23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received several emails stating that my consumer credit report has new alerts and that my credit file has changed for Experian, XXXX, and XXXX. Please see exhibits. All three of these credit reporting agencies have reported a chapter 7 bankruptcy to my credit reports which dropped my credit scores over XXXX points. I dont recall giving any written permission for this information to be included in any of my credit files. All three of these agencies have taken part in stealing my personal information from a third party ( XXXX XXXX ) and taking it upon themselves to place this erroneous information in my credit files and credit reports. According to the US Bankruptcy court here in Florida, they do not report bankruptcy information to credit reporting agencies. They only report this information to XXXX XXXX XXXX does not share or sell this information to third parties. ( see exhibit ). Therefore, these agencies are willingly taking part in identity theft to defame my character. Not only did they take part in defaming my character, they have caused me tremendous harm. I have been getting extreme anxiety from reading negative emails regarding the constant decrease of my credit scores, reporting unverifiable information from other creditors to my consumer report, and humiliation. I will not sit back and allow this to go on any further and I will take all action necessary to have this matter resolved immediately.
Product: Credit reporting or other personal consumer reports

I am reaching out with deep concern to formally dispute inaccurate information that is currently being reported on my credit report. 
Regrettably, the following items have been misreported and are having an adverse impact on my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly showing that I have one late payment, when, in fact, my XXXX report clearly reflects XXXX late payments. This error is causing me significant distress, and I sincerely hope it can be resolved as soon as possible to prevent further negative impact. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly showing that I have one late payment, when, in fact, my XXXX report clearly reflects XXXX late payments. This error is causing me significant distress, and I sincerely hope it can be resolved as soon as possible to prevent further negative impact. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : As I previously disputed this account with the credit bureaus, and it was successfully deleted from my Experian report. However, XXXX failed to conduct an investigation and did not remove the disputed information. 
This oversight is causing me a great deal of stress and XXXX, and I am hoping it can be addressed promptly so that I can move forward without this mistake hanging over me. 

Inquiry : XXXX XXXX XX/XX/year> Im writing with a heavy heart, as Ive discovered that these items on my credit report are either inaccurately reported or have already been resolved. Despite my efforts to address this, the issue remains unresolved. Ive already reached out to both the credit reporting agency and the data furnisher, but nothing has changed. 
The ongoing error is causing me a great deal of distress, and I kindly request that these items be thoroughly investigated and corrected as soon as possible. 
To support my claim, I have attached documentation and screenshots of my credit report, which show the inaccurate information. I sincerely hope this matter can be addressed promptly, and my credit report updated to reflect the correct details.
Product: Debt collection

There was an eviction put on my credit account in XXXX, at the time I did not own an apartment. I was not aware of any debt until pulling my credit report. I tried resolving the issue on many equations by mail. In XXXX I was able to get the account removed from my credit, only to enter the year of XXXX with the same debt being put back on to my report from a collection agency who bought them out. Ive tried to dispute this account on many attempt.Ive spoke to all credit bureau, and this collection agency regarding identity theft. I have not received anything via mail as I requested. With this being on my credit it is making it very hard for me to find a home for myself and my child. It has put me into XXXX, and they are not showing any compassion of trying to get the issue resolved. Instead they are harming my credit by constant updating it every month, which goes against FCRA ( Fair Credit Reporting ACT )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account ( XXXX XXXX ) belongs to someone with the same or similar name. Please delete this account.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX I did not grant them permission to use my personal information. This is a violation of 15 usc 1681. I demand this account be deleted. This account was involved in a class action law suite involving theft of services unpaid interests payments.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer. I am now opting out any and all authorization. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802 I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information Account name XXXX XXXX Account number XXXX to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the XXXX XXXX XXXX XXXX, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to SYNCB/PPC about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Product: Credit card or prepaid card

Every year They charge me for a annual fee, last year when I spoke to them, he said it will not be charge now onwards. But again to my surprise, they charged me. {$39.00} on XX/XX/2018. 
I called asking them to remove the charges today ( XX/XX/2018 ), she said that can not be done. 

Can you get me refund please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that co-guarantor on a loan from XXXX. This shows up on my credit report as a student loan. I reported this as an error through XXXX XXXX and the response back from XXXX was " It looks like this item is actually correct and that it 's going to stay on your credit report ''. I have not co-signed or guaranteed any student loan from XXXX and have requested a copy of the fully executed loan agreement with XXXX that bears my signature. This documentation has not been provided back to me because it does not exist. I demand that this be removed from my credit report! Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed in a letter sent due to a previos CFPB complaint to remove the account information and inquiry from my credit bureau for the XXXX XXXX XXXX. The credit inquiry still appears on my XXXX credit bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate and incorrect information on my credit report, which I have addressed previously without resolution. 

Specifically, I contest the following details : Addresses : I have never lived at XXXX XXXX XXXX XXXX XXXX, PA XXXX Accounts : I do not recognize or have any affiliation with the accounts listed under : Account name XXXX XXXX XXXX XXXXunt number XXXX Account name PXXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX I have attempted to explain this issue before, but your responses indicated that the information was verified as accurate. However, I can assure you that this information is incorrect, and I have never been associated with these addresses or accounts. 

Please investigate this matter further and remove any inaccurate information from my credit report. I am happy to provide any additional documentation or evidence to support my claims. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

This is a formal complaint to express my inclusion in a class action lawsuit against Zelle regarding its mishandling of consumer disputes, inadequate security measures, and negligence in resolving fraudulent transactions, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit. I demand to be fully accounted for in this case and reimbursed in full for the financial losses I sustained, with the reimbursement deposited directly into my new XXXX XXXX bank account. 

Facts of the Case 1. Background on fraudulent activity : Several years ago, unauthorized payments totaling {$7500.00} were made from my account through Zelle without my authorization. I immediately reported these transactions to my financial institution ( the issuing bank at the time ) and Zelle. Despite my repeated attempts to resolve this matter, my claims were dismissed, and no investigation or reimbursement was ever provided. 
2. Reporting attempts : I engaged in XXXX separate online chats with Zelle representatives to dispute these transactions. 
I attended XXXX in-person meetings at my bank to report the fraudulent activity. 
I made multiple formal reports to both Zelle and my financial institution, but both failed to take corrective action or investigate adequately. 

XXXX. Lack of access to documentation : The financial institution at the time does not allow access to receipts or transaction records older than XXXX  months, making it impossible for me to retrieve additional evidence for my case. This policy has further obstructed my ability to hold the responsible parties accountable. 
4. Personal and financial impact : The failure to resolve this matter has put me in an extremely vulnerable position. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The stolen funds were essential for my livelihood, and their loss has caused significant financial hardship.

5. Decision to discontinue service : Due to XXXX  failure to resolve this fraudulent issue and the lack of accountability displayed by my previous financial institution, I discontinued my service with that bank entirely. I have since opened a new account at XXXX XXXX, where I request all reimbursements to be deposited. 

Demand for Accountability I demand to be included in this class action lawsuit and fully reimbursed for the {$7500.00} lost due to XXXX  negligence. Additionally, I seek assurances that Zelle will improve its security measures, provide transparency in disputes, and take accountability for the protection of its users. 

The XXXX  findings confirm that Zelle has repeatedly failed to safeguard its platform and its customers, allowing scammers to exploit vulnerabilities. This lack of action must not continue, and I intend to seek justice for the financial and emotional harm I have suffered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, unknown inquiries on report
Product: Debt collection

I am contacting you regarding a concerning issue with my credit file. I've noticed a collection entry from your agency that I was not previously aware of, and I have serious questions about the accuracy of the claimed debt. Under the Fair Debt Collection Practices Act, I am exercising my right to request debt validation. 

I formally request that you provide the necessary validation and take appropriate steps to address this matter. Please note that a comprehensive response, including all requested items, must be furnished within 15 days of this letter 's date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 personal accounts that are removed from my credit report. It has been removed for a while now. 
XXXX XXXX XXXX was opened XXXX XXXX Limit {$30000.00} XXXX was opened XX/XX/XXXX Limit  {$30000.00}
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXXDebt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Prepaid card

Received a {$200.00} prepaid XXXX XXXX XXXX XXXX as a gift a few years ago and have never been able to use it in-store and online. The card is declined each time, yet the balance at " www.prepaidgiftbalance.com '' still shows the full amount is available. 

Calling the customer service number on the back of the card does not provide any opportunity to speak to someone and address this problem. The troubleshooting link on the company 's website does not allow me to proceed after entering the card information, and instead displays an error message that they could not process my request at this time.
Product: Credit reporting or other personal consumer reports

All three credit bureaus Equifax, XXXX and XXXX override my disputes on fraudulent and inaccurate accounts on my credit report, I have submitted numerous disputes but with no explanation they continue to rule against me. This has destroyed my credit and business and living Oppurtunites. I am in the process of filing a class action lawsuit and will be filing a complaint with the Federal Trade Commission. 
I am a government employee and I had to freeze my credit just to try and protect myself, one case I paid off my home and they decreased my credit score they penalize me for not having a large amount of debt, need help!
Product: Mortgage

I have asked, begged and pleaded with XXXX XXXX to help me keep my home, I keep getting denied, I have sent all the proof of my problems and have not received help at all. I want to keep my home, and can bring arrears current in 4 months if given a chance, but this horrible horrible company will not help me. They say liquidate your house, I am in home hospice, I am dying with a diagnosis of 6 months or less, I have a terminal illness ( all proof of this diagnosis sent to company ) and they refuse to help me, I am asking for a suspended foreclosure, be allowed to make payments and in 4 months my account will be current. But for this company they want to throw me in street. They dont care,
Product: Checking or savings account

I was at the gas station I try to use my chase bank card for gas. It was declined so I called the bank and the Bank told me your account will be close until further notice we already cancel your card. I never received any notice from them stating my account will be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIELD ( 25 ) FCRA Compliance/Date of First Delinquency - XXXX XXXX is reporting an inaccurate Date of First Delinquency to two major Consumer Reporting Agencies XXXX XXXX XXXX XXXX  ) and Experian has no date of first Delinquency at all. 

The Date of First Delinquency for XXXX XXXX XXXX  shows as XXXX XXXX which is inaccurate reporting according to FCRA Compliance. The file is not aging correctly and is affecting my credit scores.The Date of First Delinquency is used by the consumer reporting agencies to determine when delinquent data is to be deleted, pursuant to the Fair Credit Reporting Act ( FCRA ) and Date of the first delinquency with the original creditor that led to the account being sold or placed for collection. The format for XXXX is XXXX and the exact date should have been provided for this account for accuracy. 

Also for the account on the Experian report XXXX XXXX XXXX XXXX ( XXXX ) account status shows {$1200.00} past due as of XX/XX/XXXX. I have not been in communication with the collection agency to establish any arrangements to pay therefore a past due amount should not be reflected on this account. 

On the XXXX report for the same account XXXX XXXX XXXX XXXX  ( XXXX ) Amount Past Due shows {$1200.00}, as stated above I have not been in with the Collection agency to establish any arrangements, therefore they should not be reporting a past due amount. 

The FCRA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information and only inaccurately reported accounts should be deleted. In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the day commencement of the delinquency on the action that immediately preceded the action.FCRA 623 ( a ) ( 5 ) ( A ). 

Since Experian ( XXXX ) was not provided the Date of First Delinquency for the account with XXXX XXXX  within 90 days after furnishing the information for this account as required under the Fair Credit Reporting Act FCRA 623 ( a ) ( 5 ) ( A ), the account should be deleted from all three Consumer Reporting Agencies to preserve the integrity of my credit Portfolio and accurate reporting.
Product: Credit reporting or other personal consumer reports

My bank account closed due to negligent funds. I repaid the debt in full. The bank manager gave the authority for me to open another account with the bank. When doing so, I was still in the system, XXXX XXXX  and XXXX XXXX, and my credit reports of owing M & T bank the funds that i had paid off. I was denied a bank account.