23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX, a retired XXXX XXXX veteran currently receiving government benefits, has been wrongly labeled a felon by Fifth Third Bank. This false accusation has led to denial of a loan and has caused significant emotional distress, including post-traumatic stress. Despite a clear criminal record proving he is not a felon, the banks actions amount to discrimination and defamation. XXXX XXXX seeks to file a complaint for defamation due to these baseless claims.
Product: Credit reporting or other personal consumer reports

I am in desperate need with help from the CFPB Ive been suffering with XXXX  and XXXX  XXXX for the last XXXX months going back and forth with Equifax trying to resolve these issues in many different ways with my credit for over XXXX months only to receive evasive and computer generated templated results. I have requested my transaction history to be deleted Under F R C A 15 U S C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ( 2 ) Exclusions -Except as provided in paragraph ( 3 ) The term Consumer Report does not include- ( a ) Subject to section 1681-3 of this title any- ( i ) Report containing information solely as to TRANSACTIONS or EXPERIENCES between the Consumer and the person making the report. 
Back on XX/XX/XXXX I mailed a certified letter to Equifax stating that in accordance with the FCRA they have violated my rights to privacy 15 U S C 1681 section 602 which states I have the right to privacy And Under 15 U S C 1681 section 604 A also states a Consumer Reporting Agency can not furnish my account without my written instructions. These accounts were indicated in this letter XXXX XXXX XXXX XXXX and XXXX XXXX On XXXX XXXX a letter was issued in response of my request from Equifax only to say Disputed information updated and other information updated, very much on the Contrary of my request. I started checking my credit monitoring reports to see if any changes for over 90 days and nothing but inaccuracies and incomplete information. 
On XX/XX/XXXX a second letter was sent out notarized and certified in regards to XXXX XXXX XXXX XXXX XXXX my request was to delete the account lateness I requested that this account be investigated pursuant 15 U S C 1681 ( i ) - PROCEDURE IN CASE OF DISPUTED ACCURACY ( 6 ) Notice of results of reinvestigation ( B ) CONTENTS ( iii ) a notice that, if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
On XX/XX/XXXX a letter was written to me from Equifax only to state that the investigation results stated DISPUTE INFORMATION UPDATED once again with evasive tactics violating every law I stated in my letter which will be included with my documentation of evidence. 

On XX/XX/XXXX Another letter was sent notarized and certified requesting to delete non-verifiable late payments and inaccuracies in violation per 15 U S C 1681 e ( b ) Whenever a Consumer Reporting Agency prepares a consumer report it shall follow reasonable procedures to assure maxim possible accuracy of the information concerning the individual about the report relates All accounts in this letter was listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

once again with evasive and stall tactics I have not received a response to the investigation procedure as it stands now today is XX/XX/XXXX without any correspondence coming from Equifax.
Product: Credit reporting or other personal consumer reports

There are 3 credit cards that are reporting to my credit profile with balances of {$8100.00} this account is being reported as closed. the second account was reported closed with a balance of {$8100.00}. the third and final account balance is reported as {$7900.00} and this account is closed. I have reached out for this accounts to be closed and removed from my credit profile as they are inaccurate and this is affecting my credit rating with these fraud accounts being reported I reacher out on XX/XX/2023. the company closed the accounts but did not delete them and refuses to delete them this is against the law no inaccurate information may be on my credit report. My email address is XXXX and my number is XXXX
Product: Checking or savings account

Please HELP!!!!! 

I am writing to express my deep concern and frustration regarding an ongoing issue with my debit card account, more specifically with my bank WELLS FARGO. Approximately two months ago, I reported two transactions ( {$110.00} each ) made with my debit card in XXXX, XXXX as fraudulent, providing all the necessary details and documentation to support my claim. 

To my dismay, the bank has not recognized these transactions as fraudulent and is still holding me responsible for the unauthorized purchases. This situation is not only distressing but also places me in an unjust position of being accountable for transactions that were clearly made without my authorization. 

I have diligently followed the bank 's procedures, providing evidence and filing the necessary reports promptly. Despite my efforts, the matter remains unresolved. I kindly request a thorough reexamination of the case and a swift resolution to rectify this issue. 

I understand the importance of security measures, but as a loyal customer, it is disheartening to face such challenges when reporting fraudulent activities promptly. I believe in the integrity of your institution and trust that you will address this matter with the urgency it deserves. 

