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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charge off account that has been reported on my credit report by XXXX XXXX ( account number : XXXX ). 

I would like to request proof of the debt and its validity, as I have no recollection of ever opening or using this account. Additionally, I believe that XXXX  XXXX may have violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. 

Under the FCRA, it is the responsibility of the credit reporting agencies and creditors to report accurate and verifiable information. If they can not provide proof of the debt and its accuracy, the item should be removed from my credit report. 

I request that XXXX XXXX investigate this matter and provide me with the necessary documentation to verify this debt. If the company is unable to provide such documentation, I demand that the item be removed from my credit report immediately. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Well I made a dispute with Wells Fargo regarding a {$4000.00} transaction with a merchant I made a purchase through but I didn't receive the product as promised so I reached out to the merchant to see if we can come to a resolution of a refund the merchant declined and then cut me from all of the services I have paid for and so I follow it up with Wells Fargo which to make a dispute regarding this issue and I was denied from Wells Fargo about this dispute as of yesterday.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated or deleted.XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

I Received a collection from Convergent for an unpaid XXXX XXXX XXXX bill, I don't have an account With XXXX XXXX XXXX The back of the notice says unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt, this office will assume the debt is valid? I received the notice XX/XX/2021 I googled the company and it seems like this is s scam so I have not tried to reach out to them because i don't recognize the charges. And do not want to deal with a company that is not legitimate in any way
Product: Checking or savings account

XX/XX/year> I called Chase bank to report and claim 2 different transactions, made by XXXX, both are for {$360.00} dollars, giving a total of {$720.00}, which I did not make, because my cellphone was stolen, they did gave me the temporal credit, but they take It back later explaining that the transaction was made with my cellphone, which I mentioned It was stolen, so they are now saying there is nothing else they can do to help me, I called XXXX and I was told to call my bank to solve the problem. So now I have a negative balance in my account and I dont want to pay XXXX dollars that I did NOT use, It was fraud and now I have to be responsible for It? I just dont want to pay what money and have the money what was in my account today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked over my credit file and I noticed some collection accounts that I am not aware of and I do not owe them any money when I try to contact them to get more information I cant even get all the proper documentation but they still try to collect debt from me so I have attached an FTC report to protect me during this manner & I asked that each collection account that i have listed in this be removed from my credit file immediately contact each creditor and bureau and have them remove these accounts now, this is very unacceptable and wrong for them to do FTC Report # XXXX XXXX ( XXXX ) XXXX {$320.00} XXXX XXXX {$15000.00XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX/XXXX  partial account number XXXX. ( Please see page 9 of the attached credit report.  ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this regarding the unauthorized inquiries I found on my Credit Report. The last dispute I sent to the Credit Bureaus was XX/XX/XXXX but I received nothing from them. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and FCRA section 605b, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX Inquiry Date XX/XX/XXXX XXXX-XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX I XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX/XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  ; CHILD SUPPORT ENF AGXXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX Balanced {$230.00} XXXXXXXX XXXX XXXX  XXXX Balanced {$1800.00} XXXX XXXX XXXX  XXXX Balanced {$790.00} XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

Portfolio Recovery Associates is reporting this debt to my credit to which i do not owe .I have contacted them to tell them that I never had an account with paypal and they refused to remove the account from all three credit bureaus. This is in violation of the FCRA is williful as they have not provided me any documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act the list of acounts below has violated my federally protected rights to privacy and confidentiality under 15USC1681. 

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 15USC1681 section 602a States that I have the right to privacy. 
15USC1681 section 604 ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c section ( a ) ( 5 ) States no sonsumer 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. 
15USC1681s2 ( 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: Vehicle loan or lease

I received Loan funding from U.S. Bank for a vehicle on XXXX in the amount of {$4500.00}. 
After weeks of no paperwork from U.S. Bank I went to the branch as was told to go get a 45 day tag, After that expired I was told by the branch to go buy another that the sellers XXXX XXXX had sent the payoff amount to the agency in the sells name and that it had to be reissued. On another trip to the branch i took them a copy of a letter from XXXX XXXX ( the sells agent ) dated XX/XX/XXXX that the title had been released, I was told again that it would just be a fem more days for U.S.Bank to get the title and registration, plates, A month after that letter, with nothing but runaround from the local branch i called the XXXX # for XXXX bank around XX/XX/XXXX, the XXXX # called the branch and then told me the branch said it could be up to XXXX more days, on friday the XXXX I started a e-mail chain with XXXX XXXX XXXX Customer Solutions Specialist | XXXX XXXX XXXX XXXX XXXX XXXX who also spoke to the branch, specifically XXXX, and was told by XXXX, XXXX that XXXX would be going to the XXXX on XXXX today '' the XXXX to get the title, I have not heard from the branch, even after asking for the XXXX # to have the branch manager contact me, I have not heard from XXXX and I have not heard from XXXX XXXX XXXX which leads me to hope that you can help me get the Plates, tags and registration for a vehicle that I can not XXXX XXXX and have made 3 payments on, my XXXX will be due on the XXXX of XXXX and I would like to know how I can put my payments into escrow until U.S. bank has supplied me with all the items listed above. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the account XXXX XXXX XXXX ( XXXX ). They are reporting incorrect information as my car was purchased with Gap insurance. They are reporting incorrect amount. Please send proof of total amount owed after Gap insurance or delete account. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type
Product: Credit card or prepaid card

