23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I reported my debit card lost There was undisputed charges At the amount of XXXX I did not have the debit card in my possession At the time of those purchases it was lost and never seen again by me I disputed the claim and later turn down as they claimed it was authorized transactions after I told them I lost the debit card that night
Product: Credit card

I am trying to pay my Target Credit Card which had gone into collections. I was getting a consolidation loan to begin cleaning up my record. Target Card ( Visa ) will not give me any documentation of what I actually owe. They orally have said that they will accept {$2000.00} to settle the card, but will not give me ANYTHING it writing to show this agreement has been reached. Of course, my fear is that I will pay them and they will continue to say I owe them more and more. If they are willing to put the amount in writing, I will gladly get them paid, but they will not. Please help! 
The resolution I request is simply to put in writing that if I pay them what we verbally agreed on {$2000.00}, they will accept it as payment and remove it as a lien. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I have pulled my consumer report for the second time and I have noticed that Equifax and XXXX are both reporting innaccurate and unverified accounts on my consumer report. I have requested the names of the people responsible for verification of these accounts and what method was used to come to the determination. According to fcra consumer law it is my right to have this information IN WRITING! I would also like proof of the the original contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both being reported by XXXX and Equifax!!!! I have no knowledge of these accounts and I am absolutely disgusted at the fact that this matter is being ignored after proper procedure being followed. This has caused severe stress and XXXX that my personal information has been allowed to be shared without my written consent and then put me in position to be threatened by debt collectors and unknown sources to garnish my wages or take me to court! Please fix this matter or respond in 5 days!! Its already been past 30 days that I have addressed this matter.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since 2020. I submitted over my Identity Theft Report ID and fcra 605 due to XXXX XXXX XXXX accounts. One of the account was removed from XXXX as identity theft but not the other. TransUnion has not removed neither. These accounts are 100 % not mine.
Product: Debt collection

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.

These inaccuracies are highly injurious to my credit rating.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in getting this account established. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like XXXX  and TransUnion to remove the remaining fraudulent accounts from my consumer reports.
Product: Money transfer, virtual currency, or money service

I cash app the wrong person and cant get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my credit. This person have caused my credit to dropped down 43 point. I do not know this individual. I just started building my credit for the past months now while someone is damaging that Im building up. This person is using my credit in a different state and Im in different state. If this person is not stop now, Im going lose all of my credit that Im fighting so hard to build up. I need this fraud to be held accountable for such behavior. 

This is the information of the fraudster that is using my credit. 


RADIUS GLOBAL SOLUTIONS Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$420.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$420.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$420.00} Balance Updated XX/XX/XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and Equifax has submitted a debt on my credit without my consent, according to XXXX XXXX Code subsection XXXX, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California XXXX, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( XXXX ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7, 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal or correction of inaccurate information on my credit report, which I contacted Equifax about on XX/XX/XXXX. To date, I have not received a response from Equifax regarding this matter. The details of the inaccurate information and the required corrections are as follows : The following account is not mine : Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$4000.00} Please remove it from my credit report. 

The following account is not mine : Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2300.00} Please remove it from my credit report. 

The following account is not mine : Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Please remove it from my credit report. 

The following account was never late : Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Please correct this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$7900.00} Please correct this inaccurate information on my credit report. 

The following account is not mine : Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

My adp Wisley prepaid debit account was accessed unauthorized via my phone. A transfer of {$1400.00} was sent to unknown debit card via the wisely banking app. I called my bank and filed a fraud dispute on XX/XX/year> which was closed and no credit was issued. I was on the phone with the bank when the transfer happened. Also while on the phone the bank was aware of 2 fraudulent charges that took place minutes before the transfer of {$1400.00}. They have told me all I can do is request documentation supporting their decision. I lost my paycheck due to this.
Product: Credit reporting or other personal consumer reports

XX/XX/2022, in XXXX, XXXX XXXX court in a divorce issue, the house and loan was my ex-wife responsibility. Court Documents were sent to all 3 credit agencies numerous times along with them being sent to Chase Bank in that I was no longer financial responsible nor own the home. They have refused to remove it from my credit report, tell me they don't have to remove it or take it out of my name after all documents have been signed three times. Last year I reported identity thief, and my credit is locked and now another credit card is on my credit report and getting phone call on that and on the late payment on the house. 
This has stopped me from getting financed for a home and they will not correct their mistake even when i have submitted document numerous times to all three credit agencies and Chase Bank. This has also interfered with me in getting any kind of loan when they don't report the truth on my credit report. I'm requesting your help in correcting these agencies and Chase and the credit card agency on my credit report.
Product: Checking or savings account

Greetings On XX/XX/XXXX I tried to pay a bill using my Robinhood debit card for the amount of {$750.00} $ this amount was not associated with any pending stock or any pending transaction this was on my settled funds the transaction got rejected, then my account became restricted, ive tried understanding why the same day but I had a very hard time the next day XX/XX/XXXX I tried to contact Robinhood again and they asked me to upload back in front of my Social Security number bank statement -pictures of my self holding my driver license. I did that on the spot XXXX over the phone told me that this would take four hours and my account will be unlocked again! Todays XX/XX/XXXX and my account is still restricted I have requested the supervisor for more than 26 times still getting ignored every single time I send an email asking for an update I dont receive any replies, Please help it is beyond hard to deal with Robin Hood
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$14000.00}, {$0.00}, {$15000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, tis account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The credit bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX XXXX OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS
Product: Bank account or service

On XXXX/XXXX/2015 I attempted to access my chase checking account for a periodic balance inquiry. however when I entered in all of my previous known login credentials online for this checking account, the chase bank website prevented me from accessing my account providing me with an error message indicating my login credentials were not correct. So I Immediately called Chase Customer Service to rectify the problem and to my dismay the rep i spoke with indicated my login credentials were no longer valid nd he advised that my username and password I used for the previous XXXX or more years as a chase customer with the same checking account had been recently changed. After he mentioned this I realized that my identity/personal information and login credentials were stolen. After providing this information to the customer service rep over the phone my account was flagged for fraudulent activity with no further access allowed until I was able to provide personally identifying information, along with a police report number to a local chase bank branch the next business day they were opened. I filed a PR with the XXXX, AZ police department explaining the situation and I was provided with a PR number. After speaking with several chase bank reps this same day i found out my identity was stolen, they indicated that on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015 a total of {$2400.00} in total had been paid out to a mutual chase customer through their chase quick pay electronic payment service. I advised them that this was not authorized by me and that the suspect who is also their customer stole my identity and login information to hijack my account and pay himself money out of my checking account without my knowledge. Chase fraud dept took my claim information this day and advised me to follow up so i did and I complied with all of their investigative requests only to receive a letter on XXXX/XXXX/2015 indicating they completed their investigation found that the transaction was processed correctly or was authorized and that no adjustments for a credit to me for the same would be made to me. Shortly thereafter I eventually closed this account after being with chase bank for over 10 yrs due to their lack of caring, lack of investigation and allowing fraudulent activities to occurr on their account members personal accounts. I believe that Chase bank should be held accountable for their careless reactions to this situation.
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$9900.00} has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX of the United States of America at the time the account was opened. I am a XXXX XXXX. 
15 U.S.C, 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I used my Wyndham Rewards Visa to make two purchases for online reservations and had used it another time before these charges but I did not make more than {$350.00} ( U.S. currency ) value of charges with this card and I paid off the balance within XXXX months. Since that time sometime last fall XXXX or XX/XX/year>, the company in charge of issuing credit, Barclays, of Delaware claims I have not made a payment and that there is a different balance on my credit account than XXXX.