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

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX, XXXX XXXX XXXX : {$210.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original creditor : XXXX XXXX XXXX M ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditoXXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00}. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 3 disputes with equifax about hard inquiries that I did not authorize I asked equifax to show proff where I approved this credit pull and all 3 times equifax failed to provide me any information and never sent nothing to the credit companies they failed to investigate anything
Product: Credit card or prepaid card

I have applied for a credit increase on two Capital One credit cards out of the four that I have. I was rejected on both because my usage and payment history were considered inconclusive, I have a credit score of over 800 ( FICO ) and I have never missed a payment. Capital One should have the decency in at least granting a small credit line increase based on my loyalty and impeccable credit history with Capital One. What if there is an emergency and I need more credit? Capital One should anticipate human needs and not solely rely on just metrics. The two credit cards have a  {$3000.00} ( XXXX ) and {$3200.00} ( XXXX ) credit limit. I requested a new line of credit with an increase to {$6000.00} ( XXXX ) on one card and {$6500.00} ( XXXX ) on the second card respectively.
Product: Credit reporting or other personal consumer reports

According to the response I received from a previous dispute regarding account : XXXX XXXX XXXX XXXX XXXXXXXX, it was not clear on the information that was requested from the reinvestigation.15 USC 1681I ( a ) ( 6 ) ( B ) ( iii ) ; ( iii ) a notice that, if requested by theconsumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to theconsumerby the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. This account was found to be inaccurate and unverifiable, therefore violating my consumer rights. It was removed from the other agencies, and I demand that XXXX also do the same.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent 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 impossible and that tracking these transactions was infeasible.

The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I paid off my mortgage with XXXX XXXX XXXX in the amount of {$67000.00} that has not shown up on any credit reports as an account or loan and I have now paid this mortgage in full. XXXX XXXX XXXX gave me an audit control number of XXXX to call all 3 credit bureau 's. All 3 credit bureu 's have no clue as to what I am talking about and still have not even shown I ever had the loan with XXXX XXXX XXXX. This loan has been paid on time in advance each and every month I had the loan with no late payments. I want all 3 credit bureaus to show the loan and that it was paid in full. I should get alot of good credit for this loan. If it was negative credit they would have no problem reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}
Product: Credit reporting or other personal consumer reports

Midland Credit Management I called the collection agency on XX/XX/2024 and I spoke to a lady I asked her to give me the acct number and the right amount of this collection and she refused several times and also told me they no longer were the ones dealing with this the amounts are different she refused to give me her name and employee ID also I have disputed this several times and even called the credit beauros and nothing has been done about this I just want it removed from my credit report due to this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Barclays Bank DE XXXX 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 a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I send a payment, they had put it as a cash advance, but they owed me money on the account and never gave me the cash advancement due to that and still charged me a fee. I called and the supervisor, said everyone knows what to say, and if they said something else to you well sorry but nothing they can do. But when I was asking her about the employee she had no clue what was going on and was just pushing me away. I ask her for the corporate number and she said no, they won't speak to you she is the highest up. XX/XX/2021 around XXXX Supervisor name XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  XXXX Balance : {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I wrote a letter regarding inaccurate and unknown accounts on my consumer reports. They responded back saying the accounts were verified, never explained or showed proof on how they verified these account. I have not enter into any consumer contract with these companies with XXXX XXXX XXXX # XXXX nor XXXX  XXXX XXXX. XXXX is in violation of 15 USC 1681 this account is not accurate, they also my right as a consumer to privacy 15 USC 1681 ( a ) ( 4 ) I demand both of these accounts be deleted immediately or I will file ligation due to stress
Product: Checking or savings account

Over draft fees, money missing and not showing accurate amount. Credit card fees
Product: Credit reporting or other personal consumer reports

I investigated my report and noticed unauthorized inquiries disputed and asked for the to be removed numerous times and numerous disputes for the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received confirmation from the company via CFPB that they cleared up the miscommunication with my dispute. However they did not. As of today my account with a company Zip pay, who i had previous good standing with, is still locked due to this dispute. I have reached out to Zip and was informed once the dispute issue was cleared on the credit card companies end they would release the lock on my account. It is XX/XX/year> and as of now the account remains locked due to Indigo not following through with the promise made in complaint XXXX. Due to this I have my reputation and good standing have been damaged. I have also lost opportunities for financial gain.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX XXXXXXXX XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Credit card or prepaid card

My Credit card, BEST BUY VISA. payments are due on XXXX of each month. I asked them to change the date to the begining of the following month because the XXXX falls close to the week end and sometimes it is difficult for me to get the money to pay at that time and there is usually a week end following that makes me Pay 1 or 2 days late. I drive to the Best Buy business to pay. They refused. The bill with due date XX/XX/19 fell on Monday, XXXX XXXX holiday, I paid it next day, Tuesday XX/XX/XXXX. On the next bill, they charged me {$27.00} late fee. I phoned and they said that I had already had a previous late fee removed and they can not remove this. I reminded them about the problem I have with the due date so close to the month end and asked them to extend the due date and they refused to do that and to exonerate the late fee. The next bill due on XX/XX/19,  Thursday, was paid on Monday, XX/XX/XXXX. I was charged {$32.00} late fee. Again they refused to remove the late fees. I I told her that the fees for such a short time is excessive. I asked her to send me the ruling of the late fees charges and she can not find the regulations, maybe if I go to the web site to see if it is there. I said that I am not computer literate to maneuver their web site. So, we are at a stand still which I hope you can help solve this issue. Thanks for your help.
Product: Debt collection

