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

I checked my credit report today and it shows two hard inquiries. I want them removed. 
XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Soft Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX My former address of XXXX XXXX XXXX is listed as XX/XX/XXXX. This is incorrect. I lived there last in XX/XX/XXXX. 

On the following accounts, it shows the high credit as the same for every month shown. The high credit should be lowered for each month as payments are made. 
1. XXXX XXXX XXXX Account number XXXX shows high credit as XXXX for XX/XX/XXXX through XX/XX/XXXX. 
2. XXXX XXXX Account number is not shown and it shows high credit as XXXX for XX/XX/XXXX through XX/XX/XXXX. 
3. XXXX XXXX Account number is not shown and it shows high credit as XXXX. That is wrong. 
4. XXXX XXXX XXXX that shows no account number and balance is XXXX. Please correct the account number. 


XXXX  XXXX XXXX shows open. It is closed XX/XX/XXXX. Please change it to closed.
Product: Credit card or prepaid card

I recently made efforts to pay off my credit card in good faith that American Express would process my payment respectfully. On XXXX XXXX in sent a little over $ XXXX to American Express using their app to pay off the balance. 
On XXXX XXXX, when my typical auto pay was scheduled, they charged me another $ XXXX. The representative didn't provide answers for how it occurred, but I heard her muttering something about the automatic schedule. My typical automatic payment was between {$100.00} and {$200.00}. I never changed my automatic payment amount, so there is not justifiable reason that they would have accidentally charged me that second $ XXXX. My bank charged me an overdraft fee of {$25.00}, and relocated money from my savings to send American Express. I was punished for the actions and errors of American Express. This practice is clearly intentional, as an incidental duplicate withdrawal would have been of the same value as the previous month. 

This reminded me, that previously, years ago, the same thing happened. I have been a member for 7 years. American Express is not being held accountable for it's own conduct, nor is it taking responsibility for their flawed system. If I removed $ XXXX from their accounts there would be an arrest warrant out with my name on it. This institution is taking advantage of its account holders. 

Though they will return my money to me in XXXX to XXXX business days, that comes too little too late. I have lost my faith in this institution and I will share my experience today with all the XXXX XXXX XXXX XXXX XXXX and all of our shared friends.
Product: Money transfer, virtual currency, or money service

I am expressing my concerns regarding zelles handling of disputes particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent to my credit report a request to removed the inquiries off from my credit report.

I did not have any authorization to run my credit with all these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to contact Equifax for my report. Since XXXX I have been getting unable to deliver online. This year, XXXX, I was turned down for funding because of the Equifax report. I attempted again to get my report, only to get same decline online. I made several calls and can not get to a human. I called on XX/XX/XXXX to obtain a credit report through the automated system ( since its the only thing I could do ), and recording stated it would be up to 15 days to get the report. That would have been XX/XX/XXXX ( not including weekends ). Today is XX/XX/XXXX and no report. This is unacceptable for this company. They have also broken the federal law by not providing me with my report and I requested it.
Product: Debt collection

On XXXX I mailed a typed letter to Portfolio Recovery Associates to politely inform them that my company did not permit personal phone calls and to request they stop calling my workplace immediately as their contact could possibly imperil my job. 

Since them I have received a call on XXXX from XXXX, one on XXXX from XXXX, and one on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Transunion MANY times for validation of proof for the XXXX/XXXX account on my credit report. They only submit it is validated and have yet to provide any proof of the account. I have yet to validate this account belongs to me therefore they are in violation of the FCRA and needs to be removed immediately
Product: Credit reporting or other personal consumer reports

XXXX : Complaint Against Credit Reporting Agencies for Failure to Respond and Correct Personal Information** To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies : [ Name of Credit Agency 1 ], [ Name of Credit Agency 2 ], and [ Name of Credit Agency 3 ], for their failure to respond adequately and correct inaccuracies in my personal information on my credit report. 

1. **Description of the Problem : ** On XX/XX/2023, I discovered inaccuracies in my personal information on my credit reports. The issues include [ list specific inaccuracies, such as incorrect name, address, or accounts ]. These errors are not only misleading but also have the potential to negatively impact my credit score and financial opportunities. 

2. **Steps Taken for Rectification : ** In an effort to rectify these inaccuracies, I contacted the aforementioned agencies on XX/XX/2023 and provided them with the necessary documentation to correct my information. This included [ list the documents provided, such as identity proof, address proof, etc. ]. Despite my efforts and provision of adequate evidence, the agencies have failed to respond or make the necessary corrections. 

3. **Impact on Me : ** The lack of action from these credit reporting agencies has caused me significant distress and potential financial harm. The inaccuracies in my credit report may affect my ability to obtain loans, secure housing, or even gain employment, as these reports are critical to these processes. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and help in resolving these issues promptly. I am willing to provide any further information or documentation as required. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX  for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. Until XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and XXXX XXXX  continues to report this unauthorized account. I will file for litigation for actual damages caused and XXXX XXXX  will be held criminally liable for aggravated identity theft pursuant XXXX XXXX XXXX XXXX extortion, theft by deception and securities fraud. XXXX XXXX is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX was attached to this said XXXX XXXX  account and Experian customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required. Account # XXXX
Product: Checking or savings account

A Chime account was opened in my husband 's name, using my email address, without our permission. Our credit is frozen, so this should not have happened. However, Chime apparently does not check credit when opening accounts. They " apologized for the inconvenience '' and closed the account. However, their irresponsible business practices are what caused this problem in the first place. As we searched for info to make sure it wasn't a scam, we learned that people opening false accounts through Chime is a pervasive issue.

