23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My debit card was stolen and I reported it to the police department by that time the thief had cleaned out my account. I reported it to the bank and they decided that it was not stolen, I provided the police report number, I provided the information that was requested by the police. The bank never refunded any of the money back to me not even a temporary credit. I was left with no money. The bank said if they got your pin number then it was authorized.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of my personal information by Experian. Specifically, my credit report lists 10 names, the majority of which are incorrect. This error persists despite my submission of a dispute in XX/XX/year> to validate my correct name and address with all major Consumer Reporting Agencies ( Experian, XXXX, and XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ], consumer reporting agencies and data furnishers have an obligation to maintain maximum possible accuracy in the reporting of consumer information. Specifically, Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) requires information furnishers to ensure that only accurate and complete information is provided to credit reporting agencies. Experian has failed to comply with these requirements by continuing to report incorrect personal information on my credit file. 

Additionally, the presence of these inaccuracies is a violation of my rights under the Truth in Lending Act ( TILA ) [ 15 U.S. Code 1601 ], Equal Credit Opportunity Act ( ECOA ) [ 15 U.S. Code 1691 ], and Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S. Code 1692 ]. These laws collectively ensure that consumers are provided fair and accurate information in financial transactions. The incorrect names on my credit report could unfairly impact my creditworthiness and ability to access financial opportunities. 

It is also critical to note that my information was involved in the XXXX XXXX XXXX, which compromised the integrity and security of my personal data. Given this breach, it is imperative that all data associated with my profile is correct to prevent identity theft or additional compromise. 

Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter to document the ongoing inaccuracies and their potential impact on my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX [ {$5300.00} ] XXXX XXXX XXXX [ {$2600.00} ] as well as TRANSUNION has violated my rights. These Accounts/Debt is not mine I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Original CFPB complaint XXXX was filed against LexisNexis for refusing to freeze my consumer report. I am a victim of ID theft. 
I received correspondence from LexisNexis in the mail my file was frozen. It however appears LexisNexis used a variation of my last name an ID theft used to apply for credit cards in my name. 
How do I know this file frozen file is in fact my file?
Product: Credit reporting or other personal consumer reports

This is a fraudulent account that was opened some time ago using my personal information without my consent.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account Number XXXX XXXX
Product: Checking or savings account

On XX/XX/22 I was contacted by a person impersonating a real cop from my town saying that I had not shown up for court for one of my juvenile clients ( I'm a therapist ) despite signing a court summons. I went into panic mode XXXX  I have a professional license that any kind of misdemeanor can mean it gets revoked and I no longer have a job. The person sounded like an XXXX XXXX ( not foreign ) and called from a number that said " XXXX XXXX '' on it. He threatened me with criminal charges if I didn't pay the " bond '' fees for the charges against me until I was back in town ( I was out of town when this scammer called me ) and could prove I hadn't signed the court summons. Long story short - he got XXXX out of me ; looking back, I realize how stupid I was, but I'm new to my job and messing up by not being somewhere I was supposed to be ( like in court for one of my juvenile clients ) wasn't out of the realm of possibilities. He defrauded me by pretending to be a cop, and now the bank won't refund the money I lost saying that it was an authorized transaction. But is it really authorized if it was under duress and fraudulent? I disputed the charges on XX/XX/22 and they must have denied it immediately ( i never got an email ). When I called them to check the status, they told me I should have gotten an email about it. While on the phone, I asked if they would reconsider, and they said no - their decision was final. XXXX is nothing to this bank, but it's a lot for me and my family. I've already filed a police report. I know I was stupid, and I've learned my lesson, but I just think the bank is being unfair in this situation. If I had called and lied and said that someone broke into my phone and completed the charges, would they refund then? I don't understand the logic- it was a transaction that was obtained through means of fraud, impersonating an XXXX ( a real one that actually works in my town! ), and threat to my livelihood. Please, I am begging you. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX I looked at my report on XXXX XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer agency shall - promptly delete that item of information from the file of the consumer or modify the item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer and according to 15 1681 s-2 they are suppose to 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

All cash deposit was never correct for last XXXX years over XXXX dollar
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently sent out disputes on XX/XX/XXXX and I have yet to receive a response from XXXX, Equifax, XXXX, or XXXX.
Product: Checking or savings account

I've opened a checking and savings account with Bank of america and it got closed in XXXX because a friend of mines wanted to cash his check but he couldn't because the check cashing place was closed so I did him a favor by letting him deposit his check into my account for he can get his money after that my account wind up getting closed. I had no idea about it can result in account closure so I'm paying a big price and being held accountable for my stupidity. I've paid off XXXX to XXXX on XX/XX/XXXX and I believe I'm still on XXXX. I've learned my lesson after that.
Product: Debt collection

I signed up for XXXX service on multiple lines. 3 phones lines, a tablet data line, and a smartwatch line. 

XXXX never provided service on the tablet line or the smartwatch line. I never received SIM cards. Contacting support would lead to them saying they were sending them and they never did. I cancelled the lines. Later I found out they kept the accounts open and were charging them despite me not receiving service and it not being possible for me to receive service since they never sent me the hardware necessary for that to happen. 

XXXX put me in to collections with Diversified Adjustment Service. I kept asking both XXXX and the Collection Company for proof I received any service on the lines in question and they both never have. They can not send proof because I literally never received any product or service despite paying for them. Now they are harming my credit to try to get even more money from me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in light of recent cpfb 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 me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S finings 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 or other personal consumer reports

My data was leaked in a data Breach and now 2 addresses have appeared on my credit report without my knowledge I have never lived at either address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX According to the fair credit reporting act Failure to correct or Delete Inaccurate Information, If the information is unverifiable it must be corrected or removed. 
I have attached my Identification, current proof of address and my complaint with the FTC!
Product: Credit reporting or other personal consumer reports

I am submitting a formal request for the investigation and deletion of unauthorized inquiries on my credit report. I have attached an affidavit of dispute affirming the authenticity of this request. 
These inquiries were made without my consent, and upon contacting the listed creditors, they confirmed they do not have evidence that I initiated these inquiries, nor do they possess any written or verbal authorization from me, as required by the Fair Credit Reporting Act ( FCRA ). 
Specific Unauthorized Inquiries : XXXX XXXX XXXX  I understand that verification may occur through the EOSCAR system ( Electronic Online Solution for Complete and Accurate Reporting ). However, the CFPB has highlighted limitations in the EOSCAR system, noting that automated processes can be insufficient when accuracy depends on verifying underlying documentation. Therefore, I request a manual review of these unauthorized inquiries and full verification of all relevant documentation. 
Additionally, I am specifically requesting any original application forms or initial documents that creditors may have on file. This is to ensure that only responses based on primary documentation are considered, rather than automated EOSCAR confirmations.

Under the FCRA, these inquiries violate requirements for permissible purpose, verification, and accuracy. The relevant FCRA provisions that support my request are outlined below : 1. Section 604 ( 15 U.S.C. 1681b ) - Permissible Purposes : Since I have not authorized these inquiries, they do not meet the permissible purposes outlined in this section.

2. Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) - Inaccurate or Unverifiable Information : The FCRA requires credit bureaus to delete unverifiable items promptly. As there is no verifiable authorization, I formally request the removal of these inquiries.

3. Section 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) - Right to Access and Verification : The FCRA mandates that credit agencies verify each inquiry, including an original signed contract proving my consent. Since you can not provide this documentation, I request the removal of these inquiries. 
4. Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of Information Providers : Information providers must ensure accuracy and authorization ; these inquiries fail to meet these criteria.

