incorrect. Not only this, but all of them have extreme variations on the information. For example, XXXX says I have no late payments on a past loan with XXXX and transunion and XXXX posted 6-9 " late payments '' for the account over a year after the fact even when the account was paid off early and was never late. This has yet to be resolved. 29 page documents and evidence was sent to both of the bureaus with no resolution. I can't even write enough to explain all of the issues and frustrations, I'm trying to by a house but this will never happen if this continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, notice to all, I am me meaning the name is of me not me ; all likeness and creation is of me and not me, though I is me. I am the consumer in fact, natural person, original creditor, lender, executor, I am the principal XXXX XXXX, I owe no allegiance to another I revoke all prior under signings, underwritings for all matters proceeding. I speak all my facts without prejudice. 

Fact, I consumer XXXX, XXXX was violated by Transunion pursuant to 15 USC 1681b ( 2 ). 

Fact, When Transunion received my affidavit of truth the accounts were removed from my consumer file. XXXX accounts were deleted. 

Fact, pursuant to 15 usc 1681 N -Civil liability for non-compliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Fact, I sent Transunion a affidavit of truth, opportunity to cure, and a finally an affidavit of truth giving them 10 days to respond on the final notice. The notice was received by transunion with an invoice as well. Transunion received my letter the 10 days are past, and my affidavit stands unrebutted. 

I demand double the amount requested. Transunion is corrupted, non-responsive, and was actively committing identity theft. 

Fact this is my last attempt to settle this matter before proceeding to take the ligation route and get a federal court. 
Fact, Receipt number XXXX is my certified mail receipt for default of opportunity to cure. 

Fact, Receipt number XXXX XXXX XXXX, XXXX, XXXX is my receipt for my opportunity to cure. 

Fact, Pursuant to 15 usc 1681 ( n ) I demand XXXX x XXXX accounts that were deleted, and Transunion owes me an additional XXXX for not responding to my demands for they could never prove my accusations as false. deletion is admission. No consent is identity theft. 

I swear all information provided herein I do so under the penalty of perjury that the information I so Affirm to be true, correct, accurate, to the best of my knowledge in ability. 

If this matter is not resolved in the next 10 days i will reach out to the attorney general and federal courts regarding this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed item to be removed being   XXXX    removed item from my report as a result of their investigation.
Product: Credit card

I am filing a complaint against Chase Bank regarding their credit card services, particularly their claims department. I have XXXX credit claims for which I submitted the required documentation both online and at a branch location. Throughout the process, I was advised by the claims department to visit a branch to escalate the issue and submit the necessary proofs. Despite following these instructions, I was later asked to restart the claims process, which has been extremely frustrating. 

When I attempted to resubmit the claims, I found that there was no option available online, and customer care was unhelpful in assisting me with this matter. The entire process has been unnecessarily stressful, and despite multiple attempts to escalate the issue, no action has been taken to resolve my claims. I am terribly frustrated and seeking your assistance in addressing this matter with Chase Bank.
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 violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveinience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Company did not provide original signed documents of me agreeing to paid debt nor did they provide proof of business license allowing them to practice in my state. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Auto # XXXXXXXX XXXX # XXXX, XXXX LAW # XXXX, XXXX LAW # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau previously deleted an account from my report in accordance with the Fair credit reporting Act-. The account was reinserted on my report without any notice or reasons from my dispute. 

