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

Im submitting a complaint to Credit bureaus 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance {$620.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$0.00XXXX XXXXXXXX XXXX Balance {$0.00} XXXXXXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1300.00} XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX  Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXXXXXX XXXX Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX  XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$540.00} XXXXXXXX XXXX XXXX XXXX Balance : {$350.00} XXXXXXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX  Balance : {$740.00} Discharged XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report that was obtained fraudulently. 

XXXX XXXX XX/XX/20
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX XXXX Equifax are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' These financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  along with the consumer reporting agencies XXXX, EQUIFAX AND XXXX DO NOT HAVE MY CONSENT to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services. I would like the account with the previously stated financial institutions removed expeditiously or i will be forced to take legal action
Product: Checking or savings account

The following was sent to Chase on XX/XX/2019 : INSUFFICIENT FUNDS FEE FOR A {$93.00} ITEM - DETAILS : XXXX PAYMENT INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$1600.00} I've attached two screenshots from my Chase mobile app. The first XXXX XXXX XXXX clearly shows the XXXX payment pending with a positive balance {$680.00} AND Check # XXXX NOT pending. 

The 2nd attachment XXXX XXXX clearly shows a positive balance {$670.00} and, again, Check # XXXX NOT pending. Again, the date and time is XXXX XXXX, 2019 at XXXX XXXX 

This lead me to believe I didn't need to transfer money into the account. Which I subsequently did on XX/XX/2019 in the amount of {$1500.00}. 

At some time AFTER XXXX XXXX on XXXX XXXX,XX/XX/2019 Check # XXXX was debited from the account as of XXXX XXXX,XX/XX/2019 

In a word, this just seems ... wrong.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to Transunion on XX/XX/XXXX asking them to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681 ( e ) ( b ) they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Transunion really did not reinvestigate. They lied on an official document saying they did something they did not do and I have evidence to prove my case!
Product: Credit card

I requested a credit line increase in early XXXX. On XX/XX/XXXX I got a digital alert in my Capitol One account telling me that I needed to provide proof of income via XXXX  months pay stubs. 

The problem was that I needed to fax them the documents within XXXX days. I don't have a fax machine. 

I called customer support several times over the course of XXXX weeks and they always responded with the same scripted response that fax was the only possible way to send this information. Is anyone even getting credit line increases at this company if they need to have a fax machine?
Product: Debt collection

Dear Chase, I am contacting you all about the Chase XXXX XXXX Credit Card that is now closed, but was fraudulently opened in my name and card ends in XXXX. 

I would like to receive via email at XXXX copies of all secure messages sent to and from this account via the app by the individual that fraudulently opened this account as well as all account statements, and all notices and letters that were sent in relation to this account. 

Thanks. 

I appreciate your assistance so far in this urgent and serious matter. 

XXXX Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

One 3 separate dates in the past year One Main Financial has placed hard inquires on my account. They have also sent me emails stating that I need to call them to finish the loan approval process. I have not tried to open a loan with One Main in over 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2006 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX AUTO XXXX Balance : {$0.00}.
Product: Checking or savings account

My wife and I attempted to transfer {$200000.00} from our KeyBank savings account to a XXXX XXXX XXXX XXXX  account on XXXX via a KeyBank Official Check ( copy attached ). On XXXX XX/XX/2023 we received a letter ( copy attached ) from XXXX XXXX informed us that our account was on temporary hold : Confidential information that check may not be paid. In a XXXX XX/XX/2023 letter XXXX XXXX states : Reason for hold on deposit : Confidential information that check may not be paid by the paying bank. It appears from the letter that XXXX XXXX XXXX  is stating that KeyBank for some confidential reason may not be paying the check, however we request that KeyBank investigate and provide details and clarification why the check was not paid. After all we paid {$8.00} to have this check processed by KeyBank and a very large sum of money was subsequently held from us for an unreasonable period of time. There is absolutely no reason why this information should be " confidential ''. 
CFPB closed complaint " with explanation '' however KeyBank failed to provide copies of the referenced documents that were to be part of KeyBank 's response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX sign up for a trial offer thirty days cancel anytime with credit repair. Com. On XX/XX/XXXX I was charged {$120.00} fees. I called and spoke with XXXX XXXX who said I have you on a recorded line saying you signed up for this service. I told him I wanted a supervisor because what I said was I was told a free trial with a cancellation at anytime. I was charged prior to the thirty days. Instead of putting a supervisor on the phone he hung up. I called back and ironically XXXX cancelled my account. When asked about a refund I was out in a hood and AGAIN the call disconnected.
Product: Credit reporting or other personal consumer reports

These Twos Credit Bullies Experian/Equifax like making my credit worse then it already is by updating and changing remarks on my credit reports. If Ive would have known this would happened, I wouldve left it alone on the disputes I did. These 2 Bureaus is committing fraud to the consumers by not acknowledging their disputes instead just turn their heads away and just Bullying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are : XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the investigation of a bankruptcy listing that has appeared on my credit report. Upon reviewing my credit report, I noticed that there is an inaccurate bankruptcy notation, which is negatively impacting my creditworthiness. I am hereby exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request a thorough investigation into this matter. 

Details of the Dispute : XXXX XXXX XXXX XXXX Reference # XXXX
Product: Debt collection

I faxed a cease and desist letter to Ability Recovery at XXXX on XX/XX/2020. Got a confirmation that they received it. The have called me 2 days in a row XX/XX/XXXX and XX/XX/2020. This is a violation of Fair Debt
Product: Debt collection

GLA has been trying to collect on  XXXX  accounts from  XXXX   XXXX  that I do not owe.  XXXX  account was for {$100.00}  (  which was a   XXXX   XXXX   that my insurance covered ). The  XXXX  balance was also covered under insurance, but I also made an agreement that in exchange for the check they sent they would delete the {$34.00} balance from my credit reports and show that it was paid in full.
Product: Credit card or prepaid card

Discover failed to properly post my payment on XX/XX/2020 per the Terms provided with the payment process. Attached are screencopies of the pending payment schedule and payment Terms as provided on the online payment screen where the payment was processed. 

It is clear from the terms that any payment will be posted the same day so long as it was not within 3 days of a previous payment and not on the due date. A final screencopy is included to show our previous payment was well over 3 days before and from the very same bank as we have for decades used. I spoke with both an agent and then a supervisor named XXXX XXXX ( sp? ) in the XXXX office who all refused to properly post the payment instead claiming that the Terms are something other than as clearly and plainly posted online and screencopied here. They claimed there were terms for weekend days after XXXX ( one of the people ) or after XXXX ( the other one ), clearly not even providing a consistent statement of what they thought the Terms were, and obviously not at all consistent with the agreed terms for online payments. I challenged them amply and asked to file a formal complaint, but they would ONLY make a note in my account record. 

I am truly disgusted with this customer service and the fact that a seemingly responsible banking firm would ever operate under such slackness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding [ information on my credit report ]. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

DPT EDXXXX XXXXLate Payment DPT EDXXXX XXXX Late Payment XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX  Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$5000.00}, {$5400.00}, {$9300.00}, {$15000.00}, {$34000.00}, {$1000.00}, {$4900.00}, {$32000.00}, {$14000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 









5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} XXXX -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS INQUIRY XXXX  XX/XX/2021 I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( I have never paid late ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # 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