23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

ApproximatelyXX/XX/XXXX I noticed that my Chase Card was charged 2x for approximately {$2700.00} each from XXXX  I immediately called Chase to Report the fraud. Chase issued a credit and issued me a new card.

2 Months later ( XX/XX/XXXX ) - a company called - XX/XX/XXXX sends me 8 worthless video games in a package with no invoice or billing slip. I found their phone number and I called them, but did not get a response. I held onto the package.

Now, XX/XX/XXXX, I am told that those boxes contained XXXX Laptops, that they were delayed shipments from XXXX  and that I now have to pay for those bogus credit card charge that Chase previously expunged from my credit card states.

I contacted the owner of XXXX   through the Internet, the owner said it was a mistake, and he said it was a common fraud with XXXX  and the owner offered to help. By information and belief, Chase refuses to contact the owner to solve this problem - even though I contacted Chase in writing with the contact information.

I am the victim of Fraud, and Chase is not doing anything but threatening my credit card with a {$5400.00} bill for merchandise I never orderd, and never received. T
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has and continues to violate my Federally Protected Rights under the FCRA that is put in place to protect consumers from false, inaccurate reporting due to the banking system depending on maximum accuracy. I have contacted Experian via phone and Mail and through cfpb in hopes of getting these Unverifiable accounts removed but Experian employees failed to resonably investigate the issue and failed to understand there FCRA Requirements for over a year time frame. You failed to do so giving me a reason to believe my information is being tampered with. My credit Report suppose to be fair and equitable to me instead you are using it for you and your Business Partner Beneficial purposes.. XXXX XXXXXXXX stated they sent you a removal of the unverifiable bankruptcy account in XX/XX/2022 and you willfully are furnishing I have been disputing these accounts the past year and EXPERIAN still fails to provide substantial proof of there claim theyve received. I have made several attempts to get Experian to comply with their obligations under the FCRA. It is very clear you are deliberately and willfully negligent in resolving my issues. According to 15 USC 1681 a-5 unverified information must be promptly deleted. I am demanding you Remove the accounts in attachment. This falsely reported/ unverifiable information has negatively impacted my livelihood as a result of denial of credit and etc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  put a fraud alert on my file without my permission. Then they sent the alert to other credit bureaus. 

I tried to get them to take it off but they didn't have a contact number other than the one I used to what they claimed to call to take a freeze off or fraud. 

When you call the number you don't get a person only a machine asking you questions to verify or the machine hangs up on you. 

I answered the questions waiting to make a freeze selection that never happened and once it collects your information it tells you it just completed a fraud alert and that it would share that information with all the other credit bureaus. 
I called XXXX to find out if there was a freeze alert or fraud alert and could not get a straight answer from them. 

I called transunion and they have my file in some special handling department that I didn't authorize and when I found out about it in XXXX or XXXX When they could not tell me why. 

I told them to take my file out of that department after speaking to several managers and supervisors. They assured me my file was removed but I've contacted them several times and each time since XXXX to now my file is still in that specisl department.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am submitting this complaint on my own behalf, without any third-party involvement. XXXX, XXXX, and XXXX are reporting inaccurate, erroneous, and fraudulent collection information on my consumer report, including incorrect names, addresses, phone numbers, and employment details that do not pertain to me and for which I have not authorized any transactions. Attached are my statement, a copy of my identification, details of the fraudulent inquiries, and a copy of my bill to assist in verifying my identity and mailing address. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft within four business days of receiving : 1 ) appropriate proof of the consumer 's identity ; 2 ) a copy of an identity theft report ; 3 ) identification of the disputed information by the consumer ; and 4 ) a statement from the consumer affirming that the information does not relate to transactions made by them. 

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

Date : XX/XX/2022 Amount : XXXX $ I am doing complaint against my XXXX XXXX Delinquency REMEX INC has someone else information not belongs to me like address and date of Birth just spoke to customer service on phone ( XXXX ) XXXX,, Dispute ref # XXXX Remex Inc XXXX XXXX XXXX, XXXX, NJ XXXX So, please resolve my issue Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Cell # XXXX email : XXXX, XXXX XXXX
Product: Debt collection

Right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I opened a business bank account with Santander Bank recently, and the banker ordered the debit card and pin to my home address, but I never received the debit card or the pin, whoever stole the card and pin through the mail, they activated the debit using the pin number, they made multiple unauthorized debits on my account, when I got the fraud alert from the santander bank, i immediately responded that it was a fraudulent transactions, but the santander bank failed to stop the unauthorized charges, I filed the claim with them twice and they just denied my claim to refund my money stating that they found inconsistencies on my account activity and documentation I provided. They did not ask me for any documents nor i provided any documents, I have been telling them from the beginning that I did not receive the debit card or pin, someone else stole debit card and pin from the mails and activated the debit and made multiple unauthorized charges, but the bank is not paying the attention to the details to recover my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a house in XXXX that is my primary residence. In the fall of XXXX, my mortgage servicer at the time ( DiTech ) called me unsolicited and offered me a 6 month forbearance on my mortgage payments due to a hurricane that had just come though. They said that they were offering this deal to ALL Florida customers. I specifically verified that this would have no adverse effect on my credit report. I also specifically verified that at the end of the 6 months DiTech would recalculate things to put the 6 payments on the end of the loan. I can only assume that DiTech recorded that phone call. 

DiTech sent me a Forbearance Agreement to sign. Before I signed it, I called them back about the verbiage that says All payments postponed during the Payment Break Period must be repaid. They said that all payments would need to be repaid but that they would be repaid at the end of the loan. Although I found the verbiage somewhat ambiguous, I trusted that what they were telling me would be accurate. 

Fast forward 6 months to XX/XX/XXXX when I called DiTech to see what my new payment would be with 6 months of interest added to my principal balance. They told me that I would have to apply for a loan modification. I told them that this was NOT what they had described to me 6 months prior. They told me something to the effect of yeah, we screwed up when we told you that, but dont worry about it and just apply for the loan modification. Even though I am paraphrasing, I am 95 % sure that they used the EXACT phrase we screwed up. I again confirmed that this would have no ill effect on my credit, and they concurred. I can only assume that DiTech recorded this call as well. 

Fast forward to a few weeks ago, and I ran my credit just to make sure there was no fraudulent activity of any type, and I see that DiTech was reporting me 4 months late on my mortgage payments in XXXX XXXX once my forbearance period ended. This is making my credit score significantly lower than what it would otherwise be, and has caused me to financial harm. 

DiTech has since transferred the servicing of my loan to XXXX who then later transferred it to XXXX XXXX / XXXX. I called DiTech and my phone conversation was unnecessarily adversarial on their part and went nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a notification that " Syncb/sams had requested my Transunion credit report. Apparently, this was a Sam 's Club credit card, I am not even a member at Sam 's Club so I wouldn't even have a reason to apply for their credit card. I called their customer  service number, XXXX, and spoke with a representative who had no record of me ever filling out an application. Afterward, on the same day, I called XXXX  for help in removing this inquiry and they said my only source of recourse was to file a consumer complaint.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of privacy, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting a violation of privacy, my financial institution and Zelle failed to investigate my claims adequately. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, # XXXX XXXX XXXX CRED U # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents regarding my complaint against the company XXXX RESURGENT/ RESURENT CAPITAL SERVICES. CFPB closed my complaint without any explanation or investigation, and this can not be legal. Please forward to the appropriate company immediately. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has 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
Product: Checking or savings account

On XX/XX/XXXX I opened joint checking account with my mother, when unrecognizable phone # appeared in my online login, I closed account unfunded. Fast forward to XX/XX/XXXX when I opened new joint checking with my mother. As no new unrecognizable phone # s appeared I assumed issue resolved & continued. When we visited local branch to add my brother -all at same address, a XXXX yr old account of my mother 's appeared that my brother & I were attached to with recognizable old phone # s. After updating account with MY phone # s only my mother & brother can access security verification. So Bank of America gave away MY phone # s, making me a guest on MY account. Now I received an email from Bank of America collection department for debt I NEVER had & since then only my landline was manually re-attached ending in XXXX BUT my cell phone ending in XXXX was not, leading me to suspect it was attached to the other person steming from XX/XX/XXXX data mishandling.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I had an business account with chase, when I went to the hospital some fraud activity happened we got to the bottom of it they opened a new account and said they were going to send my funds over to the that account they never even after giving me dates when they were going to do so. I even had the bank manager following the situation for me they told her I will get my funds n she needs not to follow this situation anymore. And I feel like Ive been left to dry sill have yet to get my funds. Just called weeks after n decided they I wasnt getting anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX  XXXX {$940.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX {$110.00} XXXX XXXX  XXXX {$19000.00} XXXX  XXXX {$12000.00} XXXX XXXX  XXXX {$610.00} XXXX  XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on 1.5 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged Identity theft not later that 4 business days after the date of receipt It has bee 30 days and you are in VIOLATION of this law because I am a victim of identity theft! please delete delete these items as soon as possible These accounts should not be furnished on my consumer report as they are in violation! Under, 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting 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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ), that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : A personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of $ ( XXXX ), that appears related to the aforementioned personal loan XXXX A personal credit card account opened at NAVY FEDERAL CR UNION on XX/XX/XXXX, under the account number XXXX An auto loan account opened at Navy Federal Credit Union XXXX XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened XXXX XXXX XXXX  on XX/XX/XXXX, with a balance of $ ( XXXX ), that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX  under the account number ( XXXX ). 
A collections account opened XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$74.00}, that appears related to the aforementioned personal loan account opened at XXXX XXXXXXXX XXXX XXXX  under the account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of these items are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing another complaint with Transunion. I ask this company to verify how and who verified a Bankruptcy on my credit report. I need this information and per the FCRA, Transunion by law is required to provide this information. I am not asking for any information from any creditor. I am asking how did Transunion verified such information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A section 2 it also states the a consumer reporting agency can not furnish an account with out my written instructions un 15 USC 1666B A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I was trying to send money to my brother for some shoes he bought me, when I miss clicked and hit someone elses name and didnt notice until I already sent the money tried to contact Zelle to see if there was any way I cant get it back to send it to the right person but ended up just loosing {$180.00}