PREVIOUSLY DELETED - XXXX XXXX XXXX - ACCT + XXXX - Credit report # XXXX REINSERTED as XXXX. XXXX XXXX -Original creditor- XXXX XXXX - on XXXX XXXX - Account # XXXX
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 claims adequately. They informed me that recovering lost forms 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

I need XXXX blocked from reporting on my credit. 
Also need XXXX XXXX XXXX from reporting on my credit, I was identity thefted. And I do not have a balance with either account. I've never had balance on XXXX XXXX, and what I ordered on XXXX I paid out time and all amount owed hat balance in not mine. I need the accounts removed and the companies BLOCKED due to identity theft. Theses accounts are fraudulent.
Product: Credit card or prepaid card

Account Holder held a credit card account with Bank of America, Bank. As part of the billing agreement, Account Holder enrolled in the autopay feature, which authorized Bank to deduct the monthly payment due from Account Holders bank account automatically. In XXXX, Bank erroneously billed Account Holder an amount greater than the actual balance Account Holder owed. Specifically, the autopay deduction exceeded the correct amount by approximately {$390.00}. This overbilling resulted in a negative credit balance in Account Holders account. Upon discovering the overbilling, Account Holder immediately contacted Bank on XXXX separate occasions, specifically on XX/XX/23, XX/XX/23, and XX/XX/23, via Bank customer support phone line accessed through Bank mobile app. During each interaction, Account Holder informed the Bank representatives about the discrepancy and requested a refund of the excess amount and to close the account. Account Holder provided all the necessary information requested by the representatives and cooperated fully in resolving the matter promptly. Despite Account Holders repeated attempts to rectify the issue and the assurance given by the Bank representatives, Account Holders money has not been refunded to date. The delay in reimbursing the overpayment has caused undue inconvenience and financial hardship. In light of the above circumstances, Account Holder believes it is evident that Bank is liable for the outstanding debt owed to Account Holder, in addition to interest. 

NOTE : Attachments include account statement and call logs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these companies are in violation of the FCRA LAWS. reporting to my consumer report is a form of communication 1692c. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 


If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

please remove this information off my report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Noticed two Fruad accounts appearing on my credit reports XXXX. XXXX XXXX XXXX XXXX {$4500.00} XXXX. XXXX XXXXXXXX XXXX {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Need to File a complaint on Transunion I have asked them to investigate an account that I'm not sure is mine They keep claiming that the info was Verified as belonging to me I had asked them to send me Physical Proof as to How they investigated it and they refused I had reached out to the creditor they told me that they had no information about the account so I asked Transunion to look into but they have failed to do their Jobs I need physical proof that this account is in fact mine I need a credit app or any type of voice auto that it is in fact my account if they can't send me either of the requested info this account CAN NOT BE REPORTED IT HAS TO 100 % VERIFIED! so I will asked again and this will be my last before I take legal action XXXX XXXX ACCOUNT XXXX Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section  611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer. I am the natural person who is protected by the XXXX XXXX and XXXX XXXX. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For 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 XXXXXXXX. This complaint is against XXXX BANK by me, XXXX XXXX XXXX. Date of XXXX XXXX is XX/XX/XXXX. US BANK has flagged a closed account in our name. We sold our house in XX/XX/XXXX. US Bank is alleging we voluntarily foreclosed on our home. They are making adjustments to unlawfully created accounts in our name. They have recently made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my wife. US Bank did not disclose this to us nor did they have our consent to report to any consumer reporting agency or make adjustments to any accounts in our name. They have unlawfully used our identification information to commit fraud violating XXXX XXXX XXXX and 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. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in an attempt to defraud the United States and XXXX XXXX XXXX as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed US BANK flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The Deed was sold to Open Door to avoid the continuous threats, abuse, and harassment from US Bank and XXXX Mortgage. The threats, harassment and abuse caused us personal injury not only to ourselves but also to our family and private personal property. US Bank and XXXX Mortgage listed us as tenants in their unlawful, illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both XXXX Mortgage and US Bank. They deceived us but the proof is in the sale. The documents we retained from the sale of our home required signatures of the OWNERS of the home, which were myself and my wife XXXX. The consumer reporting agencies failed to verify information before lowering my XXXX XXXX XXXX points both times. XXXX and again in XX/XX/XXXX. US Bank, XXXX Mortgage, XXXX, XXXX, XXXX are guilty of frauds and swindles, Identity theft, Aggravated Identity theft, Failure to protect customer information of financial institutions and so much more.