5. Section 605A ( 15 U.S.C. 1681c-1 ) - Identity Theft Protection : This mandates the removal of unauthorized inquiries potentially linked to identity theft. I request deletion under this protection. 
Relevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ruled that accessing a credit report without a legitimate purpose or consumer consent violates the FCRA. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX upheld that credit inquiries must meet permissible purpose requirements, supporting my request to remove unauthorized inquiries.
Product: Prepaid card

My employer gifted me a {$3000.00} American Express Gift card that does not work either online or in store. Every order or purchase I try to make gets denied or cancelled due to billing issues. This appears to be an American Express issue. Upon personal research it appears this is a widespread issue with American Express gift cards. This money means a lot to me and it is frustrating that American Express can not make these commonly gifted and purchased items work.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX  AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

Cease and Desist Communication Regarding Collections/Charge off immediately request for deletion of account. 


I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it and stop reporting and request deletion of this account to all major credit reporting agencies immediately. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion.

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 16814 .

Your immediate attention to this matter is expected and appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on XXXX XXXX that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payment updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to dispute the accuracy of certain information reported on my credit file by your agency. Specifically, I am contesting the veracity of inquiries from 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 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 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 Bankruptcy public record, discharged on XX/XX/XXXX. I assert that these entries are inaccurately reflected, lack proper verification, or are outdated, thus necessitating their review and removal under the FCRA 's provisions that mandate reporting agencies to ensure the maximum possible accuracy of the information reported ( 15 U.S.C. 1681e ( b ) ) and provide mechanisms for consumers to dispute and seek the deletion or correction of inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ). Given these circumstances, I have initiated this formal dispute to request a thorough investigation into these matters. Should these entries be found unverifiable, outdated, or inaccurately reported, I respectfully demand their immediate correction or deletion from my credit report, in compliance with FCRA guidelines. This request is made with the expectation of a prompt resolution, safeguarding my right to an accurate and fair credit report as stipulated by federal law.

I have attached my passport and a copy of my utility bill for identity verification purposes.
Product: Checking or savings account

I was charged overdraft fees because they let XXXX go in my account and take out {$10.00} and they didnt give me no time to put the money back
Product: Mortgage

1 - I mailed a payoff request letter on XX/XX/XXXX Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
2 - I requested a payoff via the vendor 's email account on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
3 - I requested a payoff via the vendor website on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
Product: Checking or savings account

On XX/XX/XXXX the irs deposited a check for XXXX into my savings account it was in my partners name XXXX XXXX and they release the funds on XX/XX/XXXX transferred funds of XXXX to checking several days later they froze my account due to the check being in a different name XXXX opened a account with them we tried to add her to my account they she did all it and told them that this was for money she owed me. we get the run around and they have had my money for months now they wont release it or will they give any information to me they say they are closing my account over a month they are doing nothing about it and we have no answers my name is XXXX XXXX the Bank is XXXX
Product: Debt collection

If a debt collector or credit reporting agency fails to remove fraudulent debt from credit reports after a court dismissal, it may be a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. FCRA Violation : Under the FCRA, credit reporting agencies and furnishers ( such as debt collectors ) must ensure the accuracy of information reported to credit bureaus. If they continue to report dismissed or fraudulent debt, they are potentially in violation of : 15 U.S.C. 1681s-2 ( b ) : This provision requires furnishers to conduct an investigation after receiving notice of a dispute and correct any inaccurate information. Failure to do so, particularly after a dismissal, may violate this statute.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must also follow reasonable procedures to assure maximum possible accuracy. Allowing dismissed debts to remain may breach this duty. 



2. FDCPA Violation : The FDCPA prohibits false, deceptive, or misleading representations in connection with debt collection, and collecting or attempting to collect on a debt that the consumer does not owe could violate : 15 U.S.C. 1692e ( 2 ) : This provision forbids misrepresenting the character, amount, or legal status of a debt.

15 U.S.C. 1692f : This section prohibits unfair or unconscionable means to collect or attempt to collect any debt, which could include reporting dismissed debt as valid.

These violations could provide grounds for legal action to enforce credit report correction and potentially recover damages.