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

I called the credit reporting agencies letting them know the inquires and accounts on my credit profile were unauthorized. I Never gave them permission or consent to report them. This Aggravated identity theft. 

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

15 USC 1681 section 602 A 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 accounts without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. One bureau, Transunion has since removed the XXXX XXXX XXXX XXXX # XXXX, file since filing my last complaint on XX/XX/XXXX. Transunion once again verified the, '' XXXX XXXX XXXX '', account again on XX/XX/XXXX. Which contradict the other two Bureaus XXXX even went as far to update the XXXX XXXX XXXX XXXX a file they know is inaccurate. Even after I supplied the documents showing conflict between the three Bureaus so-called verified accounts. All three Bureaus still have not removed the XXXX XXXX XXXX # XXXX file. Even after their so-called verification and investigations which were never showed proving to be factual or accurate. XXXX violations total is XXXX, between the 3 accounts. Transunion violation total is XXXX, between the two accounts. XXXX  total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent a dispute letter asking this company to validate this debt they say I owe on XX/XX/2018. They received the dispute letter XX/XX/2018 at XXXX. In the letter it states the following : Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer  requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

After they received my dispute letter they flagged my credit report again as a collection account. In states that all collection activity is to cease until they validate this account and proof it is mine. They did not abide by the law. 

Please pay attention to all the dates on my attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED INQUIRIES. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and outrage regarding the discrepancies found in my recent investigation of my credit report. Upon thorough examination, it has come to my attention that your agency has failed to ensure the accuracy of the information reported, leading to XXXX  distress and XXXX on my part. 

Under the Fair Credit Reporting Act, it is imperative that all information provided in credit reports be 100 % accurate. However, it is evident that several items on my report are unverifiable, invalidated, inaccurate, and questionable. This blatant negligence on your part is unacceptable and has undoubtedly caused significant harm to my financial well-being and mental health. 

I demand immediate action to rectify these egregious errors in accordance with the provisions outlined in the Fair Credit Reporting Act. Specifically, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in clear violation of failing to report accurate information. 

Attached to this correspondence, you will find copies of all letters previously sent regarding this matter. I expect prompt acknowledgment of receipt and swift resolution of these issues. Failure to comply will result in further legal action being pursued to ensure my rights are upheld and justice is served. 

I urge you to prioritize this matter with the utmost urgency and professionalism. My financial integrity and mental well-being are at stake, and I will not tolerate any further delays or excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry dated XX/XX/2018 that I did not authorize.
Product: Money transfer, virtual currency, or money service

1. I have deposited a check of {$30000.00} on XX/XX/year> to BOA checking account. 2. The funds were at my XXXX XXXX  checking account and XXXX XXXX  debited {$30000.00} on XX/XX/year>, which means the check was cleared in XXXX business day. 
3. However, as of XX/XX/year>, BOA still puts a hold on my deposits of {$30000.00}. 
4. I have reached out to the customer service and I have visited a nearby branch as well. I showed the branch manager, using XXXX XXXX  app, that the funds ( {$30000.00} ) had already been withdrawn from XXXX XXXX  on XX/XX/XXXX. 
XXXX. I am appalled that BOA is exploiting the customers ' funds under the name of check frauds and the financial institution is making free money on customers ' funds put on hold.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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: Money transfer, virtual currency, or money service

Iam writing to express my concern regarding Zelles handling of disputes..I have made many complaints an Zelle has ignored my requests..they have informed me that recovering lost funds are impossible, leaving me in a stage of worry and disbelief that a company as such cant help.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Fraudulent Accounts in Litigation Dear Transunion, XXXX, XXXX I am writing to formally dispute several accounts appearing on my credit report, which are not accurate and are associated with ongoing litigation. These accounts are fraudulent and linked to a trust account, which is currently under legal dispute. These inaccuracies are damaging my credit profile and must be corrected immediately. 

Below are the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$800.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts are part of a legal bankruptcy proceeding, and their continued presence on my credit report is not only inaccurate but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these accounts be removed immediately to prevent further harm to my credit profile. 

Failure to remove these fraudulent accounts promptly may result in legal action against your bureau for willful non-compliance, including the pursuit of fines and penalties. I expect immediate correction and confirmation of these changes within the legally required time frame. 

Enclosed are supporting documents pertaining to the ongoing litigation. I trust that you will act promptly to rectify these errors and remove these accounts from my report without further delay. I have also included the fraud FTC report XXXX  XXXX Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and the actions taken to resolve it as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/2022.
Product: Credit card

I am XXXX XXXX XXXX and have had a Citibank credit cards for a very long time. I XXXX  became aware of fraudulent charges and financial elder abuse in the Fall of XXXX when my daughter began helping to manage my finances. When fraud charges were brought to their attention, Citibank fairly quickly investigated the previous XXXX  years of disputed charges and issued temporary, then permanent, credits to my account. 

After doing more online research of my accounts and requesting years of statements dating back to XXXX, in XXXX of XXXX my daughter ( who has Power of Attorney and Administrative Access to my Citibank account ), notified XXXX XXXX via phone and sent individual emails detailing each of the remaining XXXX  years worth of disputed charges including statements and line items of the fraud charges. 

After more than XXXX phone calls spanning XXXX  months, with weeks of patiently waiting in between calls, speaking with dozens of service reps and supervisors, being strung along, waiting another XXXX  months, AND having been given what turned out to be false updates on progress, NOTHING has been done. Nothing. 

As directed, she emailed complete credit card statements with specific lines items and amounts of every disputed charge to XXXX. Then after waiting for weeks and making multiple follow up calls, she was told shed have to send all of the information in email again. Still when she called to follow up, Citibank said they didn't have the emails. 

In XXXX of XXXX, as directed by Citibank, my daughter sent a letter of explanation along with the XXXX  page of each email she sent to XXXX that detailed the disputed charges and requested that a Manager be assigned to help her. ( She included all related complete bank statements with the emails she previously sent. ) To date there has been no response. 

She and I have spend countless hours and over a year and a half trying to get this resolved and Citibank has made us jump through hoops, all of which we have done, and there has been XXXX progress.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Items are being reported inaccurately on my report. Please see attached.
Product: Credit card or prepaid card

On XX/XX/XXXX, The Citi Bank Double Cash Credit Card told me the Citi 's billing dispute investigator requested multiple times from the merchant ( XXXX XXXX XXXX ) for the refund of {$5000.00} that needed to credit back to me, but the merchant did not respond. The Citi told me they could not do anything about it, and I had to get money back myself from the merchant by filing a law suit or complaining with the XXXX XXXX XXXX 

The disputed was initiated on XX/XX/XXXX for {$5000.00} charged by XXXX XXXX XXXX on XX/XX/XXXX. ( XXXX XXXX XXXX XXXX ) During the investigation, I responded to the Citi 's latest letter dated XX/XX/XXXX ( attached ) by submitting requested canceled check of {$13000.00} and settlement agreement that settled the disputed credit card charges of {$18000.00} ( including {$5000.00} ). 

Indicated in the Agreement signed by both parties, my cashiers check of {$13000.00} which already deposited by XXXX XXXX had been settled for the dispute of credit card charge of $ {$18000.00} XXXX sum of {$4200.00}, {$9000.00} and {$5000.00} charged by XXXX XXXX in XX/XX/XXXX XXXX. I had been credited back two out of three charges except {$5000.00}. The {$5000.00} was deposited by XXXX XXXX and needed to be returned back to me. It is Citi bank 's responsibility to obsorb {$5000.00} as I should have got a credit.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

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 XXXXXXXX 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: Debt collection

I received a letter from a collection company stating that I owe XXXX XXXX XXXX but I never had a credit card with XXXX XXXX.The amount is $ XXXX.I have sent several letters, 609 letters to the credit bureaus and also to the company. I have received letters from different collection agencies about this bill.
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. 

( XXXX XXXX XXXX XXXX : # XXXX THIS ACCOUNT Late payment removal month of XX/XX/2021 ) XXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Someone has put my information out to home loan applicant U.S bank mortgage company as well as XXXX XXXX trying to pass off as me wanting a loan from them. They ran a credit check on me which impacted my credit score. All this was unauthorized by me. This credit check was made XX/XX/2023. I have already made a report to the local sheriff 's office as well as trying to contact U.S bank and XXXX XXXX XXXX When called I only got the recorded line and have yet to receive a call back. I called XX/XX/2023.
Product: Bank account or service

RushCard is full of it never again im going through the same thing again ive been on hold for over an hour waiting on a superviser to answer a question concerning my money, because the customer service person said the computors are down, they must think im stupid, if you cant get into the computer how jhowbin the XXXX the supervisor gon na get into the computer, im still on hold, this is the last tim this is gon na happen l just sent my employer my new direct deposit info which ive had the account all thr time. Why did you have to change banks? For whatever reason it was to benefit you and not the consumer, youre making money of our money. Should have stayed with XXXX. Your debit card system is no good.
Product: Checking or savings account

Paypal has restricted my account and won't let me close it until I provide a photo ID, proof of address ( utility bill ) and a copy of bank statement. I have been a customer of theirs for over 20 years and have lived in the same house for the last 9 years. I have used my account in XXXX and in XXXX. In XXXX we made 2 normal transactions ( a donation and a purchase ) with other people. Apparently one of those in the eyes of Paypal was questionable. The donation was {$50.00} and the purchase of a custom piece of clothing was {$280.00}. I talked to a customer service rep and then escalated to a supervisor. They won't allow me to even close my account without providing the documentation. They also told me I can't escalate any further and that nobody can overturn it as it a system feature. Furthermore, if I don't provide the information they are asking for I won't have access to my money to use or close the account until 180 days.

This is absolutely ridiculous that they can hold my money hostage. I feel they are doing this because I don't use the account as much as I once did. They have had no problem taking my fees for the last 20+ years but now that I don't use it as much, they are making it tougher on me.