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

I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB  CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB  CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB  CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Someone opened a Chime account in my name and sent someone who I don't know {$380.00}.
Product: Debt collection

These collections said do not belong to me all medical.   I obtain  XXXX  insurance companies, never informed I had a balance. I have full coverage  SSI.    There are several credit card activity on my credit along with inquires I have not requested a inquiry for ye ars 10 d ue to illiness.   Several addresses not mine only have One.   I have learn within the past few months there is  XXXX  people with my same name, I dont know how my social got out, but it has.   I have had a foreclosure reported in  XXXX  County, and I have never owned a house.   Please resolve this confusion for me.       Thank You In Advance,  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX AK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX intentional put this comment on my credit report because I decided to close my account. 

COMMENT ADDED BY XXXX XXXXXXXX : Account closed at consumers request and dispute investigation completed consumer disagrees. 

Please Note : What is accurate about the statement : I did make the chose to close my account XXXX XXXX as it was no longer a trade-line that suited my needs anymore. I also sincerely felt under-valued as a customer by XXXX XXXX. The tramline limits where extremely low and rates to high in comparison to my other trade-lines. I also did not have the best customer service experience with request to adjust rates and increase limits. Thus, I chose to close the account in good standing. 

Was is not accurate about the statement : No dispute was filed internally with XXXX XXXXXXXX, nor with Equifax, XXXX, or XXXX regarding my request to close an account ( I simply just went online and closed it ). Nor a dispute regarding balances, credit limits, or interest rate. Thus, it is false to make such a statement on the comments of this closed trade-in. As there was no Resolute to dispute. I just simply didn't want to do business with XXXX XXXX anymore. 

Furthermore, I sincerely believe this type commenting was intentional place on my file in a malicious to insure other credit opportunities might be withheld from me by implying that I dispute after resolution. Which would be a direct violation of the Fair Credit Reporting Act. 

Thus, I am requesting the comments be removed completely from Equifax, XXXX, and XXXX and XXXX.
Product: Debt collection

Received a letter from the magistrate court of XXXX County stating that XXXX XXXX XXXX XXXX XXXX was suing me as the assignee of XXXX.

Form states that it is a " PLAINTIFFS APPLICATION FOR DISBURSEMENT OF FUNDS ''.

The following wording is noted : " NOW COMES the Plaintiff in the above styled case and files this Application for payment of all funds due Plaintiff paid by Garnishee after such time as the Clerk determines that no claim has been filed and no Traverse has been filed with twenty ( 20 ) days after Garnishee 's Answer was filed. Moreover, Plaintiff states Garnishee and Defendant will be properly served with the Garnishment pursuant O.C.G.A XXXX and that proof of such service will be filed with the Court prior to any disbursement of funds. '' This letter is signed by XXXX XXXX XXXX XXXX XXXX, Georgia Bar # : XXXX   The law firm that sent the letter is Aldridge Pite Haan , LLP The APH File number is XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there are late payments on my credit report that need to be removed from XXXX bank. I send multiple letters requesting to remove inaccurate late payments from my credit report on XX/XX/2021 and on XX/XX/2021 to all 3 credit bureaus ( XXXX, XXXX and Experian ). I have received letters from all 3 credit bureaus but none of them have been removed. I have never made any late payments to XXXX and need late payments removed. Thank You.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat 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, credit repair services, or other personal consumer reports

This is becoming a serious issue. Your company has still not followed the instructions that were clearly stated in my letters that were sent on XX/XX/2021. I demanded that you produce for me the original consumer contracts bearing my signature for that accounts that were listed in my letters through physical verification which you were required to do by federal law per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Till this day I have received NO original consumer contracts bearing my signature on it at all showing that those accounts are indeed verified and accurate. All you did was complete the disputes and said that the accounts were verified without providing the information that I demanded. As a consumer, I am completely disgusted at the fact that you have openly committed federal violations as if I don't know my rights as a consumer. This violation is grounds for immediate deletion of all accounts that were listed in my disputes. since you want to XXXX XXXXXXXX and stall with my disputes and pretend as if you clearly cant read, I'm evoking my rights as a consumer Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) ( 2 ) I demand that you remove all accounts listed in my letter because i have not given you any permission to report any accounts onto my consumer report in the first place. i have attached the first dispute dated XX/XX/2021 as evidence and my new letter dated XX/XX/2021 containing the 3 accounts that I'm demanding be removed. if you decide you want to ignore or stall with my request I will file a law suit requesting monetary relief for the damages of your inaccurate reporting as well as the clear violations you have decided to commit.
Product: Credit card

After accumlating more the XXXX points with Bank of America, I completed the online process to trade points for a {$25.00} prepaid visa in XXXX XXXX. As of this date, the card has not arrived. 
Between XXXX XXXX and XXXX XXXX I called Bank of America at least 5 times. I had to sign an affidavit that my complaint is valid and I did not receive the card. I was promised the card would be sent during at least XXXX of those XXXX calls. I have requested a copy of the original application for the Bank of America Card from XXXX when I first applied. The request has been ignored. My payment record is excellent. My XXXX score was low XXXX 's when last I checked. I do not understand why Bank of America would dog me out after 16 years. My current balance is less than {$20.00} - I have had balances in excess of {$13000.00} Can you help me get my {$25.00} gift card or have my XXXX points put back in my account. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX have failed to validate the debts for the accounts under 15 U.S.C. 1692g The accounts are as follows XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Acct XXXX
Product: Prepaid card

