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

Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up. 
Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 
Here are the accounts Im disputing : Bankruptcy XXXX I also know about the recent lawsuit between the CFPB and Experian, where Experian got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right. 
Heres what I need from you : XXXX. A clear Method of Verification ( MOV ) that explains : o Who you contacted to verify this account ( their name and contact info ). 
o Exactly what steps you took to investigate my dispute. 
o Copies of any documents you used to verify the account. 
XXXX. If you cant properly verify this account, I want it deleted from my credit file. 
Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, XXXX have no choice but to take this to my states Attorney General, or other authorities. 
I expect to hear back from you within XXXX  days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$500.00}, {$400.00}, {$700.00}, {$200.00}, {$1500.00}, {$26000.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-ACCOUNTS- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

6. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

-AUTO ACCOUNT- 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$26000.00} -This is not my account. 

-STUDENT ACCOUNT- 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Amex refuses to pay {$25.00} back as per offer.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( s ).
Product: Checking or savings account

Dear Citibank Fraud Prevention Department, My name is XXXX XXXX XXXX XXXX, and I am writing to urgently request assistance regarding a security lock placed on my Citibank checking account ( Account Number : XXXX ). Three days ago, while attempting to perform a XXXX transaction, my account was suddenly locked due to a security concern. 

Since then, I have made multiple attempts to contact Citibank Support and speak with supervisors to resolve the issue. Unfortunately, I have not been successful in verifying my identity through the phone number verification process. l 've tried verifying with both my personal and business phone numbers, including : XXXX ( XXXX, XXXX ) A business line also under XXXX Both numbers were recently ported over from XXXX to XXXX, but they have been registered in my name for years. Despite this, the system continues to state they are " unable to verify '' or " not being in public record. '' This has become a critical emergency, as I am currently unable to access my funds. I have urgent bills and rent that need to be paid, and this lock is causing significant distress and disruption to my life and I please request resolution. 

My address on file is : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am attaching relevant documentation to verify my identity and phone number ownership, and I kindly request that this matter be escalated and resolved as soon as possible. 
Thank you for your attention and support. 
Sincerely, XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from CENTRAL CREDIT SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL CREDIT SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your phone call about the letter dated XX/XX/XXXX, concerning the above-referenced account number. This is an " unauthorized account '' and I also have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired after five years. This account is dated for XX/XX/XXXX on my consumer report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Please review the FTC Theft report. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. 

NOTE : The Appellate Court of Illinois, First District, recently held that a credit card agreement was an unwritten contract subject to Illinois five-year statute of limitations, rather than its 10-year statute of limitations. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX, XXXX WL XXXX, at XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

In XXXX, whilst clearing out the remainder of paperwork of my late husband 's studio, I found a Certificate of Deposit issued for 60 days on XXXX XXXX for {$100000.00} at 9.20 % interest per annum with First-Citizens Bank in XXXX, NC. My husband died on XX/XX/XXXX and his executor closed out our accounts with First-Citizens. Somehow this CD was not found until six years ago. A lawyer representing me took the CD to First-Citizens where he was met with a startling gesture on the part of the bank representative who threw the CD in the rubbish bin declaring that it had no validity due to it's age. The lawyer then appealed to the Senior vice president and Senior counsel of First Citizens Bank who wrote a rather lengthy letter explaining that the bank had required the presentation of the paper certificate to redeem funds in a CD with their bank until XXXX when said bank changed over to a book-entry system. That is all well and good but not applicable as my husband had been dead for two years when they switched over and though he was capable of extraordinary achievments walking into a bank two years after his death isn't one of them. Often times my late husband 's practice was to let a CD " roll over '' until he decided what to do with those particular funds. The legal representative then contacted the NC Treasury who had no evidence that these funds had ever been put into their hands. He then contacted the NC Banking commission who became somewhat irritated that he contacted them often to hear what they had discovered and asked that he not call back and that they would contact him when they had finiished their investigation which should take five years! To date we have heard nothing from them but silence. This past Spring I asked my late husband 's executor to get involved again and his first move was to contact the Banking commission who now claims that they have never heard of this CD or the problems with First Citizens. Surely there must be some organization committed to the consumer!? Perhaps these funds got lost in the shuffle of reorganizing and changing to the book-entry system ; frankly, I am at a loss to know but am conveninced that these funds were never redeemed and that First-Citizens should make good on this investment. I have letters, the CD itself as well as the receipt from First-Citizens. I NEED HELP ; PLEASE.
Product: Credit reporting

Through CFPB, XXXX XXXX XXXX XXXX XXXX closed this account. 
Explanation of closure : " Terminated collection efforts and notified the bureaus to delete our trade line. '' Case # XXXX XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX . ) XXXX Balance : {$510.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$510.00} XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX . ) XXXX Balance : {$510.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear XXXX Customer Service, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries on my credit report under the provisions of 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). As a victim of the XXXX data breach, I am concerned that my personal information has been used without my authorization. 
The fraudulent accounts or entries I have identified are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take immediate action to : Identify and block and delete fraudulent accounts : Any accounts or inquiries related to unauthorized activity must be flagged and removed from my credit file. 
Provide confirmation : After processing, I request written confirmation that all fraudulent information has been blocked and deleted from my report. 
Under the FCRA, I have the right to request that these accounts be blocked and removed from my credit file to prevent further harm and to ensure the accuracy of my credit report. I have enclosed the following documents to support my request : To assist with this process, I have included the following documents to verify my identity and support my claim : A copy of my government-issued ID A utility bill or bank statement for proof of address A copy of a police report or an FTC Identity Theft Report Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency.

2. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision.

Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
I appreciate your immediate attention to this matter. Should you need additional information or have questions, please do not hesitate to contact me at the information above. 
Thank you for your assistance, and I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX Enclosures : ID FTC Social Security Card Utility Bill
Product: Money transfer, virtual currency, or money service

Hi, We have been a victim of a scam. My wife applied for a job on XXXX for which she had some communications back and forth and ultimately she was told that she has been hired. Company representative sent her a check of {$2900.00} ( XXXX XXXX XXXX  ) and told her that she need to use this money to set up office at her home and would require us to send money to some company authorized vendor to purchase work equipments. We submitted that check in our Chase Bank thru the app. Upon submitting check was showing as pending. We called the Chase Bank and we were told that when check will be cleared it will show Money in our account as available balance and nothing will show as pending. That will be the confirmation from our side that check got cleared. Status in the bank account was showing as pending until XX/XX/XXXX before the check was reverted by the company ( XXXX  ) stating us that they will issue us a new check. We were issued a new check on XX/XX/XXXX which we submitted again thru the app It was still showing as pending same day. Next day ( XXXX XXXX XXXX ), money was available in my account and it was showing nothing as pending. Based on the earlier communication and online status in our chase account we were satisfied that check has been cleared and there is no risk now. After that Company representative has sent us a contact saying this is a vendor you need to transfer her {$2900.00} ( Two transactions {$1400.00} and {$1500.00} ) so that work equipment 's can be shipped. We did the XXXX transfer thinking that check has already been cleared since at Chase bank side nothing was showing as pending. Eventually we found out that company was a fraud and after the XXXX transfer chase informed us that check has bounced deducted {$2900.00} from our account leaving our account in negative. We became victim of fraud. We have already filed a complain with chase bank saying that why you confirmed us that check has been cleared. Based on the confirmation only we did the XXXX transfer. We help us getting our money back. We lost {$2900.00}. We can provide additional information if asked. 
Thank you
Product: Student loan

About 2 months ago, I received a phone call from TG XXXX, stating that I owed a {$100000.00} student loan debt I did n't recognize. My name ( XXXX ) is similar to the borrower ( XXXX ), but the address and social security number do n't match the borrower. The rep I spoke with apologized and said they would take my name off the list. 

Today, my employer told me that they received an order / demand letter from TG XXXX directing them to garnish my wages due to this same unpaid bill. I convinced my employer not to garnish my wages because the social security number did n't match. I want TG XXXX to stop harassing my and my employer.
Product: Credit reporting or other personal consumer reports

My personal Information has been exposed to a data breach.
Product: Credit card or prepaid card

My credit card was applied twice for a credit card I never applied for. 

AMEX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email AMEX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX is reporting on my credit for a debt I do not owe. I am unsure who XXXX XXXX is nor have I ever done business with them. This is not mine
Product: Debt collection

UPON CHECKING MY CREDIT REPORT I NOTICED A COLLECTION COMPANY IC SYSTEM INC REPORTING ON ALL THREE OF MY CREDIT REPORTS. I WAS UNAWARE OF THIS COMPANY AND DID SOME RESEARCH, TO MY KNOWLEDGDE AND ACCORDDING TO FLORIDA OFFICE OF FINANCIAL REGULATIONS IC SYSTEMS IS NOT LICSENCED NOR BONDED IN THE STATE OF FLORIDA TO COLLECT ANY ALLEGED DEBT IN THE STATE OF FLORIDA. THEY ARE IN VIOLATION AND CAN BE FINED ( please see attachments ). PLEASE DELETE IMMEDIATEL BOTH ALLEGED UNPROVEN ALLIGATION OR ILL BE FORCED TO FLE A COMPLAINT
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Date : XX/XX/2022 Amount {$220.00} XXXX XXXX offered a settlement for the above amount and I paid it. I was told the account will no longer appear as delinquent but it still appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am totally dumbfound of this. I have no idea what is going on over there at the CFPB. I have submitted this complaint & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. This is so bothering on my part! The following accounts listed below were opened due to identity theft. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I received a notification on experian stating my account balance had increased. I had no information from the bank or letters/ statements claiming of any unpaid amount or balances. I check on my account all the information was accurate and did not reflect any information claiming to be unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. I HAVE ALSO BEEN AFFECTED BY A BREACH OF EQUIFAXS INFORMATION. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that XXXX  allows to do a soft inquiry on my credit profile. I would like for XXXX   and Equifax to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, ALL accounts and hard inquires that are a result of identity theft.
Product: Student loan

I was rendered XXXX after I graduated college in 2010. I was struggling to pay my loans due to not being able to work and over XXXX of medical bills. I reached out to Navient explained my XXXX ( diagnosed by a Dr. and a XXXX ) and my inability to work due to this XXXX for the foreseeable future. I asked for options and was told forbearance was my only option. This misinformation has led to huge interest accumulation, has dropped my credit significantly and is now in default. Im scared to even deal with them again because I am not savvy enough to know if I'm getting the right information that will help me or worsen my situation. Please, any information that could help me would be greatly appreciated.
Product: Checking or savings account

Im getting solicited by Chase bank mailers for checking accounts. I am on the do-not-solicit mailing list and ive wrote them 3-4 times and emailed the same .... they are now at a point of harassing me with their mailers. 

address is from : CHASE XXXX XXXX XXXX XXXX, OH XXXX addressed to " Our Neighbor '' privacy statement on thier website does NOT LIST an address to write to be removed from mailing list.