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

XXXX XXXX offered my a couple of credit cards, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX, every month they run my credit score, they lower my limit, and now they have closed 2 of my cards. Why? i have always paid on time and more whats due. They are the ones messing with my credit score. When they lower the limit it makes me overlimit.
Product: Credit reporting, credit repair services, or other personal consumer reports

ve been contacting the credit bureaus for XXXX months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely examined. In spite of my endeavors, I presently can't seem to get any goal or remedial activity. These mistaken records are seriously harming my credit document and ruining my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is going on at the earliest opportunity. I sympathetically demand that you lead an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the precision and respectability of my credit document so I might recover command over my monetary prosperity. I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items 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 any accounts or information which is 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. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Civil Liability for Negligence and Non-Compliance under 15 U.S. Code 1681o I am writing to formally dispute the inaccurate and improper handling of my credit information by your company, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o. Your failure to comply with the requirements of the FCRA has resulted in negligence, causing harm to my financial standing and personal reputation. 

Upon reviewing my credit report, I have identified errors that your company has failed to correct, despite my previous attempts to resolve this matter. These errors include but are not limited to : 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 As mandated by federal law, you are required to ensure the accuracy and proper handling of consumer credit information. Your failure to comply has not only resulted in financial and emotional distress but also constitutes a violation of my consumer rights under the FCRA. 

Pursuant to 15 U.S. Code 1681o, I am requesting the following corrective actions : 1. Immediate investigation and removal/correction of the inaccurate information. 
2. A detailed written response outlining the actions taken to rectify this issue. 
3. Compensation for any damages incurred as a result of your non-compliance, including legal recourse if necessary. 

Failure to comply with this request within the legally mandated timeframe may result in further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal claims in a court of law. 

Please consider this my formal notice of dispute. I expect a written response within 30 days, as required by the FCRA. Should you fail to address this matter appropriately, I will take further steps to seek the necessary legal remedies. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate resolution and compliance with federal law. 

Sincerely, XXXX XXXX
Product: Credit card

UPGRADE INC Account # XXXX, I recently viewed my credit report and notice an item was turned into a charge-off. I never received a 1099 form and was wondering could you please send a 1099 foe the item that is reporting as a charge-off on my credit report.
Product: Debt collection

Today I noticed a charge of {$160.00} debited out of my Navy Federal Checking Account. I contacted NFCU to see what this charge was for and was advised by a supervisor by the name of XXXX, managers name is XXXX that I previously owed a debt that was charged off in XX/XX/XXXX.  However this debt to NFCU was included in bankruptcy that was filed on XX/XX/XXXX in the US Bankruptcy Court XXXX District of Georgia, Case XXXX, the meeting of creditors was held on XX/XX/XXXX and case was discharged in XX/XX/XXXX. When the bankruptcy was filed NFCU closed all of my accounts. I recently reopened my NFCU account in early XX/XX/XXXX. All the representatives were aware that my accounts had been included in bankruptcy and because of this I had limited functions on my NFCU checking account and still do. I would like to add that the accounts which include a checking/savings, credit card and personal loan are also listed on my XXXX, XXXX and XXXX Credit report as being filed under a bankruptcy. My rights have been violated under the Federal Fair Debt Collection Act and I am requesting that this issue be carefully looked into. This is unfair and has caused emotional stress. Now I am worried that my money that I have worked hard for is not safe in this account and that NFCU is  unpredictable and will attempt to debit money out of my account in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard Inquiry for a request for Credit I DID no authorize from a division within XXXX   XXXX XXXX. Additional there is no contact information in my credit report to directly dispute with the company that entered the data. ( under FCRA law this should be there. classified as " missing information '' )
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN:XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXXXXXX XXXX with account number XXXX  If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Credit reporting

Fin Crt Nwt Accounts # XXXX & XXXX, are the same accounts. It was on their as XXXX separate accounts at one point. I requested them to be looked at XXXX months ago by credit bureau as duplicates. Financial credit and I have been going around for years. I pay an account. They claim it was for a different account. Give me every excuse in the book why I 'm wrong. I paid on a different account. Then they Make another account look like its a new account when it 's well over XXXX years old if not longer. XXXX women collections staff members are very unprofessional. Talk to you rude and very disrespectful. I had to stop answering my phone due to them raising my XXXX XXXX and getting angry.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, XXXX, XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX Bal. {$12000.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$6400.00}, XXXX. XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX Na Account # XXXX date opened XX/XX/XXXX bal. {$650.00}, XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$430.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$300.00}, XXXX XXXXXXXX XXXX XXXX Account # : XXXX date opened XXXX XXXX {$250.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, 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 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I am sure you are aware by now Equifax, a consumer credit reporting agency in the United States, allowed -- through total criminal negligence in violation of laws governing the handling of such data -- for the disclosure of the personal information of about 143 million people both in the United States and abroad. This information included dates of birth, social security numbers, names, drivers licenses, and in some cases credit card numbers. All information that can easily be used to steal and ruin someones identity. 

Through their complete incompetence, these data were made available to hackers through a web vulnerability. It 's unconscionable to me how a company who 's only responsibility is to manage this data for the purpose of generated credit reports were so reckless with where and how the stored the data that this was able to happen in the first place. 

They were also well aware of this months before they made this information public.
Product: Checking or savings account

In XXXX of this year I received a letter in the mail from the State of California about unclaimed money ( approximately {$530.00}, from an XXXX XXXX XXXXXXXX account ) that belonged to me. I contacted Bank of America, where the account was held, and asked them to please mail me a check at my new address. The bank agreed and said the check would arrive in XXXX business weeks. It is now 9 months later and I have not received my money. I am XXXX XXXXXXXX and this having this money would make a real difference to me here at XXXX time.
Product: Credit card

I was contacted via email by Capitol One at XXXX PDT on XXXX/XXXX/16 regarding potential fraudulent charges. In fact, they were in the amounts of {$900.00}, {$950.00}, and {$8.00}, which maxed out the limit of the master card. After filing the necessary information with Capitol One, they credited the account for the charges plus all associated fees. But, they refused to release the available credit pending the investigation up to 90 days. 

So basically, I 'm being punished for fraud and have XXXX available funds to the card for 90 days. Given that I have contacted the businesses involved, gotten the suspects physical description from a business and subsequently filed a police report, spoken to multiple police agencies where the fraud occurred, filed this report ; I do n't see why I 'm being punished for this fraud.
Product: Checking or savings account

On XX/XX/2024 I noticed a pending transaction in my USAA checking account for {$300.00} to XXXX XXXX XXXX XXXX. I immediately contacted my bank for stop payment and to freeze my debit card. I was told the whoever this company was they had my account number and routing number and not my debit. USAA started a fraud review, and I requested a dispute on the transaction, since I do not know who this company is and have never given XXXX XXXX my account information or authorized them to charge me for any product or services. I searched the web and found that there's an XXXX XXXX XXXX in North Carolina and an XXXX XXXX XXXX XXXX in XXXX, Florida. I emailed both and had no response except one failed mail delivery for the email provided.
Product: Money transfer, virtual currency, or money service

Im Reaching out to formally express my concerns regarding Zelle 's handling and disputes, particularly in the light of the recent CFPB lawsuit highlighting Significant issues witht the platform. Despite using Zelle numerous of times 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and it raises serious concerns about consumer safety
Product: Credit card or prepaid card

I signed up for an UBER Visa Card from Barklays about 2 years ago. I opened the card solely due to the attractive cash back the card offered. Recently I was notified by Barklays that the rewards would be changing, and would only be redeemable via UBER Cash. I believe this is a bait-and-switch. I would never had opened up a credit card if i knew the rewards were only good for UBER Cash. Now I am stuck with this card, and I am afraid to close it due to negative impacts on my credit score.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 



In accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vl Section 611, provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Under 15 U.S. Code 1681 ( b ) Accuracy of report 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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 ( 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. 

