23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Booking # XXXX : XXXX cancelled the outbound flight from XXXX and reissued outbound from XXXX, 60 KM/40 miles away and three hours earlier (!!! ), a significant and unreasonable itinerary change. 

Discover Card was tricked by XXXX inaccurate documents and dispute # XXXX was prematurely closed without action. Dispute was also deleted from customer online portal, precluding upload of supporting documents. 

Pursuant to " Enhancing Airline Passenger Protections '', 76 Fed. Reg. 23110-01, at 23129 ( Apr. 25, 2011 ) and 49 U.S.C. 41712, as well as European Union Regulation EC 261/2004, please kindly REFUND original airfare for {$680.00} to the original form of payment ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and The Home Depot are violating my privacy rights as a consumer. XXXX continues to report a late payment in XX/XX/XXXX. This is the release of my nonpublic financial information. Furthermore as a federally protected consumer I am now opting out of my nonpublic information being shared.15 U.S. Code 1637 says consumer credit cards are opened ended therefore it is impossible for me the consumer to be late upon this consumer credit account.

Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.
Product: Debt collection

Bank of America sold to XXXX XX/XX/2011 and was supposed to file a release of XXXX with the bankruptcy court but did not. The current title report still shows a XXXX with Bank of American and they say it's not their problem. I can not re-finance because of this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is allowing creditor to report false information on my credit. One is XXXX   XXXX among others. Account that are closed are still on my credit file this is ridiculous. Ive been having this problem over a year. I have no score for XXXX XXXX   period. I see Im going to need to hire someone to look into this. I keep reporting things and they keep happening
Product: Bank account or service

On XXXX/XXXX/2016, I made a mobile check deposit from XXXX, to BBT. The check was in my name and the amount was {$2500.00}. BBT placed an administrative hold on the funds, until XXXX/XXXX/16. Once the funds were released, I learned that they had frozen my savings account where the check was desposited because they believed that the check was fraudulent. I then contacted XXXX, who told me that the funds had been sent, and that there was no way to get the money back. I contacted BBT multiple times and tried to resolve this issue, but as of XXXX/XXXX/2016, my savings account remains frozen, with no XXXX proof that the check was fraudulent. They told me that they had contacted metabank who told them that the check was unauthorized, but when I contacted metabank they claimed that no such call had occurred. A worker named XXXX in the fraud department for BBT actually placed the hold on the account.
Product: Money transfer, virtual currency, or money service

My XXXX  app for crypto currencies says that I can't link my PNC checking account to withdraw or add funds. This was working end of XXXX as I just made a deposit to XXXX from PNC on XX/XX/XXXX. Now I can't withdraw my funds and my money is stuck in XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account was not reporting accurately. 
I have XXXX late payments on an account that was last paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments. 
I've attached a copy of my reports to the complaint on the following dates. 
( XX/XX/23 ), XX/XX/23 XXXX I'm now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Prepaid card

I received this card as a gift from a school sponsored event. I've ensured that the card is activated, and confirmed my balance of {$300.00} dollars was there. This card is impossible to use. It is declined at major retailers like XXXX, which is crazy since it is one of the biggest retailers in the world. It won't work on XXXX or XXXX eats even though it says it will. Overall it is an extreme pain to even find a place that will accept this card. After a lot of research online it appears many people have the same issues with this card, and can not get it to purchase anything.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report I noticed that there was an XXXX XXXX account that does not belong to me. It was removed from XXXX report but Experian and XXXX continue to report this false information.
Product: Checking or savings account

