23daVinci/CFPB_Complaints huggingface dataset:
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 {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in dispute for quite sometime over the following items : NONE OF WHICH HAVE BEEN BOTH VERIFIED AND VALIDATED NONE OF THE NECESSARY PROOF OF VALIDATED AND VERIFIED CLAIMS HAVE BEEN PROVIDED TO ME, THE CONSUMER. 
XXXX Closed Acct, -Closed Alleged Late Payment : XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : Alleged Late Payment XX/XX/XXXX -XXXX  : : Alleged Late Payment XX/XX/XXXX XXXX XXXX XXXX : BALANCE {$480.00} BALANCE UPDATED XX/XX/XXXX I have disputed these claims and informed them of violations within reporting these items : 15 U.S.C 1692 15 U.S.C 6821 15 U.S.C 1681B I DID NOT CONSENT NEITHER PROVIDED NOTICE TO REPORT ANY ACCOUNT STATUS/INFORMATION.
Product: Mortgage

The company was totally incompetent at handing off the process from one person to another. Any response I had to a request for information from them took days to respond to. Despite being told that I will be out of the country and need a POA, I wasnt notified until the night before the closing that the POA has to be a relative and I was not given a reason. The closing company was surprised by that requirement as well. Despite being told that the closing was XX/XX/XXXX from the beginning and that I will be in flight/transit on the day of closing and would need to wire money the day before, I did not get a final closing disclosure with the final amount. The one I did get was very different than the final one. The closing company was waiting for better.com to send them documents and were extremely delayed. 

They kept changing the terms of the loan regularly. and any updates from me would not get logged or anyone at better.com notified about that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to the credit bureaus XX/XX/2021 letting them know i was a victim of identity theft i sent a identity theft report along with a police report naming the accounts that were fraudulent. Under FCRA 15 U.S. Code 1681c2 ( a ) this information should've have been blocked from my report which it never was and after i disputed this account. I received correspondence that this account was verified which is false this account has not been properly verified and according to XXXX U.S. Code 1681i ( 5 ) ( i ) this account should have been removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX are all reporting Incorrect information on my credit report. I called XXXX today because i received a copy of my credit profile. I noticed many errors on my report. They were not able to provide me with all the information. Information is still being withheld concerning who or what agency reported certain inaccurate information. My Fico score has dropped as a result. I have filed a fraud alert with the FTC. I am furthermore requesting that all fraudulent information to be removed from my report. This has caused me to miss out on many financial opportunities.
Product: Checking or savings account

XX/XX/XXXX at XXXX XXXXXXXX XXXX$900.00} was taken out of my checking account From chime XXXX XXXX, I place a dispute on the amount and never received the money back
Product: Checking or savings account

Over the past 3 months, Bank of America has failed to close fraudulent checking accounts opened in my name, and has allowed the fraudulent account owner to transfer and withdraw money from this account. I have repeatedly called Bank of America customer support about this, with the lowlight being a XXXX hour phone call around XX/XX/XXXX where I was bounced around between XXXX customer service agents. After the phone call in late XXXX, I was assured that the account was closed. Several days ago, Bank of America mailed me ( to my parents ' residence, which is my old address ) an account statement for the fraudulent account. This statement shows an active account that was created fraudulently with my identity. 

Bank of America has told me repeatedly that this account ( and other fraudulent accounts that have been created ) were closed, and I am now finding that they have not delivered.
Product: Debt collection

I've tried disputing this debt with XXXX XXXX as well as XXXX because the debt is not mine. My identity was used to obtain a phone line that I did not request and I do not know the year this was originally opened because it is not displayed properly on my credit report. I've been on a Family members phone line and for a long time and do not have my own XXXX Account and never did. My Social Security Number & Identity has been stolen and used in the past. I even have a freeze on my credit as well as a Fraud Alert because of this and trying to remove this debt has been hard because it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised that on XX/XX/2021, XXXX XXXX obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.
Product: Credit card or prepaid card

I opened a Credit Card with XXXX XXXX, with 0 % interest for 12 months. After I was approved, they sent me some checks that I didn't request. After using one of the checks I got an {$89.00} fee and they started charging me interest. 
Why are they allowed to send these checks that are full of fees? I sing up for a credit card with the conditions I agreed, I didn't agree about them sending these checks with all this fees and interest. 

