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

Subject : Formal Complaint and Request for Correction under the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information contained in my credit report and to address multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other related laws. 

1. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) : I have disputed several inaccuracies on my credit report which have been returned as verified without providing the necessary procedures and evidence used in the verification process. This is a direct violation of 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation into disputed information and provide the consumer with the results of the investigation, including the method used for verification.

2. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) : According to 15 U.S.C. 1681a, a consumer report should exclude information that solely pertains to transactions or experiences between the consumer and the institution making the report. My credit report contains such information, which should not have been included as per this regulation. 
3. Violation of the Privacy Act of 1974 : The inclusion of nonpublic personal information in my credit report without my consent violates the Privacy Act of 1974, which ensures the protection and confidentiality of individual records maintained by federal agencies.

4. Violation of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801, 6802, and 6803 ) : 15 U.S.C. 6801 : Financial institutions are obligated to respect the privacy of their customers and to protect
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach. As such, I am requesting that the following accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my knowledge or consent, and I ask that they be removed from my credit file.

Fraudulent Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Fraudulent Inquiries to be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX Please process this request in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), and provide written confirmation that these accounts and inquiries have been blocked and deleted from my credit report.
Product: Student loan

I WAS XXXX FOREBEARANCE/DEFERMENT THROUGH XX/XX/year> I CAN NOT RETURN TO WORK UNTIL XX/XX/XXXX AND SENT XXXX EMAILS TO MOHELA ABOUT THIS ASKING/ PLEADING TO ADD XXXX MORE MONTHS, XXXX AND XXXX ONTO MY PREVIOUS FOREBEARANCE NOW I AM IN DEFAULT FOR XXXX AND XXXX AND DO NOT HAVE MONEY TO PAY UNTIL I GO BACK TO WORK XX/XX/XXXX AND CAN START PAYING IN XXXX BUT NO THE PAST TWO PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to XXXX, Equifax, and XXXX that I have accounts that are not accurate. I have been told the account was updated. When viewing the acct it is not accurate still. each bureau has different reporting information. Company XXXX  is reporting a charged off acct as late payment how is there payments due on charged off acct. I have sent documentation to XXXX and communicated with XXXX via phone. I have requested old addresses be removed from report due to identity theft also but that have not been completed. They are reporting c/o on an acct as if it is brand new it has already been charged off as bad debt in 2020. It is not charged off every month. Company took payment on charged off account after sending me a earned income statement. The bureaus will not report accurate information on my report. I just desire have accurate reporting information on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4800.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2400.00}, XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit card or prepaid card

On XX/XX/19 my brother was contacted about my credit card account and given my first and last name, as well as the last four of my cc ( I have a recording of the call ). He has never been involved in my financial matters, and he has zero reason to be contacted with my information. Chase could have been contacting a stranger for all they know. My brother 's number had never been associated with my account so this was not a mistake. I called Chase, and was given no apologies or explanation.
Product: Debt collection

The original collection agency XXXX XXXX XXXX , XXXX has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and Resurgent Capital Services XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( Resurgent ) has yet to send me competent evidence to prove I owe this debt to them. 

I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report. 

On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, XXXX. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to Resurgent. After over 35 days and no response from either XXXX or Resurgent, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to XXXX ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt. 
I, in turn, sent a second debt validation letter to Resurgent on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them. 
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause. 
I am at my wits end and do n't know what else to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent via certified mail a dispute in regards to me being a victim of Id Theft and fraudulent accounts being reported to my credit profile. The credit reporting agencies did not resolve nor recognize my dispute eventhough I presented the proper documentation.
Product: Credit card or prepaid card