I bought a new car XX/XX/XXXX after the usual back and forth a deal was made where no down payment was to be made, I went to take care of the paperwork with the finance manager, on the paperwork was listed {$500.00} down payment I was ready to get up and walk away from tthe deal but the finance manager assured me no money was required from me that it was on the paperwork for the finance company only. I was n't sure this was proper But the finance managers exact words were am I asking you for any money? And further he said no is asking you for any money now. Now I have worked as a car salesman before and know if money is to be payed at a later date a promissory note must be signed. Since I was not a asked to sign one I thought it was ok. On the Monday after the sale the salesman calls me to ask where 's my down payment I advised I signed no promissory note and was told I was not going to have to pay it. After that I heard nothing until this collection letter came. They are trying to pull a fast one on me and will not get away with it. I will file a lawsuit against XXXX and XXXX XXXX if this is n't stopped now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item on my credit is fraudulent. Never sign any contract with this company for any purposes. Also the address this institution has for me on file I never resided at. I've contacted this company many times and had no success. I'm trying to move on with my life and this institution is holding me back.
Product: Credit reporting or other personal consumer reports

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

All of these accounts have miss information, whether it be my address, the amount owed or charge off or active. I did not provide my signature nor have they provided me with proof of my signature of these debts. I was a victim of the most recent Identity theft and the XXXXXXXX XXXX XXXX XXXX and the XXXX and TransUnion data breach. As the Law demands, I demand the following be removed with 4 days of receiving this message.

I demand the these accounts be removed immediately. 

Name of Account Account Number Verification XXXX XXXX Identity Theft. 
XXXX XXXXXXXX Identity Theft. 
XXXX XXXX XXXX - XXXX XXXX Identity Theft. 
XXXX XXXX XXXXXXXX Identity Theft. 
XXXX XXXX Identity Theft. 
XXXX XXXX  Identity Theft. 
* Please remove all non-account holding inquiries over 30 days old. 

* Please add a XXXX Suppression to my credit file. 


Thank You, XXXX XXXX XXXXXXXX XXXX, the XXXX XXXX has signed and sealed these presents the day and year first above written.
Product: Credit reporting or other personal consumer reports

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under XXXX XXXX XXXX XXXX XXXX. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

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 These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to XXXX XXXX XXXX XXXX. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 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
Product: Debt collection

I have filed three complaints and disputes with TransUnion at this point. It is absolutely ridiculous. I have gone up XXXX points through TransUnion but they refuse to update their portal to reflect it except on XXXX XXXX. I pay for XXXX as well. This is outrageous. They have delinquent accounts filed on my credit score but have ever shared but those accounts are and I have requested it 3 times. I do not have ANY debt as of today and the only XXXX cards I have are from XXXX XXXX ( authorized user ) and XXXX XXXX. 

They share with companies that my score is XXXX but thats not what XXXX XXXX reflects :
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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: Checking or savings account

Tried calling Capital One Bank to open a savings account. Was told that I had to have an account open before they would speak with me about the account. Went to their website. Filled out their forms. 

Called, confirmed with the Capital One Bank person that it was open but that I had missed their special coding. This was 5 minutes after I opened an account. Capital One representative said that I should call back on XX/XX/2020 to see if they would still honor the terms of the savings account. Capital One Bank rep could not guarantee that they would. 

Why would I open an account when the terms change within 5 minutes of opening the account? The CFPB needs to protect Americans from banks that are fraudulent and deceptive in their advertising. I am XXXX years old and find Capital One Bank endemic of the American condition. Lie Lie Lie. Then steal. 

When I called to confirm the terms ( 5 minutes after opening the account XXXX the terms had changed because I hadn't clicked on certain spots of the website. I'm XXXX. Capital One wouldn't help me with the process and quite frankly is happy that I missed their hidden tricks. 

Outraged but not surprised.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are mysterious creditors on my credit report that is reporting negatively. They are not mine. Please remove them.
Product: Debt collection

Company sent a threatening email with my SSn in the subject line of the email. Company threaten to seize any account associated with my ssn, and threatened to send a team to collect my assets.

I was scared and forced into making a payment.

I contacted them and asked for proof they still have not provided any details pertaining to this debt. Copy of email sent on XX/XX/XXXX  at XXXX XXXX I am sending out a Quick Track Enforcement Team to your business and home address to gather an organized list of assets for liquidation. This is needed to initiate the process of monetizing the assets you pledged under your security agreement. Please reach out to me to schedule a time.

If no time is scheduled, they will arrive unannounced. Also, today I initiated the process of freezing and attaching your bank account ( s ) as well as any account associated with your social security number as in XXXX XXXX, XXXX, XXXX, etc. If you wish to stop this process and place your account in good standing, communication is necessary.

IF CONTACT IS NOT MADE BY XXXX XXXX EST ALL ACTIONS WILL MOVE FORWARD. 

CALL TO RESOLVE -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX