23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> dated letter. 
Opened on XX/XX/year>. Letter from Chase stating my credit card application was denied due to suspected fraudulent activity. I called the telephone number in the letter : XXXX ( Chase Fraudulent Services ). They asked for the following information to confirm my identity : Name SSN Mother 's Maiden Name Mother 's DOB Previous Address Years residing at previous address. 
I stupidly gave them all my information. 
I don't know if the number I called was actually fraudulent. I can't reach an actual human being at Chase. I froze all my credit accounts and put fraud alerts on others.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : 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

Student loan has been discharged and it is still being reported with a balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX dont know XXXX XXXX XXXX {$2500.00} was {$2000.00} had a XXXX or XXXX XXXX XXXX suddenly went and car company couldnt fix told me to fix I was still under warranty they repossessed 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 Include closed XXXX XXXX XXXX account still on my credit report please delete
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Do not recognize this address I want this address to be remove from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i want the information that does not match with the other credit bureaus to be reviewed, the information does not correspond between the different bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

1. XXXX XXXX XXXX XXXX XXXX Account # XXXX BAL {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is falsely reporting a credit card in my name on my credit report with an open date of XX/XX/XXXX with a charged off amount of $ XXXX reporting XX/XX/XXXX. I disputed the account first with XXXX XXXX, my long time Bank back in XXXX of XXXX and also disputed the false reporting with XXXX, Equifax and XXXX in XX/XX/XXXX. After an initial denial of my dispute, my research led me to discover my rights being violated in accordance with the Fair Credit Reporting Act 15 U.S.C. Sec. 1681i ( a ) If there is no proof delete item. This false reporting has also violated my rights in accordance with 15 U.S.C. 1681 section 602 I have a right to privacy and section 604 A consumer Agency can not furnish an account without my written instructions. No proper investigation occurred which is a violation of my rights in these acts. I have been trying to get this off my credit reports for 6 months now and this false reporting has made it impossible for me to obtain loans or financing to care properly for my family and myself. I have sent three letters to XXXX XXXX, called on the phone and have disputed the account to the credit reporting agencies, with XXXX letters and online disputes through each agency as well. It has been a frustrating experience to say the least.
Product: Credit reporting or other personal consumer reports

Experian has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to Experian. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. I received a copy of my credit report and found the following item listed below to be an error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave Experian Reporting Agency XXXX XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). Experian Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX  per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Checking or savings account

Hello I've been waiting for my economic Impact payment for two years now. XX/XX/2022 i contacted Consumer Financial Protection Bureau to resolce this issue with my deposit being returned to the originater. I still haven't received my federal tax return and im experiencing a hardship with financially stability. The amount of my failed deposit is XXXX i believe it's because the address associated with the tax return i filed was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX My current and updated address i currently live is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

XXXX Account Number : XXXX WAKEFIELD Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

This car payment has been paid in full since XX/XX/2015 it is still showing that I owe. This is damaging my credit
Product: Checking or savings account

This is a Unfair Deceptive or Abusive Acts and Practices ( UDAAP ) complaint against Key Bank. I had a checking account with a credit reserve account attached to it. I moved away from convenient branch locations and therefore attempted to close the account via written notice and phone calls. I called on 4 separate occasions throughout late XX/XX/XXXX and early XX/XX/XXXX to get it closed. Each time Key Bank personnel said they would handle it but it never got done. The last time ( early XX/XX/XXXX ) I was told that they would contact the branch of origination ( XXXX, WA ) and take care of it. Nothing happened - however they happily continued to charge fees to the account and overdraw it in the amount of {$310.00}. Now it shows up as a negative on my credit report. This is unacceptable - it was Key Bank 's error and I believe they deliberately kept the account open and charged fees against as a revenue generation tactic.
Product: Credit reporting or other personal consumer reports

I am sending in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4900.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4700.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00} -- -- -- -- -- -- -- XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Please forward me the name and addresses of persons contacted. XXXX ( XXXX ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ).
Product: Vehicle loan or lease

I bought a XXXX XXXX in XXXX of XXXX with a loan from Ally and the vehicle was totaled in XX/XX/XXXX. XXXX XXXX reached out to Ally financial to get a total payoff for the vehicle and paid Ally the amount they gave travellers insurance around XX/XX/XXXX. Ally didnt contact me until XX/XX/XXXX when they said I still owed {$360.00}. When I was contacted by Ally I asked where that amount came from and after sitting on the phone for over 2 hours they told me it was from a missed payment in XX/XX/XXXX but I didnt take out the line of credit until XXXX XXXX. In the 6 months following Ally called me multiple times a day from different phone numbers and never left a voicemail. Now in XX/XX/XXXX I am being called by debt collectors trying to collect the amount of {$360.00}. Ally had hit my credit multiple times for this until charging it off as bad credit sometime in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that XXXX XXXX XXXX # XXXX is reporting on my credit report. This letter serves as my official complaint regarding the erroneous account information that is negatively impacting my credit score and my overall financial well-being. 

I have recently reviewed my credit report and identified that XXXX XXXX has listed an account for which I am not liable. This account does not belong to me, and the information being reported is entirely inaccurate. I am aware of my rights under 15 U.S. Code 1681, which guarantees that I am entitled to have only accurate and verifiable information included in my credit report. 

Despite my attempts to resolve this issue directly with XXXX XXXX, the erroneous information remains on my report. This ongoing inaccuracy constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the Consumer Financial Protection Bureau intervene in this situation and take immediate action to ensure that the inaccurate information reported by XXXX XXXX is deleted from my credit report. This erroneous entry is causing undue harm to my creditworthiness and financial reputation, and it is imperative that this matter be resolved promptly.
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. 


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 has violated my rights 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: Checking or savings account

This complaint is related to XXXX. I am leaving my bank - US Bank - after the most horrific financial experience I have ever heard of in consumer banking. That experience is described in more detail in the aforementioned complaint. I have begun closing all of my accounts including credit card, brokerage account, and CDs. The final closure of my checking account is scheduled to take place in-person in XXXX at my local branch. However, one final CD ending in XXXX for {$3200.00} is not being deposited into my checking account and it has been a month since I called on the phone to redeem it. I emailed the branch managers and the person in the bank 's Office of the President ( I have their contact info from my previous, related, complaint ). I also called on the phone and spoke to a customer service representative in Wealth Management. No one can provide me any information about my funds, except to say that they have a record that I called to redeem it on XX/XX/XXXX and that the redemption was submitted but was lost in processing. They sounded very confused and explained that it may have been " lost ''. As suspected, US Bank is holding onto my core deposits for their financial gain, at my loss. This is a financial crime and they are well aware of their practice and the impact it has- they just don't care because they believe they can get away with it.
Product: Vehicle loan or lease

While submitting my information for financial business dealings, a delinquent claim popped up on my credit report. Credit Acceptance Corporation located at XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX, marked on my credit report this month, XXXX of XXXX, that I was delinquent on my account that was paid off and closed in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I am challenging the correctness of certain entries on my credit report, as they inaccurately represent my financial activities and standing. This issue is a breach of the Fair Credit Reporting Act, under Section 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and updated information in their reports. Enclosed are the relevant documents that highlight these inaccuracies. I urge a swift and thorough review and the necessary corrections to rectify these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$460.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Around XX/XX/XXXX I got disappointed on how Fifth Third Bank had handled an issue regarding my debitcard being cloned. As a consequence, I closed my checking account with them and paid all the current balance at that time. In XX/XX/XXXX, I received a letter from the Bank saying that I had an opened current balance of about {$300.00}. After many back and forth attempts to dispute the amount, I decided to pay all and get rid of the headache. At the same time, I sent all documentation to the headquarter of the Bank in XXXX so they could proceed to clean my name with the XXXX main credit report organizations. I even received a letter from the Bank confirming that all had been resolved and that they were going to communicate the credit report organizations. Now, XX/XX/XXXX, I received a letter from a third party company saying that I own {$450.00} to the Fifth Third Bank and that after many attempts to reach me ( which was not true ) they will file a lawsuit to collect this debt if I do n't pay immediately. On top of the fact that I do n't know what this amount refers to, I am extremely aggravated by the fact that I am still have been charged for something I resolved properly after more than 3 years ago. I ca n't think of anything but bad practice in bad faith from the 53 Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with Experian ; I made a formal complaint with Experian, XXXX XXXX XXXX, and XXXX and they all failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reported a collection by the name of XXXX XXXX XXXX on my credit report for {$6800.00}. I contacted the collection office and they do not have my information with this account. My social does not match the accounts information. I disputed this with the company on XX/XX/23 and Experian closed it as verified accurate. It can not be accurate if socials/personal information does not match! This account needs to be deleted from my report asap.
Product: Mortgage

Dear Sir or Madam, My name is XXXX XXXX, and I was declared a 100 % XXXX XXXX XXXX XXXX Veteran by the US Department of Veterans Affairs. This declaration was official in XX/XX/year>. I have also been declared TAX EXEMPT on my property since XX/XX/year> by the State of Florida. That said, Mr Cooper ( my home mortgage provider ) has since continued charging me for real estate taxes on my home DESPITE the fact that I have provided them with official documents from the US Department of Veterans Affairs, State of Florida, and XXXX XXXX XXXX Tax Office. I need you to please get Mr Cooper to STOP charging me XXXX dollars a month in taxes on my home, and to refund the approximately XXXX dollars they have WRONGFULLY taken from me over the past year. I will share any documents you need from the Deaprtment of Veterans Affairs and the State of Florida. Thank you for your time and help with this urgent matter. XXXX XXXX XXXX