23daVinci/CFPB_Complaints huggingface dataset:
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correctXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account appears on my credit report and does not belong to me. I would like supporting documentation showing that this account belongs to me or I want this removed right away. I have not received any cooperation with this company in assisting with either request
Product: Checking or savings account

I contacted customer support numerous times within this week about my account being suspended. I did send my ID to verify that I am the owner of the account, was told that they have received my identification but they have not unsuspended my account so that I can access my funds.
Product: Credit reporting or other personal consumer reports

Transition Contacted XX/XX/XXXX via phone but they weren't not helpful with removing the unknown inquiries from my credit report. 

Hard inquires 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 Contacted XX/XX/XXXX via phone but they weren't not helpful with removing the unknown inquiries from my credit report. 

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: Money transfer, virtual currency, or money service

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

On XX/XX/2023, XX/XX/2023 and XX/XX/2023 I mailed a certified notarized affidavits to XXXX XXXX XXXX XXXX Chase Bank and XXXX XXXX stating that I never gave their companies consent to share my personal information nor I was not provided with proper disclosure and for that reason I am a victim of identity theft. I have reached out to the respective companies letting them know that I am aware of their improper use of the sharing of my private information without my consent and in fear that they could be using my information for marketing purposes numerous of times with no proper response.
Product: Credit reporting, credit repair services, or other personal consumer reports

K I did apply card but never used someone else did and now I owe it's not mine stolen or taken and used want removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charge off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

XXXX is still reporting a monthly payment and balance for this account and Equifax and XXXX is not. They are also reporting inaccuracies pertaining to the open dates. XXXX is reporting this account was opened on XX/XX/XXXX and XXXX and Equifax is reporting XX/XX/XXXX. They are also reporting inaccuracies concerning the last active dates. XXXX is reporting XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax XX/XX/XXXX. Lastly, they are reporting different report dates. XXXX is reporting XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax XX/XX/XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau XXXX, XXXX and Equifax has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Product: Credit card or prepaid card

I used my American Express card and American Express travel to book a hotel room for my XXXX XXXX XXXX father. My father called me today, my brother is in the hospital with XXXX failure. Understandably, my father needs to cancel his trip due the severity of this situation. The hotels cancellation policy is 72 hours. The hotel saw my reservation and said American Express should not charge me a penalty to cancel since I called within the allowable time. The hotel was very compassionate and understanding. American Express was not at all compassionate or understanding. American Express said the penalty is XXXX night stay. They charged me double this. Ive had two phone calls with American Express. I have spent almost 2 hours on the phone. I feel totally helpless. The hotel really tried to help. They said American Express is wrong and they have done this before to others. I cant believe a firm like American Express can take advantage of people like me. Its bad enough my family is dealing with a health crisis. American Express has made this worse.
Product: Checking or savings account

XXXX : couldnt access Citibank accelerated savings info. It had just disappeared from my online accounts list. 
XXXX  : spent hours in the automated system trying to connect to a representative without having access to my account number. Rep said that it was flagged for fraud. 
XXXX : access to all of my Citibank online accounts is restricted. Cant see my credit card now either. Have not received any emails, texts or usps mail about any of the accounts. Spent hours again trying to get an actual human representative. Got transferred between departments and hung up on. Finally got someone that could tell me fraud resolved their case and has chosen to close my savings account. I may or may not receive a check for any money that belongs to me ( {$6500.00} from tax return has been transferred to there from my external checking ). Supposedly I still have access to my credit card. Credit card dept says I need to clear up my Savings issue first.
Product: Checking or savings account

Earning being withheld which is leading to late payment on my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 


These accounts should not be furnished on my consumer report as they are in VIOLATION Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

