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

Experian has been violating the FCRA Laws for about a year now. Firstly, They have been reporting the same invalid information on my credit report, for awhile now. These are accounts that were opened as a result of identity theft, and all Experian reports back is that they have remained on my credit file, they verified this information with the data furnisher who has assured Experian that the information is being reported accurately. However Experian can't provide any proof of this. Because the Creditor ( XXXX XXXX XXXX ) is Experian 's Vendor, and Experian has advised me even though the accounts are fraudulent. Both are credit cards, and both were opened online from XXXX using fraudulent applications for both cards, neither card was ever received by me nor used by me. That they have verified it. They are verifying Fraudulent Credit Cards somehow, that were the result of identity theft, However they certify this with their " Data Furnisher '' As Accurate, and or they just send me a letter saying the creditor may not know how to contact me which again is a lie. I called this creditor, I have already reported BOTH Credit Cards as fraudulent. Per the FCRA Law 603 ( B ) If an account is opened as identity theft, and you have provided significant documentation ( FTC Identity Theft Affidavit ) Along with Identification, that you can request the Credit Bureau block this inaccurate fraudulent information from being reported on your credit file known as being suppressed. Experian, Will not even dispute these accounts and have advised me they don't have to, as they have disputed it before and that I didn't provide relevant information. I Have Provided them with what was sent to my local law enforcement office, a copy of my police report. Experian refuses to assist even with this. The Accounts are both Fraudulent. They are also reporting a fraudulent ( XXXX XXXX ) Account that again was not authorized, and that was a result of fraudulent accounts being opened with stolen identification.
Product: Credit reporting or other personal consumer reports

As per the guidance from the CFPB, the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and remove this information from my credit report with FOUR BUSINESS DAYS.

Please delete the following accounts : XXXX XXXX XXXX bal. {$690.00} XXXX XXXX  bal. {$430.00} XXXX XXXX  XXXX. {$690.00} XXXX XXXX XXXX. {$500.00}
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report, I noticed some accounts I am not familiar with, I have asked the CRAs for validation of debt however the information has not been provided. Due to my information being exposed, I have submitted an ftc complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC Complaint, Copy of the XXXX  report showing my information being exposed in a national data breach and a validation of debt letter.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

For several weeks a debt collector has been contacting my work and when told I am not available he asks to speak with my boss. I contacted this debt collector on XXXX/XXXX/XX/XX/2015 to discuss debt repayment options and told him to stop contacting my work as that is illegal. He told me that I had to fax a paper stating i do not want contacted at work. I also told him i am not allowed personal calls at work and if he contacts me in the evening I would answer his calls. The very next morning on XXXX/XXXX/XX/XX/2015 he contacted my work again. The office manager told him to quit calling work that this is illegal and hung up on him.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - requested & reviewed Experian credit report utilizing free annual credit report.com On review, disputed entry regarding credit card account issued by XXXX XXXX XX/XX/XXXX. I have never heard of, had phone conversation or other correspondence with this bank. 

XX/XX/XXXX - message from Experian with link to review results which shows the bank has verified the account is active - dispute rejected. 

XX/XX/XXXX-XX/XX/XXXX - received welcome letter & credit card from XXXX XXXX for an account to be used at 'XXXX ' store. Again, I have no knowledge of, have never purchased from, or any other interaction with XXXX XXXX, or XXXX. ( Please note this card was received more than 3 months after the credit report shows that it was opened ) XX/XX/XXXX - went on XXXX Website to request account be closed, and all reference to the account to be removed from my credit report. To date, there has been no reply from XXXX XXXX. 

To date, and to my knowledge, there has been no financial transactions, or liability. This appears to be a scam marketing campaign. I have not held a store credit card since I closed a XXXX card more than 25 years ago. I hold a combination of more than 5 XXXX, XXXX, and XXXX cards each with a minimum limit of {$15000.00}. Why would I want a card for XXXX with a limit of {$750.00}? 

I want the reference to be removed from my credit report. The bank & XXXX should be given a strong warning, and or financial penalty regarding this type of marketing.
Product: Credit reporting or other personal consumer reports

WROTE letter to opt out ( XXXXXXXX XXXX XXXX XXXX ) from sharing my personal info, and i did not give consent to any inquires that's being reported to my credit report! 
also i called all THREE credit bureaus and they refused to remove inquires ( XXXX XXXX XXXX ) which is a violation XXXX $ each promo i never gave no one consent to peek into my report that's illegal ' and violation of the privacy act of 1974 and violation of 15 usc 1681b 1000 $ violation each and i would like to collect. FOR EVERYONE WHO WAS Involved in this fraud
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear COMENITYCAP/XXXX, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside Missouri identity theft fraud laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223. 

It has unequivocally come to my attention that COMENITYCAP/XXXX  has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the importance of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with unwavering certainty that I have not provided consent for COMENITYCAP/XXXX  to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and showing a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that COMENITYCAP/XXXX  immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that COMENITYCAP/XXXX  will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXXXXXX XXXX, 2022 to XXXX, XXXX and Equifax. Here are my tracking numbers ; XXXX : XXXX XXXX : XXXX Equifax : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete The item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX, XXXX . XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX  Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is stonewalling my attempts to clear my name from negative marks on my credit report. I have written to them on numerous occasions over the past 6 months expressing concern that they are reporting inaccurate information. They are reporting negative marks that do not belong to me. I asked them for proof that these negative marks belong to me and they ignore those requests. They conveniently send 'form ' letters with he last one claiming they don't understand the nature of my request which is utterly ridiculous. 

