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

I am writing to formally demand the immediate removal of inaccurate and unauthorized negative items appearing on my consumer report maintained by ChexSystems under my Social Security number. 
The disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of these accounts and did not authorize their creation. Under FCRA 605 ( b ), you are required to block reporting of any information alleged to result from identity theft or unauthorized activity within XXXX ( XXXX ) business days of receiving a proper dispute. 
Accordingly, I demand that you : Immediately remove the above-referenced negative entries from any and all consumer files you maintain concerning me within XXXX ( XXXX ) business days of receipt of this notice. 


Provide written confirmation that the items have been removed. 


Should you fail to comply within the timeframe prescribed under federal law, I will pursue all available remedies, including but not limited to : Filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the XXXX Attorney Generals Office. 


Initiating legal action against your company for violations of the Fair Credit Reporting Act ( FCRA ) and seeking monetary damages for defamation, negligent enablement of identity theft, and willful non-compliance.
Product: Credit reporting or other personal consumer reports

My XXXX payment was reported late, this was due to a natural disaster ( XXXX  XXXX ). I tried to make my payments online, the payment was submitted before the due date but didnt go through uniting after the storm due to not having cell service or wifi. I even tried to go out during the storm to the bank and make my payment in person but the bank was closed. I did everything I could to make that payment on time but it was ultimately out of my hands, and now the late payment is being reported on my credit and is causing my score to go down almost XXXX points. This action is threatening my livelihood and preventing me from getting approved for a home and or any other credit checks I need to obtain things I need for daily living. I believe this late payment should be taken off of my account because it was due to a natural disaster.
Product: Debt collection

15 U.S. Code $ 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 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATION!! I Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) 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 lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 

The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Bank XXXX Late Payment Account XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX & XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX  XXXX Bank XXXX XXXX A XXXX XXXX Account XXXX XXXX XXXX-XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX Off Account XXXX XXXX XXXXk XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 

Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 

I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/18, I received a letter saying Capital One had already closed my account due to inactivity. I phoned customer service and asked if there was any way I could make a charge to my account and keep it open, and the customer service representative told me he was unable to reopen my account but that I was welcome to re-apply. As a XXXX XXXX with limited income, I knew my odds for acceptance would not be good. Sure enough, the online system denied my application. I wrote a letter asking Capital One to reinstate my account and on XX/XX/18 received a letter saying it would not reinstate my account but that I was welcome to re-apply. Sure enough, I received a letter in XX/XX/XXXX saying I was not approved for a Capital One credit card.
Product: Debt collection

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the relentless harassment and abusive debt collection practices employed by One Main Financial. My objective in filing this complaint is to seek assistance from the CFPB in resolving this issue and ultimately requesting the waiver of the debt owed to One Main Financial due to the severe emotional distress and harm caused by their actions. 

To provide context for my complaint, I wish to outline the abusive practices and harassment I have endured at the hands of One Main Financial : Excessive and Unrelenting Contact : Representatives from One Main Financial have been incessantly calling, texting, and emailing me at all hours of the day, including weekends and holidays, with a frequency that is far beyond reasonable. These calls have disrupted my daily life and caused significant stress and XXXX. 

Violation of Fair Debt Collection Practices : I firmly believe that [ Creditor Name ] has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) through their abusive and unethical collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX XXXX XXXX XXXX inaccurate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Equifax XXXX XXXX XXXX XXXX XXXX on all 3 Bureaus inaccurate XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and I noticed unauthorized items that shouldn't be reporting sure to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a full Core Logic report so I can get a full understanding of what is being reported on my credit report Please send to the address below.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

They proceeded to put this debt twice on all of my credit reports. The original amount is {$940.00} and now it is showing {$1800.00} which is double the amount.
Product: Debt collection

PROCOLLECT , INC  XXXX   XXXX   XXXX    XXXX   /   XXXX    XXXX   XXXX ,    2014  {$1600.00} -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  This company is reporting a disputed debt on my credit report. I have previously contacted the company and requested verification and validation of debt per my right under the FDCPA secti on 809 ( a ) and ( b ) this com pany refuses to provide. I do not owe this debt! I am demanding proof be sent to me via email  XXXX  XXXX  XXXX . The last  XXXX  of my SSN are  XXXX . Also this company must have a surety bond to collect in my state. I am aware I can file a civil lawsuit and see actual and statutory damages from you and your client. It is a violation of the FCRA to reported a debt on my credit report and not flag it as dispute.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$320.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except experian and i have attached the same letter over and over again, i have also verified with the creditor XXXX XXXX and they have sent the notification many times please have experian change their reporting thank you
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 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 me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 in unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card account around XX/XX/2021. XXXX never sent me my account information or credit card so that I can activate my account and make payments online. Because of this, I was not able to make a payment on time and XXXX XXXX XXXX marked me XXXX-days late on a payment. There are also several other errors on my Experian and XXXX XXXX reports that have not been corrected or deleted after several disputes. 

It is not fair that a consumer be hit with a XXXX late reporting when he did not have the opportunity to make a payment because the furnisher did not send the proper account information in-time. XXXX XXXX XXXX has violated the FCRA and I believe the Fair Billing Act as well.
Product: Vehicle loan or lease

USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXX USAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX. Attached are all relevant documents that USAA Federal Savings Bank has provided to date. I was also expecting copies of any and all documents substantiating that I am in fact a co applicant. All documents provided are unsigned and have a street address where I live but can not receive mail.
Product: Credit reporting or other personal consumer reports

I did not consent to nor authorize the following fraudulent inquiries from transunion. 
XXXX XXXX XX/XX/24 XX/XX/24 XXXX XXXX XXXX XX/XX/24 XX/XX/24
Product: Checking or savings account

I HAD an account or accounts at XXXX. I closed them ( if plural ) some years ago. This is so many years ago that I no longer have that paper file. However, in the last few days, I received a copy of a check from a merchant. The check is dated XX/XX/2022. This check purports to be from me drawing on a Wells-Fargo account. It has my name, correctly spelled, and my address, also correct. In addition, it has the name of one of my children. It has her first name spelled correctly, her birth name as an initial and her husband 's surname. All of this information is correct and current. There has obviously been a breech of information that Wells-Fargo should have held in confidence. I have contacted Wells-Fargo, but have not been successful ( yet? ) in contacting anyone connected with their executive level. - The numbers I was given are not " correct. ''
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I request the immediate blocking and deletion of the accounts and inquiries listed below, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not authorized by me and are the result of fraudulent activity related to the breach. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these entries be blocked from my credit report. Please find the details of the fraudulent accounts and inquiries below : Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was just released from the XXXX XXXX XXXX XXXX and they are claiming that I incurred a debt during my time in XXXX, There are three separate entries by this creditor on my report that I am filing this complaint on as they are listing the same account number. I have asked for documents to prove to them that I never authorized these charges
Product: Credit card

I sent a letter to your company which you claim to have not received via a CFPB complaint. In the response to my complaint, my concern ( s ) were not addressed even once. Review my original complaint and the true issue about what happened with the balance on this account and respond correctly. Next will be the Attorney General.
Product: Checking or savings account

I am a victim of identity theft. Someone has opened a banking account with Bank of America using my personal social security number, DOB, and using one of my old addresses to set up the account. I did not authorize this account or any other account to be set up and I do not know who is setting up these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates listed below i received hard inquiries on my Credit profile that i do not recognize and are fraudulent. I have a closed XXXX XXXX account that needs to be removed from my credit profile because it violates my right to privacy. 

XX/XX/2022 XXXX, XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX//2022 XXXX XXXX  XX/XX/2022 XXXX, XXXX/XXXX/2022 XXXXXXXX XXXX  XXXX/XXXX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/2022 XXXX XX/XX/2022 XXXX, XX/XX//2022 Bussiness
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an investigation into the charge-off accounts listed on my credit report. I recently obtained a copy of my credit report, and upon reviewing it, I noticed that there are several accounts that have been charged off. These entries are negatively impacting my credit score, making it difficult for me to secure loans or credit on reasonable terms. 

I believe that these charge-off accounts are not accurate and are unfairly damaging my credit profile. I request your assistance in investigating these accounts and, if they are found to be inaccurate, I request their removal from my credit report. 

I am disputing these charge-off accounts on the grounds that : I believe that the information reported is inaccurate or incomplete. I have attached any supporting documents that can help rectify the inaccuracies. 

I request that the credit bureau verifies the validity of these charge-off accounts with the respective creditors. 

Outdated Information : If any of these accounts are more than XXXX years old, I request their removal as they should not be reported according to the Fair Credit Reporting Act. 

Enclosed with this letter, you will find copies of the supporting documents that I have gathered to validate my dispute. These documents include [ list any documents you are including, such as payment records, correspondence with the creditor, or other evidence ]. 

I kindly request that you conduct a thorough investigation into these accounts as per the Fair Credit Reporting Act and respond to this dispute within the XXXX period stipulated by law. Additionally, please provide me with a free copy of my updated credit report after the investigation is complete. Please hepl me remove the following accoutns in my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3800.00}.
Product: Credit reporting or other personal consumer reports

This account is In result to XXXX XXXX 

1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX. 
( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).

Prohibition on inclusion of adverse information of XXXX XXXX. A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation as defined under paragraph ( b ) ( 6 ) of this section to the consumer reporting agency. 
( d ) Method of submission to consumer reporting agencies ( 1 ) Mailing and website address. A consumer reporting agency must provide two mailing addresses for a consumer or consumer representative, as described in paragraph ( b ) ( 6 ) ( ii ) of this section, to send a submission consisting of an appropriate proof of identification under paragraph ( b ) ( 1 ) of this section and XXXX documentation under paragraph ( b ) ( 6 ) of this section. A consumer reporting agency may also establish a secure online website portal for a consumer to upload a submission. A consumer reporting agency must accept a submission sent to the mailing and, if applicable, website address used for disputes under section 611 of the FCRA, and must accept a submission sent to a mailing and, if applicable, website address dedicated to blocking adverse items of information resulting from a severe form of XXXX  in persons or XXXX XXXX  under this section.
Product: Debt collection

This is my office cell phone. Not mine. I told this company to stop calling me but they wont. I had XXXX twice, my wife is out of work, we have no money, lost everything and can not pay credit card.