I have been working with XXXX XXXX, the branch manager, at Huntington Bank located in XXXX since late XXXX. It took me making several calls to the corporate office in Ohio and posting on the bank 's XXXX page to get help from XXXX. She was assisting me in liquidating my deceased mother 's IRA that has matured. The portion for my daughter and myself have been liquidated. However, I the portion for my son is still at the bank. I explained to XXXX that my son is currently XXXX in Texas and asked her what would be required in order for me to take care of the funds on my son 's behalf in late XXXX. XXXX told me I would need to obtain a power of attorney and provide my son 's ID. XX/XX/XXXX I e-mailed the POA and a notarized copy of my son 's XXXX XXXX. XX/XX/XXXX when I did not hear back from XXXX I reached out to her via e-mail to inquire if she needed any additional information from me as well as to inform her that I had moved and would be withdrawing the funds for my son out of the bank. About a week later XXXX called me to tell me that a state ID would be required for the withdrawal to be completed. Under the circumstances with COVID and my son being incarcerated there is no way for him to obtain a state ID. The bank has his XXXX XXXX which has his picture on it along with all the other requirements asked for my son and myself. There must be something that can be done so I can obtain the funds so that the state won't claim the funds ( escheatment ). 

I am hoping to get some assistance from your agency to help resolve this matter as there had been previous issues regarding the liquidation of my deceased mother 's funds in 2016. XXXX has been very responsive in getting the funds to my daughter and myself. However, she said that there was nothing more she could do if I were not able to get a state ID for my son. Again, this is an out of the ordinary circumstance with COVID and my son being incarcerated. However, I have the POA, notarized inmate ID, short certificate showing me as the executor of my mother 's estate, and my ID. There should be a way to annotate the account so that transaction of closing the account is well documented. 

I can be reached at XXXX XXXX XXXX XXXX or via e-mail at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i contacted XXXX XXXX car loan company and XXXX XXXX XXXX to ask about a account that was open in my name XXXX account number XXXX and XXXX XXXX XXXX account number XXXX i asked them why this was reporting under my name when i did not authorize these accounts to be open in my name. i never gave them authorization to do so with my personal information. there contacted number is XXXX XXXX and XXXX XXXX XXXX XXXX i also contacted Experian, XXXX and XXXX regarding this matter with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/
Product: Money transfer, virtual currency, or money service

Im writing to formally express concerns regarding Zelles handling of disputes, particularly in light of 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 lost funds was impossible and that tracking these transactions were infeasible. The CFPBS findings indicates 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

I have tried contacting Equifax about fraud accounts on my credit. They told me to fill out some form and I did and to mail it to them. I did and they have nothing. I do not know who else to help me but can someone please help with these fraud accounts, I am being contacted by people companies that i do not no.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of 2017, I paid back a medical in the amount of   XXXX  . The creditor North American Credit Services advised me that once the amount was paid, the trade line would be removed from my credit. As of today,  XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.
Product: Credit reporting or other personal consumer reports

There are still accounts on my credit report that should not be there ; I have filed your company a dispute last month XX/XX/year> which I am quite clear about the accounts that were fraudulent and in issue.
Product: Debt collection

I told them the debt was paid and shouldve been cleared..the credit company sold them the debt without my consent and I end up paying it to creditor..I asked for a debt validation letter and they did not have it or never sent it to me..I asked for them to correct it and they still have not
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting 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 : account numberXXXX XXXX XXXX XXXX : account numberXXXXXXXX XXXX XXXX XXXXXXXX : account number-XXXX XXXX XXXX XXXX : account number-XXXXXXXX 15 USC 1681 section 602A states i have a right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s- ( 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

I MADE A COMPLAINT TO XXXX XXXX XXXX AND INFORMED THEM IN XXXX THAT MY ACCOUNT HAD BEEN COMPROMISED AND FRAUDULENT CHARGES MADE AGAINST MY ACCOUNT DUE TO MY CARD BEING STOLEN DURING A BIKING ACCIDENT IN XXXX XXXX. 

I ALSO SENT REPORTS OF DATA BREECHES FROM EQUIFAX IN XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX RESPECTIVELY INCLUDING ALL CORRESSPONDENCES FILES AND INDICES PERTAINING TO SUCH DOCUMENTS. 

ADDITIONALLY I SENT A COPY OF INSURANCE PURCHASED WHEN THE CARDS WERRE ISSUED TO PROTECT ME FROM SUCH FRAUDULENT ACTIVITY SHOULD SUCH AN OCCURENCE PERTAIN. 