I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps on reporting my scores wrong my score spouse to be at XXXX XXXX and XXXX I have no collections on my account what so ever
Product: Money transfer, virtual currency, or money service

I am writing to formally express The concerns i have of unauthorized transactions per Zelle handling disputes, in light of the CFPB lawsuit highlighting significant issues with the platform as a whole. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate these claims adequately. They informed me that recovering lost funds were impossible and tracking these transactions were infeasible. The CFPBs findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving its users vulnerable to scams.
Product: Credit card or prepaid card

i sent a FTC report and they just deleted the account on XXXX and XXXX is still showing in XXXX this is the XXXX XXXX XXXX. 
The another account is XXXX of XXXX i have the same issue they just deleted the account is XXXX and XXXX and still showing in XXXX. 
The another account is Cap One they deleted the account on XXXX and still showing in XXXX and XXXX. 
The another account is XXXX XXXX XXXX still showing in XXXX and XXXX.
Product: Credit card or prepaid card

While working on trying to secure a loan for a business and finalizing partnership agreement, XXXX XXXX, a prospective partner used my financial information to open a business credit card account with Chase and put my name as a guarantor without my permission. 
The card was issued to the business address of the partner and all correspondence being sent to that address without my knowledge. 
I do not understand how the business was issued a credit card based on my information considering that there was not and still is not any document showing any relationship with the company. 
After a while I did receive a call from XXXX XXXX attempting to collect the debt from the credit, that apparently was not being paid by the partner. 
I discussed with a person by the name of XXXX XXXX and explained that the card was issued to a business and that I had not spent a penny on that card. 
At the time she explained to me that they had no other choice than report this to credit agency and the best I could do was provide a payment and try to arrange the situation with the partner since I was the guarantor on the account. 
I made the mistake of giving her my account number from XXXX  XXXX for a payment of I believe {$350.00} to cover the arrears while trying to resolve the situation. 
Since then, almost three years ago, XXXX has taken the liberty to take money out of my bank account and nothing being done to the individual who opened the account and who has been receiving all correspondence related to the account at his business address. 
I am reporting this to the Consumer Financial Protection Bureau to get reparation from Chase for issuing credit card to a company without verifying ownership and credit worthiness information.
Product: Debt collection

I received a collection letter from Assured Collections, LLC ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) on XX/XX/XXXX, stating that they were collecting on behalf of XXXX XXXX XXXX. They were collecting an amount of {$2900.00} for a product # XXXX, date of XXXX XX/XX/XXXX. I immediately responded to the letter stating that I never received such a device, checked with my physician 's office to confirm my bills for this XXXX were paid in full, and no device of this type was ordered. I have since received another collections letter stating that I should pay immediately or a negative report will be sent to credit reporting agencies, or a legal suit could be brought against me. 
I have researched XXXX XXXX XXXX, and found numerous complaints filed with the XXXX  that is exactly the same as my situation, where they wait 2 - 2 1/2 years then start tryng to collect. I never received any type of contact from XXXX prior the above referenced letters. 
I am refusing to fall for this scam and am contacting legal representation to hopefully get this resolved. 
I have filed a complaint with XXXX, and will be reaching out to all agencies to make people aware of this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. XXXX XXXX, it is plainly stated that 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 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Product: Credit card or prepaid card

Complaint # XXXX has all of the details. Please reference that. U.S. Bank was supposed to send me a Visa gift card worth {$100.00} to make up for my aforementioned complaint, and instead they sent me a card with only an {$85.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is it that these credit reporting agencies or continuing to mis report these unauthorized accounts on my credit report, I have previously reported that my identity was compromised and the result is these unauthorized fraudulent accounts that I'm demanding be removed from my credit files immediately. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX XXXX {$240.00} 3. XXXX, XXXX {$570.00} 4. XXXX, XXXX {$810.00} 5. XXXX, XXXX {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed my accounts in XX/XX/2023. This account at SELF was intended to help improve my credit. After years of no success, i closed this account. Unfortunately, this company continues to send me interest fees and late charges. I asked them to remove all charges due to my account closure.
Product: Credit card or prepaid card

I signed up for the American Express Gold Delta SkyMiles credit card on XX/XX/2018. The credit card offered XXXX bonus miles after spending {$2000.00} plus XXXX bonus miles after spending another {$1000.00}, plus a {$50.00} statement credit after my first purchase with XXXX. 

American Express reps now tell me that because I had this card before they will not honor the terms of the bonus offers. I have enclosed screenshots of the terms for the application and nowhere does it say that I would be ineligible for the bonus offer on this card because I had the card once in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE XXXX INQUIRIES ON MY CREDIT REPORTS THAT ARE UNAUTHORIZED. SOME ARE BELOW. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, PLUS MANY MORE.
Product: Debt collection

A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for Bank of Omaha. 

They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. 

The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

Went to make changes to my checking/savings account early XX/XX/year>. The change was to add my trust as beneficiary. They told me I could not but added to my checking as account owner. Paperwork was signed and I went on medical leave XX/XX/year>. 

In mid XXXX during my medical leave and unable to drive I was requested to come sign additional paperwork or my account would be closed. I ask for an extension given the circumstances and ask to file a complaint. Both fell on deaf eyes. 

I drive myself to the bank location neatest me to sign the paperwork required but no notary was available. 

I was able to make it to the bank location where I originally signed the paperwork on XX/XX/year> to sign the required paperwork and my checking account was closed the next morning. 

I spent the next morning of XX/XX/year> attempting to get the checking account reopened. The person who originally handled this issue was XXXX XXXX at Wells Fargo Bank at the XXXX XXXX TX located on XXXX XXXX. The branch manager never stepped in to help which I would have thought would have helped and added more urgency to the situation. 

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

Inquires that do not belong to me are still reporting and new inquiries have populated on my credit report even after fraud alert was attempted to prevent future inquires. Identity compromised/Fraud : Credit Bureau XXXX XXXX not resolve the issue. These fraudulent inquires are damaging. XXXX Inquiries : 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
Product: Checking or savings account

I received a text message on 2022 XXXX XXXX from TD bank which read : TD Bank : Welcome, XXXX. You have a mesage. TAP : XXXX Txt HELP for info or STOP to optout. Msg & DataRatesMayApply. XXXX I followed the link and it appears that a checking account has been opened in my name ( XXXX XXXX. ) I have XXXX ( XXXX ) bank accounts but NEVER have opened one with TD Bank. In addition, my son who is married and lives away from me, has been receiving emails regarding my checking account. We have NO connected bank accounts.
Product: Credit reporting

I have a unauthorized access to my Credit report by XXXX company. They are a unlicensed Credit reporting agency. I have previously requested proof of claim that was never provided. Request was made back in XX/XX/2016
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute several unauthorized inquiries listed on my credit report. Upon reviewing my report, I found inquiries from the following lenders that I do not recognize and did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These inquiries are negatively impacting my creditworthiness and should be removed as they are not associated with my consent. I kindly request that you investigate this matter and remove these inquiries from my report. 


Thank you for your prompt attention to this issue. I look forward to your response. 


Sincerely, XXXX XXXX
Product: Mortgage

I am writing to formally address serious concerns regarding the loan associated with the property located at XXXX XXXX XXXX XXXX, XXXX, AZ, which originated on XX/XX/year>. It has become evident that U.S. Bank is not the original lender of this loan and had no consideration in its purchase.

Despite having served U.S. Bank with certified mail requesting Debt Validation and an Affidavit of Truth, I have received no response. This lack of communication is unacceptable and raises significant questions regarding the legitimacy of the debt you claim I owe. 

As you are aware, I have requested copies of the Promissory Note and the Deed pertaining to this loan, as well as a signed contract dated XX/XX/year>, between U.S. Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your failure to provide these documents constitutes a violation of UCC 3-302, which requires a party to establish its status as a holder of the instrument before enforcing any claims.

Moreover, I must emphasize that reporting late payments to credit bureaus without proper validation of the debt is illegal and damaging to our credit. Under U.S.C. Title 15, Chapter 41, Subchapter V, Section 1692g, I have the right to demand proof of the debt you claim against me. Your continued failure to validate this debt not only violates federal law but also exposes U.S. Bank to potential legal claims for damages.

Furthermore, we have been forced into three modifications of the loan totaling {$55000.00}, {$5700.00}, and {$18000.00}, during which you have threatened foreclosure without providing adequate validation of the underlying debt. This practice is both unethical and unlawful. As established in XXXX XXXX XXXX XXXX XXXX XXXX banks do not lend money ; they create credit through promissory notes. This principle is reinforced by XXXX XXXX, which defines " consideration '' as something of value exchanged between parties, which appears to be absent in this instance.
Product: Credit reporting or other personal consumer reports

Last year I discovered that someone hacked into Experian and associated an email with my social security number. I could not log in because when I put my information it does not match what they have in the system. After many hours I got to speak with a supervisor who issued an escalation number ( XXXX ) to recover my account. A year later I am still waiting and have spent a number of days on the phone trying to find someone who can help. However, when I get an actual person to speak with ( no easy task ) they ask verification questions that I can not answer ( like the license plate of a car that was junked 10 years ago. I had to wait XXXX hours to try again. When I did and passed the test, the support person said they could not help and I would have to try XXXX hours later. Giving the person the escalation number did not help. I have not been able to view my report to see if there is incorrect information. I think there is because my husband checked his and found an address that did not belong to us ( it was an address they used as one of the verification questions-which I got wrong because I never lived there ). So, they are verifying my identity using false information, but I can not correct it, because I can not get in to challenge the information.