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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX XXXX  : {$240.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the 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 unfeasible. The CFPBs 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.The 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

On XX/XX/XXXX Equifax responded to my CFPB complaint stating that XXXX # XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX have all been verified.

Ive informed Equifax numerous times that I do not know these accounts, and requested that they send me the applications and agreements with me signature, for when these accounts were opened. Ive received nothing from Equifax.

If the above-mentioned accounts were verified as outlined in the FCRA, then the original creditor must have sent Equifax copies of the application, agreements with my signature. I respectfully request that Equifax open my file, and send me copies of the applications, agreements with my signature, as proof and verification. If they can not provide me with the proof that I need, then the accounts must be promptly deleted.

In addition, XXXX XXXX XXXX # XXXX, was also included in my previous disputes, but as noted in Equifaxs response to my CFPB complaint, it was removed because they were unable to verify the account, and they were unable to provide me with the proof that I requested.

OnXX/XX/XXXX I purchased a copy of my Equifax report and discovered that the previously deleted account ( XXXX XXXX XXXX  # XXXX ) was reinserted into my credit report.

As outlined in the FCRA, Equifax is required to notify me within five ( 5 ) days of reinserting a previously deleted item. At no time did I receive said notification.

This is a violation of FCRA 611.

Please delete the above-mentioned account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple attempt 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$6400.00}
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and was shocked to see what was on my credit report. N accordance with the FCRA the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk XXXX XXXX XXXX has violated my rights 15 USC 1681 section A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written consent
Product: Credit reporting

This account not mines but it keep coming on my credit report and they wont delete it from my stuff.Its bringing my score down badily please update it
Product: Debt collection

I am a victim of XXXX breach. I wrote letters to all three credit bureaus with a copy ofthe XXXX breach verification. As a result, these companies XXXX. XXXX XXXX XXXX XXXX XXXX posted on all 3 credit bureaus they " verified '' my accounts. I disputed with each bureau. I asked for Purchase Agreements with their companies to show full ownership of these accounts. I have not been presented with a purchase agreement but they continue to post on my credit reports.
Product: Checking or savings account

Bank of America has accused me of committing fraudulent activities in my accounts resulting in their closure without notice. An advance-fee scam had taken place in one of my accounts via online search for payday/installment loans and a docusign, followed by money placed into my account then the sending of money via XXXX XXXX to the scammer 's name and city/country. The promise of money from what I thought was a reliable source took my hard earned income via overdraft fees and ways. I feel this was a mistake and shouldn't be handled by the permanent closure of my account without opening another in its place. I feel that I should be able to utilize their banking tools for and in my personal needs.
Product: Bank account or service

XXXX XXXX Bank of America has refused to return the residual balance in a bank account of {$3.00}. After contacting the customer service organization they communicated that they would charge me {$50.00} for the return of my {$3.00}. Or they could just take my {$3.00}. Every financial company should be required to provide at least XXXX option for returning a customers own money without a fee.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

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

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 : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 or other personal consumer reports

To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. LIST OUT INACCURATE ACCOUNTS HERE The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$XXXX} per violation. I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit. Ive attached the inaccurate account below.
Product: Credit reporting

A name that is reported is wrong. The wrong name is XXXX, XXXX, XXXX. My correct name is XXXX XXXX XXXX. The address reported is wrong. The wrong address is XXXX XXXX, XXXXXXXX. The correct addresses are XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Please remove XXXX, XXXX, XXXX and XXXX from my reports. I have never used that name or lived at that address
Product: Credit reporting

Equifax removed many CURRENT accounts from my credit history, which had a great impact on the age of my credit history. As a result, my credit score decreased by 65 points! This may be due to confusion over my single vs. married name.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Credit card or prepaid card

I applied for the Chase   XXXX   Preferred card and got a call for additional verification which I completed after then it was approved. When the card arrived it did not work, I called Chase several times and nothing got done.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to investigate any items that resulted due to Identity Theft. Please find the required documents to assist in the investigation of the erroneous information which is being posted to my report.

According to FCRA Section 605B ( a ), Transunion shall investigate any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Please investigate this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$670.00} XXXX XXXX  Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX, 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 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, credit repair services, or other personal consumer reports

I have been having problems with Equifax reporting correct information on my credit report and everyth9ng on the report is incorrect as the dates of reporting n. no new information reported for 5 months since XXXX. This is not correct as it is on on my XXXX  and XXXX  and hindering from getting loans and other such financial products.
Product: Credit card or prepaid card

I applied Chase XXXX credit card on XX/XX/XXXX at XXXX website. At that moment, I saw the XXXX Ads that they 're offering 40,000 points after {$2000.00} purchase in 3 months ; {$50.00} statement credit after the 1st purchase ; 5000 points for adding authorized user. As a result, I clicked the ads and went through the application process. The card has been successfully approved and mailed to me. However, when I called Chase to verify my offer, I was told that my offer has been changed to be '2 Free nights ' instead of the original '40,000 points '. I sent secure msg via my chase online banking and escalated it to senior leaders. However, after 10 days back and forth, Chase insisted that my offer was 2 free nights but not 40k points. Here I attach my screenshot at the moment i applied the credit card. And even now, both XXXX and chase web still post the ads of 40k points. Chase is cheating customers by posting attractive ads but offering a different offer indeed!!!
Product: Credit card or prepaid card

I paid off my Chase Sapphire credit card, which had held a balance for a period time after a period of financial hardship. My income had increased by $ XXXX, so that was updated as well. 11 days after paying it off, Chase Bank lowered my credit limit by 90 % XXXX XXXX XXXX XXXX XXXX  ), completely negating the effect of paying off the card on my credit score. This seems designed to keep me in a debt trap, as it prevents me from obtaining consolidation loans. It is effectively punishing me for eliminating the interest-carrying balance on the card. 

Chase has refused to reinstate the old balance, and claimed to be unable to escalate me beyond a second tier of account specialist. The factors they listed in the letter they sent were mitigated by my payoff, but it was as if the payoff was in fact the impetus for them to lower the limit. A slightly lowered limit would be understandable, but a 90 % reduction is capricious and punitive. It turns me off entirely from ever doing business with Chase again, as they seem to want to punish consumers for using their credit line or having periods of increased financial burden.
Product: Checking or savings account

I used to have an account with XXXXXXXX XXXX  that was closed due to alot of fraudulent charges that started in XX/XX/XXXX. XXXX this month they proceeded to charge me overdraft fees up until XXXX. On XX/XX/XXXX I tried to open an account with another bank and learned that there was an outstanding amount of XXXX $ on the account. There was never any communication regarding these charges and I was not aware of these charges. Also we noticed on these statements that the charges was daily but very inconsistent. I understand weekends do not count but there was gaps of XXXX  days that went uncharged.
Product: Prepaid card

Re PLS prepaid card, and atm use. 

I used my card at ATM. Requested {$130.00}. I was ok with the {$4.00} charge ATM cost, and {$2.00} charge for ATM transactions with PLS debit card use. I accepted and pressed proceed, then, The ATM machine dispensed only {$80.00}, but proceeded to charge the {$4.00} and bank cost of {$2.00}. 

I called the XXXX XXXX, as I was told they own the machine, and was told since I do n't have an account she ca n't refund and to call my card bank. I called my card bank, PLS, and was told they ca n't do anything. 

I am being charged twice, for XXXX requested total. ATM should not charge you if they ca n't dispense the total amount. The card issuing bank should have a process to protect us consumers. I 'm stuck with paying about {$16.00}, to receive XXXX requested total of {$130.00}. My cost should 've remained the roughly {$8.00} not be surprised to roughly {$16.00} due to failure of an ATM. 

I want a refund of the PLS cost of {$2.00} plus {$4.00} ATM cost, just to do the additional transaction in order receive the difference in total I requested of up to {$130.00}. Why should I be stuck paying twice for my XXXX request?
Product: Debt collection

Equifax ref : XXXX XXXX XXXX you are the only one showing this account on my report there was a fraud alert posted filed with all gov doc s this account is under protest and has been FCRA section 623 and FDCPA 806 { b } state that the creditor must enter a notice of dispute .if this is not entered the account can not report on the credit file in which I have disputed with you for over 6 months. according to the Fair Credit reporting act section 609 { 8 } { 1 } { A }, you are required by federal Law to verify- through the physical Verification of the original signed consumer contract any and all accounts you post on a credit report .otherwise, anyone paying for your reporting service could Fax -email in a fraudulent account.I demand to see Verifiable proof { an original consumer contract with my signature on it } the other reporting companies could not produce this and removed it } .your failure positively very this account has hurt my ability to obtain credit .under the FCRA, Unverified accounts must be removed as the other credit companies have. you have on file all documentation government and police reports to handle this matter and remove this account, account does not state in dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. There is no name associated with this file & needs to be deleted due to inaccurate information XXXX  ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  are inaccurately showing that several of my accounts are 30, 60, 90,  and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX  - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX
Product: Mortgage

Complaint # XXXX, has errors please accept this as correct and updated request. This letter and request is one of numerous attempts since XX/XX/XXXX, to obtain status on payments from XX/XX/XXXX through XX/XX/XXXX, specifics dates and checks numbers are detailed below. 

I received a letter from State Farm Bank dated XX/XX/XXXX, acknowledging my letter dated XX/XX/XXXX, and stated my request would take longer and an additional 15 days would be needed. No correspondence has since been received. State Farm Bank, has continued to delay or state more time is needed to address my simple request and those of XXXX XXXX, XXXX. 

My requests are simple : Status of the checks listed below in a readable and understandable format. State Farm responded to a prior dispute CFP # XXXX, with confusing and illegible responses which required research to determine what they were referring to. State Farm stated : {$2400.00} was returned to me and a check for {$6500.00} was sent to me. I verified with my bank no deposits in that amount have been recorded. No check number was provided by State Farm for more detailed research and is requested at this time. 

In addition, to the very simple status of the checks below in a legible and understandable format I also request details and status of the payment of {$2400.00} and {$6500.00}. I again, request the Credit Bureau require State Farm Bank to respond promptly and with readable and legible response. 

Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$2400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1700.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$4800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$2800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount, {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$900.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1400.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$570.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$620.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$1100.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$800.00} Date : XXXX/XXXX/XXXX, Check # XXXX, Check Amount {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows on My Experian report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with Experian and they sent a letter stating the information were correct with no proof. I also reach out to XXXXXXXX XXXX XXXX XXXX XXXX of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status