23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally dispute a fraudulent charge on my son 's credit card account, which is under my supervision. Below are the details of the disputed transaction : Date of Charge : XX/XX/year>2024 Amount : {$3000.00} Merchant : " XXXX XXXX XXXX '' Merchant Address : [ Bogus address leading to a house ] On XXXX XXXX, 2024, I noticed this {$3000.00} charge and immediately contacted my son, who confirmed that he did not make any such purchase. He resided in XXXX, Kansas, a small college town where no local business would justify such an amount. I promptly reported the charge to my credit card company, who assured me the transaction would be canceled, and a new credit card would be issued. 

Despite initial assurances and the credit of the amount back to the account, I was recently informed that we are now being held responsible for this charge. The rationale given was that the card was not cloned or stolen since my son made other smaller, legitimate purchases around the same time. However, this charge is out of character with his usual spending patterns and raises significant suspicion. We contacted XXXX Police Dept. XXXX XXXX, case # XXXX, his phone is XXXX they can't verify the merchant either. The address simply does not exist. I also have sent a picture of where my son was when this purchase was made ( he could not be at both places same time, with no response from the credit card. 

I have requested details about this merchant and received an address that does not correspond to any known business but rather to a residential house. This lack of verifiable merchant information further supports our belief that this transaction is fraudulent. The credit card company has not given us any information about what was purchased and where ( the real address ) this was purchased and they are saying this is a legit charge even after I called the day this was made indicating this was fraudulent Given the circumstances, I am formally requesting the following : A thorough investigation into the {$3000.00} transaction. 
Detailed documentation supporting your claim that my son made this purchase. 
Immediate re-crediting of the {$3000.00} to the account. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I have had multiple inquiries in recent days about my bank account ( seeking login info ) and XXXX-XXXX credit card issuing inquiries. All were fraudulent. Experian credit bureau is working on this with me. In looking at the Experian credit report I found several addresses listed that are not mine. Experian tells me these addresses were either from credit card inquiries or actual credit cards issued in my name. The fraud used my social security number ( and perhaps other info ). At least XXXX card is still active with my name and fraudulent address. It is not my card ; I never requested it ; I have never used the card. I filed a fraud alert on all XXXX credit bureaus. This week I have had three separate calls from credit bureaus alerting me to fraudulent use of my name and information.
Product: Credit card

I had mistakenly enrolled in a payment plan in back in XXXX of 2024 where it's policy was to close the card. After realizing I called Wells Fargo immediately and they opened my account again. Their policy was that they could reopen it, if the request was done that day. 

A week later they closed the account without any notice and or reason. I called to report and they said that they would work on re-opening as it shouldn't have been done. 

A few more weeks went by and I called to get an update on status and had no luck. They kept quoting a 10 day business turn around, but at the end of every 10 day period had made no progress. I have been referred to multiple different teams and over 10 representatives who have all taken notes on the account and acknowledged that this should be reversed and fixed. 

Most recently I called and there was no update. I need this fixed as it is hurting my credit and something that was incorrectly done. It has now been nearly four months since this was first raised.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. The unauthorized hard inquiries I am disputing are as follows : [ XXXX ] Inquiry Date : [ XX/XX/2023 ] [ XXXX XXXX XXXX  ] Inquiry Date : [ XX/XX/2023 ] [ XXXX XXXX XXXX XXXX  : [ XX/XX/2023 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met. As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter. Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing. I appreciate your attention to this matter and expect a timely resolution in accordance with the FCRA and other applicable consumer protection laws. Thank you for your cooperation. Sincerely, XXXX XXXX last XXXX [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately DISCOVER BANK XX/XX/2013 Balance : {$3000.00}
Product: Payday loan, title loan, or personal loan

Please see the previous Complaint ID : XXXX this case needs to be reopened. 

Lobel Finance states they have reached out to the Consumer this is FALSE! 

The Consumers have an open ongoing complaint with the Arizona Attorney General 's office Case # XXXX XXXX and at NO TIME has a resolution been reached or any settlement or agreement. 

