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

I been trying to dispute inaccurate information being reported on my credit report with equifax, but they have failed to properly investigate and validate inaccurate information on my credit report.
Product: Debt collection

XX/XX/XXXX : {$1200.00} fraudulent and unauthorized charge ( dated XX/XX/XXXX ) was first reported to the Credit Card Customer Service phone line as soon as it was first discovered when I received the credit card statement ( XX/XX/XXXX closing date ) XX/XX/XXXX : Written notice of the discovery of this fraudulent and unauthorized charge sent on XX/XX/XXXX to Credit Card Services via US Postal Service Certified Mail XX/XX/XXXX : Received written notice from Credit Card Customer Service ( dated XX/XX/XXXX ) that they are investigating fraud claim. 

XX/XX/XXXX : Received system generated letter from Security Operations dated XX/XX/XXXX that they deny they claim of unauthorized use, and have rebilled the charge of {$1200.00}. 

XX/XX/XXXX : Also received credit card statement ( XX/XX/XXXX closing date ) showing the rebilling and requesting full payment of the {$1200.00}. 

XX/XX/XXXX : Called Credit Card Customer Service phone line, who could only confirm that the charge was rebilled to account, and could not take further action. 

XX/XX/XXXX : Called Credit Card Security Operations who only responded that their internal investigation was closed, that they deny my claim of unauthorized use of the account, and that the charge is rebilled and payment expected. 

XX/XX/XXXX : Written notice sent via US Postal Service Certified Mail that I disagree with their assertions. My position is still that the {$1200.00} charge dated XX/XX/XXXX is both fraudulent and unauthorized. I am the only authorized user on that account, I never set foot in that store on any day in XXXX, and I did NOT authorize or execute that charge. 

XX/XX/XXXX : Filed initial complaint via Consumer Financial Protection Bureau ( CFPB )
Product: Payday loan, title loan, or personal loan

I have been paying the minimum or more every month and had no late payments this year. Nonetheless my balance is going up rather than going down each month. 
XX/XX/2023 -- {$14000.00} XX/XX/2023 -- {$14000.00} XX/XX/2023 -- {$14000.00} Additionally, the site states that I have paid {$320.00} in interest in 2023 and {$570.00} toward the principle of the loan for a total of {$900.00}. In fact I have paid a total of {$1400.00} plus an ACH charge of {$5.00} for each on line payment. 

I have tried to contact someone at the company and there is no option to reach a real person. I have also sent a letter with no resolution to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$510.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$800.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$6300.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00}
Product: Credit reporting or other personal consumer reports

I Do not recognize these credit inquiries. I've ask and pleaded with Experian to have them removed. I did not get any kind of help. I am also providing a copy of a Identity report attached with my FTC Report number. I am requesting that the Inquiries be removed because inaccuracies and not mine. 

Inquires 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 FTC directed me to CFPB being that I have a file active..
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the loan in full XX/XX/2019. The company refuses to update my credit report. I have asked several times by email and they either dont respond or tell me it can take 45 days or longer. When I disputed the balance due and last payment made in my credit report with the 3credit reporting agencies I was told that Rise Credit insisted I had a large balance and that my last payment was in XXXX rather than indicate the loan had been paid in full.
Product: Credit reporting or other personal consumer reports

Accounts PORTFOLIO CAPITXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX PORTFOLIO XXXX XXXX This inquiry is not mine XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of ID theft and Midland Management will not remove this inaccurate information
Product: Credit card

On XX/XX/XXXX - purchased son 's bed mattress from Ashley Furniture in XXXX, Indiana XXXX for a total of {$850.00}. I chose the promotional financing for six months with no interest from Synchrony Bank. I applied for the card and was immediately approved and a card was sent to my address. 
Somewhere between XX/XX/XXXX - XX/XX/XXXX - My mail was stolen from my mailbox. I filed a police report with XXXX Police Report and spoke with the XXXX and confirmed that there were reports of mail theft. After investigation, I determined that my new passport, XXXX registration, letter from nephew in military, and new Ashley furniture card were stolen. I even purchased a locked mail box to prevent any further mail theft. From XXXX, I can confirm the passport was stolen on XX/XX/XXXX. 
XX/XX/XXXX - I noticed unauthorized/fraudulent purchases on my account and reported this to Synchrony Bank and they removed the purchases and sent me a new card and were going to investigate the fraud. 
XX/XX/XXXX- received an email/letter denying my fraud claim because they believed the items were shipped to my home despite ever requesting any more information such as police report or giving me information on these fraudulent purchases. 
XX/XX/XXXX- Synchrony Bank reopened the fraud investigation. Called for more information which detailed letter and attachments including police report, photos of my home, photos of where XXXX delivered fraudulent purchases to, receipt of actual purchases, receipt of locked mail box were sent to the fraud investigation by mail and fax. 
On or about XX/XX/XXXX - After receiving all this information, Synchrony Bank denies the fraud claim again and fraudulent purchases are added back on account. 
On or about XX/XX/XXXX - pay off entire account including fraudulent purchases. Due to Synchrony Bank 's inaccurate and false conclusion related to fraud, do not want to pay/spend another dime with them. 
On XX/XX/XXXX, I call synchrony bank to close account.
Product: Credit card or prepaid card

I noticed that my most recent credit report contains a late payment reported on XX/XX/2018 for my CAPITAL ONE, N.A. account. 
Because of my exceptional payment history over the last 11 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that CAPITAL ONE, N.A. is willing to work with me on erasing this mark from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Attn : New Complaint : Thus is not a duplicate Subject : Complaint Against Trans Union for False Credit Reporting and Antisemitism/Discrimination Violations Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Trans Union regarding false credit reporting and potential violations related to Antisemitism/Discrimination. The details of my complaint are as follows : XXXX. **Disputed Account Information : ** On XX/XX/2023, I conducted a review of my Trans Union Credit report XXXX File Number : XXXX ) and discovered inconsistencies regarding the XXXX XXXX Acct # XXXX. Despite earlier indications of being updated and deleted, the account still reflects as a collection on my recent report. 

