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

I am writing to file a formal dispute regarding accounts that were fraudulently opened in my name due to identity theft. After reviewing my credit reports from TransUnion, XXXX, and XXXX, I identified multiple accounts that were opened without my knowledge or consent. These accounts were listed as fraudulent, and I am requesting the CFPB 's assistance in resolving this matter. 

I have also attached my official Identity Theft Report to this dispute, which provides details regarding the theft of my personal information and is being submitted as part of my claim. 

The following accounts are the subject of my dispute : XXXX XXXX ( XXXX ) Account Number : XXXX ( TransUnion ) Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX ) XXXX XXXX  Account Number : XXXX ( TransUnion ) Account Number : XXXX ( XXXX, XXXX ) Account Number : XXXX ( XXXX ) XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX ( TransUnion, XXXX, XXXX ) Account Number : XXXX ( TransUnion, XXXX, XXXX ) XXXX  Account Number : XXXX ( TransUnion ) XXXX XXXX Account Number : XXXX ( TransUnion ) XXXX, XXXX. 
Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is still showing debt even after the payment was received. 
XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Equifax XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Social Security Number : XXXX To Whom it May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported XXXX XXXX  {$180.00}. This debt was paid XX/XX/XXXX POS Debit Visa Check Card XXXX XXXX XXXX XXXXXXXX XXXX XXXX, {$180.00} By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$1000.00} per violation for : XXXX. Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting

XXXX XXXX MUNICIPAL COURT ( XXXX ) Says i owe {$160.00} XXXX different times on my transunion report and i have not been in XXXX or had any XXXX or XXXX tickets but my id and ss card was stolen along with my car in XXXX of 2014 and i would like them to be removed from my credit report because i dont even know what they are for
Product: Credit reporting or other personal consumer reports

Experian closed this complaint with the longest absolutely absurd explanation that has absolutely nothing to do with the problem, STALLING IS ALL THEY DO AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting or other personal consumer reports

i sent in to letters asking them to reinvestigate the accounts on my consumer report. they responded both time with they need proof of identify. i sent in my driver license and a bill with my address on it both times. they telling me they need a PAY STUB sorry i dont work, they need a W-2 FORM sorry i dont work and a social security card isn't a form of identity. this will be my last time asking to have these account reinvestigated. next time i will be sending this to arbitration. so for the last time here is everything.
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.

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 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 the crimes which antendates the report by more than seven years.

15 U.S.C. 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I have a checking account with Chase in XXXX XXXX located at XXXX XXXX XXXX. In the past week I was alarmed this morning that I had insufficient charges on my account from two days ago. I called Chase immediately and was told that the XXXX charges of insufficient charges totally {$170.00} were charged via debit card transactions. I set up my account to not go through when there are no available funds, however Chase allowed multiple charges to go through instead of declining the debit transactions. I verified that these charges made were strictly debit point of sale in person charges and not reoccurring or check charges which are exempt. I asked for a reversal due to this glitch and my request was denied to have all XXXX charges reversed. The XXXX representative did reverse XXXX which were her capacity and limit and she referred me on to a manager to assist with the other XXXX charges, but the XXXX supervisors I spoke to were unable to do so. In the process of making the request the first supervisor was rather rude. However, I feel this is an excessive amount of charges to charge a customer. It appears as if they are trying to deliberately make money with the insufficient charges, but why on earth are they charging me for money not in my account - this is highway robbery!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting an inquire that I do not recognize.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I request that you block and delete all accounts associated with this breach, as per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the affected accounts and inquiries that I request to be blocked and deleted : ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$500.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$740.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX  XXXX The inquiry was not authorized XXXX XXXX  Also remove the XXXX XXXX XXXXXXXX, XXXX from my job history. I do not work there currently anymore
Product: Debt collection

I reached out to XXXX, XXXX, & XXXX as well as the collection agency and haven't received a response after sending certified mail to each entity. However, I did receive a my certified letter back from the Post Office stating that the address for the the collection agency is no longer valid although it is still being reported on my credit reports as valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