Please see the attached letter from Arizona Attorney General 's office in which the case remains open. 

Lobel Fiance in conjunction with XXXX XXXX is clearly doing a bait and switch of overcharging for the final sales price of the vehicle original amount financed of {$8000.00} Lobel is attempting to have Consumers pay the ENTIRE {$12000.00} which would include the {$11000.00} included 35 months. 

Consumers are attempting to pay off the auto loan early in which the contract clearly states " no early payoff penalty ''. This is BAIT AND SWITCH Please see the highlighed attached contract page.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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 aN account without my written instructions.
Product: Checking or savings account

US Bank notified they were closing my account due to suspicious activity. When they investigated the situation, the fees that were charged were reversed and I was cleared of abuse. But they stated that they were still closing the account. I had to file another claim that was finalized on XX/XX/XXXX it was ruled in my favor but the account has not been closed yet and I still dont have access to my money. Im behind on my payments to my credit card, I want those fees reversed and these derogatory statements removed from my credit. I need my money now. I cant afford to wait anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There is information reporting on my credit report that should not be there
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Infiniti Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my Nissan Infiniti account would update on the XXXX of Every Month and it had stopped, I reached out to the Nissan Motors Acceptance Corporation ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were
Product: Credit reporting, credit repair services, or other personal consumer reports

ive called this company several times, mailed them letters but no answer. they are still reporting a repossession on my credit report when it has been more than 7 years and they have been paid in full. the repossession was on my credit report since XXXX or XX/XX/XXXX of 2015. 

The name of the company is Westlake Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

other reports show XXXX balance, closed... ..Experian update pending for months, please correct immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB, My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching my proof that Equifax has admitted fault and that I was a victim of this data breach and Equifax has done nothing to provide resolution ( s ). Please help me to delete these illegal accounts that are reflecting negatively on my credit reports.
Product: Credit reporting 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXXAccount name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My business closed in 2017. XXXX Bank and I were negotiating payments, the amounts were charged off. Three years later XXXX Bank still files a late payment each month which is killing my credit score. I am not late on any account I have and I pay my bills on time. XXXX is preventing me from getting credit. Because it was charged off when you call they don't see the account and tell me they can't help. Frustrated!
Product: Credit reporting or other personal consumer reports

I have noticed that there are several unauthorized inquiries and accounts from your company on my credit report. I have not authorized any of these inquiries, and they were not made for any permissible purpose. According to the FCRA, any inquiry made on my credit report must have a permissible purpose, and I have the right to know the purpose of each inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update these suspicious information. Credit Bureau must validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Trying to connect my PNC account to XXXX  and it will not let me, I have had a XXXX  account for almost 2 years and never had an issue in the past with it connecting but now i do. I would like to keep using this app to save money and would like for PNC to allow it to connect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 

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
Product: Money transfer, virtual currency, or money service

My mother attempted to send me a large sum of money via wire transfer via her bank ( XXXXXXXX XXXX XXXXXXXX XXXX ) to my Chase Bank checking account on the morning of XX/XX/year>. When she sent me a copy of the receipt, I noticed the bank employee at her bank typed my Chase checking account number by one digit. I immediately told Chase and my mother 's bank via phone call. The banks, but especially Chase, have seemed largely unconcerned with the high level of stress this has caused me ( the customer ), my elderly mother, and my family, who needs these funds. I have called Chase repeatedly and never get even an idea of how fast this can be undone. Even the person with the live Chase account who received these funds has been unable to get this reversed quickly, as he noticed the big mistake and has vowed not to spend it. I am beyond frustrated with Chase because the initial recall went out the same day of the transfer ( XX/XX/XXXX ) and her bank even had to do a second recall this week ( perhaps on XX/XX/XXXX or so ) with no response. My mother still does not have the funds back in her account, which is what we want. One man at Chase assured me it would be sent back in 3-5 days but others at Chase say they don't know and that no one should have said that. I don't know who to believe at Chase. Overall, very cruel and insensitive to our family 's situation. We may have to take out a loan to cover her college fees because Chase doesn't give us any response as to the status, always citing confidentiality. I keep saying I don't need anyone 's confidential info, I just want to know how fast a refund based on a recall can happen and I want to make sure they are working on it. The man who got the funds assured me he also called Chase. Chase has been on notice since XX/XX/XXXX of the mistake and recall by her bank. I have banked with Chase for XXXX, and I got my kids to bank there but after this experience, I may move over to a smaller, more caring institution. It's been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company does not explain where it got its information from. My Bankrutpcy is not mine.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Payday loan, title loan, or personal loan

I recently took out a hard money loan form Zinc Financial , Inc to purchase a fixer upper. My loan includes a mortgage loan and a construction loan. The amount of the mortgage is in the amount of {$340000.00}, and the construction loan is {$130000.00}. I am currently paying interest on the full amount of the construction loan despite the fact that I have not drawn from it. From my understanding, it is not a standard practice to pay interest on a construction loan that hasnt been drawn from or used. 

I signed the contract for the mortgage loan and the construction loan in XX/XX/2022. I have contacted Zinc Financial , Inc to discuss their practice of charging interest on a construction loan that I havent drawn from on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I talked to both XXXX XXXX and XXXX XXXX about this matter, and they both stated that this is a standard practice of Zinc Financial. When I requested to see a document that advertises this practice of theirs to share with a lawyer, they would NOT share it with me. As I mentioned, I have written emails and left voicemails requesting a written document that advertises this practice of Zinc Financial on charging interest on a construction loan that has not been drawn from, and I have received no response or acknowledgement of my request.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$14000.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$53000.00} XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$48000.00} This account has resulted in several 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I was approved for the XXXX  upgrade program with XXXX through Citizens One Personal Loans Account # XXXX. XX/XX/XXXX I received a letter from Citizens One regarding the above listed account number. I was told that there was a balance that had not been paid when I upgraded to a new phone and the account number changed. Upon calling on XX/XX/XXXX, I was told that the problem with the billing was due to Citizens One. I was not told of a work/investigative ticket # XXXX initiated by Citizens One until my recent phone call on XX/XX/XXXX after being denied the ability to upgrade. With the reason being POOR CREDIT PERFORMANCE WITH CITIZENS ONE. The outstanding debit was {$20.00} that I was unaware of until XX/XX/XXXX. I paid this outstanding debit on XX/XX/XXXX via debit card. I am fine with resolving the debit, but am not fine with the charge off that could have been and should have been prevented. I was never notified that Citizens One investigation with XXXX showed that I was the person that needed to cover the outstanding debit. I did not receive any correspondence via physical mail nor e-mail regarding the findings of the ticket/investigation. The above listed account was paid by a credit card that I provided, but was not charged the outstanding amount. I was given a new account and have paid it without fail as I did the above listed account until this issue.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX  certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EQUIFAX, XXXX, AND XXXX for failure to report information in compliance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards established by the Consumer Data Industry Association ( CDIA ). Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to provide accurate and complete information. However, the entity in question has reported inaccurate, incomplete, or unverifiable information on my credit report, violating these standards.

Despite my dispute, the information remains unchanged, and the furnisher has failed to provide proper verification. Under 15 U.S.C. 1681i ( a ), credit reporting agencies must investigate and correct errors within 30 days. This failure to comply directly impacts my creditworthiness and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with XXXX and Capital One with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the timeframes listed I also asked for assistance from each of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : XXXXSTATUS DATE *CLIENT NAME *BALANCE DATE. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX The results of the supposed independent investigation showed no cause for the unverified account to remain on my account. Ample request for investigation have been made to both collection agency and credit reporting agencies as to the accuracy and validity of this account. Please help me to make both collection agency and credit reporting agencies follow the rule of law and not violate the rights provided to consumers in both state snd federal ruling.