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 XXXX Account Number:XXXX  has violated my rights. Or a 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: Money transfer, virtual currency, or money service

What happened was that somebody hack a log of peoples account and stole our money. They used my zelle account to transfer money from XXXX account and send it to mine and then send it to another one. My money is gone and the money from the person before me is gone too. 

Now Im receiving calls from that they stole the money saying that they gon na kill me and blaming me. When the same is happening to me, they dont let me explain they stole my money too. All my money is gone too.
Product: Debt collection

Refuse or unable to validate debt, Ignoring my request for debt validation a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation
Product: Debt collection

In     XXXX   XXXX   2016, I was called by Transworld Systems to set up a payment plan to pay off the remaining balance of having my   XXXX   XXXX   XXXX  . I set up a payment plan for six months, of {$230.00} and change. I then paid six out of six payments in full and on time. Thinking I had completed paying off that debt, I forgot about it, and thus did not anticipate a letter of closure on the account.
 XXXX 
Months later, I receive a phone call from Transworld Systems stipulating that I owe an amount of {$31.00} and change. I asked where the money had come from, as I had paid six out of six payments in full and on time. I was informed that the amount was previously uncalculated interest on the debt.
 XXXX 
I then asked why I was n't informed there would be a seventh payment of just accrued interest, they did n't know. I asked why they had n't incorporated the interest into the monthly payment like every other loan I know, and they said they did n't know the interest rate, that it was calculated by the system the company had acquired.
 XXXX 
I asked what system that was, they could n't or would n't disclose that information.
 XXXX 
The manager assured me that since I had made six out of six on time payments and in full, he would have a letter of closure sent to me, and that I need not pay the remaining interest, interest that I had not been informed of at the beginning on the process.
 XXXX 
Within the week, I was called again. I called back during my lunch break, at this point livid and irate. They said they could not close my account until I had paid the interest.
 XXXX 
I informed them I was on lunch and would call them back when I had more opportunity to discuss the matter. I asked their business hours for Saturday, and in error I was told they were  XXXX  to  XXXX  Eastern ; they are actually  XXXX  to  XXXX  Eastern.
 XXXX 
All calls were recorded for quality assurance purposes. They properly announced themselves and that that their intention was to collect a debt.
Product: Credit card or prepaid card

BB & T  opened an account in my name with my social security number and a fraudulent address. I have called them several times and spoken with XXXX XXXX at the fraud department explaining I have not opened this account. I have filed a report with XXXX XXXX report # XXXX. I have frozen my credit reports and added a fraud alert. I have called social security. I have called BB & T  with the assistance of an agent from XXXX XXXX. The account is still open and they have not contacted me in any way.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act conversion account name XXXX XXXX XXXX, account number XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Checking or savings account

On XX/XX/24, our joint USAA checking and savings accounts were fraudulently compromised by unknown entities. The unknown entity completed up to 12-15 transfers and debit deductions from our accounts totaling {$12000.00}. Leaving our accounts balance with less than {$500.00}. We've disputed these charges to USAA and FDIC to recover funds appropriately. On XX/XX/24 USAA processed adjustment credits to our accounts in the {$12000.00} on XX/XX/24. However, we've been charged overdraft protection fee of {$8000.00}, due to an advised transfer by USAA to a alternative checking account as a emergency precaution to enable us to have funds to pay bills. The funds was debited into our XXXX account. However we never were able to utilize the funds, as USAA quickly paid the {$8000.00} OD transfer fee.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My current loan to value ( LTV ) ratio of my mortgage is " at or below 80 % '' according to my bank. The equity that I have paid into my mortgage is about 22 % now. However, my bank wo n't cancel my private mortgage insurance ( PMI ). I 've never had a late payment in the almost XXXX years that I have had this mortgage. This costs me {$140.00} per month.
Product: Debt collection

Collection Agency - XXXX XXXX XXXX XXXX Original Creditor - XXXX XXXX Hospital Date : XX/XX/2013 Amount : {$720.00} In XX/XX/2013 this medical bill was included in bankruptcy I have sent paperwork to the Original creditor with no response over the years. 

