23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

equafax i have disputed many times XXXXXXXX XXXX XXXX XXXX and i put it in my bankruptcy  also and they still wont remove it
Product: Debt collection

I never received written notice or phone calls regarding the debt. My employer was contacted and they sent me an email stating that the company advised if I didnt get in contact with them they would send a summons to my employer for court proceedings. I received a call and an email in XX/XX/XXXX from my HR department
Product: Checking or savings account

I have recently been scammed on XXXX XXXX out of {$8000.00} on XX/XX/XXXX. I foolishly trusted an individual on their word about a vehicle purchase and they were disguised as a legit car business. They sent over a document of the title with my name and card details so I believe it. They promised that once I send the money they would be delivering the vehicle to my address and sent me a tracking record. Every time I sent a payment they requested more because of certain documents. Once I realize it was a scam, which was too late. I begged for my money back and they keep saying theyre gon na give me a refund, but I havent heard back and then they keep asking me to complete the purchase in order for me to get the vehicle, but I have already sent them so much money and also knowingly. It is a scam. I disputed it to my bank and made police report. However, the bank denied my dispute claims even though I sent them the police report as well. I understand that I authorized this but I Immediately called the bank to try and have some kind of resolution. Please Help!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Checking or savings account

I was a victim of identity theft. I became berry sick and family members compromised my information. I reported this information and XXXX XXXX refused to remove information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Messerli & Kramer received a judgement against me for a XXXX credit card in the amount of {$740.00}, they started garnishing me XX/XX/2018 and had a stop date of XX/XX/2018 and received the garnishment XX/XX/2018. Messerli & Kramer has failed to update my credit report & took over one year to close my judgement, with me even filing with the courts against them and complaining to my local attorney generals office.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed 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 in Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that not only has Zelle neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XX/XX/XXXX XXXX ChexSystems XXXX XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Fraudulent Account Identity Theft Dear ChexSystems Consumer Relations, I am writing to formally dispute inaccurate information on my ChexSystems report related to an account that was fraudulently opened in my name due to identity theft. The details of the disputed account are as follows : Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Account Number : XXXX Bank Routing Number : XXXX Incident Date : XX/XX/XXXX This account was opened without my authorization, and fraudulent transactions were conducted under my name. I was a victim of identity theft, and I did not open, use, or consent to any activity associated with this account. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove this fraudulent information from my record. Please conduct a thorough investigation and provide me with the results of your findings. Additionally, if this information is verified as fraudulent, Sincerely, XXXX XXXX XXXX XXXX
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Acct # - 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 XXXXXXXX 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Okay! What XXXX not understanding is why Ive had to contact and write XXXX several times regarding this account. 

XXXX XXXX XXXX {$170.00} CLOSED/CHARGED OFF Opened XX/XX/XXXX Account # XXXX For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. XXXX has since sent a letter that theyve been sending for the past year. 
2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation.

3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against XXXX This account has been removed from XXXX as well. 
4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to XXXX several times to advise them on unauthorized account access.
Product: Debt collection

This debt from XXXX XXXX XXXX is 5 years old and this is the first I'm hearing about it. I paid rent every month on time and had receipts to confirm. Until just recently because XXXX only keeps mail for 3 years. Not only that but XXXX XXXX XXXX has deleted my account so that THEY can try to SCAM me out of more money. I will not be paying this " DEBT '' as I already paid it 5 YEARS AGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my Transunion profile that XXXX XXXX is removed. It is inaccurate because the account is still being reporting on Transunion and XXXX XXXX XXXX is reporting false information. 
Transunion and XXXX reporting XXXX XXXX is removed from the profile Transunion and XXXX that it's removed. This is not true In addition XXXX is reporting said account multiple times which I have tried to address
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company onXX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report.

I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they can not see the inquiry and so they can not remove something that isnt there.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  (XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all XXXX CRA 's and have sent them 3 dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify and account on my CR account being XXXX XXXX XXXX ( which is not my account ). As I 've stated I 've sent 3 dispute letters asking all XXXX bureaus XXXX equifax, and XXXX  asking for these docs and if they ca n't not show forth the documents on how they verified this account that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation form any of the XXXX bureaus with this 3 letters that I have sent I just continue to receive verified or updated. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal form my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping for that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've sent 3 letters without any resolution. Thank you in advance
Product: Student loan

This company violated not only my trust but the law multiple times but the most recent event occurred on or around XX/XX/2019. On this date I received one of the many calls from Navient in regards to my private student loan. I spoke to a female representative in total around 30-40 min. I asked very specific questions in regards to bringing my loan current, and because of the the representatives response to those questions I decided to enter a payment plan. I paid a total of {$230.00} though the phone that day. 
A few days later ( After payment ) I realized responses to those questions were incorrect, misleading, and flat out lies. To name a few, 1. One I paid my account would automatically be brought current, and would be reported to credit bureaus. 
( turned out to just be misleading information given in order to collect payment ) In reality it would only be brought current after 3 payments 2. The payment I was making would cover all my loans ( minus Federal ones ) including the ones connected to a co signer. 
( Again Lies ) I was initially outraged by the blatant misrepresentation. I contacted Navients ' consumer advocate department as well as sent a letter outlying misleading acts to XXXX XXXX ( XXXX ). No response from XXXX ( as expected ) but the consumer advocate department reviewed the call and agreed that I had been given false information in order to collect the debt. But told me there was nothing they would do. 

I am very familiar with the FDCPA. I know that Navient is clearly in violation. I have gone through them to correct their mistake and they refuse. My problem is that I am concerned that they could be doing this to thousands of other loan holders.
Product: Credit reporting

Experian is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Mortgage

We did a refinance through quicken loans and now just found out it was put as a second on our home we have tried to get the paperwork on this harp they did for us and we cant get any paperwork to find put exactly what they did to us they never told us it was a second mortahe on our home and we are trying to get a line of credit for a hvac unit we desperatly need and wete told we have to have this paperwork and quicken loans wont give us the paperwork.
Product: Credit card or prepaid card

I opened a Bank of America small business account, from the start it was a nightmare. Bank of America immediately began drawing fees from the account like scavengers to decrease the deposits to a position that they could rake in fees. It was contrary to what I was explained during the opening of the account. On four occasions I had to waste time returning to the bank and discussing the agreement with my assigned adviser. They did refund some of the fees, yet started the whole process all over again, and again. Finally, fed up with the situation, I tried on multiple occasions to close my account. It seemed like the account would keep coming to life with some type of new fee which kept it opened. I would pay the fee and attempt to have it closed, but to no avail. After much run around, I thought I finally closed the account after bouncing around from this person to that person in the " business account department '' in XXXX, NC. I had them take the final " fee ' {$9.00} from a {$200.00} credit that they were holding on another " closed '' account to cover and remedy any payment owed. They did take the money and credited me a refund minus the applicable " fees ''. Subsequently, the account was marked as being closed. However, it was not closed. They simply hid the account from my access by removing it from my online banking account portfolio. This was done as they secretly kept the account open and carried a balance of {$9.00}. This balance allowed for a new series of fees to be generated. And, on XX/XX/2019, they mailed a statement to me indicating I owed them new fees in regard to a closed account, thus starting the process all over again.The total I owe according to the statement is {$10.00}. When I called and inquired that day, their automated system would not let me speak to a representative. Apparently, the advertised XXXX is non-existent. The automated service states after much time and effort that " there are no representatives because they are closed ''. The automated system also, informed me that the fee if not paid will be inflated to {$20.00}, apparently compounding by {$10.00} per billing cycle. It then dumped me out of the system and hung up. I am perplexed as to how and why Bank of America is not held accountable for their criminal behaviors under the guise of civil practices. I now realize that I was truly defrauded by their practices. I request an investigation into their deceptive practices to see if others are being victimized by this same scam.
Product: Debt collection

I received this email which included the last four of my Social Security number.I have never heard of this company and do not owe any debt to them. The email was sent on XX/XX/2021. The email states a lawsuit will be filed and my social security number and banking accounts are under investigation by XXXX. Also, the email states that i have been blacklisted.
Product: Payday loan, title loan, or personal loan

This company has continued to view my bank information although I have informed them they have no right or authority. I have asked several times to disconnect my bank account and was told the only way they would is if I request another loan. I wrote support XX/XX/XXXX, as well as XX/XX/2022 and management has continued to neglect my emails failing to respond back. I have spoke with XXXX, XXXX and XXXX. XXXX is where my problem began. She told me she can not help me unless I wanted to borrow more money. 
XXXX has confirmed they do not work with my bank, and I informed the company I would like them to stop attempting the verification. The agents on chat has been instructed to give me a rebuttal script and continue to acknowledge my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit card opened in my name
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of payment information on my credit report. Your company reported a 90-day late payment in XX/XX/year> following a 30-day late payment the prior month, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This reporting is factually incorrect, as it is impossible to report 90 days late without first reporting 60 days late. Additionally, no Method of Verification ( MOV ) was provided, and this reporting can not be validated under U.S. law. 

I do not owe your company a balance, as this account has been settled and satisfied. It would be in your best interest to remove this account to avoid monetary liability for your negligence and inaccurate reporting. Why assume liability for an account that has been resolved when you can simply correct your error? 

Attached, you will find supporting documentation, including account details highlighting the erroneous reporting. Per FCRA guidelines, I am entitled to up to {$1000.00} per violation. A True Bill is included, and payment should be remitted to the address listed on the invoice. I strongly urge your company to remove this account and correct the inaccuracies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problem after problem with disputing something off of my credit with XXXX, XXXX XXXX and Equifax. Everything seems to be in accurate for a couple accounts. 

XXXX XXXX XXXX account # XXXX And I wish to have this account removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Credit acceptance received my letter regarding law violations for reporting my information to the credit reporting agencies without my consent. 

The reporting of this account is in violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 


I am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX, in XX/XX/XXXX. 

I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Credit Acceptance did not disclose this information to me that is required by federal law.

Credit Acceptance knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties.

Credit Acceptance knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within XXXX business days. The following entries on my credit report are associated with this identity theft and must 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 your reference. My credit report contains fraudulent ACCOUNTS 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 Certified Mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX