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

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was the dates. Hours between XXXX p.m. Phone calls was made to creditors and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I disputed a credit card account on my Equifax credit report, because I assumed it should be reporting as an installment loan instead of a credit card. The creditor has verified that it should report as a credit card and no changes should be made. Someone at Equifax has removed the ENTIRE account from my credit report WITHOUT my request or the creditor request! 
I demand Equifax place this account back on my credit report and it's {$0.00} balance. 

I have contacted the creditor and received a letter to send to Equifax to report the account. 

XXXX Account Number : XXXX
Product: Vehicle loan or lease

I wasn't able to work due to the pandemic and when the benefit payments stopped I couldn't continue to make payments on the car loan and the Loan Company came to repossess my car. Now I don't have the car to work even when I get work and I am liable to still pay for the car. It's just not faceable and I believe this financial company have been unreasonable putting me in a very difficult situation.
Product: Debt collection

Resurgent Capital Services is repeatedly attempting to collect 3rd party debt operating in XXXX, South Carolina.I am receiving new call and mail from Resurgent Capital Services on Debt from 2003. Statue of limitations is long gone. They are using their affiliate or associate XXXX for collections. XXXX  needs to stop taking my old accounts and contacting me.
Product: Credit reporting or other personal consumer reports

I told XXXX XXXX  that I needed a 1099 C so I could get this off my credit report and it was not sent. I also informed them that the amount on my credit report is incorrect if it was written as a charge off which I have proven documentation.
Product: Debt collection

ELAN SHOWS UP O  N MY CREDIT REPORT.
THIS IS NOT MY ACCOUNT!     SEEMS TO BE FRAUD.
Product: Credit reporting or other personal consumer reports

Tried to unlock TransUnions credit lock on my file to get a loan. Would not let me access the site. Tried calling and the prompts wouldnt work. Then tried to access My True Identity site which is monitoring my credit and each time I log on, it shows a blank page.
Product: Money transfer, virtual currency, or money service

At the beginning of XX/XX/2022 I received a check from XXXX XXXX  which is a XXXX XXXX XXXX XXXX. They went out of business so they sent me a {$21.00} check and I deposited it at Huntington bank and when XXXX XXXX XXXX went to cash the check Because they are the issue were of the {$21.00} check account for coastal XXXX XXXX, they bounced the check to HUNTINGTON and falsely claimed the check had been altered, I have proven to them through statements from the bank saying that I would get {$21.00} back along with emails from the bank showing my statement of {$21.00} owed to me so I have proven that the check is in fact valid HUNTINGTON intern closed my account the day my XXXX was deposited and I have no way to get my entire month salary because I live three hours away from the nearest Huntington bank and they wont give me back my money theyve locked up every cent I have and I have locked up my Social Security as well because XXXX XXXX XXXX made an error or lied about a {$21.00} check so XXXX XXXX XXXX also owes me {$31.00} for the amount of the original check plus {$10.00} and HUNTINGTON fees. They also are liable for any late charges that I may incurred due to my Social Security just being missing now because HUNTINGTON decided to close my account based on XXXX XXXX XXXX word that I altered a check. So this complaint is actually against both Huntington bank and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX. 
Was disputed & challenged in XX/XX/2019 with Experian. However, the company has responded that the funisher has verified this account, Without providing methods of verification as requested. This is a violation. 

Experian is currently reporting XXXX XXXX XXXX with a payment history after account has been closed and placed in collections. This is a violation. 

Experian does not report the last date of payment received. A violation
Product: Credit card or prepaid card

In XX/XX/XXXX I received an alert that a recurring charge had posted to my credit card with Discover.  I immediately called them to dispute the transaction and obtain more information about the merchant. I called the merchant, they confirmed my card was set up for an account I do not own nor have any billing responsibility to and the account belonged to my ex boyfriend who clearly was using my card information. Discover provided a credit for the charges and I told them I'd file a police report. I did file a police report with XXXX XXXX Ohio XXXX XXXX. and case was assigned to XXXX XXXX. 
Now, Discover called me today XX/XX/XXXX and stated they are going to reverse the credit they provided to me as they are considering it a civil matter since the account belonged to my Ex Boyfriend. I have TWO authorized users listed on my account, NEITHER are my Ex boyfriend, if I was going to allow him to use my credit card, I would have added him onto my account as a user.
Product: Money transfer, virtual currency, or money service

My account was frozen hat information was giving out was not able to reach customer service to resolve this problem
Product: Debt collection

Some one fraudulently signed my name to an apartment and did n't pay the rent .They went to court and even paid a payment of XXXX towards theXXXXXXXX I asked for proof of signature and he said he did n't have to show proof..I told them it was fraud and to delete it off my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

Unauthorized Inquiry ( TransUnion ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

We called M & T Bank on XX/XX/XXXX to request that our auto-pay be canceled as we were closing on our house in a few weeks. I was told it was not necessary to make the XXXX payment as they would have the paperwork from the title company providing proof that we were under contract and preparing to close. Despite what they told us, they reported a 30 day late payment and although we have made a payment immediately upon discovering this, they refuse to assist with removal of delinquency from my credit reports or even provide a letter for my lender. I even asked for the proof that they told us we had to make the payments ( even though they told us otherwise ), but they refuse to do that either and instructed to their lawyer ( whom they also refused to provide contact information for ). Not only am I a XXXX XXXX, but I have a longstanding history of paying my mortgage on time.
Product: Credit reporting or other personal consumer reports

I have submitted serval dispute letters on the following inquiries on my credit report that are currently harming my financial profile. 

XXXX XXXX account opened on XX/XX/XXXX and has a balance of {$3700.00}. This account is incorrectly being reported as a charged-off account with a balance due. 

XXXX XXXX account opened on XX/XX/XXXX and has a balance of $ XXXX dispute the missed payments and late payments on this account. 

XXXX XXXX XXXX  Revolving account was opened on XX/XX/XXXX and had a balance of {$5200.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. 

To rectify this matter, I have taken the necessary steps, including reporting these discrepancies through IdentityTheft.gov, and have attached the Federal Trade Commissions Identity Theft Report for your review. I kindly request that you investigate these accounts and inquiries thoroughly and remove any items found to be inaccurate or fraudulent.Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter. 









Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Debt collection

I was a victim of identity theft several years ago. It became so bad I elected to sign up for XXXX XXXX to hopefully prevent this from occurring and also added credit freezes on my credit reports. It still occurs approximately every 6 months and always a cell phone company or cable company. The latest incident occurred when I received a notice from XXXX that there was collection notice on my credit report. This was from CREDENCE RESOURCE MANAGEMENT. I have never heard anything from this company ; no letters, no phone calls ; nor any email notices- they simply filed a collection notice against my credit. This same tactic has happened in the past more than once. This happened on XXXX day as the collection notice appeared on XXXX XXXX. I have filed disputes on all three agencies as this is clearly NOT my account and due to this collection notice, my credit score dropped approx. 60 points. This needs to stop.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a phone line account opened with XXXX XXXX on XX/XX/2022 under the account number XXXX, a credit card account with XXXX XXXX on XXXX with account XXXX and fraudulent auto loan account opened with XXXX XXXX XXXX XXXX on XXXX under the account XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Here is a list of the hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned 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 mentioned 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  ( XXXX ) as proof from the US Federal Trade Commission that all of these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Contacted Nationstar. Also contacted XXXX about modification documents never filed with county and transferred to Nationstar
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at around midnight I participated in online gambling via XXXX XXXX and XXXX app. I won and requested a transfer of {$200.00} into my account. When I woke up on XX/XX/XXXX at XXXX I checked my account and the funds had been successfully transferred into my Wells Fargo account. I used my card throughout the day with no issues. On XX/XX/XXXX I got an email that my account was overdrawn. I checked my account and the {$200.00} had been removed. I contacted my bank who told me they had no trace of the deposit and XXXX XXXX and XXXX canceled the deposit. I contacted XXXX XXXX and XXXX and they sent me documentation showing it was approved on their end and closed out. They stated they do not have the option to cancel transactions after they are processed. I called Wells Fargo again and they said there was nothing for them to do or investigate. {$200.00} of my money is missing and neither company is trying to help me. I had to borrow money to make my account current and that is not fair because I had money. Fraud is taking place and I need help.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX IS XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Provided this company with a permissible request and cease & desist.

However this company is still reporting to all consumer agencies which is a medium of indirect communication. This company does not have validation of this allege Debt according to 15 U.S. Code 1692g - Validation of debts all collection activities is to be ceased until validation is proven!

15 U.S. Code 1692g - Validation of debts, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor
Product: Credit card or prepaid card

On XX/XX/XXXX with my Chase Sapphire credit card account I redeemed my rewards points for a flight for myself and another passenger from XXXX to XXXX with the travel dates of XXXX XXXX XXXX. This redemption costed me XXXX points, for a value of {$680.00}. Due to XXXX, my aforementioned travel plans were cancelled and Chase emailed me stating " We have issued an airline credit for your flight ... the details will be emailed to you in a confirmation email ''. This flight credit or confirmation email was never issued to me, and several of my attempts to discuss this matter with Chase to claim my travel credit has failed due incompetence of this subject matter by their rewards department. Each trip advisor and supervisor state they will call or email me within XXXX days with a resolution to this case, however I do not not receive any correspondence beyond the XXXX day timeframe given. I will then reach out to Chase after several days, but get the same go-around. After many unsuccessful attempts to resolve this directly with Chase, I would like to file a complaint so this problem can be resolved. I have all appropriate documentation to support my claims and will be happy to provide these upon request. 

*On a side note, XXXX Chase representative claimed my travel credit would likely have expired because it is beyond XXXX years since booking, but my refute to this is that XXXX and XXXX did not reopen their borders for international travelers until XXXX, XXXX, so I would not have been able to use it during that XXXX year window regardless. Since the borders have reopened for foreign travelers, I have been trying to reclaim my credit with Chase, but without success and would appreciate your department 's assistance. 

Thank you, XXXX
Product: Money transfer, virtual currency, or money service

bitcoin taken from acct without my permission. I even had two factor authorization at blockchain.com
Product: Money transfer, virtual currency, or money service

I am writing to express my issues regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit which talk about significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They told me that recovering lost funds was not possible and that tracking those transactions was not possible. The CFPB 's lawsuit shows that Zelle has not only neglected to protect us the users but has also allowed offenders to exploit the system multiple times, which leaves us vulnerable to scams. Zelles lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety if their money and information.
Product: Credit card

I was not properly notified of the delinquency in this account. I was under the impression that I had paid the accounts off. It is possible that the later charges on the account were fraudulent. I learned of the delinquency of this account when I was notified by the IRS that my tax refunds would be offset for a federal debt. This account has been paid in full since 2014.