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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies 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 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 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 # ( private case number ) 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: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action XXXXay constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 davs to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If vour office fails to respond to this validation request within 30 davs from the date of your receipt. all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Thank you, XXXX XXXX
Product: Debt collection

Please be advised that my statement is not necessarily a complaint but more of a request. Three years ago I went through a number of serious financial setbacks, including a medical condition. Several of my accounts went into default. However, I still desire to see if I can settle each one of them. I do not desire to file for bankruptcy at this time, but I realize that is still an option. Therefore, I am respectfully requesting settlement offers to be mail to me within the next few weeks, and I will do my best to borrow funds from family members to satisfy each settlement as they come in.
Product: Checking or savings account

I opened a Citi Accelerate High-Yield Savings on XX/XX/XXXX. I opened this account for a promotion that gives the consumer a cash bonus offer based on the amount of funds in the account. According to the confirmation email I received on XX/XX/XXXX for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer, the promotion provides a cash bonus based on depositing " New-to-Citibank Funds into your new savings account within 20 days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum cash bonus ''. My email confirmation for enrolling also states " your Cash Bonus will be paid to your Savings Account within 90 days after you successfully complete all required activities. '' After not receiving the cash bonus, I called Citibank customer service on XX/XX/XXXX and the representative ( XXXX ) confirmed that I am entitled to receive a {$500.00} cash bonus and confirmed that all the requirements have been met. He said I should receive the bonus no later than XX/XX/XXXX and if I do not receive the funds by then, they would file a promotional dispute. He also provided me with a promotional code. 

After not receiving the funds by XX/XX/XXXX I called again on XX/XX/XXXX. The representative notified me that the code the previous representative provided did not work on their end and there was nothing else they could do for me to receive my promotion. Please note that the confirmation email I received after enrolling did not have a code- the only code I had was provided by the CitiBank representative on XX/XX/XXXX. I then talked to an account supervisor ( XXXX ) who notified me that she sent in a request for the bonus, however I have received no confirmation information or timeframe on when this might be resolved. I have still not received the funds and would this matter is resolved as soon as possible, as I can not access all my funds in my account while this is in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion, and XXXX on XX/XX/2023. Cfpb case number ( XXXX XXXX ) ( Transunion XXXX ) XXXX been well over 30 days and still have not received anything back from Transunion and XXXX. According to XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. This collection in my account is not mine and its causing me time and money lost. Due to being in the process of purchasing a home. I understand I have up to {$1000.00} for damages this account is reporting. 
Otherwise, have XXXX XXXX XXXX XXXX  ( XXXX ) removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the accounts that I am having issues withXXXXXXXX XXXX XXXX XXXX acc # XXXX 
XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX 
XXXX XXXX XXXX acc # XXXX. 
XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 
{$1500.00} acc # XXXX. 

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 states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) 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 more than 7 years 15U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I have disputed this account several times. After opening this account, my husband took the paperwork given to us at the store and created an online account with all of his contact information. He managed and paid this account the entire time until XX/XX/XXXX when he informed me that this account was in my name and he was no longer going to pay since it would not affect his credit report. He added himself, without my knowledge or consent, and received his own card. When we separated in XX/XX/XXXX, he continued to use this card without my knowledge or consent and maxxed the card out taking various trips and his monthly bills. I have a letter from Citibank that confirms that he did this. However, they keep telling me that because he was an authorized user, I am responsible for the debt. 
I have disputed this many times starting in XX/XX/XXXX yet Citibank continued to assess fees and charges and sought payment while it was under investigation. They continued to report to the credit reporting agencies as late throughout the entire dispute and investigation process as well. It was also charged off during the dispute and investigation. I was told the fees would be adjusted after the dispute and investigation. This was not done. 
Citibank continues to state that this debt has been verified but has refused to offer me any proof or documentation that has been requested multiple times as outlined in the Fair Credit Reporting Act. I have also filed a police report and FTC report as requested by Citibank.
Product: Consumer Loan

I bought a truck through XXXX motors who financed my auto loan with Wells Fargo Dealer Services. On XX/XX/2015 I called Wells Fargo Dealer Services because I wanted to pay off my auto loan. My monthly statement said the principal balance was {$40000.00} as of XX/XX/2015. I spoke to XXXX, a representative of the company. She told me to pay the principal balance of {$40000.00} and that would pay off the loan. She said there would not be any " late payment '' penalty or additional charges. 
I made the payment the same day, XX/XX/2015, and my payment was posted to the account by the company two days later on XX/XX/2015. 
But on XX/XX/2015 I was sent a notice that my payment was not enough to pay off my loan. It asked me to call XXXX. I called that number and talked to XXXX, another representative of Well Fargo Dealer Services company, regarding the notice I received. 
XXXX told me the payment I had made was supposed to be posted as a " payoff '' but instead was posted in error as a " payment ''. XXXX stated that he would correct this error and that I should ignore the bills I had received. He said I would receive a letter regarding the " Payoff '' information soon in the mail. 
On XX/XX/2015, I was called by a Well Fargo Dealer Services employee, XXXX, employee ID # XXXX, and she said XXXX did not do what he promised to do and apparently did not do anything at all. She promised to forward the information of the " Payoff '' to her supervisor and post a note concerning this on the account file. 
Then on XX/XX/2015, I was called by a Well Fargo Dealer Services employee, XXXX, your employee ID # XXXX, I explained to her that the payment I made was supposed to " Pay off '' the loan, the same way I had explained it to the other employees, XXXX, XXXX, and XXXX. She transferred me to a person who she said that would take care of the mistake. 
I was transferred to XXXX and advised the call may be recorded. She then transferred me to her supervisor, XXXX. But XXXX said he would not talk to me about the error. He said that was because he did not want to be recorded talking to me! 
I have paid the full principal balance due XX/XX/2015, as shown on my monthly statement as I was directed to do by Well Fargo XXXX XXXX employees. Well Fargo Dealer Services posted that payment to my account two days later. I have done what I was supposed to do, and all I have gotten from Well Fargo Dealer Services and the accounting staff is a big run-around by employees who apparently do not know what they are doing. I have sent letters to their location with no response. They will not tell me what the outstanding balance if from, how it got there or who made it up. This appears to me as a made up amount after I had paid off the full amount. 
I need Well Fargo Dealer Services to issue me a clear title to my truck immediately. All payments have been made on my part and cashed by Well Fargo Dealer Services. My balance as shown on my statements have been paid and there should be nothing owed as per the documentation and their employees whom I spoke with in XXXX.
Product: Money transfer, virtual currency, or money service

I closed the account but it was with Zelle with XXXX  XXXX and after so many times they stole from me I decided to close my account. This went on from XXXX
Product: Credit reporting or other personal consumer reports

I submitted documents to dispute closed account and collections on my report and was denied without valid reason. My debt was also sold to dept collectors whom I did not sign a contract with these specific companies! 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, debt collectors and credit reporting agencies are required to report only accurate and verifiable information. If my original creditor sold my account to a debt buyer, the original creditor should no longer be reporting the debt, and the debt buyer must ensure the information is accurate before placing it on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report, including collections and closed accounts.
Product: Debt collection

I have three accounts with this collection company, and when I requested a debt verification, they verbally refused to send any debt verification. The lady whom I spoke to was very aggressive and rude. She refused to work with me in sending me a debt verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America unlawfully obtained my credit report in XXXX 2022. I did not authorize them to pull my credit. I have not applied for any accounts with them. This is a case of ID theft. I immediately called them on XX/XX/XXXX22 when I received notice they were working on my " application for the Bank of America XXXX XXXX XXXX XXXX XXXX '' and advised them I did not apply for this card. The reference # on the letter is XXXX. They told me it would take up to 90 days to remove the inquiry from my credit. I advised them this is unacceptable and I expect it to be removed immediately. To date, the inquiry is still on my credit and has caused my credit score to drop. I would appreciate your assistance in having this inquiry immediately removed. 

Thank you
Product: Credit reporting or other personal consumer reports

My normal payment history does not show these late payments.
Product: Debt collection

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. PLEASE DELETE THIS FRAUDULENT ACCOUNT AT ONCE : DEBT XXXX XXXX # XXXX I dispute this debt and any accounts you may have in your office. The original creditor is also a 3party junk debt collector and has also failed to send any notice or verification of this account.
Product: Checking or savings account

I received a fraudulent call about an account I never had. They said if they didn't reach me at home they'd need management or security present and to sign as a witness so I could be served documents pertaining to this debt of more than XXXX $ to U.S. bank which doesn't even exist where I am located. Said they'd been trying to reach me for days and if they didn't reach me tomorrow XX/XX/2022 between XXXX XXXX they'd send the papers back as denied to be signed. They only had the last 4 of my social and the last 4 digits of a non-existent account.
Product: Money transfer, virtual currency, or money service

i am reaching out 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 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.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Product: Credit card or prepaid card

When applying for this card, I was told it came with a promotional 24mo interest free.

When I received the first bill, it indicated only a 6mo promotion of interest free. 
On XX/XX/16, I called customer service to complain and have the promotional period corrected. I was told " no problem '' and they could transfer the balance to the 24mo promotion, with the start date applying retroactively to the day we opened the account. 

On XXXX, I attempted to use the card and the transaction was declined so I logged on to the account to see why. I discovered that instead of transferring my existing balance of $ XXXX to the corrected promotion, they added a SECOND balance ( $ XXXX ) at the 24mo promotion. So my outstanding balance shows as DOUBLE the amount ( $ XXXX ), resulting in my account grossly exceeding my credit limit of $ XXXX. I immediately called to complain and request this be corrected. 

I first spoke with " XXXX '' and after being put on hold for over 20 minutes while she consulted with her team, I was told she was submitting a claim for adjustment but it would take 7-14 days to correct. When I requested to speak to a manager while requesting an exception to allow the {$1000.00} for cabinet purchase in store that I had attempted earlier in the day, she attempted a transfer but I was disconnected mysteriously. 

I called back and spoke to : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX All who acknowledged the error , stated they can see the correction on the balance is in process. Can not allow a charge until the balance is corrected My argument was : their error, they can see it, they acknowledged it, I should be able to use the credit available to me. The only solution provided to me that would allow me to make the purchase I needed to make was to request a limit increase ( which would have to exceed my total outstanding balance which was already DOUBLE what it should be ). I responded that this was unacceptable as a solution and I should be able to access the legitimate available balance I should have ; someone in the department shoudl be able to approve it because this was all a result of their error to begin with. 

The last representative I spoke with was " XXXX XXXX '' in Idaho who told me flatly, " not going to happen today ''. 
I then requested an email/in writing an acknowledgement of their error, that a fix was in process and an estimate of the time it would take for the resolution. I was again told flatly by XXXX, " no ''. That is not going to happen, they are not allowed to provide any response in writing. So I have no tangible proof of the almost 2 hours I spent trying to get an immediate resolution ; I am supposed to just hope things get fixed and take the initiative to log in to my account to routinely check if it has been corrected. 

All told, I spent almost 2 hours on this and 2 days later, I am still unable to use this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted XXXX, Equifax and XXXX  regarding inaccurate information reporting on my credit report about " XXXX XXXX XXXX XXXX XXXX '' I think the agencies bureau act intentionally reporting false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information being reported by XXXX. I am the owner of account # XXXX with Macys AMEX/DSNB. I have asked XXXX to correct this for over 4 months. I worked directly with the creditor Macys AMEX/DSNB they are reporting that I was late on and they wrote a letter stating this was in fact an error. First XXXX reported this as a late in XXXX and then suddenly they moved in to XXXX. I supplied a letter dirrectly to XXXX stating this account was never late from Macys AMEX/DSNB and they have failed to correct the inaccurate information. I have called them on XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I have XXXX and attached the letters that were submitted and faxed on XX/XX/2022 and XX/XX/2022. Each time they tell me to file a new dispute and this is all that I can do. I have /requested a manager on several occasions and every time I am told a manager will call me back and I have never once received any call back from XXXX. I have waited on hold for hours and been hung up on repeatedly. They have no method to correct this or manager to assist. I even gave them the number of the manager of all of Macys Credit Card services in the corporate office to call directly in the dispute filed over the phone and they have still failed to correct this. I have also called Macys to help me in this process and every time they tell me they are pushing through the correction to XXXX but it has failed to be corrected. 

I have attached several letters I have submitted to XXXX asking them to correct this. My Credit report currently and my previous credit reports which shows them moving the inaccurate information from XXXX to then to XXXX and still failing to correct the issue.