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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Here are the items that needed to be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$730.00XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not owe any XXXX amounts or any fines in XXXX or XXXX. Erase my information from your database.
Product: Checking or savings account

Always had money missing or overdraft fees I could never explain. Would Have a certain amount money at one point then my account would be overdrawn. It was a lot of unexplainable activity going on in my account for years.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns in regards to the way Zelle handles their disputes. Particularly in the recent lawsuit with CFPB highlighting significant issues with the platform dispute using Zelle numerous of times, and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately. They informed me that lost funds were impossible and that tracking these funds were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system thus leaving us users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety and privacy.
Product: Checking or savings account

On XX/XX/XXXX Navy federal took funds from my checking account to pay off debt owed to their credit card I had with them in XXXX. I was paid {$570.00} and they removed {$500.00} from my account without my knowledge. I contacted the bank and they said there was nothing they can do. Please advise
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their Advertise promises.
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. 

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 15 U.S.C 1681 section 602 A. States I have the right ot privacy.

15 U.S.C 1681 section 602 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.
Product: Credit reporting or other personal consumer reports

All collections and charge off accounts needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EXPERIEN credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consum credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me email to 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.

1. there is some inaccurate information reporting. 
XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX XXXX  Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

This is about a promotional credit card bill. XX/XX/XXXX statement amount was {$190.00}, paid {$60.00}. XX/XX/XXXX statement amount was {$130.00} + {$42.00} a non-promotional purchase. Total amount of {$170.00}, paid {$60.00}. XX/XX/XXXX statement amount was {$110.00}. Should have been {$110.00}. I was charged {$1.00} interest on the {$42.00}. They posted the {$60.00} toward the promotional amount, instead of the interest bearing amount first. The federal credit card act of XXXX requires the credit card companies to post to the highest interest amount first. XXXX XXXX has tried to do this to me before, for XXXX and XXXX XXXX XXXX. I imagine XXXX XXXX has done this to many others. They fixed this XXXX problem for me today. It happened at XXXX XXXX XXXX over two years ago. To this day, they continue with the same routine, disobeying the law. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

I sent my letter off on XX/XX/2022 & XX/XX/2022. I told the credit bureaus to investigate each of these accounts and to remove from my credit report on the accounts I have listed below. Also, I have attached the letters I sent out and here is the Tracking # XXXX # XXXX # XXXX. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting these unknown accounts on my credit report.This is causing me to suffer repeatedly and its defamation of my character. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting XXXX XXXX accurate and according to the FCRA 15 USC 1681 everything has to be XXXX XXXX  accurate. I have the credit report showing the inaccuracies. Furthermore according to 15 U.S. Code 1681c-2 these fraudulent accounts should have been blocked within 4 business days. 


Accounts XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my updates, I discovered that inaccurate information was being reported to my personal credit file. Credit reporting agencies have failed to comply with the Fair Credit Reporting Act, 15 USC Section 1681i, and have continued to disclose unverified information without giving the necessary documentation. The three credit bureaus failed to properly identify and produce verifiable proof within the time frame required by law. The following information is incorrect, and I never gave permission for my credit to be accessed. They have not provided me with formal consent or removed these things from my credit report. The following elements must be removed : TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this derogatory off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.
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 noncomplia
nce under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Mortgage

I contacted Milend Inc. to ask about the current interest rates they offer on mortgage loans. The individual I spoke with had taken information in order to give me an " accurate quote '' on interest rates. After several weeks I receive a letter from Milend informing me that an application for a mortgage loan has been applied. I never made any intent to pursue anything including an application or loan with the company. I specifically mentioned that I only want to know the current interest rates provided by Milend at the time.
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. 


Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. Or list of inquiries 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Chase Mastercard account reporting on XXXX and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact Chase and they were unable to locate this account.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to get a credit report from Experian last year and and several days ago. I am not able to get any credit cards or a bank account. I have called Experian multiple times and have not been able to reach a live agent to obtain my credit report
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX Presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX Balance {$910.00}
Product: Checking or savings account

I was targeted to receive a {$300.00} bonus. I received a flyer in the physical mail ( code is : XXXX ) I took it to my local branch and sat down with a personal banker by the name of XXXX. I gave him the flyer and he did the rest. I signed all the papers and that was it. I was to make 2 or more direct deposits totaling {$1000.00} within 60 days. Did that. I was to receive my bonus in 60 days of DD verification ( XX/XX/XXXX ). I called and spoke with XXXX on the XXXX and the XXXX of XXXX. Both times saying to check back on Friday of that week. The bonus still not showing up. I then called the XXXX #. They said they would e-mail their promotions department. That could take another week! All I want is the bonus in a timely manner. That's not much to ask.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.
Product: Credit reporting or other personal consumer reports

There are multiple credit inquiries on my credit profile that were unauthorized. 

