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

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to inform you about a concerning matter regarding the loan associated with a 2018 cla XXXX. After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. 

I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. 

As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. 

Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$810.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handing 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 most 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 serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is misreporting our PAID auto loan as a delinquency as retaliation for filing a previous CFPB complaint we filed concerning an error that occurred at the end of our lease. As evidenced in the screenshots provided, the tradeline previously correctly showed the payment status as " Current. '' After we rightfully filed a CFPB dispute to address a payment error they made at the end of our lease, they updated their reporting to reflect the account as delinquent 60 days on XXXX and XXXX and 90 days delinquent to Experian on both mine ( XXXX ) and my husband XXXX 's credit reports. The account was brought current in XXXX of XXXX and is PAID IN FULL. This retaliatory behavior is unjust and needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX XXXX account and XXXX, XXXX, XXXX reports and all reports show in closed accounts XXXX/XXXX XXXX XXXXThis account was opened XX/XX/XXXX and closed XX/XX/XXXX.This account is 13 years and 8 months old.Ive tried to dispute this with with all credit reporting agencys and the company XXXX/XXXX XXXX XXXX.This account shows up TWICE on my credit reports under closed accounts.Each time i disputed this item on my credit reports, I asked for this account to be removed because of age..As of of XX/XX/XXXX, this account is still on my report.This old accounts is causing my credit scores to go down, denial of credit, or higher interest rate.I am demanding these be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$150.00} from :   XXXX   XXXX   XXXX   .,  which was opened on :  XXXX   XXXX ,  2013 .   I am again disputing that I do not owe this debt.   The  CRA ( Equifax ) co ntinues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me.   Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report.   This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution.     Thank you,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.
Product: Credit reporting

I received a copy of my credit report and discovered a tax lien. I disputed the tax lien and asked Equifax to verify the lien. Equifax updated the status of the lien as released. I called Equifax and spoke to a representative who stated they verified the information that I was disputing. XXXX XXXX of XXXX says it was obtained through a third party vendor, XXXX XXXX. I called XXXX XXXX and they reported because I have a security freeze they could not release any information on my credit report. Equifax LIED and said they verified information when they have not which is a straight violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts that I found to be Inaccurate accounts on my credit report and I have disputed these accounts with Equifax on several occasions and the keep sending back as verified even after I have sent proof. The guidelines also states that if a company cant verify an account in 30 days that those accounts also has to removed and Ive sent verification of this as well as Police Reports and nothing is getting done. I also had a Tax Lien listed on my credit file that I disputed that Equifax is saying is Verified but the IRS has no knowledge of this and this document will also be attached. I started this process with Equifax around  XXXX   2017 .
Product: Student loan

I was making XXXX dollar payments to Ameritech. I received a letter in the mail from the Federal Trade Commission, stating that Ameritech was being sued for deceptive practices. They have taken XXXX out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Checking or savings account

" XXXX '' app can not access my checking account to round up my credit card purchases for me to invest. 
this is new. it worked great last year why do u deny access now
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in multiple disputes no action taken after information verified not meXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$750.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
XXXX {$1100.00} XXXX updated XX/XX/2022 nothing removed
Product: Checking or savings account

Ive disputed transactions twice with Citibank. First, they denied my claim because they said they couldnt reach me, even though I left several voicemails through my relay service ( Im XXXX ). The second dispute was denied because they said the fraudulent transactions are consistent with my prior transactions. Umm, if they looked at this claim at all, they would know that Ive never used this account/debit card for ANYTHING. Every transaction on the account is fraudulent. There is no prior banking history. They obviously havent done their job. Im attaching the denial letter to this claim. It details the disputed items.
Product: Mortgage

My concern is regarding secure private information. 
On XX/XX/XXXX this year I following an online ad regarding mortgage refinancing from XXXX. I filled in the online form which requested only my last 4 digits of my social security number. XXXX referred my inquiry to XXXX and a representative contacted me by phone shortly after. 
We discussed the options I have. I inquired about a certain loan that was attractive to me and I specifically requested not to run my credit score at this time because I wasn't ready. To my surprise, the rep replied that he had already done so while we were talking. 
I asked him how did he get my social security number and he replied that he received it from XXXX. I said that I only gave them the last 4 digits and he said that they have the technology to figure out my social security number. This statement trigged my suspicion that there is a broader issue of breach of information privacy at XXXX I am filling this complaint hoping that it will spark an investigation in online data security practices. Is there an exchange of unauthorized private data information online?
Product: Credit card or prepaid card