On XXXX of XXXX thia year Money was the loaded onto my U.S. Bank reliacard from my PUA unemployment through the state of Pennsylvania. I went to use my card and it was declined at the  ATM. I tried using it and the register and it was declined there as well. After calling customer affairs on the back of the card i was told to send a fax of my state iD card and priof of my current address. And that my card would be turned back on once that info was reviewed for fraud and found to be true. After sending in the required documents. I am now told it is still in review and can now instead of taking 5 days to view it can tske up to 15 business days?! Thats ridiculous. the review time keeps changing and i can not access the money that was on ky card. Over 2 grand worth now. I have bills and my rent is due. And they will not wait to verify a coupke documents that shouldn't take long at all. That any of the 5 people i have called and talked to couldn't verify themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a open complaint that hasnt been resolve yet. Per complaint I disputed with the XXXX bureaus and instead of them removing the closed account off my consumer report because 1 ) I dont owe or never have dealings with XXXX XXXX XXXX 2 ) How did they get my XXXX 3 ) The debt was never verified 4 ) The company refuse to verified the debt showing any contracts, proof or anything and hung up on my face. 
5 ) I never gave permission for this to be added to my report.

6 ) Even if the debt was mine, which it is not how can something be charge off at 30 days.

They raised the balance AND place a false remark saying natural disaster. What natural disaster? They cant even verify this account theirselves
Product: Credit card

Capital One Walmart Credit card is the company. 
It started when our online account was hacked for over XXXX dollars. They made it horribly impossible to get it taken care of. 
I have requested payoffs that they say they never recieved. I got a loan through XXXX XXXX XXXX XXXX to pay off the Wal-Mart card with capital one. 
The check was mailed on XX/XX/2023 from XXXXXXXX XXXX to Capital one on 2 different accounts as well as other credit companies we had. Everyone recieved and cleared on the XXXX of XX/XX/2023. All except Wal-Mart capital one. 
I called again today to request another copy via email as well as paper. They still on this day the XXXX of XXXX claim they have not recieved the payoff check, at that time was for XXXX. 
I now have a missed payment, late fee as well as outrageous interest occurring totalling XXXX. 
We have been trying to get away from this company since our accounts was hacked from another state with people using our account to do in store pickups. How that was even possible without proper identification is beyond me. Made me think it is inside jobs going on. I feel they intentionally haven't sent that check through their system so they can occur more fees and interest at 27.99 % please help!
Product: Consumer Loan

Previous CFPB complaint # XXXX. Previously I advised that I returned my lease for my XXXX Chevy Cruze XX/XX/2015. I returned 3 months early due to many recalls as well as transmission issues. ( I was already on XXXX transmission after only XXXX miles ) Previously the CFPB case I opened told me that my account was closed, and I was even issued a refund for a payment. I am now getting harassed stating that I owe GM {$1700.00} for returning my lease. WHY would I owe money, after they had issued ME a refund check. This is extortion for money that I do not owe, and was told I do not owe. Please refer to the letter I received in my prior CFPB case. I also tried to call the person that wrote that letter numerous times with no reply. Every time I call GM, I am told they will investigate, and I do not hear back, or I get passed around. I do not owe this money, and if GM continues to pursue it, or if my credit gets affected in any way, I will seek legal counsel.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Identity Theft and Failure to Block Fraudulent Information Dear Consumer Financial Protection Bureau, I am filing this complaint regarding a severe case of identity theft and the failure of credit reporting agencies to block and remove fraudulent information from my credit report as required by law.

Summary of the Issue : I discovered that fraudulent accounts were opened in my name due to a data breach involving XXXX XXXX XXXX, which compromised my personal information. When I attempted to access my credit profile, multiple representatives informed me that I was unable to do so, further supporting my claim of identity theft. 

Despite repeated disputes and requests, the credit reporting agencies have failed to update my personal information or remove the fraudulent accounts, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). They have also refused to provide the method of verification for these disputed accounts. 

Violations of Consumer Protection Laws : The credit reporting agencies actionsor lack thereofconstitute multiple legal violations, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification for disputed accounts.

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.
Product: Checking or savings account

Last known bank address named. World saving bank calendar year XXXX. The account belong to XXXX XXXX XXXX last year known to alive was XXXX. The logo, trademark changed around XXXX  year, to XXXX XXXX. 
I XXXX XXXX am the beneficiary of XXXX XXXX XXXX saving account at world saving bank XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX I lost my last bank summary statements around XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting my background that was expunged years ago causing me to not obtain employment from several jobs I have applied for XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX company as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit card

As of our XX/XX/XXXX Statement we were carrying a 0 % APR balance transfer of {$12000.00}. We also had a balance of {$580.00} on the account at 22.24 % APR. 