" The Credit Bureau failed to provide me with a proper investigation. Under section 611 ( 5 ) ( A ) of the FCRA - you are required to '' Promptly Delete all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This not a DUPLICATE report and this is not filed by a XXXX XXXX. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 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. Account Name : U S DEPT OF EDXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX
Product: Vehicle loan or lease

I have repeatedly attempted to contact the company Ally Auto XXXX about my auto loan. My loan is past due and I do not want to default. When I call their automated system and attempt to speak with someone almost every time I call I get rerouted through the phone queue and asked to renter my account number or social security number, then when I do Im put on a hold to wait to speak with someone and then after holding for so many minutes the call either goes back into the queue and asks for the same information or I get hung up on by the automated queue system. I advised several agents that this is happening and its not been fixed. There seemed to be no or limited US-based agent support. Everyone I talk to is offshore support outside of the United States and this is not helping with my situation as there is language, business knowledge, and a general understanding of how financial institutions and services work in our country by persons that do not live and do business in the United States. I need help and can not seem to get it. Please help me come to a resolution with Ally in regards to getting my account back on track and an extension agreement in place and a good point of contact in the United States to work with to ensure my account is handled correctly.
Product: Checking or savings account

On XX/XX/2021, several transactions occurred involving my debit/ATM card. There were XXXX charges using the debit card at various XXXX and XXXX ATM withdrawals from Chase branches XXXX All of these took place in cities/towns distant from where I was working at the time. Chase notified me that there was suspicious activity on that same afternoon and I immediately responded asking that the card be XXXX. My Debit/ATM card was in my possession the entire time. Whatever was used during the transactions had to be a fake card. The next morning I notified the XXXX XXXX Police Department ( XXXX # XXXX ). There is a related case ( # XXXX ) with the XXXX XXXX XXXX XXXX 

The total amount of the fraudulent charges was {$2400.00} and an additional {$4000.00} was taken from the Chase ATMs. Initially Chase refunded the entire {$6400.00} to my account, but then they reversed themselves saying that the charges were not fraudulent, but that they were authorized. I have repeatedly contacted the bank in many different ways to explain that the charges were not legitimate. I have presented documentation that at the time the events took place, I was in a secure facility an hour XXXXs drive away. I showed a long pattern of use of the card. In addition the police requested and received a subpoena for video surveillance data from the Chase branches. Chase has replied that they can not produce the video evidence. Even though I have multiple accounts with the bank and have been a customer in good standing for many years, Chase refuses to consider the additional information insisting that the card could not have been cloned. There are many references showing that it is possible to fake an ATM card. 

In summary, through no fault of my own, improper, fraudulent charges were made against my account. Yet the bank refuses to acknowledge this. As an account holder, I have no leverage to get Chase to fairly consider all of the facts and take the proper action. Can the CFPB help me get this issue resolved?
Product: Checking or savings account

In XX/XX/XXXX, I opened two accounts with TD Bank a checking account and a savings account under promotional offers. 

Checking Account : The promotion offered a {$400.00} bonus for setting up direct deposits within a specific time frame. I set up direct deposits and fulfilled the stated requirements. The account continues to receive direct deposits.

Savings Account : The promotion offered a {$200.00} bonus for maintaining a balance of {$10000.00} for 90 days after the XXXX day of account opening. I maintained this balance and met the stated requirements. 
Despite fulfilling these requirements, I have not received confirmation from TD Bank regarding my eligibility for these promotions or when the bonuses will be deposited. 

Timeline of Events : Today, XX/XX/XXXX, I called TD Bank customer service to confirm whether I met the promotion requirements and to ask when the bonuses would be deposited. 
The representative informed me they could not confirm my eligibility. I was told that eligibility reviews are conducted by a third-party company, but no verification can be initiated until 180 days after account opening. 
I escalated the call to a supervisor, who reiterated the same information. The supervisor also stated they could not see the specific promotion code associated with my accounts, making it impossible to confirm the terms and conditions or my eligibility. 
I requested a complaint to be filed, and the supervisor stated that they would do so. However, they also informed me that the complaint would only involve reviewing the audio of the call and that I would not be contacted regarding the outcome. 

