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

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- Company or Organization : XXXX  XXXX, Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$290.00}. 
-- Company or Organization : XXXX  XXXX, Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$310.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6200.00}. 
-- Company or Organization : XXXX XXXX XXXX  Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} -- Company or Organization : XXXX XXXX XXXX XXXX Total fraudulent amount : {$1700.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX AUTO Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

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. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates that any inaccurate accounts be removed from my credit report. Could you verify the documents? Several accounts listed contain reporting errors, incorrect amounts, and dates.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with this misleading account listed on my credit report. I am bringing this to your attention because it has harmed my reputation, and I need your help. Due to your mishandling of my credit report, my reputation has suffered significantly, and I feel desperate. Please ensure that this incorrect information is removed from my credit report
Product: Credit card

Hi I put in a complaint in early XX/XX/year> on card member service for not taking the payment out of my checking account in a timely fashion charging me forty ( {$40.00} ) dollars, first stating that they were late fees, later stating that it was a returned payment. 

Also can a credit card company charge interest fees on a close account for which they close. 

I called the CFPBs office, they stated that another agency took over for which I havent heard anything as of today. I was advised that the CFPBs office handled credit card companies.
Product: Money transfer, virtual currency, or money service

I request money back because my account was hacked.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This CFPB complaint has been filed to request according to FCRA 605B ( 15 U.S.C. 1681 C-2 ) that you, the XXXX credit reporting 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 includes 2 personal credit card accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), with a balance of {$620.00}. LVNV FUNDING LLC opened on XX/XX/XXXX under account number ( XXXX ) with a balance of {$1300.00}. A fraudulent collection at XXXX XXXX opened on XX/XX/XXXX under account number ( XXXX ) with a balance of {$1400.00}. These accounts had resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question and a copy of the consumer 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 said accounts, collection, and hard inquiries are the results of identity theft and fraud. I have attached a copy of an FTC identity Theft Criminal Complaint number ( 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

I have an alleged XXXX account for XXXX on my Equifax credit report.I have disputed this account several times with Equifax as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Equifax credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
Equifax XXXX - XXXX XXXX - XXXX XXXX - XXXX FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Equifax is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Equifax responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.
Product: Checking or savings account

My bank ( Wells Fargo ) is holding my monthly Federal annuity check ( amount {$2800.00} ) and not posting/crediting to my account on the date they receive it. I know this because my previous bank always posted on the date they received it which on nearly every occasion was days before the XXXX of the month. I believe Wells Fargo is holding it and earning interest on my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I was unable to have a security freeze lifted to obtain utility services. After many hours on the phone I was told by Equifax I have 2 different files with 2 different DOB but same SSN. I sent in the documentation they asked for told it would be corrected. Fast forward to XXXX. I go to buy a car find out my score is several hundred points less than XXXX and Experian. Go online to obtain copy no luck the system can't verify me. Call again no one can verify me because I'm still showing two files. A supervisor named XXXX told me what to fax in and what the statement needed to include to correct the errors. The information will be corrected within 72 hours. I faxed all information in on XX/XX/XXXX. Since then I've called every day verifying the information was received and error corrected. I've been told the two files are merged only to call back the next day and talk to more supervisors who tell me no it's not been corrected and they don't know how to correct it. They'll send to the technical department. I can't get a copy of one or both reports. I'm spending several hours a day trying to get answers and no one can help me. I don't know who else to reach out to for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

I have reached out countless times to Credit Management and advised them that someone not only got an apartment in my name but proceeded to get cable as well. I've advised them that the account is not associated with me. Although the balance does not belong to me, I've tried to come to a settlement to simply get this debt collection off of my credit report. Credit Management will not budge. I proceeded to dispute this with my credit bureaus and was told that Credit Management has accurate information therefore they are unable to remove this collection account from my report. This collection report is making it impossible for me to do what is needed in my household credit wise due to high debt reports. This account does not belong to me.
Product: Credit card or prepaid card

I am reporting dispute charges for my CapitalOne credit card ending in XXXX. 

My XXXX and I have been living in central XXXX over XXXX years now. Unfortunately, recently our identities were stolen by a thief in XXXX, XXXX. We realized when some of our credit cards including XXXX, XXXX and CapitalOne were requested to be delivered to XXXX address. We made multiple calls to report the fraud to the credit cards companies, and we have reported to our local police department to file a police report # XXXX, with XXXX XXXX XXXX XXXX ID # XXXX. The contact phone # XXXX, XXXX XXXX Police Department, XXXX. 

On XX/XX/XXXX, I received a bill statement from CapitalOne, the statement shows a transaction on XX/XX/XXXX, FAST CARD FEE of {$16.00} which I believed it was for delivering a card to the thief in XXXX. We called CapitalOne immediately to report this charge and also requested to close my account. Lately I received a confirmation letter of cancellation from CapitalOne. However, on XXXX XXXX, I received a new bill statement from CapitalOne for {$32.00} including PAST DUE FEE of {$16.00} on XXXX XXXX. My husband and I called CapitalOne right away to try to clarify this issue, and we spent over two hours to talk to two different representatives and still did not solve the issue with the bill. Very disappointed and much frustration. CapitalOne either is purposefully attempting to exploit its clients by handling fraudulent and dispute issues, or its employees are so incompetent that multiple calls with countless times have led to my going in circles with various departments, staff, and managers without resolution. Either way, CapitalOnes lack of action is extreme and outrageous. It should not take contracting your customer service line at a lot of times to resolve this issue. CapitalOnes lack of action has caused severe XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX at approximately XXXX, I came to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX complete a report of identity theft. I became aware my identity was stolen today when I received a phone call from XXXX XXXX in XXXX XXXX, MO reporting they sold XXXX vehicles and were in the process of selling a third to a person using my personally identifying information. The first XXXX vehicles, XXXX of which as a XXXX XXXX XXXX XXXX, were sold about a month ago. They said the person has my information and a CT driver 's license and provided an address of XXXX XXXX  XXXX XXXX, in XXXX, PA XXXX. XXXX spoke to the XXXX XXXX of the dealership, XXXX XXXX, whose # was ( XXXX ) XXXX. He stated the photo on the license was a XXXX male and they never saw him in-person upon vehicle transfer. No identification took place. They are supposedly mailing me a copy of the driver 's license that was used. Upon seeing the CT State license it was clear that the ID was fake as my first name was abbreviated and my full name as required by law was incomplete. The vehicles were financed through XXXX XXXX and XXXX XXXX XXXX XXXX. I did not buy these vehicles ; my identity has been stolen. I notified the credit bureaus and froze my identity. XXXX XXXX has entered me into a national database which will identify anyone using my information law enforcement reasons. I gave XXXX XXXX a password which I will never forget. I understand could come up during a traffic stop or at the airport and I will need to provide this password to law cement to confirm it is me, not the imposter. ring. This is causing me great stress and time, as well as increased XXXX XXXX and bouts of XXXX XXXX.
Product: Credit card

I received an hard inquiry on my XXXX XXXX Report. I am not familiar with this inquiry. I I called Capital One immediately and it sounded like from what the representative said someone tried to open up an account so they closed it but said they cant do anything about the inquiry that I would need to dispute through credit union. I called a credit union to dispute and they said they would. Never heard back so I called again today and ask me to dispute via mail and to file ftc report
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020 my PayPal got limited permanently for a period of 180 days XXXX 6 months XXXX. It's now 14 months down the line and yet I haven't received my cash nor the limitations lifted. After the days were over I tried withdrawing the cash but I am still unable. I have contacted the customer care PayPal but they are not lifting my limitation. 
Case number XXXX Email address : XXXX XXXX
Product: Student loan

I am working toward XXXX XXXX XXXX XXXX ( XXXX ). In XXXX of XXXX my student loans were automatically transferred to XXXX XXXX XXXX. When XXXX XXXX became the servicer of my loans an error occurred during the process. My status was erroneously changed to " In School '' despite me not being enrolled in any educational program during that period. This incorrect status remained in effect from XX/XX/XXXX to XX/XX/XXXX. Throughout this time, I continued making monthly loan payments while working full-time for a qualified non-profit employer, with the sincere belief that I was on track to qualify for XXXX. Due to this status error, my eligibility for XXXX has been severely delayed. I should have been eligible for loan forgiveness in XXXX of XXXX, having met the crucial criteria of making XXXX payments and fulfilling the employment requirements for XXXX. However, this status error has hindered my progress, and I find myself unable to qualify for XXXX on the timeline I rightfully should be eligible for. 

I have made diligent efforts to resolve this issue with written communication and documentation provided to XXXX, Mohela, and XXXX. None of these actions has resulted in a resolution.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Capital One is repeatedly calling my child 's mother 's parents in an attempt to collect a debt. This is an abusive practice as the attempts to communicate with such persons as occurred more than once, they have identified from where they are calling without being expressly requested. Doing so has purported the implication that a debt is owed. The creditor has no reason to believe that I have ever resided at that property or could be found at that number. The owners of this number have reached out to me as they feel harassed by these abusive collection practices. The purposes of these calls are to defame, embarrass, and humiliate the debtor. This is damaging to my character and personal reputation in addition to causing strain in my personal relationships.
Product: Credit reporting or other personal consumer reports

Good day, I wan na let you know that there's an inquiry on my credit report that I don't recognize, I did not authorize this or given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022, I have been trying to get the credit bureaus and all of the companies who have been illegally furnishing my information to remove 2 accounts on my credit file that are not mine. I have provided them an identity theft report and in good faith tried to resolve this matter. My rights as a consumer have been violated on multiple occasions. Section 605 b of The Fair Credit Reporting Act states that any item that the consumer alerts a consumer reporting agency is a result of fraud, must be removed within 4 business days. How dare you even furnish an account on my credit file. I did not give you written permission. On top of the other violations being committed against me, XXXX Bank is committing tax fraud for reporting the fraud account they have listed on my file. It is listed as a charge off. This means they have written the account off and sold it. Therefore, they have no interest in the account. They are guilty of furnishing untrue information. I demand that these accounts be removed immediately.
Product: Debt collection

And a collection account was recently disputed from my credit report on XXXX With XXXX XXXX  as the debt buyer and XXXX XXXX XXXX XXXX is the original creditor This new collection company is trying to collect a debt I don't owe
Product: Debt collection

Purchased a vehicle and lost my job so I wasnt able to continue the high payments for it I contacted the car company and they said they would work with me but I couldnt pay for the car anymore and I keep receiving emails and texts about the payment
Product: Credit reporting

XXXX performed an unauthorized inquiry of my credit file on XX/XX/2016. I have a voicemail saying they took it upon themselves to pull my credit. I did not authorize this inquiry, and would be happy to play the voicemail for CFPB or XXXX. I disputed this inquiry, yet XXXX has not removed it from my credit file. During the dispute process ( XX/XX/XXXX ) someone at XXXX made a mistake and switched my current address with my previous address, now the address section of my personal information file at XXXX is incorrect. My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. My previous address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. Until this point, XXXX, along with XXXX and XXXX have been reporting my address correctly ( photo attached ). I have enclosed an XXXX research request form provided by XXXX that has my current address wrong. Also enclosed is my current address as previously reported correctly with all three credit bureaus. Additionally, XXXX utility bills with my correct current address are attached.