This is a willful attempt to circumvent their obligations under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX ( XXXX ) and the unknown collection account on my XXXX  - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was adversely effected by erroneous information on my credit report. I requested an investigation and removal of the erroneous information from my credit report. I can't get employment or housing due to this information.
Product: Debt collection

For the last 3 months I have been sending letters to Portfolio Recovery Associates, XXXX to validate a debt that they claim I owe. Since then they have not furnished all the information to me to prove that the debt belongs to me.I sent off a certified letter to them asking them to validate the letter and they sent letters with little to no information with no information. One letter I received 3 different times from them and it only stated that the company was sold. Since then I've reviewed my credit report and noticed that this company is reporting differently on all 3 bureaus and most of the information is lacking correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report not popping up XXXX XXXX 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my adress.
Product: Checking or savings account

yet another bank account blocking my funds for no reason. On XX/XX/XXXX i recieved my tax refund to my Citibank account. well there was some unauthorized transaction for a XXXX dollars on my account, I called CITIBANK to stop payment on that check. well the bank that the check was deposited to refunded me the money so i figure everything was good, well on the XXXX of XXXX i tried to acess my acount but it was blocked. i called CITIBANK again to figure out what happened. they told me they couldnt verify my account.. they used the word unfortunately so much that im starting to wonder why i opened this account. now after my lights got cut off and my landlord harrassing me about the rent, they still didnt resolve the problem. XXXX comes around now mind you im still trying to get this block off but they would unblock it long enough for me to get some money off of.. okay monthly charges are XXXX dollars a month they can acess their money but cant let me into my account.. thats not right. when the new card finally came i got to use it maybe 3 times before they blocked it again. talking about an alert on the account. i called when some of my purchases were declined but i have XXXX dollars in my acount ... now they know i just recieved that card and everytjhing i needed to pay buy or send i was doing until they blocked my card again.. they wont let me transfer the rest of my money out of that account. i have been warned at work for being on the phone with CITIBANK holding for aleast 1 hour for them to tell me UNFORTUNATELY ... its been so stressful my XXXX XXXX is up.. i cant buy food or send my kids to daycare because i cant buy food. im so upset right now.. this just cant be happing again.. please help.
Product: Debt collection

XXXX quit providing channels I subscribed to therefore breaking our contract. I called to cancel our contract and later returned all equipment. I cancelled 2 days into a billing cycle which I offered to pay if sent an appropriate bill. The only bills I received were in excess of {$200.00} which I did not pay. I do n't feel I should pay {$270.00} for two days service.
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 the recent CFP. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle refused to investigate my claims adequately. They informed me that recovering my lost funds was impossible and tracking these transactions was infeasible. The CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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: Credit card

XXXX XXXX XXXX XXXX Servicers Not Performed after XXXX Months and No Documentation or Explanation... They Just Took My XXXX 



The Florida Bill Of Rights Clearly Requires Transparency : Summary of the Florida Patients Bill of Rights and Responsibilities Per Florida Statute 381.026, Florida law requires : -- -- -- -- -10. A patient has the right to receive, upon request, prior to treatment, a reasonable estimate of charges for medical care.

11. A patient has the right to receive a copy of a reasonably clear and understandable, itemized bill and, upon request, to have the charges explained. -- -- -- -- ---
Product: Checking or savings account

I am filing a complaint against Chase Bank and the investigator for a transaction at a post office for {$1000.00} that was fraudulently taken from my account. This is in response to an original complaint I made against the bank where they failed to do proper due diligence in investigating my case and kept my money in a transaction their bank never fulfilled.

Original Complaint-XXXX : On Monday, XX/XX/XXXX, between XXXX ; XXXX and XXXX XXXX  I tried to purchase a money order at the post office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used both my Chase debit cards and each one was declined. When I went to check my account, the money had been deducted from my account, but the money order wasn't processed. I went to the clerk again and she said that the money order was declined which is why their machine wasn't able to process it. I went back two days later to speak with her and recorded her repeating the same thing on video. Anyway, I called and made a complaint to Chase on the same Monday to their fraud department. I was promised to have the money credited back to my account within 2-4 business days, it's been 6 days now. I called again on Wednesdays and they said it should only take 4 days at most. When I called again yesterday, XX/XX/XXXX, I was told that they would take care of it and return the money since the transaction posted. I checked my account today ( XX/XX/XXXX ) and the money ( {$1000.00} ) still hasn't been credited to me.

New Complaint : I have read Chase Banks response and it didn't address my concerns at all, in fact it deflects the blame on me. First, I never received a money order from the post office I paid for. Secondly, Chase Bank insinuates that the transaction did go through on the first card and that only the second card was declined when I specifically told them that both my debit cards were declined at the point of service. The clerk at the post office can verify this too. I have made a complaint with the post office since then and who have been much more responsive and considerate than the Chase representative, XXXX XXXX. When XXXX XXXX contacted me he asked for additional evidence to provide him in the investigation. I told him I would get back to him. When I called back two days later with more evidence he told me the investigation was closed while denying he ever asked for any additional evidence previously to resolve this problem. In the complaint I made with post office ( Service Request # XXXX ), their preliminary investigation found there were no money order transactions made for {$1000.00} at that post office branch that whole day. So it seems that the problem reverts back to Chase bank. The money was taken from my account, the post office never received that money, I never received a money order, and that my money still resides in Chase bank.
Product: Debt collection

In accordance with the Fair Credit Report act, 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.