All bureaus have put a long-standing fraud alert on my credit report without my authorization. This is inhibiting my ability to apply for credit. There is no reason why there should be an ongoing alert to be lasting 7 years. This needs to stop reporting on my report as soon as you receive this message. According to XXXX XXXX XXXX, A consumer needs to provide the bureaus with written consent for changes to the credit report. Not once did I provide written consent to place a long-lasting fraud alert on my account. It is causing more harm than good and is creating hardship in my financial life.
Product: Credit card or prepaid card

A duplicate charge was made on my account on XX/XX/XXXX by XXXX XXXX in the amount of {$44.00}. I contacted the local XXXX store and they informed me that because it was purchased online, I needed to contact my credit card company. 
I have contacted XXXX XXXX XXXX Mastercard on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I was told to submit dispute online, which I did. Then I was given a phone number for the Purchase Dispute Dept. which I called. I was also, told I would get an email, which I did not. 
I requested today ( XX/XX/XXXX ) to speak to a manager and was told by 2 different people that a manager would return my call in 24-48 hours and then I was told 7-10 business days. 
I am not receiving consistent information and the company is not making ANY progress to the resolution.
Product: Credit reporting or other personal consumer reports

This is the email I sent but they have chose to ignore me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear Experian Credit corp While reviewing my personal credit report no XXXX I noticed some inaccuracies In the public records in the public area of my file I am requesting a investigation be conducted and verify that the information on record XXXX is correct.

I believe this may be a error because these do not belong to. Please verify and amend these mistakes and send me a updated credit report reflecting the accurate information. Thank you for your time XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; FXXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I applied for new credit and was notified that Eastern Account Systems Inc is reporting a delinquent account to the credit bureaus. There are 2 accounts reporting for 2 different amounts. 
The first account is for XXXX XXXX account # XXXX with a reporting date of XX/XX/20 in the amount of {$230.00}. I have no idea what this account is for. I have never received equipment from a company that I haven't paid for or was supposed to return. 
The second account is for XXXX XXXX, account # XXXX with a reporting date of XX/XX/20 in the amount of {$290.00}. Again, I'm not aware of a service of any equipment I received from a company XXXX. 
I've sent a certified validation of debt letter that was returned to me yesterday. I've tried reaching out to the company via telephone to no avail. I would like this debt validated with the original contract from the company that is claiming that I owe the debt. Eastern Account Systems will state that they work for the company and that they have not purchased this debt. I would like proof of a contract between Eastern Account Systems Inc and the creditor claiming that I owe this debt, showing that 1, they are allowed to collect a debt in the state in which I reside, and 2. this debt has not been sold by the creditor and purchased by Eastern Account Systems Inc . I do not owe this debt.
Product: Credit card

I have been contacted on numerous times by phone and mail concerning an amount of money I allegedly owe. I do not recognize the firm that I allegedly owe this money to. 
I called last Thursday, XXXX XXXX, 2016 to get information and they asked me to call back today, Monday, XXXX XXXX, 2016, which I did. After being transferred to XXXX different people, they told me they could NY provide information as the account was under review but the would not tell me why. I told the last person I spoke to, a XXXX XXXX, that I wanted to settle the account for {$1500.00}, which is what I can afford at the time. They asked me to call again. 
I want this to be over! 

The firm is Midland Collection. 

Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got me information and opened up some account in my name XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX, In
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX with The Phoenix Recovery Group has contacted me several times via phone calls and emails concerning a debt that she says I owe her client XXXX Apartments in XXXX Texas. I have been in disagreement concerning this debt for a long time. I have considered trying to workout a payment plan because I simply wanted it off of my credit, but when she sent me her documentation concerning the debt I noticed several things that were invalid and several documents that I never signed or consented to I told her I was in disagreement and I would dispute the debt, she then said that since she had a copy of a signed lease she will just list me as a refusal to pay because I started to request more information concerning the debt. She is saying that I owe, {$4700.00} in debt the original creditor has no records of the account, she also says I owe a judgement, when I contacted the court, they had no record of the account. The account was a joint lease account but she has the full amount listed on my credit, but sends me emails saying that I would only be charged half. I told her I would dispute the debt, she became upset telling me that is why her company do n't give payment plan letters she also told me that my separation from my ex was not a reason to get out of paying the debt. She was rude, and her collection efforts were totally against the fair credit act. The documents she provided had no return address or number on them, they are documents that I had no idea existed, they look altered to me, and I do not feel comfortable sending this company anymore money concerning this debt. The experience I had concerning the entire issue was very emotional and for her to mention a very sensitive time in my life that she knows nothing about was very unprofessional and completely unnecessary.
Product: Checking or savings account

**Subject : ** Formal Complaint Regarding Capital One 's Alleged Mismanagement of Savings Account Interest Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding Capital Ones alleged involvement in a lawsuit for cheating customers out of billions of dollars in interest on savings accounts. As a customer of Capital One, I am deeply concerned about the reported misconduct and the potential financial harm it may have caused me and others. 

According to recent reports, Capital One has been accused of improperly calculating or withholding interest owed to customers, resulting in significant losses. If these claims are substantiated, it would represent a serious violation of consumer trust and financial regulations. 

I request that the CFPB take immediate action to investigate the following : XXXX. **Clarification on the Lawsuit** : Confirmation of whether Capital One is facing legal action related to the mishandling of savings account interest, and if so, the specifics of the allegations.

2. **Impact on Consumers** : An investigation into how this issue may have affected Capital Ones customers, particularly in terms of the amount of interest lost and the duration of these practices.

3. **Appropriate Recourse and Restitution** : Guidance on how customers, including myself, can seek restitution for any financial harm caused by this alleged misconduct, including any mechanisms for reimbursement or compensation. 

As a customer who relies on Capital One to manage my savings, I find it unacceptable that my trust in the institution could have been undermined in this way. I expect to be informed about the actions being taken to address this issue and how it may impact me directly.

I would appreciate your prompt attention to this serious matter and look forward to hearing from your office regarding any steps I can take to protect my interests and ensure that justice is served. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX ACCT # 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 XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX  ACCT # XXXX XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS ACCT # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  * opened : XXXXXXXX XXXX XXXX Is an account opened by Identy theft and XXXX XXXXXXXX is an inquiry made not by me!
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 & Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving myself 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

Please Help me. This item has been repeatedly submitted to the credit reporting agencies. I have given them proof of the item being paid in full. In speaking with the original collection. agency, they said the paid in full update was submitted to the credit reporting agencies at least 4 times and this collection has remained incorrect for over 2 months. I do n't want to take legal action yet. I do n't know how these credit reporting agencies could have verified the accuracy of the account when the collection agency has repeatedly updated it.
Product: Credit card or prepaid card

One year ago, I purchased a bunk bed with a third sliding bed at the bottom, from XXXX XXXX ( furniture store in my town ) they gave me two lines of credit through Synchrony Bank for them so it was one for the XXXX  XXXX and the other one for the XXXX   XXXX. 

After delivery the sliding bed DID NOT fit the bunk bed so I called XXXX XXXX ( retail  store ) and they took it back, they told me that theyd be back to give me another on that would fit. Now after one year of giving multiple calls, store visits, calls and complains to Synchrony bank no delivery of the sliding bed has been given to me and the worst part I still have a debt to Synchrony Bank for a merchandise that I never receive. I informed Synchrony Bank about this since the beginning and about two months ago I spoke with them again I was told to re-visit the store one last time on behalf of Synchrony Bank to demand the sliding bed, the owner told them that he would do it for sure but he never delivered it. 

My frustration is that I informed about this to Synchrony Bank since the sliding bed didnt fit, they told me to wait for the delivery and if I dont get it, they would do a charge back. I asked them multiple times over a year to charge back the balance but the representatives all the time say I must request the merchandise to the furniture store. They destroyed my credit.