XXXX. XXXX Complaint : ** I have already filed a complaint with the Federal Trade Commission XXXX FTC ), under reference number XXXX, against both Trans Union and XXXX  XXXX. Unfortunately, my attempts to resolve the issue by contacting both parties have been unfruitful, as each directs me to address the matter with the other. 

XXXX. **Discrimination Allegations : ** I strongly believe that this prolonged dispute is a form of discrimination based on my gender, religion, and minority status. This discriminatory practice has adversely affected my credit score, which, given my extensive positive credit history, should be in the XXXX. The unjust retention of this adverse/derogatory account has resulted in an artificial decrease in my credit score to the XXXX. 

XXXX. **Negative Impact on Life : ** The inaccurate reporting by Trans Union has had a detrimental impact on my life, affecting my financial opportunities and well-being. Despite a history of responsible credit management and payment of substantial amounts, the persistence of this single adverse account is unjust and damaging. 

XXXX. **Consumer Rights Protection Request : ** I am seeking the intervention of the CFPB to protect my consumer rights against this type of Antisemitism and discrimination. I request a thorough investigation into Trans Union 's credit reporting practices and corrective measures to ensure accurate and fair reporting. 

**Consumer Information : ** Name : XXXX XXXX I appreciate your prompt attention to this matter and look forward to a resolution that rectifies the false credit reporting and addresses the alleged discriminatory practices. 

Sincerely, XXXX XXXX
Product: Debt collection

15usc 1681 ( e ) B Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

This debt is consider charged off status lender sent a 1099c to cancel or forgiven this consumer income can not be report on a consumer report .lender filed on their taxes as a discharge debt .please remove this debt off my consumer report .this debt is now taxable income.
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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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: Money transfer, virtual currency, or money service

Crypto scam - I wired money to my XXXX account then wired it to the XXXX account as ETH with a code that the online customer support gave me. That is a scamming website that I have reported and they're withholding my funds until I pay taxes upfront instead of it being deducted from earnings. after some research I found out they're not the legitimate XXXX website but XXXX which is a scam. My bank Chase is unable to retrieve my funds. Please help me I have invested {$11000.00} in to this XXXX website.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and tracking these transactions was unfeasible. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts Ive marked inaccurate ; Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX, XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries list on my report from Experian XXXX XXXX in partnership with XXXX XXXX. I have written XXXX XXXX in XXXX, XXXX, requesting to remove credit inquiries. They did not respond. 

I wrote to Experian in XXXX, XXXX, that I did not hear from XXXX and requested all unauthorized inquiries that are listed below, as Experian XXXX XXXX be deleted. They have not responded. 
The dates in question are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/21 i Applied For the Promotion deal through PayPal For Venmo. To register was a {$10.00} deal to open an account i did that various amounts of time and still no {$10.00} in my Paypal account. Can someone please fix this
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX  XXXX. 
HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts on my credit report for years to no avail. These accounts are closed, statue of limitation expired, and been paid off and its still showing a balance on my credit report. These accounts should be off my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Funding. Thanks so much for your help in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was making a transfer from Venmo to my checkings bank account. I have {$4900.00} US dollars in my Venmo Account that I was transferring to my bank so I can pay my bills. Venmo had declined the transfer and locked my account with the money in it and will not answer to emails in over 3 days. This money was supposed to pay for my monthly bills, now I am going to be either overdrafted, charged interest, or fined because they are holding my money hostage on their app. I rarely use this app and have all my personal information and documents ( such as proof of identification ) uploaded so they don't suspect any suspicious activity. There is no reason why they should suspend my account with this much funds in it. I've only received an email stating that in order to lift the suspension on my account, I must reset my password. I did this immediately, but my account is still suspended, and still no replies from their support team. I desperately need my money back and I'm worried I will fall behind on my payments if I don't get it within the next 24 hours. Please help me.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you, though regrettably, it comes amidst an ongoing and concerning issue. I am writing to express my escalating dissatisfaction with the persistent challenges I have faced in attempting to remove fraudulent items from my account with your company. 

The presence of fraudulent items not only compromises the security of my financial information but also erodes the trust I have placed in your company 's services. Despite my multiple attempts to address and rectify this situation, the lack of resolution is both disconcerting and unacceptable. 

I implore you to conduct an immediate and thorough investigation into the fraudulent items on my account and take decisive action to remove them without further delay. Furthermore, I seek a comprehensive explanation for the persistent challenges in addressing this matter and a commitment to implementing preventative measures to safeguard against future occurrences. 

Should this matter not be resolved withinthe exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

its been over 2 years since chase has placed a hold on my account and everything is changing every time i call. they tell me something different. they also told me i need to bring the maker to the bank. the deposit was never return it was never fraud nothing. i called today and its still the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX  XXXX My phone number is XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting XXXX XXXX  Account number # XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry Date XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently pulled a copy of my credit report and noticed the following information are in error. 
Credit Inquiries The FCRA states that the only permissible purpose for pulling someone 's credit report is Firm offer of credit XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and Fact Act Free Disclosure Please remove these inquiries from my credit report immediately. Thank you.