ADMIST ALL THIS OCCURENCES INCLUDING ASSURANCES FROM MY ATTORNEY XXXX XXXX XXXX IGNORED MY COMPLAINTS AND WENT AHEAD AND SOLD MY ACCOUNT XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and found several accounts listed that do not belong to me. I wish to formally dispute these inaccuracies, as they have negatively affected my credit score and financial standing.

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an investigation and removal of these erroneous entries. 

The details of the accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect as I have never opened or authorized these accounts. 


I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Product: Checking or savings account

Chime bank refused to accept my payroll check for deposit. They would not attempt to verify the check with XXXX XXXX or even run the check, they just told me to use it elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


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

I am writing to formally address the inaccurate information you have reported to consumer reporting agencies regarding my account, reported on XX/XX/year>. This erroneous reporting has caused significant harm to my character, reputation, and overall quality of life, severely affecting my ability to obtain credit for personal and housing purposes. Your inaccurate reporting has directly impacted my livelihood.

Under 15 U.S.C. 1681s-2, as a furnisher of information to consumer reporting agencies, you have a legal duty to provide accurate information. Specifically, ( a ) ( 1 ) ( A ) prohibits you from furnishing information if you know or have reasonable cause to believe that it is inaccurate.

Moreover, the IRS clearly defines a charge-off or canceled debt as income, which does not belong on a consumer report. Reporting this account inaccurately misrepresents my financial status and is, therefore, misleading.

You are hereby put on notice that you are furnishing incorrect information. If the amount of canceled debt exceeds {$600.00}, as per IRS regulations, you are required to file Form 1099-C and provide me with a copy. Please send my Form 1099-C to the address listed below.

In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), you must cease reporting this inaccurate information immediately. I have formally notified you of these inaccuracies, and your continued reporting is a clear violation of your responsibilities as a furnisher of information.

This is your final opportunity to rectify this matter. I demand that you delete this erroneous account from my consumer reports. You have 10 calendar days to comply with this request.

Thank you for your immediate attention to this issue.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau 's about removing these fraudulent inquiries from my report. They in return told me I should worry about them because they would be falling off my report in the near future. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIFTH THIRD BANK, N.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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.

**See Attachment, I have several accounts about XXXX they are highlighted in Yellow 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 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. 

***I am not able to get a job in my career field or even buy a home for me and my kids. I am not able to assist my XXXX XXXX due to lack of income because of my identity fraud. This is hurting my life and my kids. I am a single mom and trying to live. Please remove this false negative information. Thank you
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX  regarding a collection account that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX XXXX XXXX and the credit bureaus, the collection account remains on my credit report, causing significant harm to my creditworthiness. 

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

There was a fraudulent gas bill add to my credit report via LJ Ross & Associates in which they claimed to have purchased this debt from XXXX XXXX. I contacted the original debtor ( XXXX XXXX ), provided them all my pets information & police reports. Peoples gas sent me a letter saying they made a mistake & they would notify all 3 credit Bureaus to remove this debt immediately. I sent copy of this letter to LJ Ross & Associates and they still wont remove this fraudulent debt that I have proven is not mine.
Product: Credit card

My card was lost, I noticed so many unauthorized charges on my credit card account. 
I sent them a letter and it was noted that they received the letter regarding the fraud claim stating that the charges was unauthorize, and until now, they are not fixing the issue.
Product: Debt collection

To whom it may concern : I am writing to dispute the following item on my credit report : Account Number : XXXX Creditor : Midland Credit Management , Inc . 
Balance : {$890.00} I sent a debt validation letter to your company on XX/XX/year> via certified mail ( XXXX ). In this letter, I requested proof of the debt you claim I owe. As of today, XX/XX/year>, I have not received a response. 

The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to validate debts when requested. Since you have failed to do so, I am requesting that this item be removed from my credit report and any other credit reporting agencies that you report to immediately.
Product: Debt collection

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 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 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.