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

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$150000.00} XXXX  XXXX XXXX {$3400.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Mortgage

This is w ith Fay m ortage servicing company and  XXXX .   I disputed a late being reported on my mortgage. It was found to be inaccurate and incompletes at end of investigation. It was to be removed. They deleted my mortgage. It took weeks to get my mortgage back on. However once I did they put the already investigated late back on. It also was never reported to all  XXXX  agencies. This lead to my score dropping  XXXX  points. Resulting in denial of loan closure. Please see this is rectified immediately. I need to close on a loan. Thank you.
Product: Credit reporting

I am a victim of identity theft and have unauthorized and fraudulent accounts listed on my Equifax credit report. The following accounts are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX Bank, XXXX.
Product: Credit card or prepaid card

I received an application to apply for an XXXX XXXX XXXX XXXX XXXX with no annual fee. I applied twice over the phone. I later went back to check and barclays customer service, security, and Applications all state there has been no application filed. I also checked my application status on Barclays web site it says the same thing the it gives me a phone number to call. I call it. But, no one can find my application. So I did the process again online! This time I received proof that my application was being processed! So I checked my computer again and it says there is no record of my application. It gave me the same number to call. I called. No one could still find it. Now, I have another card with Barclays but this card has an annual fee. After 3 years, I tired of a annual fee! My customer id is 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 CFPB 's finding 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 checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXX was the last year of activity on this account. Equifax and XXXX have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. XXXX shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I have read that Republicans wish to reward EQUIFAX with a significant contract award, and now are actively seeking to sweep their egregiously callous miss handling of our personal information under the rug. 
Seriously? They should go to jail. I did not ask them to capture and store my personal information. I did try to get through to the jerks immediately following the incident, but they shut down all avenues of communication with us little people ( e.g. the ones they XXXX  over, not the ones who buy the information ). Sweeping this behavior under the rug is not an option from my perspective. Do the right thing will you please?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with or written Transunion 3x about the same debt. I am not disputing this debt, just the way it was reported! The original creditor was Smart sales and lease, they stated the 1st date of delinquency was XX/XX/2019. This impacted my credit negatively by about XXXX points. Then they sell the debt to XXXX XXXX, i did not receive any type of communication for this but the collection account was added to my report as of XXXX and 40 or more-points were deducted again from my report! I have been disputing the way this was reported and they keep denying the dispute stating that the debt is valid, I know that i am not disputing that. My initial dispute I stated that the debt was reaged due to it being the same debt, but the collection agency added to my report using another date. Transunion stated that the collection agency was in there right to add it to my report as a negative account therefore impacting me twice. I know i owe the debt but i am working on getting my credit together and it will take time, but it seems like these credit bureaus are not helping. They take XXXX or more points from you when you fall behind but once you get back on track, they want to add 5 or 6 points a month to your report and thats not fair!!!
Product: Credit reporting or other personal consumer reports

Accounts listed below doesnt belong to me I never authorized nor open the accounts : XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date opened XX/XX/XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve XXXX items showing on my credit report since XXXXXXXX XXXX XXXX I have written to all XXXX credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent XXXX letters regarding these accounts. I know they have 30 days to respond but it has been over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXEQUIFAX XXXX XX/XX/XXXX. -EQUIFAX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX. - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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  On XX/XX/XXXX I reached out to have these inquiries investigated and nothing has been done about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I have never ordered anything from this company nor received anything from them. A collection account from them appeared on my credit report, and when I disputed the info with the 3 credit bureaus, Swiss Colony sent back a letter asking me to provide proof of my residence and other items ... .I refuse to provide this information to a company that I 've never heard of and never did business with. I was impacted by the XXXX  breach, so not sure if this has something to do with it. This information needs to be removed from my credit report.
Product: Credit card or prepaid card

I have had an american express credit card for 2 years. I have the green card. The card is advertised as 'no limit ' bu then later they claimed it based on your average balance. My card was up to approximately $ 6K average balance. American express then took the card and changed it to a set limit each month which is about {$2300.00} I believe ( I am not even sure since the card was not advertised this way and I never received a new account number or card ). The limit is based on if the credit analyst decide to open up the limit which is false advertisement. It should be based on the TERMS. If American Express is going to change this to a preset limit then they should OFFER to change the card or go back to my average spending balance. I am appalled they have been paid each month and decide to change terms as they decide versus sticking to their offer. For a while, I just stopped using the card altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint against TransUnion concerning inaccuracies found within my credit report. On XX/XX/2023, I initiated contact with TransUnion to address and rectify the erroneous information in question. However, as of the present date, I have yet to receive any communication or resolution from TransUnion. Below are the details of the disputed account along with the requested correction : Account Details : Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$3100.00} Original Creditor : COLLECTION I am asserting that the account with the account number XXXX, opened on XX/XX/2023, and attributed to COLLECTION, is not mine. As a result, I am requesting that TransUnion promptly removes this inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have things on my credit that have been handled through my bankruptcy which still shows up on my credit with all 3credit bureaus and also my bankruptcy still shows up even after knowing that the new law says it should not I have did so much to get things in order but the creditors nor collection not working with me
Product: Credit reporting

When I saw ( Year of birth XX/XX/XXXX ) on my Experian credit report I was shocked. I was born XX/XX/XXXX
Product: Credit card or prepaid card

I bought a XXXX ticket on XX/XX/2020 for {$110.00} reference : XXXX On XX/XX/XXXX, the ticket XXXX was canceled due to COVID-19 and XXXX XXXX was provided. 