Issues Encountered : TD Bank representatives could not verify the promotion codes tied to my accounts or the specific terms and conditions. 
The inability to request a review with the third-party company until after 180 days is unreasonable and creates unnecessary uncertainty. 
I fulfilled the stated requirements for both promotions, but TD Bank has failed to provide transparency or confirm my eligibility. 
As a customer, I should have a way to verify that I met the promotional requirements and know when I can expect the bonuses. This lack of transparency and delayed resolution seems like a deliberate attempt to withhold promotional funds. 

Actions Taken : I complied with all requirements for the promotions as stated at the time of account opening. 
I contacted customer service and escalated the matter to a supervisor. 
I requested confirmation of my eligibility and asked for a complaint to be filed.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my XXXX XXXX  and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I XXXX. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my XXXX rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered XXXX XXXX as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I ordered a copy of my report inXXXX XXXX, I found out that credit reporting agencies still indicate my dispute of information in my credit report. Again, I was a victim of identity theft and this is another request to block the ITEMS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any ITEMS not later than 4 business days after the date of receipt.Also, the information provided on some ITEMS are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following Items listed below needs immediate action and block these from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX DAte of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute of Fraudulent Accounts Impact from Data Breach Dear Transuion Dispute Resolution Team, I am writing to formally dispute fraudulent accounts that were opened in my name as a result of the XXXX XXXX breach. After becoming a victim of this breach, I have identified unauthorized accounts linked to my Social Security number that I neither opened nor authorized. For your reference, I have attached a copy of my Identity Theft Report. 



Below are the details of the fraudulent accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that these accounts be immediately blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. Failure to resolve this issue within the required time frame will leave me no choice but to consider legal action, including pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This includes claims for violations such as : Defamation of character Negligence in safeguarding identity data Violations of 15 U.S. Code 1681o, 1681n ( b ), 1681c, 1681a ( 4 ) Non-compliance with 15 U.S. Code 1692 ( g ) Failure to meet verification standards outlined in 15 U.S.C. 1681i ( 7 ) This matter is both urgent and time-sensitive, and I appreciate your prompt attention in resolving this dispute. Please confirm the removal of these fraudulent accounts at your earliest convenience in writing. 



Sincerely, XXXX XXXX ssn # XXXX
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 recovery lost funds was impossible and that tracking these transactions was infeasible. The CFPD 's findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I discovered incorrect information being reported on my credit report. I sent letters that were received in XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.
Product: Checking or savings account

Capital One banking deposit issues persist, I have automatic bills coming out but have not received my fund from direct deposit. I have XXXX access to my money.
Product: Debt collection

Insufficient effort was made to notify me of my debt. As a result, I did not receive notice of my right to dispute the debt, which is required by law. The first communication I received regarding the debt was a notice of license suspension received from a tenant at a very old address who tracked me down ( apparently they are better at skip-tracing than MCSI ). 

The phone number that was used to attempt to contact has not belonged to me for over a decade. No further attempts, that I am aware of, were made. 

When I called to request this information be forwarded to my correct address withing five business days, my request was refused. 

Please see the attached document for a record of the notification ( Dated XXXX/XXXX/16 ) mailed to outdated address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following Only XXXX Addresses are associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex ====================================================================Following Addresse is NOT associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX ================================================================== I did not apply to this merchant this unauthorized by XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ) XXXX
Product: Debt collection

The account I'm being accused of is not mine. I'm trying to get it off my record, I'm a victim of fraud.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realize that i had damages on my credit report according to the fair credit law 15 USC1681LAW there should not be any damages on my report. Its a defamation to my character. And this is a federal law violation. This have me emotional and stress now I am homeless.