My account was frozen due to a return done where funds were supposed to be put back on the card. They requested I email receipts of transactions both purchase and returns. I emailed the requested receipts three separate time and all three times they came up with excuses why it would not work. The last being they were illegable. I used the same fax service all three times but of course only the last time when I met all of the other requests were they illegable. This has been going on for almost two years now.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries above was made fraudulent on my account I'm asking transions to delete these inquiries off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputes have been submitted to the credit bureaus but no resolve for items : XXXX XXXX Account # XXXX the accounts were opened in XX/XX/2016 should have fallen off by now, it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX Acct # XXXX - Opened XXXX..it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX - Acct # XXXX- Account is paid in full and still showing late on my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 
I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Starting on XX/XX/2021 I tried to add daughter as authorized user to my Goldman Sach Apple card. Had technical difficulties and was unsuccessful. Reached out to company and absolutely no help. 

Sometime on XX/XX/2021 I was able to get her added. Tried several times to order her a physical card and was not able to do so. Talked to several different reps and nothing but misinformation. 

On or before XX/XX/2021 I received a physical card. I was not able to activate card after several phones calls and text messages with Goldman Sachs. 

XX/XX/XXXX contacted again still not able to activate card. Supposedly been escalated to tech support with no resolution. 

XX/XX/XXXX contacted again no resolution. Told would be 10 ten more days. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

Dates listed are only days I used text messaging. I called many more times trying to get an update and card activated. I am always told someone will call me back and the issue will be handled with in 10 days but no one has called me back or helped me get daughters card activated. I asked for case/complaint number and they said it is against company policy to provide that information. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, an account from XXXX XXXX XXXX {$1300.00} keeps showing on my credit report and I believe it to be fraud. I have not had any business with this company nor authorized anyone to use my information to obtain credit and now this negative account is tarnishing my already great credit rating. Please help me remove this account in a timely manner.
Product: Debt collection

My HIPPA rights have been violated and the actions that Paragon group has done is incorrect. I am not working due to Covid and this negative information being reported is hurting my credit score. I have never received a bill for the collections and the information reported is inaccurate. They are reporting that I owe them XXXX for TransUnion and XXXX for XXXX. My Hippa Rights have been violated and have provided the credit bureaus with inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXXXXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1200.00} XXXXT XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$150.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX {$250.00}
Product: Debt collection

My phone account was cancelled XX/XX/year> I went into the office paid my amount due plus any further charges I was told the account was cancelled, I received a bill a few weeks later saying I owed them I called the number on my credit bill the amount was put back into my account now I am getting calls from a collection agency saying I still owe them. The company is XXXX. I am still having the same issue with att after 5 years. enough is enough how these companies have the same policy.XXXX  the consumer
Product: Student loan

My school loans were originally with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I  consolidated a few of my loans. In XX/XX/XXXX XXXX XXXX reported to the IRS that my loans had been Cancelled/Discharged and a balance of {$3000.00} was forgiven and counted as income. Being in the Military, I did not receive the notice of the loans being discharged. In XX/XX/XXXX I was notified of the Cancellation/Discharge of my school loans and told that I owed taxes on the {$3000.00}. I called the IRS, Called Navient ( because by XX/XX/XXXX they were saying that they took over my loans and that is who was emailing me about my loan payments. ) I handled everything with the IRS shortly after getting the notice and it was taken care of. When I contacted Navient about the loans being Discharged, I was given a print out from Navient stating my original loans dates, the statue of the loans, the amount of the loans, the outstanding balance on the loans and what type of loans they were. On this document that I received from Navient on XX/XX/XXXX, it clearly stated that the statue of all of my school loans were PAID IN FULL and the Outstanding Principal on each loan was {$0.00}. But yet Navient is still trying to tell me I have to pay on these loans that had already been PAID/Cancelled/Discharged, and are reporting on my credit as delinquent with an outrageous balance AND continuing to take money when I file my taxes and taking money out of my pay checks. I have been going back and forth with them for 4 years now about this issue and they are extremely rude and ugly on the phone, are of ZERO help, and just making the problem worse! I am currently working with an attorney to get this issue resolved.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing to dispute certain items on my credit report. These items are invoking my rights under the fair credit reporting act section 15 USC 1692G and 15 USC 1681-S-2 upon review I have identified inaccuracies that require immediate attention. Please investigate, update, correct and remove these discrepancies promptly. Also in accordance with 15USC1681-C-2 it refers to blocking information resulting from identity theft from appearing on a consumer 's credit report. This section outlines the process by which I as a consumer I am requesting that information from identity theft be blocked from my credit report. As well as it is the responsibility of the credit reporting agency and handling this request. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX