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

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

FRAUDULENT INQUIRIES : Creditor Name : XXXX XXXX Type of Business : Bank Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXXXXXX Type of Business : Bank Date of Inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XX/XX/XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
Disputed Inquiries : 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX AUTO - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) What Happened? 
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint XXXX ) filed on ( FTC Complaint XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX AUTO - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card or prepaid card

Hi. My name is XXXX XXXX. I have never had a Discover Card. I have been a victim of identity theft and have worked hard to get it removed from my report. For some reason a bankruptcy has been reporting on my report on XXXX and I am working with them to get it removed. It has been removed from XXXX and XXXX. It was a dismissed bankruptcy, nonetheless, it shouldn't be there. On XX/XX/XXXX I applied for a Discover Secured IT account so that I could start rebuilding credit. I have an installment loan reporting but I needed a secured card. I applied and I was denied. When I called to ask why, they said it was because of the Bankruptcy. I took it for what it was. Well then, in one of my credit groups a young lady said she had gotten approved for an unsecured discover it card and she has a bankruptcy that was discharged in XXXX. So now that I see this, I really want to know what is going on and what is the real reason that I was denied. Is it because Discover doesn't like me? What is it? I don't understand. It made me feel that she either beat the system or that I am being discriminated against. I would like my application to be reviewed manually and for someone to reach out to me.
Product: Credit card or prepaid card

Every transaction for the Wells Fargo issued credit card was transacted by XXXX XXXX, Founder and CEO, on behalf of XXXX XXXX XXXX. The card was issued under the name XXXX XXXX XXXX, yet Wells Fargo was already aware of the card 's intended use and the card was obtained for XXXX XXXX XXXX. XXXX XXXX has reported the incident to Wells Fargo to which the CEO contacted him recognizing there is an issue. XXXX XXXX did not engage in a phone call, as the correspondence with Wells Fargo already stated to never contact him with the only " legal '' option being account closure. The communication of only ( 2 ) messages is easily retrievable. Wells Fargo has now been calling up to ( 4 ) times a day with ( 3 ) times most days for multiple weeks. I would like them to never contact me again, but it seems they believe laws of the US do not apply to their organization. No other organization ( not just financial institutions ) has engaged in such incessantly intrusive and harassing activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because the following information on my file needs to be deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XX/XX/XXXX {$6900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$880.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$1800.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2019 an inquiry was reported to my consumer report and I didnt no authorize that inquiry. My private information was reported to XXXX, XXXX, and XXXX without my consent and that is a form of identity theft. Furthermore I called XXXX and and they did not adhere to any of my complaints. I called Santander and spoke to XXXX ID # XXXX and she told me she is a not a credit bureau specialist and doesnt know why I was never sent a 1099-C form for my alleged charge-off. I asked XXXX was her company a furnisher of information and she replied yes. So I asked her does she know 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and she told me no. I repeatedly asked why I never received a 1099-C form for this alleged debt and she had no response.
Product: Credit card or prepaid card

Synchrony Bank XXXX Care Credit - XXXX I paid off my Care Credit balance of {$1900.00} on XX/XX/XXXX through my banks bill pay. I normally paid the account this way. Without my knowledge, Care Credit created another account and the payment went to a different account and created a - {$1900.00} balance. This still left the other account with an outstanding balance of {$1900.00}. So, I called to remedy the situation with the accounting department. The woman on the phone assured me that the problem would be resolved in a few business days. When the problem wasn't resolved ( I checked my online account ), I called again with the same problem and was sent to accounting again. The problem was not fixed and they assured me it would be resolved this time. 

So, thinking it was finally resolved I closed my account over the phone. The account closed. 

I received a statement in my email yesterday XX/XX/XXXX saying I still owe {$1900.00} and my payment is due in XXXX. Again, I called the accounting department and the woman ( XXXX XXXX told me that they hadn't fixed the problem properly and there was still a problem with the account and it would take 3 weeks to fix. By this time, I will be charged late fees for the existing balance on the account. I wanted to let you know that this is happening with this credit card company so that others are informed of the dangers of dealing with them. I would like to believe the situation will be resolved this time, but my confidence and trust that they will actually fix this problem is pretty much gone. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to 3 credit bureaus on XX/XX/XXXX to Investigate the Erroneous Accounts : XXXX - XXXX XXXX XXXX XXXX Late Dates : XX/XX/XXXX, XXXX ; XXXX XXXX XXXX Late Date XX/XX/XXXX that are UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

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

I paid for a XXXX dollar deposit on XX/XX/year> for a hotel with my cash app card and it has been pending since that date, I have not received my deposit from cash app as of this date XX/XX/year>.
Product: Mortgage

I have yet to receive my remaining escrow balance after closing on XX/XX/2020. The balance in question is XXXX. I think this company should be investigated for not paying out escrows to customers since I havent received mine and had to call them to have them send again.
Product: Debt collection

I purchased a XXXX Toyota Camry in XXXX with gap insurance for {$15000.00} using Prestige Financial. I became diligent for a few months when I lost my job and started a repayment plan. They had called all my family, my work, they threatened me by telling me I would go to jail, etc. Until I requested that we only communicate through email. It got better and they were set up to have direct deposit come out of my check as then they contacted a friend a few weeks after receiving my payments that they were to repo my car. It was actually in the process of being shipped from XXXX to XXXX where I picked it up and drove it to XXXX. After a few months and continual harassment, even though they were getting their payments, the vehicle was acting up and the engine started on fire where the insurance deemed it to be totaled. 
After 2 years of payments of $ XXXX/month and then the insurance paid prestige financial directly of {$9900.00} for the total loss, they have now garnished my wages and I received the paperwork that they are garnishing for {$14000.00}. This is totally wrong, I had GAP insurance, I had paid {$10000.00} in payments over the course of 2-3 years and then the insurance company paid them {$9900.00}, which is a total of {$20000.00} for a vehicle that was only purchased for {$15000.00}. 
I have all my emails, gap insurance, insurance from XXXX XXXX XXXX, and payments history that they received from me. I also have several people and family member that they call and harass all the time, making threats, and even calling as an attorney to coarse them into having me call them when I have directly stated that they can only contact me via email so I can keep a record. 
Now most importantly I am having to pay for this vehicle for a XXXX time because they lied about the amount owed. They have used and abused their power. The paperwork I received from payroll states that they served me and I have never been served from them and would request that they show documentation of being served. If I would have been served for this I would have went to court with all my documents to defend myself against their harassing and unethical behaviors. 
I would appreciate any assistance or help in finding a way to dissolve this issue and bring it to justice. 
Thank you for your time and attention in this matter and look forward to hearing from you. 
Respectfully, XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive been putting complaints about Experian credit Bureau that you can not get a live person and every time I put complaints in experience is sending me credit reports that I did not ask for I never asked him to send me anything. I need to talk to a live person, I have called you on the phone and you told me you was gon na take care of it. My existing complaint number is XXXX. And I dont know why Experian keep on sending me these credit reports because I did not ask for a credit report. I never can talk to a live person. I came to you over and over and told you I have papers from XXXX XXXX XXXX to try to track my credit. Experian have lied to me and told me they are monitoring my credit free in my credit for free because they got hacked into and I was the person that the information was taken. They have not been monitoring my credit not my credit now XXXX XXXX XXXX got hacked into. Im trying to notify them, I can not live and I have told you over and over and the questions the XXXX XXXX is asking me its not what I need, when you say none of the above, it keep on asking you the same old questions. I need for you to do something you told me I have to wait 30 days but they sent me my credit report and I never asked for it if I start getting identity theft now where do I go to sue somebody because I cant get a hold of anybody at Experian
Product: Checking or savings account

I deposited my XXXX claim check for {$6900.00} on XX/XX/2023 and it gave me the available date of XX/XX/2023. XX/XX/2023 I received a notice saying that my check was accepted and no changes will be made to the deposit. XX/XX/2023 I discovered my card didnt work and my account was restricted called and asked why they said they need to verify. I thought the hold was to verify the check they are letting transactions take place but I cant access my money until they verify but the funds are already cleared. I never received a notice of why they had a hold and when I do call call, I got hung up on by supervisors etc. I just want to know how do you cash a check before verifying it and how are you the bank taking the money?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat any payment on a credit care account under an open end consumer credit plan as late for only purpose.
Product: Credit reporting or other personal consumer reports

Multiple finance companies pulled my credit repeatedly over a 30 day period. 
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 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 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
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  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a 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. 


I was the victim of identity theft years ago and was unaware of the proper steps to take to rectify these issues and it has spiraled out of control and caused a multitude of financial setbacks in my life. I have notified and provided the creditors as well as the bureaus with documentation stating such in detail and they willfully remain negligent and noncompliant with the law and my rights under these laws and REFUSE to remove these fraudulent and inaccurate accounts and further more fail to do a proper investigation and fail to provide me with any documentation as to how these accounts belong to me when in fact THEY DON'T. I have also submitted numerous complaints with the CFPB as well as my states attorney general as well as disputed these items directly with the bureaus they are listed and as well with the creditors all of which decline to rectify the situation. I am submitting yet another complaint under a separate email in hopes my complaint will be heard and someone will follow through with holding these parties accountable in ensuring they report and maintain accurate and correct information only.
Product: Credit card or prepaid card

The PNC Bank and affiliated credit cards services failed to provide me with the amount due under the promotional offer for their Cash Reward Credit Card to which I subscribed in XXXX of XXXX. 

I complied with the requirement of making above {$1000.00} in purchase per statement for the 3 first billing statements after opening my account. 
Such compliance was verified in Bank branch and on the phone with a credit card representative. 

The payment of the {$200.00} promotional reward offer should have been made on XX/XX/XXXX, after completion of the offer. 

Seeing nothing on my account, I decided in XXXX of this year to check in branch what was happening. There we called the credit card services who said on speaker that the amount should be credited on my XXXX bank statement. 
In XXXX, seeing nothing on my account, I went to the bank branch again, and there they told me that some delay were present, and I should wait until XXXX. 
Then my XXXX statement came, and still nothing. I decided to file a complain with the credit card department, who reached to me earlier this week, and told me that it should appear exactly on XX/XX/XXXX. 

As of today, the promotion still was never credited on my account, and I spent more than XXXX dollars for nothing, as I did rely on the credit card offer to open my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  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 a 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 XXXX 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: 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 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.The lack of accountability and transparency is unacceptable and raises serious concerns about our consumer safety