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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Dear Equifax Dispute Department, I am writing to formally dispute several inaccuracies on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to ensure maximum possible accuracy of the information included in consumer reports and promptly investigate disputes. 

Despite multiple attempts on my part to have these inaccuracies corrected, the following accounts on my credit report remain incorrect and unresolved : XXXX. XXXX 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  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each of these accounts contains inaccurate or incomplete information. I demand that Equifax correct or remove these entries to ensure my credit report is fair, accurate, and substantiated as required by federal law. 

Failure to address these inaccuracies within the legally mandated timeframe will leave me no choice but to pursue monetary damages for each inaccurate account that remains on my report. 

Please send me written confirmation when these corrections are completed, along with an updated copy of my credit report. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a phone call around XXXX XXXX  that reads " XXXX  XXXX XXXX ''. Assuming it was a representative, I answered and the person calls to tell me that there was a suspected withdrawal from my account from a person named XXXX ( apparently bares the same last name as me ) and made an unauthorized transaction to buy automobile parts. They took {$3000.00} from my savings and {$500.00} out of my checkings. He then asks me if I know this person and I told them no. So from then on, he said he would help me get my money back and again, I was under the impression that he was my banks customer service fraud team representative from out of state that operated XXXX, so I have to had believed it. I was too desperate to want my money back, so I thought anything would help. 

So he helps me try to get my money back by asking me to zelle the amount I lost and add myself as a recipient. However, I had to add the number he provided for me as well as a code given to me that I entered once. Then when that was done, he informs me that the bank will call me in the morning to make a confirmation status, I waited next day and expected a call and nothing happened. The person who I spoke to on the phone was most likely in on the scam with the person who initially took money from me or it's the same person altogether. I have screenshots of his number and proof of the transaction. I have also contacted my bank immediately next day and they told me to call Zelle 's Fraud and Scam department 's number, so I did. I spoke with a customer service representative and she asked me questions that would help my case. She did however, told me that it would take 10 days for the dispute and at least 45 calendar days for it to be active? Not sure. But I would like to make this claim in case I do not receive my funds back since I heard Zelle may not be covered under Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason ( s ) n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 5XXXX ; Account name : XXXX XXXX Bank Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX XXXX, Account name : 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
Product: Credit card or prepaid card

On XX/XX/2021 I received two unsolicited Debit Visa cards in two separate mailings from Current. I did NOT request these cards and have never had any account with them. The mailings included a card with a number to activate and NO explanation as to why I received the cards. I tried to call Current but you can only chat with them online. 

I am highly concerned that these cards were created as a result of identity theft and/or predatory credit mongering. 

I need assistance and direction as to how to deal with this situation. I DO NOT want these cards activated!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX  because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXXXXXX still remained with Comenity. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account XXXX, XXXX at XXXX, ext XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only experian has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XXXX, {$80.00} on XXXX, {$80.00} on XXXX and the last payment of {$43.00} on XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with comenity and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XXXX/XXXX/XXXX. the other accounts with XXXX, all those all due to be paid off on XXXX/XXXX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing in order to complain about the incorrect information that is reporting in my credit report. I am talking about this item : XXXX XXXX XXXX XXXX. I have never had this account, I don't recognize it. I did not check my credit report because I had everything excellent but recently when I took a look I realized that this is complete error. I ask you to make investigation and remove this item from my report. 

Thank you in advance!
Product: Checking or savings account

On XX/XX/XXXX I closed on the refinance of my home, subsequently I wired funds from that closing in the amount of approximately {$120000.00} to a new Citi XXXX XXXX. The funds were listed as available and I began using the account immediately. There were no notifications in the online portal, via email, or via postal mail that there were any issues with the account. 

I wrote a handful of checks and also paid off a few credit cards. Roughly a week later checks started bouncing and I realized my payments were not going through. Of course, all my payments except the one to my Citi credit card, that payment wasn't a problem for them. 

After spending hours on the phone the only information I could gather from customer service is " your account is frozen '' they can not tell me why this is the case. Over the next week I called multiple times until I was told my account is being closed and, pending an investigation, I will receive a notice and a check for the funds in the account. I have been locked out of my account for a month and can no longer verify the presence of my $ XXXX, Citi will not tell me what's going on, and I am afraid that " pending an investigation '' I will not receive my funds. 

I escalated the issue to their " executive support '' and the only additional information I was given was that my account was closed due to violating the terms of the account agreement. Though, they can not tell me what terms I violated, nor have they provided any information since they put my account into " pending closure '' around XX/XX/XXXX. 