In addition, their solution for removing my email address from their database was to change it by adding XXXX XXXX 's to the end. Changing an email address and hoping that one has the modified address is not the same as removing an address from their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that was supplied. These items are inaccurate. In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX via 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 XXXXXXXX XXXX XXXX, US SM BUS ADMIN ODA, have 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 an account without my written instructions.
Product: Debt collection

This complaint is regarding XXXX XXXX XXXX, a service company contracted by Citibank. 
On XXXX around Noon, I called Citibank about my Costco credit card as I was not able to obtain a statement or account status through the website, it stated only to Contact Us. 
I called the provided number, XXXX, and the automated system when requesting to speak with an agent transferred my call to a third-party debt collector, XXXX XXXX XXXX XXXX 
An agent XXXX XXXX answered the call and informed me of the pre-charge-off status, full balance over {$13000.00}, and the almost {$4000.00} that was unknowingly due on XXXX. I informed him I lost my job last XXXX and wasn't able to make a {$4000.00} payment. He then hung up on me. I called back and got XXXX again and told him how upset I was handling the call and he transferred me to the XXXX XXXX XXXX. I'm not able to communicate about my account at all at this time due to this individual.
Product: Credit reporting or other personal consumer reports

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  Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable.

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute.

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process.

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Student loan

I have called MOHELA Several times and was not able to speak with anyone from the Loan Servicer the recording indicates there call volume is extremely high and is unable to take any calls at this time, I have been trying to confirm if they received my PSFL paperwork from my employer who is non-Profit for Public Student Loan Forgiveness. I have worked for almost XXXX. The recording for MOHELA indicates they have a high call volume and is unable to answer your call the wait time is XXXX XXXX and XXXX XXXX however that does not help when you are trying to speak with some-one about loans and no one is available, which is unacceptable.
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to find inaccurate accounts on my credit report, and I can't fathom how this happened. I routinely check my credit report, and this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was just a glitch, but the inaccurate accounts remained. This issue is deeply concerning, and I request a thorough review of the documents Ive submitted to ensure I can put this behind me once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX, XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$450000.00} XXXX XXXX Balance : {$620.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$700.00} - XXXX XXXX XXXX  XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$630.00} - XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud 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. Please remove these items. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$470.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Product: Debt collection

I have no knowledge of who this company is or what this debt is. I have never received a letter or a telephone call from this company that I owed this debt or that it was being reported to the credit bureaus. I didnt receive any notices of my rights to dispute or any any information to verify the debt which is a violation of FDCPA 809 ( a ). This debt just popped up on my XXXX, XXXX and. XXXX credit reports as a collections account. Therefore I am requesting that it be removed from all of my credit files immediately.
Product: Debt collection

In XXXX 2019 I sent Peter Roberts a Validation of Debt Request and 93A Demand notifying them they are in violation of 209 CMR 18.17 Unfair Practices and 940 CMR 7.07 General Unfair or Deceptive Acts or Practices in that they are illegally reporting under their own name on a Massachusetts consumer credit report regarding an alleged medical debt. 
I stated I did NOT allow them to access my medical records and any proof of the claim would have to come from the medical provider directly. They replied with insubstantial " validation '' of their claim and ILLEGALLY accessed my medical records sending me statements directly with descriptions of my personal medical history. 
I sent them a second notice via certified mail in XXXX informing them of the HIPAA violations and the fact that they continued to report illegally. They ignored these documents. I sent them a third notice XXXX 2019. They continued to ignore attempts at communication and resolution. 
I would like this account immediately removed from my credit reports and Peter Roberts investigated for illegally accessing consumer medical records.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

Credit reporting agency is reporting an account XXXX Mortgage. However, the creditor is unable to locate an account for me. Please see attached letter from XXXX Mortgage. There is also a collection account XXXX XXXX XXXX for the same exact account. XXXX accounts have a past due balance. Experian is reporting XXXX of these as XXXX separate debts.
Product: Debt collection

I am requesting the proper documentation showing proof of a debt purchase. I understand that the Federal Trade Commission is explicit on debt purchase arrangements, where such proof can not be just a letter from the original creditor. If proof is not certain, then my rights are still in play under the Fair Debt Collection Practices Act. At no time was I even given proof of transfer from XXXX XXXX XXXX of an actual purchase of the {$1100.00} credit card obligation. If I do not receive such proof within the next 30-days, I will take the position that XXXX XXXX XXXX is operating as just another collection agency, not a debt buyer. The XXXX v. XXXX XXXX XXXX decision from the United States Supreme Court in XXXX of 2017 is causing problems in the debt collection industry, where debt collectors are now classifying their organizations as debt buyers without proper protocol.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$61.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 


-- PERSONAL ACCOUNTS 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.