XXXX XXXX XXXX XXXX Opened on XX/XX/year>.
Product: Debt collection

I've personally being trying to resolved this issue for close for a last year now. I am becoming fed-up and I have no idea what to d. It has to be something you guys can do. My ex husband default on a loan that I personally am not responsible for. We filed a XXXX of XXXX on XX/XX/XXXX. On XX/XX/XXXX, I granted and assigned any all interest of real property regarding XXXX XXXX  XXXX XXXX, XXXX, OH XXXX through a Quick Claim Deed to XXXX XXXX. According to my credit report it appeared that XXXX started defaulting on this loan sometime in XXXX. After granting all responsibilities as well as XXXX XXXX it appears that XXXX XXXX Resolutions will not honor that I have no involvement with this debt. 

In fact this creditor is reporting this debt as open only on one credit bureau XXXX, just so they can continue report monthly pass due amount. I find it strange that XXXX  has the account closed, I don't even know how that is even possible that they can report it open on one and closed on another damaging my credit month in month out. I thought I read something somewhere that states that all information should report consistent and accurate. At this rate this will never get off credit report as along as this Creditor keeps reporting open on XXXX. I feel like I'm doing jail time for someone else default I've been going back in forth tryin to get this issue resolve with no avail. My most recent letter was sent on XX/XX/XXXX as of today XX/XX/XXXX. I have not receive any correspondence with this issue. I've been trying to move on with my life and have the legal proof to prove it but this creditor refuses to honor and do the right thing. I have attached my most recent letter to the creditor below
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 ally bank uses a fake consumer reporting agency called XXXX XXXX.  They have my credit score as XXXX. I have XXXX with XXXX  h XXXX  XXXX with XXXX  and XXXX with XXXX  this resulted in a much higher than should have been interest rate. Didn't even know this fake credit reporting was legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER HAD AN XXXX XXXX ACCOUNT EVER. I HAVE XXXX XXXX. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT AGENCIES BACK IN XX/XX/2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX XXXX FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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, Last 4 of acc # XXXX Account name : XXXX XXXX XXXX XXXX, Last 4 of acc # XXXX Account name : XXXX XXXX XXXX, Last 4 of acc # XXXX Account name : XXXXXXXX XXXX, Last 4 of acc # XXXX 15 U.S.C 1681 602 A. States i have a right to privacy.

15 U.S.C 1681 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 card

I filed two disputes for the amount listed below and Chases response contained false information on both of their responses. I am attaching the documentation demonstrating that.

CHASE wrote : Charge for {$180.00} on XX/XX/year> : You initiated a dispute for {$160.00} of the total transaction. We confirmed that the merchant issued credits for, {$25.00}, {$26.00}, {$31.00}, {$32.00} and {$49.00} between XX/XX/year>, and XX/XX/year>, for a total of {$160.00}. You are not due any additional credits for this transaction.

RESPONSE : The cited amounts do not add up to the amount disputed ( they add up to more than the order total ), nor do they pertain to the same order number. The disputed charge of XXXX is for order XXXX. The {$25.00} Chase cited does not appear on the bank statements at all for the cited period between XX/XX/year>, and XX/XX/year>. 


CHASE wrote : Charge for {$140.00} on XX/XX/year>. You initiated a dispute for {$26.00} of the total transaction. We sent you a letter on XX/XX/year>, and XX/XX/year> to request additional information. We received the information from you on XX/XX/year>. We did not receive the necessary documents and removed the charge from the dispute by the date on the letters.

RESPONSE : attached are the documents from XX/XX/XXXX that were submitted through Chase disputes portal right after speaking with the associate on the phone. I later resubmitted the same documents again on XX/XX/XXXX after receiving a letter requesting more information.