I used the XXXX XXXX  to buy a second ticket XXXX which was also canceled on XXXX DUE to XXXX as well. 

Few points : 1. Since XXXX Canceled the tickets, why can't I get my money back?? 
2. Between XXXX and XXXX, XXXX had NO FLIGHTS for me to use the credit which expired on XXXX. 
3. Amex always support big corporations in disputes.. very sad!
Product: Credit card or prepaid card

On approx. XXXX XX/XX/XXXX I tried to rent a car on the internet from XXXX, using an XXXX Mastercard from Barclays Bank. I received an error message, and couldn't resolve it, so ended up over at XXXX, where I successfully rented a car. 

I never heard anything more from XXXX but discovered a charge from them for {$160.00} posted to that Mastercard. 

I have sent emails to XXXX, but received no response. I disputed the charge with Barclays, but that dispute was denied, on grounds " the merchant has not violated the terms and conditions of the sale. '' I appealed that denial to Barclays, pointing out that I never received anything from XXXX  ( voucher, rental car, response to emails ). Barclays sent two letters denying the appeal ; one just saying there was " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '' ( and encouraging me to contact the merchant directly ), the other letter giving as a reason " the chip on the card was read and validated during the authorization process or the card was present and CVV confirmed. '' This letter also recommended I contact the merchant directly. 

I will try to attach copies of the documents I have mentioned, which describe in more detail what has occurred. But I would like to stress two points : ( 1 ) I never received anything indicating the car rental attempt with Rent.It went thru, or received any response to my queries to Rent.It. ( 2 ) I am upset with Barclays, both because they apparently ignore dispute letters sent to the address designated for that purpose on their statements, and then ( after I faxed them the dispute letter ) for still being assessed late payment fees and interest charges ( on statements ending in XX/XX/XXXX and XX/XX/XXXX ). 

If you have any questions, or need any more information, I would be glad to provide it. I can be reached at XXXX, or XXXX XXXX XXXX XXXX. My addresses are on the attached letters.
Product: Debt collection

They have been told repeatedly that they are not to contact me and they refuse to follow this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase recently reviewed my credit card account and reduced the credit limit to {$2000.00} over the phone. This review was done on XX/XX/XXXX. 

Their reasoning was that my revolving credit account balances were too high based on an XXXX  credit report they pulled. I logged onto my XXXX  account and pulled the latest report they have on file. On that file, it mentions that my revolving credit was at 16 % of my overall credit limits on credit card accounts. I escalated this to their management team and they refused to budge or wait for an updated report on their end. I asked them to delay this review for a month so that they could have a more up to date report on their end. In particular, balances on my XXXX XXXX XXXX from XXXX XXXX XXXX are highly overstated since they haven't reported last month 's information yet. I made a purchase with the card in XXXX that I cancelled shortly after and the balance on the card now stands at {$210.00}, which is under 30 % of the limit I have for them. 

Even with this overstatement, the credit report lists my credit usage at only 16 %. 
I find this to be predatory behavior. I have made moves to raise my credit score and Chase 's move simply serves to hurt my score based on errant information. I have attached copies of my XXXX  report ( that they used ) along with screen shots of what I see on my XXXX XXXX account ( with the other two credit bureaus ). All three credit bureaus are reporting 15-16 % usage, which is not " high revolving usage '' as Chase claims. 

The reasoning they are using to reduce my credit limit is incorrect. I dispute their assessment.
Product: Credit reporting or other personal consumer reports

I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off : Account Name : [ XXXX XXXX XXXX  ] Partial Account Number : [ XXXX ] Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 

Due to this apparent oversight, I insist on the immediate removal or " XXXX '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 

I appreciate your prompt attention to this crucial matter. 

Yours sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Paypal appears to have shuttered my savings account without notice and has provided no information as to how to access my Paypal Savings balance. I am trying to determine how to appeal the closure and restore my access so that I can access and retrieve my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Midland Credit Management ( MCM ), written on XX/XX/XXXX, received on XX/XX/XXXX, requesting an investigation on account XXXX. I never received a response from Midland Credit Management ( MCM ), violating federal law. I sent another letter written on XX/XX/XXXX, and received on XX/XX/XXXX, stating the violation of federal law and requested the removal of the said derogatory item from my credit reports. All I received from Midland Credit Management ( MCM ), was a letter stating that the item is correct, which we are way beyond now that Midland Credit Management ( MCM ) has violated federal law. I would like the item removed from my credit reports or I will be forced to sue Midland Credit Management ( MCM ) for damages resulting from the violation of the Fair Debt Collection Practices Act.