When I called to ask they said that if I wanted to pay off the debt, I would have a {$200.00} interest fee, I said to them that they just charged me {$45.00} interest a few days ago and I should be able to pay off with no penalties. 
They said they charge daily interest. 

What can I do?? 

Thank you for your help
Product: Credit card

These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!
Product: Mortgage

Over three years ago my neighbor walked away from her house. The house has been empty and the utilities have been shut off for this whole time. The home is deteriorating and in need of repair. The lawn maintenance has not been completed regularly and our city left a notice on the front door regarding the un-mowed lawn. I tried to contact the mortgage company and have been unsuccessful. I 've contacted the companies that have been managing the property and they do not respond to my complaints. We live in an HOA managed subdivision and we are required to maintain our homes to a high standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had moved to over seas on XX/XX/2015 permanantly but had noticed someone stole my information and screwed my credit.I was in CA for short period of time and I think my room mate had my information and used my info. 
This is not mine Diversified Consultant Acct # XXXX
Product: Vehicle loan or lease

I initially was trying to find out how voluntary repossession works. The gentleman I spoke with would give me any information untill I said yes that I do want to do a voluntary repossession. Since XXXX the company West lake financial has has called me at least 2 to 3 times almost every day since. I have tried to talk to them several times but due to poor communication between myself and their representatives I dont feel like any issues have been as resolved as they could be. I believe it was XXXX that the voluntary repossession took place. Several days ago I received a letter letting me know the car would go to auction. I knew that letter would come. As I am writing this I just received a call from them. It is the second call of the day. They are calling at a rate that has been feeling like harassment for awhile now. I am now waiting for the car to be sold at auction to find out what the deficiency balance is going to be. Then I can work towards getting that paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to TransUnion, XXXX, and XXXX to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Debt collection

Received letter from SIMM Associates stating I owe a trust XXXX that I have never heard of. I believe they have the wrong person. So I sent letter on XX/XX/2024, requesting additional information. A date of service for services rendered or a date with copy of contract signed. Received no response as XX/XX/2024.
Product: Debt collection

This debt does not belong to me. My social security number does not link with this. I keep getting mail about this. I spoke with the company multiple times and they can not prove it belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, XXXX, equifax, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section a states I have the right to privacy.

Delete these addresses they do not belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to XXXX XXXX credit cards etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX, along with my correct documents and i hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file.

Despite my efforts to address this directly with the credit bureau ( s ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ).

The account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( s ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA.

Under FCRA Section 611, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved.

The credit bureau ( s ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account.

My Requests : 1. Immediate Deletion : - I am requesting that the credit bureau ( s ) immediately delete this account as it is fraudulent. If it can not be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed.

2. Investigation : - I demand the credit bureau ( s ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account.

- The ID used to open this account and proof it matches my information.

- Full chain of custody of the account and records of all transfers.

- Proof of legal authority and licensing of the debt collector/creditor to collect this debt.

3. Compliance with the Law : - The credit bureau ( s ) must comply with FCRA Section 611 by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action.

This fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me.

I have attached all relevant documentation, including my correspondence with the credit bureau ( s ) and copies of my credit report reflecting this account. 
Thank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, inaccurate inquiries are currently reporting to the three credit bureaus that I applied for credit with those organizations listed below. I did not grant any authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Product: Debt collection

On XX/XX/2021 I received a letter from Synergetic communications inc stating that I owed an outstanding debt of {$10000.00} and and claimed for a discounted offer for {$2600.00}. The company claims this debt was due from XXXX XXXX and XXXX XXXX. I checked my credit score on XXXX, XXXX XXXX, XXXX and XXXX and there are no current collections from this company. I have never received a phone Call or any previous notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaints about the same thing for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and Central Portfolio have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

I need these accounts removed from my credit report immediately and an updated copy of my credit report sent to my current address.
Product: Checking or savings account

Wells Fargo Bank reporting negative on my credit reports for fraudulent charges and transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX XXXX and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXX to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 feasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving the user vulnerable to scams.
Product: Credit card or prepaid card

on XX/XX/23 I filed a dispute with my bank for non receipt of merchandise " Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$350.00} : my dispute was denied even though I never received the product, the product is clothing from a company called XXXX, the package was supposed to have a signature required, which my signature isn't on the package, chime denied my dispute saying that the package was delivered which in all reality the package never was delivered, chime has not been any help with helping me get my money back from this company, I bank with chime as my primary bank and they should treat customers with more care. this is all of the money I had in the bank at the time and I was buying clothing for my children. I need help getting my money back
Product: Debt collection

I am disputing a debt on my credit report by AARGON AGENCY. It is a medical debt with the city of XXXX for an XXXX XXXX. As of XX/XX/scrub> 2025 medical debts are not supposed to be on credit reports per CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the Bureau 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 consists of : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated ARS Account Resolution and XXXX XXXX XXXX XXXX are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter
Product: Payday loan, title loan, personal loan, or advance loan

Onemain financial is suing me for {$8900.00} as of XXXX XXXX
Product: Credit card

Im writing to file a complaint about my experience with Citi bank on my citi bank credit card on XX/XX/XXXX. I had a transaction with a merchant where the goods I received were counterfeit. I reached out to the bank within the required timeframe to file a chargeback claim to this transaction. 

I received a notification on my email XX/XX/XXXX that I will be sent a letter requesting more information. I never received this letter. I received another email on XX/XX/XXXX that the dispute was closed due to them not receiving the letter back ( the letter I never received ). 

I called that same day to reopen the dispute, and was reassured by the representative that since I havent received the letter, Ill be able to continue the dispute. On XX/XX/XXXX, I received another notification that another letter was sent. I was able to respond to it in a timely manner with all of the requested information, and call to confirm they received it. 

On XX/XX/XXXX, I received another email saying my dispute investigation was completed, and it was ruled against me due to there having been too much time passed since the transaction ( no acknowledgement of the reopening of the dispute or the first letter not received ). I called the same day to explain the situation, where the representative agreed with me that the dispute was initiated within the allowed time window and that shed reopen it and request an escalation if necessary. 

On XX/XX/XXXX, I received another email, with the letter being identical to the one received on XX/XX/XXXX. I split the transaction on this purchase over 5 different credit cards. All of the other cards were able to resolve this identical dispute in my favor, citi just refuses to take responsibility for their failure to send the letter and handle my dispute the way they should.
Product: Debt collection

Ability Recovery Services is attempting to collect a fraudulent debt and reporting illegally on my credit report. In XX/XX/XXXX I sent, via certified mail, a 93A Demand Notice requesting validation of debt and informing Ability of their illegal reporting. They failed to reply. In XX/XX/XXXX I sent a second 93A Demand, via certified mail. They failed to reply however they did remove their listing from my credit reports. In XX/XX/XXXX I sent a third request for validation of debt. They failed to reply. 
In XX/XX/XXXX Ability fabricated the same account, claiming it was a new account, then again reported to the bureaus. They failed to provide me with my rights under federal and state law. They also added this " new '' fabricated account illegally to the bureaus in violation of federal and state law.
Product: Credit reporting or other personal consumer reports

EquifaxXXXX XXXX all mishandled my personal information sold my information to other companies without my permission I have hard inquiries on my credit that I have no knowledge of I'm asking this be removed due to the negligence of these companies. This is damaging my credit and my career.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting LexisNexis Risk Solutions place a freeze on the credit/information report. They are requesting I provide them with a copy of my social security card, drivers license and other personal information. I am the victim of identity theft, so I am not willing to provide anyone with any personal information. I have a personal and religious objecting to companies using numbers as a means of identifying me. Regretfully, I can not prevent LexisNexis Risk Solutions collecting personal information and using my social security number or drivers licenses number to identify me. I can comply with my religious beliefs by not assisting nor supporting the use of a number as an identifier.