23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

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

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: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am a bit concerned about account I have in my credit report. The point is that this account is not mine and I do not recognize this transactions and only two bureaus reporting this error. I am kindly asking you to remove it once and forever. Thank you in advance
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my accounts and remove the charge off. My accounts are expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Initial attempt to open the accounts are made, but I encountered an issue with the process. 

Contacted customer service and was informed that the issue would be resolved promptly. 
Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Another attempt to open the account was made, yet the issue persisted. 

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters. 

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem.

Assurance that this issue will not affect my account 's functionality or standing once it is resolved.

Compensation for the inconvenience caused during this period.

I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels : XXXX XXXX XXXX Balance : {$1200.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$37000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
XXXXXXXX XXXX  XXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX XXXX XXXX : {$7900.00} - This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Product: Credit reporting

The account XXXX that 's reporting on credit is reporting as opened when it has been closed and charged off since XX/XX/2016
Product: Money transfer, virtual currency, or money service

XXXX XXXX and XXXX, 2020. 
XXXX USD money transferred into a Skrill account ( XXXX ) Skrill confirmed the money transfer via email, but is not allowing me to verify my account, even though Ive sent them 3 separate images, of myself, my drivers license, and the current date ( XXXX ). 
The documents they want are not something I have, any bills I pay are paid online without my address linked, and I dont own a bank account, I was transferring money to my girlfriends account. My drivers license should be more than enough to confirm my address.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 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 one was feasible, CFPBs findings indicate that Zelle has not only neglected to properly protect consumers, but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit card

In XXXX, I received a statement from Chase Bank for a XXXX XXXX XXXX, including a renewal fee of {$390.00}. I immediately called Chase and downgraded the card to a lower level ( XXXX ), which had a {$95.00} fee. I was advised to not pay the {$390.00} in that billing cycle and that I would receive a credit the next billing cycle, and to call to have any interest reversed. I was then charged {$95.00} for the XXXX card in the following billing cycle, on XXXX/XXXX/15, but received no credit for the {$390.00}. I called on XXXX/XXXX/15 and spoke with both a customer service representative and a supervisor, both who indicated that I would be receiving the {$390.00} credit but not for another billing cycle. I complained that paying {$390.00} for something I had cancelled and in fact the bank had replaced with a downgraded benefits card ( and had charged a second fee for ) amounted to lending Chase {$390.00} and wait for them to pay me back. The supervisor indicated he would credit the interest from the XXXX billing cycle ( from my non-payment of the {$390.00} in the previous billing cycle ) and that I would see the {$390.00} credited back -- and I should contact Chase in the next billing cycle to obtain a reversal on the additional interest to be charged for the subsequent billing cycle on that {$390.00}. When the current billing cycle statement arrived in early XXXX, there was no credit for {$390.00}, the previous billing cycle interest was reversed, there were new interest charges applied. I called and spoke with a representative, a supervisor, and then an escalated floor supervisor. The representative and the supervisors informed me that I would not see the original fee credited at least til the next billing cycle, that it would not be for {$390.00}, but {$300.00}, and that the downgraded card 's fee of {$95.00} would be deducted from the {$390.00}, despite that a {$95.00} fee for the downgraded card had been charged in addition to the original card ( which was cancelled ) fee of {$390.00}. The floor supervisor indicated I would receive no credit for the {$390.00} despite the cancellation of the card and its benefits, and that I would be responsible for the {$95.00} downgraded card fees ( essentially I would pay for a card and its benefits that had been cancelled when it renewed, and receive no benefits for the {$390.00} ). He offered and will be looking into what had been promised previously. It is inconceivable to me that the bank can charge a fee for a card that is cancelled at the time of renewal, not credit it back, charge another fee for a downgraded card, and then indicate that the original higher fee can be collected without providing the card 's services. As an FYI, this is a Chase XXXX XXXX XXXX, vs. a Chase XXXX Card. I have the statements and names of those to whom I spoke after the initial contact when I downgraded the card, if those are needed.
Product: Debt collection

This company continues to try and collect a debt that they allege is mine without verifying and giving me the proper information that I am asking to verify that it is mine. I am requesting a invoice or some contract with my signature on it saying that I agreed to contract with their company. The continue to send me these statements which Is not showing me that I owe a debt or signed up to pay them. I have sent them 2 letters and they responded with a pack of statements. My second letter I have sent stating to either send me the correct verification information or remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
Product: Checking or savings account

Hello I have a business account with Chase bank. I have text messages or emails set up to notify me of a low balance. My balance was below 50.00, I normally get a message informing me of this issue and I immediately transfer money to prevent an overdraft. Well, for some reason Chase bank did not notify me and continued to pay my charges and charged me XXXX, 9 times. I feel they were intentionally trying to make money off of me. There is not a XXXX balance in fees. I went into the bank and spoke with a manager, XXXX XXXX, she also could not assist me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX : {$0.00}
Product: Debt collection

Portfolio Recovery Associates of XXXX, VA are trying to collect a debt not owed with 1 of 3 accounts they have listed as my owing. The other two accounts are in dispute as of current. The account that is incorrect is Account Number : XXXX Account Balance : {$1400.00} Seller : XXXX XXXX XXXX Merchant : XXXX XXXX XXXX Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES , LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Open Date : XX/XX/XXXX ; This account should have been charged off and is not owed by me anymore since it is almost two decades old.The other two accounts are still in question and are referenced by the following : 1 ) Account Number : XXXX Account Balance : {$650.00} Seller : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX. 
Account Open Date : XX/XX/XXXX, and ; 2 ) Account Number : XXXX Account Balance : {$920.00} Seller : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX 
Account Open Date : XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

This debt is from a 2017 XXXX account was originally the creditor the account should not have went to collections because I was disputing the amount owed with the original creditors for service I didnt order with my original contract however the creditor refused to come to some type of resolution and sent my debt to diversified collections were I just paid balance in full so Im asking creditor as a courtesy can they please remove this derogatory remark off my credit file and stop reporting this to credit bureaus Also I am currently a XXXX customer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I learned that my identity had been compromised and an authorized account had been opened in my name. I reviewed my credit report and found that, in addition to the unauthorized account, there were 3 unauthorized credit inquiries on my credit report from Chase Card Services. 

OnXX/XX/XXXX I wrote and mailed a letter to Chase Card Services and explained that their inquiries were unauthorized. On XX/XX/XXXX I received a response from Chase stating that they were removing one credit inquiry, but they determined the remaining two were valid. n XX/XX/XXXX, I wrote another letter disputing their findings and I maintain that I have not authorized Chase to pull my credit! 

To-date, this has not been resolved and the inquiries are adversely impacting my credit score with all three major bureaus. 

FCRA requires furnishers to report accurate information and Reg B requires permissible purpose to pull my credit. None of the inquiries are accurate/authorized and Chase did not have a permissible purpose to inquire on my credit report. 

I have provided enough information for this furnisher to complete a competent investigation, yet they have not corrected their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit report and noticed unauthorize inquires. I reached out to the company via letter and telephone calls. My letters were never responded back to, and phones call left me feeling like there was no hope in clearing up this error. These inquires are greatly affecting my credit score negatively and emotionally leaving I am battling anxiety due to this issue. It has been well over 30 days with no resolution and I'm beginning to feel as if big business can mistreat the ever day consumer with out repercussion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One claims my payment to be late when they received it on XX/XX/XXXX through USPS. This is unfair practice and is embarrassing to my credit report. Where is the fairness Pursuant to 15 U.S. Code 1681? This is defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020 I started a dispute regarding wrong information on my business credit with Experian Business Disputes. The wrong information that shows only on Experian Is hurting my business credit for too long now. I have already sent the paperwork with proof that the Judgment for {$1600.00}, + does not belong to our company. The name is almost similar but my firm has of course different EIN number and also everything else. Please I need help because Experian Business only replies saying they have received the Complain but does NOT remove the wrong information. Thank You very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXXXXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Loan paid off XXXX XXXX XXXX XXXX  received payoff letter Disputed with XXXX XXXX XXXX  still not showing paid off XX/XX/XXXX information sent to XXXX still showed a balance. Dispute denied Company reporting incorrect information Attached payoff letter and dispute results
Product: Checking or savings account

On XX/XX/XXXX I tried to log into my Citibank account but was locked out. I called Citibank to inquire about the account and was informed that my account was scheduled to be closed and a refund check would be mailed to the address on file within 1-2 months. Citibank informed me that the balance of my account was {$97000.00} at the time of closing. Before the account was closed there was approximately {$100000.00} in the account. After waiting more than 2 months for a disbursement check I received a check for {$12.00} dated XX/XX/XXXX check # XXXX. Currently Citibank will not answer any questions concerning my missing funds nor refund my full balance. 

On XXXX XXXX, XXXX I wired {$100000.00} from my XXXX XXXX account to Citibank. 
XXXX processed successfully Account : XXXX The electronic funds transfer ( EFT ) from your XXXX account to your CITIBANK  XXXX XXXX XXXX  savings account ending in XXXX in the amount of {$100000.00} was processed on XX/XX/XXXX. No further action is required on your part. 

Before calling Citibank about my locked account I attempted to withdraw funds from Citibank via wire back into my XXXX account. On XX/XX/XXXX I received a message from XXXX that the funds were pulled bank into my Citibank account as the Citibank account has been Frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A XXXX XXXX ACC THAT GOT TRANSFERRED TO XXXX XXXX ON MY EXPERIAN REPORT AND IT SHOWING A DOUBLE REPORTING ON MY CREDIT REPORT WHICH IS HURTING MY SCORE I CALL EXPERIAN TO DISPUTE IT XX/XX/XXXX THEY SAID THEY WOULD DELETE IT THEY SEND ME A LETTER SAYING IT WILL BE DELETE THEN THEY SAID THEY CAN NOT ITS AND ERROR. 
They said that XXXX would have to delete it to call XXXX i call XXXX talk to XXXX and he said he would investigate it they said they could not do noting because they sold the acc to XXXX XXXX so i call experian back talk to XXXX XX/XX/XXXX dispute specialist she said i would have to get something from XXXX for them to take it off or it have to stay on my report to XX/XX/XXXX she said XXXX have the authority to do it. So i call XXXX talk to XXXX he said its experian have to delete it he said that XXXX last report on the acc was XX/XX/XXXX so i call experian back and they said its XXXX that have to do something about it and they reinvestigate it again