Today XX/XX/22 I closed my Citizens Bank credit card because of the prior complaint I made about sneaky interest charges. The woman closed my account and did not apply the {$830.00} in rewards I had accumulated! That is wrong and I will NOT stand for it. The nerve of the Office of the Chair to do this without saying a word! Another way CITIZENS BANK KNOWINGLY, KNOWINGLY, TAKES ADVANTAGE OF THEIR CUSTOMERS.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of account XXXX from my credit report due to its association with unlawful and unethical practices by XXXX XXXX and the original creditor, XXXX XXXX. 

XXXX XXXX violated 50 U.S. Code 3952 under the Servicemembers Civil Relief Act ( SCRA ) by repossessing my vehicle during my XXXX military service without obtaining the required court order. This is a direct infringement on federal law and my rights as a servicemember. Furthermore, XXXXXXXX XXXX  business registration in Texas is inactive, and their right to conduct business has been forfeited, making them legally ineligible to report debts to credit bureaus. 

XXXX XXXX subsequently purchased this debt without conducting a proper investigation, in violation of standards outlined in XXXX v. XXXX, XXXX. Additionally, I was never notified of the debt transfer, and XXXX XXXX has failed to provide any correspondence or validation of the debt, rendering their claims baseless and invalid. Their documented history of regulatory violations further highlights their unethical practices in debt collection. 

Given these circumstances, I demand the immediate removal of account XXXX from my credit report with your agency
Product: Student loan

MOHELA will not correct my payment count on PSLF loan forgiveness. I tried to download information but the document was too large so I am sending it to you in the mail.
Product: Debt collection

After reviewing a copy of my most recent credit report, I discovered a derogatory remarked placed on my report by a collection agency named : XXXX XXXX XXXX They are attempting to collect on an alleged medical debt in the amount of {$50.00} the Original Creditor is : XXXX XXXX XXXX. 

I ( Have No Knowledge ) of this alleged debt. In addition to that reviewing my credit report was the first time I had ever seen this information. 

I never received any written notice, phone call or any other form of communication regarding this debt prior to them placing this invalid information on my report. Never allowing the opportunity to dispute this item or request validation, pursuant to the Fair Credit Reporting Act on a debt that has clearly reached the statue of limitation for collection efforts. 

This agency blatantly disregarded the federal law and placed harm to my credit rating without my knowledge. Clearly there is a violation here which is why I pray that your agency will investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have been a victim of identify theft. I responded by adding freezes and fraud alerts with all 3 credit bureaus. In the process of communicating with Experian, I realized that someone representing me has created an account with their email linked to my name and SSN on Experian. What this means is that any time I add a freeze that person has the power to undo this. 

I have called every number I can find for Experian during business hours and have not been able to reach a person. The automated phone system does not respond to my request to speak to someone about this matter and will only let me use their automated system to add or remove a credit freeze. They explicitly tell me they can not connect me with a representative. 

I am left without any option. I know that my credit freeze has already been lifted once, resulting in a fraudulent credit pull with XXXX Bank for a XXXX XXXX Credit Card. I know this because I froze my credit with Experian on XX/XX/XXXX. I called several times to confirm the credit freeze was in place, which the automated system verified. But then a credit pull was made on XX/XX/XXXX and I called Experian today and the freeze was not in place. 


The attachment is a screenshot from experian website revealing part of the email address that is connected with my account. I do not know or have access to that email address.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and recording discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me that the recovering loss funds was impossible and that tracking these transactions is unfeasible. The CFPBs findings indicate that not only Zelle has neglected to protect customers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I have submit Complaint Number XXXX, where I asked to protect me from illegal calls and unlawful reports of I C System Inc, who report FOUR derogatory accounts on me during XX/XX/2019 with the same balance of {$100.00} about the same dept which already hit my credit history on XX/XX/2019. 
ONCE AGAIN. The derogatory account with a balance {$100.00} already hit my credit HISTORY and decreased my CREDIT SCORES in amount 18-20 scores on XX/XX/2019, and I sent you a screenshot of my credit alert about this. 
But I C system didn't leave me alone, and they used that Complaint Number XXXX to illegally know my current address and keep bothering me with their unlawful bills, now through the mail. 
Also, I never saw notifications that XXXX 's FOUR derogatory accounts were CANCELLED, and it never hit my credit history. But I saw increasing of scores for about 18.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX  under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at RXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$170.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question 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 # ( private case number ) 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

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Product: Mortgage

I was on forbearance through the company during the Covid-19 pandemic. I tried to resume payment XX/XX/2021. Flagstar refused my paperwork six times and everytime with a different excuse. I wanted to refinance my home to take advantage of the low mortgage rates. I needed 3 consecutive months of payments. Flagstar held my payments in suspense to keep me from refinancing and discriminating against me. They finally accepted my paperwork once the rates went back up over my current rate. Flagstar lied and said the county did not record my title and they did. They lied and said they did not recieve my paperwork. They also said it was lost and it takes time