I am utterly stuck, I have no idea when or if I will receive my funds and they have provided no information about what I did wrong in the first place. I have hired a lawyer, am writing my Congressmen, and am now also reaching out to CFPB for help. I just want my funds and to be able to walk away from this terrible experience.
Product: Debt collection

I had a debt reported on my credit file that isn't my debt. I spoke with Mr XXXX XXXX at Vance & Huffman in regards to debt, Mr XXXX stated that he would have this removed from my credit and that he submitted a removal on XXXX XXXX but it's still showing a negative impact on my credit. This incorrect reporting has caused my credit score too drop over 40 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX Account 's has VIOLATED my rights. THEY WILL BE LISTED BELOW APPLIED BANK - Account Number : XXXX XXXX XXXXXXXX XXXX- Account Number : XXXX XXXX XXXXXXXX - Account number : XXXX XXXX XXXXXXXX XXXX -Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number 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 ccount without my written instructions
Product: Mortgage

We XXXX and XXXX XXXX are going through a very difficult time financially. We already had a Chapter XXXX dismissed and do not wish to lose our home. Our ages are XXXX at XXXX and XXXX at XXXX. However, we do have equity in our home and desire to apply for a modification at this time. My email is attached to this request where the financial institution can email a modification application. Once we get started in the modification, we will get into the medical problems we deal with and how this was a big part of our current hardship. Accordingly, we hope that a modification can start immediately and we can prove how we can get current within the negotiated settlement on modification.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX as well as Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft, a databreach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX  XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question HERE : XXXX XXXX XXXX XXXX ON XX/XX/XXXX. XX/XX/XXXX, AND XX/XX/XXXX, as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX BankruptcyDate Filed/Reported : XX/XX/2017 Reference # : XXXX.
Product: Vehicle loan or lease

Paid car off with XXXX on XX/XX/2017 letter mailed in. 
Online ACH payment, 2nd time XX/XX/2017, 3rd was XX/XX/2017. 
Sent a letter to requesting them to stop calling in XX/XX/2017 and have received four since then.Also on a letter they had or were given 10 days to respond or the bill would be marked PAID IN FULL. They took 15 days. Four counts of payment in full and still no TITLE.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had in accurate personal addresses and phone numbers. Ive had the same phone number for 20 years and the same address for 12 years. However I had multiple addresses and phone numbers on file. 

I had 4 closed accounts that went to collections. One of those accounts was settled, but I see it on my credit report for the same company multiple times.

The other 3 have inaccurate information one the amounts owed, and lender. On my account it looks like I owe 12 companies, when there are only 3.

Also on my account I have an old credit card that I closed 8 years showing as an active update account. Which leads me to believe my personal information may have been stolen.
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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to a conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experian 's inaction violates federal law and my rights as a consumer.
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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

BANK OF AMERICA is currently showing 30 days late ( XXXX 2021 ) in XXXX and XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit card or prepaid card

Bank of America Prepaid Credit Card. Closed my Account and took Prepaid Money to open the Prepaid Credit Card. I was told when I opened the Account with Bank of America after one year I would be issued the new Credit Card that wasnt Prepaid. They closed my account after the year and took the money I put down for the Prepaid Credit Card
Product: Debt collection

Identify theft Account # XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX I got a call from a collection agency ( tsi transworld systems incorporated ), They gave me the info from who sent me to collections which was ( XXXX XXXX XXXX ) in TX XXXX 

They are trying to collect debt from electric usage. I have never lived in TX, nor have any sort of connections to the state. This is the result of identity theft
Product: Credit reporting or other personal consumer reports

Identity Theft and Credit Reporting Discrepancies Complaint I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues related to identity theft and inaccuracies on my credit reports. Last year, I discovered unauthorized inquiries and accounts on my credit reports, leading me to file a report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 

Despite my efforts to rectify the situation, there has been no correction to the derogatory marks on my credit file that do not belong to me. I have contacted each credit bureau consistently from XXXX to XX/XX/XXXX to address and resolve these issues, but unfortunately, no progress has been made. 

In a recent call with XXXX on XX/XX/XXXX, I was informed that they have not received any of my disputes, even though I provided evidence to support my claims. This evidence includes proof of my FTC complaint from XX/XX/XXXX, as well as previous CFPB complaints filed last year. 

This ongoing situation has hindered my ability to obtain credit, and the lack of response and resolution from the credit bureaus is deeply concerning. I request the CFPB 's intervention to investigate this matter and ensure that the necessary corrections are made promptly. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes to TransUnion regarding an incorrect reporting by the Connecticut Department of Social Services who continues to incorrectly report my monthly payment history on a child support account that was opened fraudulently by the consumer reporting agency. The credit report shows that I have past due monthly payments in XXXX which is completely not accurate and erroneous. I have disputed this error numerous times with Transunion and the company is fraudulently reporting the errors as correct. Connecticut Department of Social Services has been garnishing weekly payments from my account to pay the weekly payments on-time since XXXX and therefore the payment history and credit rating disputed involving this reporting has been incorrect for the past 16 months that has caused other financial institutions to approve loans and credit cards because of the payment history that is being reported fraudulently and the errors not removed.