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

I am formally disputing inaccuracies on my credit report concerning the account with XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that the information reported by credit bureaus be accurate, complete, and verifiable. However, the reporting of this account violates these requirements for the following reasons : XXXX. Inconsistent Reporting Across Credit Bureaus : The comments section for the same account differs : XXXX : Dispute resolved; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
Equifax : Consumer disputes after resolution. 
Inconsistent comments can misrepresent the account status to potential creditors. 
XXXX. Dispute Not Properly Updated or Resolved : Despite the account being closed, paid off, and having a {$0.00} balance, dispute comments remain on the report. These comments are misleading, suggesting unresolved issues.

3. Reporting of Late Payments on a Closed Account : The report shows 30-day late payments in the payment history, even after the account is listed as paid and closed with a {$0.00} balance. This creates inaccuracies. 
4. Failure to Verify Disputed Information : If disputes were resolved and the information remains inaccurate, the creditor and credit bureaus may not have fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy : Credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information. The discrepancies across bureaus indicate a failure to comply.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputes : If the information has been disputed and remains inaccurate, the credit bureaus may have failed to conduct a proper investigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing Inaccurate Information : Creditors are prohibited from reporting inaccurate information to credit bureaus, especially after receiving notice of a dispute.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative marks like late payments should not be reported inaccurately on a closed, zero-balance account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX has fraudulent accounts on my credit profile that needs to be remove immediately.
Product: Checking or savings account

I'm unable to actually view the dates that these transactions were made because they blocked my access to my disputes on my account but it's several Transactions of {$5.00} and {$20.00} amounting to a few XXXX dollars of fraud. I've attempted to dispute this with my bank and as I said they blocked my access to the speech and actually claimed that their fraud prevention team suppoteam spoke with me during one of these transactions and approved them, thus denying my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Meadow XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX XXXX Type of Business : - Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE COMPLAINED ABOUT THE INACCURATE INFORMATION ON MY CREDIT REPORT TWICE. THIS COMPANY IS TRYING TO DAMAGE MY CREDIT. THEY HAVE TO BE STOPPED MY LATEST ALERT RECEIVED ON  XXXX   XXXX   XXXX  (   XXXX    ).    XXXX   1. AN  ACCOUNT PROVIDER REPORTS THAT WHEN YOU FILED FOR BANKRUPTCY AND LISTED THIS ACCOUNT AS  XXXX  OF THE ONES YOU COULD NOT  PAY. ( FALSE ) 2.DELINQUENT  ACCOUNT CREDIT  CENTRAL REPOR TED THAT YOU DID NOT PAY THEM ON TIME  XXXX , THIS COMPANY IS DELIBERATELY REPORTING INACCURATE INFORMATION..
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX somebody got into my account on Cash app and purchased several amounts of bitcoin and transferred it to a XXXX  block and I have never bought bitcoin in my life. I dont even know much about it. I contacted Cash app to let them know I did not make this purchase somebody got into my account and purchased XXXX And transferred it somewhere called the block and I cant understand how to retrieve it back if I can even retrieve it back, so I opened up a claim with cash app and explained the situation and they denied my claim and closed my case, saying that I either authorized it or gave someone else permission and I never did any of This. I appealed the decision and they once again gave me the same answer and closed the case again and told me Im not going to get a refund.

I asked them for evidence that I purchased this XXXX  and who received the money and they refused to reply to me any further and with no explanation they closed the case. I sent several emails and nobody would help me. These are the following amounts that were taken out of my account without my permission the first amount on XX/XX/XXXX was {$990.00}. The second amount on XX/XX/XXXX was {$100.00}. The third amount on XX/XX/XXXX was {$300.00} for a total of {$1300.00} stolen through my cash app from my bank account which is the funding source for my cash app if theres any way you can please help me get a refund of my {$1300.00} that was taken from my cash app fraudulently and sent apparently to nowhere that I can trace. I asked Cash app cant they trace who claimed this money? It had to be retrieved by somebody therefore they are the fraudulent party if you investigate it, you can track where the money went and refund it to me and all they kept saying to me is sorry we closed your case. They in my opinion, never even tried to investigate how this money was taken from my account and where it was sent and why they couldnt retrieve it back if it was XXXX Ive learned now that it goes on some kind of a block so whoever claimed it is who stole my money, but they refused to help me. The case number they gave me associated with my claim is number XXXX.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED:  

XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I paid the statement bal in full yet XXXX XXXX XXXXBank of America keeps billing me and I want this billing to be removed from my credit report and zeroed out. 

Account Number : XXXX Due Date : XX/XX/2023 Total Minimum Payment Due : {$71.00} Statement Balance : {$150.00} Bank of America XXXX R ) Transfer Hi, XXXX XXXX we've received your credit card payment Payment : {$150.00} To : XXXX XXXX XXXX XXXX XXXX in - XXXX Date posted : XX/XX/2XXXX XXXX
Product: Credit reporting

I am the victim of idenity theft. I have disputed fraudulent accounts on my consumer credit report from XXXX Trans Union and XXXX. The continue to report the fraudlulent information on my reports. They are also reporting the wrong date of birth on my credit report. I have submitted a copy of my driver 's license and ss card to verify my identity and each bureau still report wrong information. They also continue to report fraudulent information after I have disputed it multiple times.
Product: Debt collection

I HAVE CANCELED MY ALARM SERVICED CAUSE IT WASNT WORKING PROPERLY SO I TOLD XXXX ( THE ALARM COMPANY ) TO CANCEL IT AND TOTAKE THEIR STUFF BACK BUT THEY NEVER DID AND THEN THEY PUT THE COLLECTION ON MY CREDIT.SINCE XXXX 2017 IN THE AMOUNT OF {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my information to open up fraudulent accounts without my permission. I do not understand how people can open any accounts in my name because i was not aware or present. Please see below information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax lock and alert Signed up for this free service and locked my credit report a few months ago. I have been trying to unlock it via the app and website and persistently shows an error. Contacted the customer care service and no resolution. I am unable to apply for any new credir cards or loans as a result of this lock.
Product: Money transfer, virtual currency, or money service

I want to share my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit that exposed major issues with the platform. Despite using Zelle many times and reporting problems, neither my bank nor Zelle properly investigated my claims. They told me it was impossible to recover my lost funds or track the transactions. According to the CFPB, Zelle has failed to protect consumers and allowed repeat offenders to continue exploiting the system, putting users at risk of scams.
Product: Credit card

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXXXXXX  well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been speaking with numerous representatives at Equifax regarding a block. I am in the mortgage process and my lender can not access any information from Equifax. He ran my credit in XX/XX/XXXX and XX/XX/XXXX. He ran the credit again end of XXXX working on final loan approval and has been receiving a clock from Equifax on his end. I can Equifax 1st representative says theres no block, 2nd representative same day says there is a block, speak to supervisor all in the same day which advises there is a block and social security/driver license is needed. I fax over per their request. Call the following Monday to confirm all documents were received as I am on a time crunch ; they advised they were received however I didnt need to do all of that, and he was lifting the block as we spoke on that same call. All the while every single call/representative has asked the same security questions which I provide the same answers and have always passed my security questions and validated my file. Every time I speak to my lender he advises he still gets a block from Equifax. He has even called the customer service dept asking how we can lift this block and he was told that I needed to call and request a release for core logic because that is the system my lender uses. I did just that, representative advised theres no such block. Now, after almost 2 weeks of providing same information all of a sudden I am unable to validate my security answers and questions and Im blocked from accessing my Equifax file. Please help as I need loan approval in 1 week! These people are all incompetent! Always giving you incorrect, inconsistent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to Plaza Services which is another violation. This account was added between XX/XX/XXXX and XX/XX/XXXX which I will attach the screenshot showing this. I received nothing in the mail leading up to this collection being reported. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Checking or savings account

I am joint account owner with my mother, XXXX XXXX, an XXXX XXXX XXXX senior citizen that was victim of a phone scam. My mother visited the Webster Bank XXXX XXXX XXXX  and made two separate cash withdrawals on the same day, a few hours apart, in the amounts of {$9000.00} and {$5000.00} respectively. The bank teller failed to exercise any prudent care or fiduciary responsibility by not attempting to question the withdrawals. These unusual, high dollar, transactions were completely out of the normal behavior of the account activity, and represented over 40 % of the account value. There was no attempt to offer alternate means of withdrawal, e.g., a bank check, electronic transfer, etc., nor was a phone call made to me, the joint owner, or trusted contact on the account. A bank manager was not engaged to validate the transaction, have a conversation with my elderly mother, and instead they simply distributed the cash. When we initially complained to Webster bank via phone, we were put through various departments/phone numbers, only to be told we would get a call back by an alleged regional manager, and that never happened. Upon filing the writing complaint in XXXX, XXXX XXXX from Webster bank claimed they were not responsible because they asked my mother for ID and purpose of funds, which my mother denies the latter. The banks claim that source of funds was disclosed to be house renovations is conflicting to my mothers account record and XXXX  info given she does not own a home and rents an apartment in a XXXX XXXX XXXX XXXX development. The initial behavior and subsequent response clearly articulates that Webster Bank tellers are not familiar with their responsibilities to help protect the elderly, some of the most susceptible individuals to fraud and scams. There are multiple rules and regulatory guidance requiring banks have training, be aware of possible senior exploitation, etc., and Webster bank did none of that. At a minimum, the bank should have attempted to stop the second withdrawal for {$5000.00}, when a XXXX  filing should have been required to be completed, and offered to help my mom. This behavior can't be excused and Webster Bank should be liable for the withdrawals they failed to exercise any care over.
Product: Debt collection

I received an undated letter from a company called Afni with an address in XXXX Illinois. They are allegedly attempting to collect an alleged debt on behalf of XXXX for {$3700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX will not allow submission of : State : Massachusetts Zip Code : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.I demand that the following account be verified or removed immediately : 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 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 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, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX XXXX