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

on XXXX, am writing to report fraudulent activity on my XXXX XXXX XXXX XXXX account, as protected under the following USC codes : USC 15 : Fair Credit Reporting Act ( FCRA ) - Pertaining to consumer rights and responsibilities in credit reporting. 
USC 1681b : FCRA Section 1681b - Addresses permissible purposes for consumer reports, ensuring accuracy, fairness, and privacy. 
USC 1666b : Electronic Fund Transfer Act ( EFTA ) - Protects consumers from unauthorized electronic fund transfers, including those on credit cards. 
USC 1692c : Fair Debt Collection Practices Act ( FDCPA ) - Regulates communication in connection with debt collection, including validation of debts. 
On [ date ], I noticed unauthorized transactions on my account with XXXX XXXXXXXX XXXX XXXX totaling [ amount ]. These transactions were not made by me and are therefore fraudulent. 

Upon discovering these unauthorized transactions, I immediately contacted XXXX XXXX 's customer service department on [ date ]. I spoke with a representative and informed them of the fraudulent activity on my account. I requested that the unauthorized charges be investigated and removed from my account. 

The representative assured me that they would initiate an investigation into the fraudulent charges and advised me to monitor my account for any further suspicious activity. They also provided me with information on how to dispute the charges and provided me with a reference number for the case. 

I have since been vigilant in monitoring my account for any additional unauthorized transactions. However, despite my efforts, I have not received any updates from XXXX XXXX regarding the status of the investigation or the resolution of the fraudulent charges. 

I am deeply concerned about the security of my account and the potential for further unauthorized activity. I urge XXXX XXXX to expedite their investigation into this matter and take the necessary steps to rectify the fraudulent charges on my account. XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$710.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed No Information Furthermore, I request that XXXX be notified of the account I am disputing and take appropriate actions to rectify any inaccuracies on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX These USC codes are pertinent to the resolution of this matter and should be considered during the investigation process.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to seek your urgent intervention in a distressing matter concerning the unjustified closure of my joint checking account with my wife at JPMorgan Chase Bank, N.A. ( Chase ).

Recently, we received a notification from Chase stating that our joint checking, savings, and credit card accounts were slated for closure. We promptly reached out to Chase 's customer service representatives on multiple occasions seeking clarification. However, each time we were met with the response that Chase was unable to disclose the reason for the account closure. 

In an attempt to resolve the issue, we visited a local Chase branch where a banker informed us that only my name had triggered an alert, and that removing my name from the accounts would resolve the situation. Acting upon this advice, we promptly had my name removed from the accounts. Subsequently, we were reassured by the banker that our joint checking and savings accounts would remain active. 

However, despite the removal of my name and the reassurance provided by the banker, we received yet another communication from Chase indicating that our accounts would still be closed. This has left us utterly perplexed and deeply concerned about the lack of transparency and apparent inconsistency in Chase 's actions. 

Despite our continued efforts to seek clarification and comply with Chase 's policies, the bank has persistently refused to provide any explanation for the account closure. 

This situation has not only caused significant inconvenience but has also raised serious questions about our rights as consumers and the transparency of Chase 's practices. 

Therefore, I urgently request the CFPB 's intervention to investigate this matter and compel Chase to provide a clear and detailed explanation for the closure of our accounts. Also, We believe there may have been an error in Chase 's system, and we kindly request that they review this matter and consider reopening our accounts. We are fully committed to complying with Chase 's policies but believe that we are entitled to a satisfactory explanation for the actions taken by the bank. 

Thank you for your attention to this urgent matter, and we look forward to a prompt resolution with your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re XXXX XXXX Account XXXX Dates : XXXX XXXX, XXXX XXXX, XXXX XXXX Dear Sir/a'am : Last year, I submitted a certified letter to XXXX, XXXX and Experian to notify them of gross inaccuracies on my credit report. I filed a dispute against XXXX because XXXX reported 60, 90, and 120 day late payments in XXXX, when the payment was not as late. For example, the payment was received in XX/XX/XXXX, but the following month ( 30 days later ) they said my payment was 60 days late. This is erroneous and mathmatically incorrect. The investigation was speedy, instead of thorough. I also filed additional disputed online for the same issue, due to failure to be resolved. Unfortunately, I never received a copy of my results of the investigations on how they came to the conclusion to keep errors on my credit report. Their errors have impacted my ability to purchase a home for my family. Please, help!!!!! I have attached the file for your review. Please review carefully to see the error. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, I sent an investigation request to Equifax. 49 days have now passed, and Equifax has not responded. They are supposed to respond within 30 days.
Product: Credit card or prepaid card

Every company that uses synchrony bank has decreased my balance with out notice. This has also happened everytime I pay down my card they reduce my credit limit. Keeping my cards at 90 % use. This is ruining my credit I'm trying to build. Customer  service is no help at all.
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted XXXX and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a written request for debt validation to XXXX, TransUnion, and XXXX pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), which grants me the right to dispute inaccurate information on my credit report and request an investigation. I specifically identified the disputed accounts and provided supporting documentation to demonstrate that the information being reported is inaccurate.

As of today, All 3 bureau ( s ) have failed to respond to my request or provide the required validation of the debt. Despite my lawful dispute, the bureaus continue to report the inaccurate information on my credit report, which is harming my creditworthiness and causing financial and emotional distress. 

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. The bureaus failure to comply with my request and their continued reporting of inaccurate information violates my rights under the FCRA. 

I am requesting that the CFPB intervene to ensure that the credit bureaus comply with the law, conduct a proper investigation, and remove or correct the inaccurate information from my credit report. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question.. 
XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> [ XXXX XXXX XXXX Name ] [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Student loan

I would like all of my student loan accounts removed pursuant to 15 usc 1681 ( b ) ( 2 ).
Product: Money transfer, virtual currency, or money service

I am writing to 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 unfeasible. The CFPB 's 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 concerns about consumer safety.
Product: Debt collection

Midland credit management ( mcm ) garnished my XXXX XXXX XXXX XXXX account and locked all of my accounts with the credit union. I paid Midland credit management on the XX/XX/2023 which was within 24 hours of notification from XXXX XXXX XXXX. MCM was in the process of garnishing my va XXXX which is the only income I receive. I've paid them every cent and they still hasn't released my XXXX XXXX XXXX XXXX. They still have my accounts on garnishment locked. I need my bank account released.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

Last month I applied online for a Capitol One Savor credit card and was instantly approved. I used the card for one month. When setting up online bill payment to pay my first bill, and after linking my personal checking account to Capitol One 's portal, I discovered that a fraudulent cellphone number was pre-populated into my account and made primary. Unbeknownst to me, Capitol One said that in 2020 a fraudulent application was made in my name for a XXXX 's credit card, and was denied. However Capitol One migrated this fraudulent cellphone number into my new account, and set it as primary - meaning that it would be the one used to make all changes to my new, non-fraudulent account. I was unable to delete it myself. Ultimately Capitol One deleted the fraudulent number. However my complaint relates to the process that allowed this to happen. I request that this agency follow up with Capitol One to ensure this process is changed, as this automatic upload of a fraudulent cellphone number put my personal and financial info in jeopardy.
Product: Money transfer, virtual currency, or money service

I am expressing my frustration and concern about how Zelle handles disputes. Despite being an occurring user of Zelle, Zelle and my financial institution failed to investigate my claims. In the past they have just told me that tracking and the return of funds couldnt be done. The CFPB findings indicate that Zelle has failed to protect their consumers and has allowed action like this happen multiples throught the app and everyone who uses it. Leaving the consumers vulnerable to scams without a way to ensure their funds being safe. The lack of accountability and transparency is unacceptable and raises concern about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please not this complaint is not duplicate, it's due to new evidence. I'm not using any third party for this matter. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them on XX/XX/2022, stating '' They do not report any bankruptcies to anybody ''. So, if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the XXXX5 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX XXXX  XXXX The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my XXXX Credit REPORT. Only XXXX has reported this information on my credit history. Please note : ONLY EQUIFAX HAS REPORTED THIS ACCOUNT - RECORD ON MY REPORT.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


US DEPT ED XXXX {$3600.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7900.00} US DEPT ED XXXX {$5600.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4300.00} US DEPT ED XXXX {$4200.00} XXXX XXXX XXXXXXXX XXXX : {$23000.00} XXXX  XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Product: Credit card or prepaid card

I have had a XXXX credit card with comenity bank for over XXXX  years. I misplaced the card during a move to a new home that was then renovated for a year during Covid. I did not use the card during that time frame. I logged into the account on XX/XX/XXXX and reviewed my available balance which was {$1400.00} with no issues Account ending in XXXX. I attempted to request a new card through the online secure message system and I was informed my account was closed on XX/XX/XXXX and told to reapply for another. Not only that the day after on XX/XX/XXXX I attempted to login to my account only to discover an error message detailing that the login information I input was invalid as if the account no longer existed. I contacted customer service via phone XXXX  times and the automated system hung up on me each time after verifying the last four digits of my social. I suspect foul play. 

This is outrageous and unethical for a number of reasons. I regularly used the card and paid for my balance in full. I have never been late, or missed a payment, I generally kept a {$0.00} balance on the card after using it. I provided good business to comenity bank in good faith for years, for comenity to engage in a business practice that would negatively impact my ability to qualify for new credit and retain credit at reasonable rates is bad business. All of the good previous history I have on this credit card has been negated! I now also have no access to previous records. And reapplying would be another hard inquiry on my credit which would consequently negatively impact my XXXX XXXX. I would like to speak with someone about reopening my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Bankruptcy Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX CT XXXX, MD XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX BANK XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX CARD XXXX Balance : {$2900.00} XXXX CARD XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} U S DEPT OF EDXXXX Original creditor XXXX XXXX  XXXX Balance : {$1600.00} XXXX BANK XXXX Original creditor XXXX XXXXXXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  Original creditor XXXX BANK XXXX XXXXXXXX Balance : {$1400.00} XXXX CRD SRVC Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.