XXXX XXXX University is very Incompetent and I believe have some fraudulent practices in processing student financial aid. They are claiming that I owe them close to 3,000 which I am unsure for what. At the time I was receiving Federal Financial Aid Assistance and Federal Student Loans. Therefore my Financial Aid should have satisfied my payment for classes. They have sent me 3 different statements all of which has the same date ranges but all have a different amount that is due. I have repeatedly asked for a Full Accounting Statement showing all aid and all payments since I started school there but have not received them. I was enrolled in my last class for receiving my XXXX XXXX XXXX and had to a leave for an family emergency. I approved me for the leave but when it was time to re-enroll in my class they would not allow me to enroll. Although this class was already paid for by my Financial Aid & Federal Student Loans.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( credit card ) has fraudulent accounts that are showing up on my credit report that should be removed immediately. There has also been numerous hard credit inquiries that I did not give consent for.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at XXXX  XXXX at XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone number : ( XXXX ) XXXX for 3 leases. Almost 34 months.. 

.. At the end of my 2nd year/lease I was approved to move/transfer to another unit in the complex, they apparently evicted me without my knowledge, instead of just clicking one button and doing a transfer. XXXX was the year in question. I had my lawyer reach out and the building admits I was NEVER evicted. The building fully admits I was NOT EVICTED and wrote a letter to my new renter.. unfortunately, this doesn't help very much at all. It needs to be removed from my report. And they just don't seem to care. None of the credit agencies or this complex who collected 3 years of rent on time only to evict me falsely.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I got financed with XXXX XXXX XXXX they are located In California. I got the car XX/XX/XXXX. In XX/XX/XXXX, the loan was Paid Off. I was XXXX from my job of 18 years. XX/XX/XXXX & XX/XX/XXXX, paid late. It is Now XX/XX/XXXX, years later. I have hired XXXX XXXX XXXX and hired XXXX XXXX for years. I Mailed Many Many Certified to XXXX XXXX, with No Response! No Luck getting the Negative Derogatory Mark, impacting my Fico Credit Score. Please Help! Thank You.
Product: Checking or savings account

My Costumer pay me with a business check ( {$760.00} XX/XX/XXXX XXXX XXXX ) I deposit it by photo in the only bank I have. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX take out the {$760.00} by posting error I try to fix this with XXXX XXXX, XXXX XXXX XXXX, Wells Fargo and The Police Wells Fargo account # -- XXXX accept a ATM deposit and negociate it with XXXX XXXX XXXX. ( I never have an account in Wells Fargo ) So Wells Fargo accept to deposit a Business check in a personal account that dose n't fit the check 's name. ( does anybody can deposit a check without verification? )
Product: Credit reporting or other personal consumer reports

I would like to dispute several inquiries made through XXXX & Experian in XXXX & XXXX of XXXX. Education loans from XXXX  XXXX, I have never attended a college in XXXX. XXXX services my student loans in Louisiana. Auto loans from XXXX incorrectly reported as repossessed but the account was paid off & closed in XXXXXXXX XXXX XXXX card incorrectly reported as {$700.00} balance when this was closed & reported as {$0.00} balance in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX - I would like to dispute the 4 CLOSED student loan accounts and my personal information, including outdated time-barred inaccurate names, addresses, and employer. I have attached a letter detailing the disputes along with supporting documentation. Thank you
Product: Credit card

Hello Barclays representative, I hope you are well. Now, the gist is, I do not have a credit card with Barclays, never applied, nothing. I called in XX/XX/year> to report that the credit card XXXX I have with you was ID theft. You did your XXXX investigation ... and did not contact me afterwards. It has been XXXX  months. Got mail today, saying that I have a overdue balance etc. I have attached the FTC report. Remove all balances and fees that have occurred as you can not fight the fact that the FTC negates all of your investigation, that went horribly wrong because your fraud agent on XX/XX/year> told me that the agent who handled the investigation found it ( do not deny this as the phone call was recorded ), that it was an INFLIGHT APPLICATION with an XXXX XXXX flight attendant requesting physical driver licenses. I have friends from the executive team at XXXX XXXX, they know I do not fly XXXX XXXX, I fly XXXX XXXX, which means this card doesn't benefit me or anyone but the fraudster. So why tell me one thing when another thing doesn't add up. If I do not fly XXXX, why would the agent conclude that word for word I had applied during a flight with a flight attendant requesting my driver 's license. You have the wrong person to trifle with. Not today. Fix it ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