XXXX XXXX : XX/XX/year>. 

XXXX  XXXX : XX/XX/year>. 

Please remove these inquiries from my credit report they are not a proper representation of my doings.
Product: Debt collection

Hunt and Enriques harassed me with threats of a lawsuit from a debt from 2014. They even coerced me into sending them a " payment. '' It was n't until I sent in a response to the court to fight the lawsuit that they finally stopped the letters threatening to sue. Over the course of 2 weeks, they sent someone daily to attempt to " serve '' me, but I was never at home, but my wife was. This guy would sit outside our house for hours waiting for someone to come in and out, my wife was really scared and felt threatened. I have all the proof of the letters and all the work I had to put in at the court to file a response with the court after multiple attempts and months of work to do it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under tracking according to Tracking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX  XXXX XXXX  bal. {$1400.00}, XXXX XXXX XXXX. bal. {$1600.00}
Product: Credit card

I went to a XXXX Department Store in XXXX, Pa. I gave the clerk a XXXX XXXX for payment. Clerk seemed to process it but asked if I wanted to earn points for future purchases.I said it said I do n't come often but ok as long as it is not credit card since I have college loans at variable rate interest and dont want to ruin my XXXX score. She went into computer and handed me the reciept which I figured was charged to the XXXX card. over a month later I got a bill from a XXXX Rewards. Here I caught on that I was scammed at the clerk table. with a BAIT AND SWITCH like XXXX XXXX and XXXX bank pulls off telling you it is only a rewards card not a credit card but illegally proocesses a unrequested credit card application. The XXXX card submitted to pay earnd points at XXXX and in a subsequent call to XXXX they agreed to send me a Marshalls bill, take things off their card and cancel it and I would pay the Marshalls bill with the XXXX card that I was scammed out of using thus losing VALUABLE XXXX rewards AND getting a XXXX card I did not want with predatory interest rates and fees. However they failed to do so and instead sent a letter asking me to send them proof i paid with XXXX. It was very clear in phone conversation they SHOULD HAVE PROCESSED XXXX BUT SCAMMED ME, ISSUED THEIR CARD AND CHARGED THEIR HIGH INTEREST CARD.
Product: Credit card or prepaid card

The order was placed on XX/XX/22 and canceled the same or the next day. The pending charge according to the Citi credit card service can't come off and will be on my CC for 30 days. I am to make a payment for a big order next week so that I could take advantage of the promotion advertised for that upcoming purchase. The manager from XXXX, the merchant submitted the release of the pending charge three times in vain- the Citi credit card refuses to release the pending charge which is about 20 % of the credit line I was approved for. The potential solution to increase the credit card limit is not available either. 
They also refused my request to increase my credit card limit for reasons unclear to me. My current credit card limit is 1.4 % of my individual income and 1.1 % of my household income.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

14 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

My checking account at US Bank became overdrawn on XX/XX/XXXX, after a banking error resulted in a mobile check deposit being duplicated. This error occurred in XX/XX/XXXX but the funds were not taken out of my account until XX/XX/XXXX. This took all my money from my checking and savings accounts and left me with a negative balance of {$1000.00}. I called and was told my account would automatically close in 30 days if the balance wasn't brought to a XXXX or positive balance. During these 30 days, overdraft fees of {$36.00} each accrued, and my balance became negative {$1400.00}. On the XXXX day, I contacted US Bank Customer Service and was told my account was closed and nothing would come out or go into it. I could no longer access my checking account through the Mobile Banking App. On XX/XX/XXXX, I received notification of a {$2400.00} deposit into my supposedly closed checking account. I went to the US Bank Branch and was told my account isn't closed ; it is " pending closure ''. I should have a refund of {$1000.00} but as of today, XX/XX/XXXX, I have yet to receive anything. When I have called the US Bank customer service line, they tell me they don't know how long it will take to complete the closure process and if applicable, a cashier 's check will be sent to me. I asked to speak to a supervisor and was informed that they do not speak directly to customers. I asked the bank to refund a portion of these overdraft fees, but they refuse to do so. I just want my money at this point. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account DPT ED/XXXX # 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