In XX/XX/XXXX, my partner and I were bumped from a Delta flight and were given over {$2000.00} in American Express reward cards ( 9 different cards with varying amounts from {$100.00} to {$500.00} ). We received the cards in XX/XX/XXXX. The expiration date on the cards is/was XX/XX/XXXX. Towards the end of XX/XX/XXXX, I was curious when exactly the cards would expire and I wanted to make sure that I used them prior to them expiring. I called the customer service line number on the back of the card and spoke with someone regarding this question. The woman I spoke with from American Express told me that the funds do not expire and that when the card expired, I could request a new card. She went on to say that there was no re-issuance fee. I gave her several card numbers for her to check and she said the same thing for each card. I asked her if I could proactively request a new card with a new expiration date and she said no. On XX/XX/XXXX, after the card had expired, I called Amex to get the cards re-issued. I was informed by a customer service rep that the cards had expired and there was nothing they could do about it. I was on the phone for over a hour with them and finally spoke with a manager who said that she would open a case and they would look into it. They apologized and said I might have been given the wrong information. I didnt hear anything for a few weeks so I called again and they said they would look into it. I called 3 additional times over the next few months and finally in mid-XX/XX/XXXX i was told that the case had been closed and that the cards terms and conditions still applied and there was nothing they could do. I again spoke with a manager who i told the story to and told them that I was not complaining about the terms and conditions. I was complaining about the fact that I was given bad information by their employee and suggested they go back and listen to the call from XX/XX/XXXX where theitr employee had misled me ( and caused me lose over {$1000.00} ). The manager said they would open a new case and I haven't heard anything since. I just don't think it is reasonable that they should have ZERO   accountability for giving out misleading and inaccurate information about the terms and conditions. Especially when it misleads consumers into losing a significant amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

i want for All disputes that where open with Equifax From XXXX  XXXX to be withdrawn and i want for equifax to force and report the information from XXXX  XXXX on my equifax credit report the information was disputed from my equifax report without my permission and i also contacted XXXX  XXXX and told XXXX  XXXX that the information about my credit card account is not showing on my equifax credit report capital told me unfortunately that the accounts get reported to all 3 credit bureau and XXXX  XXXX keeps advising me to contact equifax to fix this problem and also XXXX  XXXX told me they cant do anything to fix this problem i uploaded a statement from the credit card account and equifax needs to correct this information on my credit report. that why am not accepting equifax response Equifax needs to fix this and i want for this account to report again on my report please add the XXXX  XXXX account back to my equifax report My Social Security : XXXX Date Of Birth : XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Credit Reports and noticed inaccurate account ( s ) listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax reporting agency, investigate and 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 the accounts listed above and have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections and hard inquiries as reported. I am attaching a copy of my FTC Identity Theft Criminal Complaint # ( private ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

This is a violation of the Fair Credit Reporting Act and these disputed items may not appear on my credit report if it can not be supported by any evidence or proof. I demand that the aforementioned fraudulent items be removed from my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I was contacted by this company. They said I had XXXX counts of check fraud against me and would be taken to court and I needed to call. I knew it was a scam but called anyway just in case. Long story short, I was told I had a loan for {$500.00} between XXXX and XXXX and when they went to take it from my account they could n't for whatever reason, so they tried to charge my now closed XXXX account, which I closed a couple months ago, and they could n't charge it since it was closed. I said I wanted documentation of this. They did n't tell me what company I got this loan from of course, just said the sub-lender was XXXX XXXX, who I found was a for sure scam after looking them up. They wanted me to pay {$770.00} which included the {$500.00}, {$70.00} insufficient funds fee, and {$200.00} to have my case dismissed. She later added a {$2800.00} tax lien. I said no, I want paperwork. I was abruptly transferred to a man who did n't ask for any information, just said the only documentation you will get is a subpoena. Your check was deemed worthless XXXX/XXXX/XXXX ... and I stopped him there. That 's not the date I was given. He said that 's not my problem I 'm a paralegal and you ca n't see our documentation until discovery.You broke the law and if the rep gave you wrong information that 's not my problem, my only job is to collect, I do n't care about anything else. I kept trying to get a word in but he talked over me. I just kept saying, this is all nice but you are now telling me a different story. Before I could even finish that sentence, he put me on hold for over a minute so I hung up. 100 % scam, I did n't have XXXX back in XXXX anyway. They left voice mails for me on my phone and my friend 's phone, so that really made me angry. The voice mail indicated I was being summoned for XXXX counts of check fraud and it was filed XXXX/XXXX/XXXX and I need to pay. She read off the last XXXX of my social, my name, DOB, and current address. The " paralegal '' said I got an email about whatever debt in XXXX and he read off my email address. ( no such email ) Just did n't appreciate how bold they were. I spoke with a XXXX or XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The man never gave his name.
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 Account Number : XXXX Account Name XXXX XXXX  Account Number XXXX XXXX has violated my rights. Or 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 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.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX I took a paper payroll check for deposit. I was informed that that type of check had not been seen before, I agreed since my employer completes payroll with direct deposit. I was informed by Bank of America that the check would clear on XX/XX/XXXX. Later in the day I was sent an email that the check would need to go through the verification process and it would not clear until the XX/XX/XXXX, in the interim XXXX have collegues bank 's stated that their check was fraudlent at other banks. I asked my employer to stop payment and reissue. She declined because she said Bank of America had processed the check on XX/XX/XXXX and the funds have been released to Bank of America. I went to Bank of America on XX/XX/XXXX and was told to call the " Hold & Release '' to ask for escalation due to my account is negative and have no money for food or essentials. I completed that instruction and was told that I could call back today for the decesion to have the verification escalated. Today, XX/XX/XXXX I called and it had not been started due to it being it was not received until XXXX Eastern on the XXXX. I made multiple attempts to advocate for my self because I have no money for food and I live alone. I also told them the issuing bank had released the money to the Bank. They would not ensure that it would escalated and could not help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting

HI, my land lord was doing a credit report check when he found out that i dont have a credit history, But i have been using my credit card for the last 11 months.and i have been getting free XXXX credit score for the past 6 months .So how long before Trans unioun reports my credit score in the system. 
regards.