Also date last active, date of last payment, and date opened on the following accounts need to be verified as they are reporting old outdated and incorrect information. 
XXXX # XXXX last payment date is XX/XX/XXXX, but outdated as far as being opened XX/XX/XXXX. XXXX and XXXX deleted it but Equifax is holding this account when it is past the statute of debt limitations in the state of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX last payment date is XX/XX/XXXX on XXXX, and last payment date is XX/XX/XXXX on Equifax XXXX the balances are also different. XXXX XXXX XXXX XXXX dates last active and dates of last payment are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries should not be on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX need to be removed. 

Transunion XXXX XXXX XXXX XXXX need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted all three credit bureaus ( XXXX, Transunion and XXXX ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.
Product: Credit card

I have a Home Depot credit card. My due date for XXXX was XX/XX/year>. At XXXX on XX/XX/year> I went into the store and paid with a debit card. The minimum payment due was around {$230.00} and I paid {$600.00}. I got a printed receipt of the payment and an email from Home Depot that my payment was made. As of XXXX XXXX on XX/XX/year> my payment has not been credited to my account but a late fee was charged on XX/XX/year>. I wouldn't be late until XX/XX/year>. They recently raised their interest rate to 30 % so now I've paid 2 days interest on the balance that should be {$600.00} less plus I've paid 2 days interest on the {$29.00} late fee. This has happened in the past and all they returned was the late fee, not the interest.
Product: Debt collection

This is updated information with regard to Case # XXXX. Although you show this as closed, it is by no means not. I am continuously getting phone calls from their agents, which at times are very rude. Recently an agent told me " Ma'am I have a notification about you and your account. No calls regarding this account will be handled. Don't call back we will call you if any information is needed. Here is an XXXX number you're to call. Good day XXXX XXXX XXXX. '' This is supposedly Citi 's Recovery Dept, which I've called numerous times, only to get the proverbial run-around. 

Now I am receiving statements with totally different account numbers that I am not nor have been aware of namely their statements only show the last four digits, which are in no way connected to anything I am aware. How can Citi ask for positive or negative feedback when their statements allude to accounts I have never created nor have used? 

Harassments are now more provoking than me instigating dialogue with you. 

Thank you ever so much.
Product: Checking or savings account

CITIBANK had closed my account, and issued me a check for the remaining balance that was left on my account before being closed. The check issued was stolen, and the bank issued me another check XX/XX/2023 in which one of the phone tellers advised me that, the check should arrive in the mail no longer than 10 business days. And I yet have not received anything in the mail. So this is making very inconvenient for me not having my money available to me. As I could of paid any of my bills with that money, and yet the bank wants to delay in giving back the money that is mine. And this is not the first time, this has happened to me with this bank.
Product: Checking or savings account

XX/XX/2022 Is the date I filed the claim with chase bank for unauthorized atm withdrawal of {$2000.00}, I was supposed to receive temporary credit within 4 days, XX/XX/2022 but still have not received.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within fivXXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card

Please see the attached documents. I request the bureau to commence an investigation into these accounts, as I am never late, yet they are reporting me as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX  which is now XXXX  gave me a job contract stating if i resign before a year that i would have to pay for training in XXXX of XXXX. After the background check they decided not to hire me and then asked for me to pay for the background check. The company tried placing the amount of XXXX on my credit and i disputed it and I hired a lawyer. Experian removed the amount and XXXX tried sending a new contract to state i electronically signed and i said i would pay for the background. Now they tried placing the amount back on my credit even though their contract states if i was XXXX XXXX it would be void and I was XXXX XXXX beginning XX/XX/. I disputed recently showing the contracts and letting them know the attorney is back on the case and the dispute was denied. I never worked for this company and i didnt resign, it is past the statute of limitations when i signed the agreement in XXXX  and i do not recall electronically signing a new document as I was in basic military training.