From XX/XX/XXXX to XX/XX/XXXX we traveled to XXXX XXXX and utilized the XXXX Chase card heavily. Making a payment of {$5000.00} on XX/XX/XXXX to cover the minimum payment due, plus the {$580.00} on the account AND any charges that were made during the month. 

Chase instead applied the payment to the minimum due, then around {$3200.00} ( {$3200.00} in total but some of that was part of the minimum payment due ) to the 0 % APR. Chase stated to me- and is shown in the statements - that they are charging interest immediately on any transaction to the card because of the 0 % APR balance transfer. 

In addition to the payment from XXXX that was misapplied, I also reviewed my XXXX statement where Chase applied {$200.00} above and beyond the minimum due on the balance transfer to the 0 % APR BEFORE applying it to the interest bearing amount. I haven't gone further back in my statements, but I imagine that it likes holds true in prior months.
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. U S DEPT OF EDXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX have all 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.
Product: Credit reporting or other personal consumer reports

Mailed three letters stating I'm a victim of identity theft with police report and FTC report filed multiple disputes on all three credit bureaus called spoke to the branch directly let them know of the situation demanded it immediately be taken off of my credit report and deleted published all necessary documentation of FTC report and filed a police report still nothing done it is affecting my credit and stopping me from purchasing a home. It was a bad check for XXXX that was fraudulent and I was unaware of in 2022 due to the fact of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I will continuously dispute the negative close accounts that were reported on my credit report : XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX XXXX According to the information on my XXXX report, XXXX XXXX - Account XXXX : XXXX has been declared as current since XX/XX/2022. However, I have observed that it continues to be reported by other credit reporting agencies.

Moreover, these 2 collection accounts have no resolution until now. I have not received any communication or information about the validity of the alleged debt that these collection agencies have been continuously reporting.

I am seeking clarification on why this discrepancy exists and request the immediate removal of this inaccurate account from my credit files. It's my understanding that this matter has been addressed, and I expect that the relevant updates have been made accordingly.
Product: Credit reporting or other personal consumer reports

My XXXX  credit report does not update the payments for my Santander bank loan. It says that I have not paid for XXXX. I called Santander and they told me that they passed the information on to the credit bureau. I filed a dispute with XXXX and they did not respond.
Product: Credit reporting or other personal consumer reports

under section 15 usc 1681 i am disputing this debt for these following reasons. this account is not mine the balance being reported is not correct I have no prior knowledge of this account and it does not belong to me Why are you reporting this on my account? FCRA requires all information to be accurate! Please remove this immediately
Product: Money transfer, virtual currency, or money service

hi. i wanted to buy concert tickets to see XXXX XXXX XXXX  on XX/XX/XXXX, XXXX i talked to a girl at XXXX XXXX hoping to buy from her, but she scammed me and my friend out of {$220.00} and she ultimately never gave us said tickets. i've been trying to talk to bank of america since XXXX XXXX, on my account it says the transaction is still processing, but according to specialists i've talked to they said the payment technically went through. i've tried filing claims, but all i've been getting is redirection to different departments. i know there's a law that says i can be reimbursed by my bank.
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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.
Product: Credit card or prepaid card

I applied for secured credit card with U.S.Bank and they withdrew {$300.00} for the deposit despite not approving me for the card. Countless calls and hours on phone with a plethora of small time crooks that make up there customer service have netted zero results. Every person i spoke to gave me multiple fabricated stories, the most recent being that they sent back my money on the XXXX of XXXX and that it must be XXXX that is refusing to credit it back to my account. I was 99 % sure that was a lie when i heard it but went ahead and confirmed with XXXX that that was a lie, they confirmed. We both know they'll never be punished or even forced to stop attempting to defraud potential customers, I just want & need my {$300.00} back, its been weeks already, no ach transfer takes this long. And of course they refuse to provide any email confirmation of any conversations as well as no email i can contact them with