23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I asked commonwealth financial for info on this acct and they could not give it to me. I asked if they had signed hipa form and they stated they did not. Told me to call original creditor. I called XXXX XXXXXXXX XXXX and after being transferred and on hold for over 45 mins they told me they have NO OUTSTANDING BILLS for me. XXXX from their office told me to call XXXX I spoke to XXXX and he said he sees were this was disputed but they keep confirming the debt. He told me to call CFPB and file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Transunion and XXXX to verify a bankruptcy on my credit report. I also requested for them to send me any information regarding there decision on the outcome. All they send me is a letter stating they verified it with a third party lender. They failed to respond to my request accordingly and chose to ignore what I asked for. Leads me to believe they never verified the information as requested.
Product: Credit card or prepaid card

I am writing this statement in regards to the fraud I experienced back in XXXX of XXXX. From that time till XXXX, someone had accessed my account without my permission or knowledge and stole {$14000.00} ; which was money I had been saving to pay for school and basic living necessities. This account was a prepaid XXXX card from California. I received a letter stating that Bank of America had reviewed my claim and had made a decision that no error had occurred and that the transaction was authorized. This is a completely false claim. 

Some evidence that points to fraud includes the perpetrator using a fake email account to get into my savings. The second information I was able to receive access to with help from one of the employees was that the sum of money was taken out of my account and deposited into another account with the last four digits being # XXXX. Unfortunately, I was unable to receive more information on the specifics of the perpetrators ' account but I crossed-referenced those last four-digit numbers to the numbers of the only other bank account I have. This account is with XXXX, and the last four digits of my checking account did not match the one mentioned above. On XX/XX/XXXX I sent in an appeal to the bank with attachments that included my personal statement, a copy of the police report I had made, and images of all the transactions made during the time the money was stolen from my account ( XXXX XXXX ). 

On XX/XX/XXXX, I received a call from Bank of America stating that they had reviewed my appeal and still stand on their initial response that no fraud had taken place and that the transaction was authorized. They had also stated they did not receive a police report but I had filed everything together and faxed it to the fax number they had provided for me. I now feel very helpless and anxious, unsure of what to do next. As a student, I do not know how I will be able to pay for school and basic living necessities, that is why I am using the resources that are made available to me by filing this complaint to the Consumer Finance Protection Bureau.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX CARD Account Number : XXXX Date of Charge XXXX Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Transunion and provided XXXX that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Please take out these inquiries. I'm unaware of them, and the company acted without my consent.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the 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 this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( XXXX ) XXXX.
Product: Debt collection

Back in XX/XX/2021 I received correspondence from MOHELA, a department of Education Servicer stating welcome to Mohela. I sent over a certified letter requesting validation which has my signature in wet ink. Mohela sent over correspondence stating my request is in process. Today I received another correspondence stating that they enclosed information that I requested. As you can view as well. Mohela failed to provide me with the Validation that I request. In the documents that they sent over it states that the following documents are under separate cover : Payment History and Master Promissory Note which is not what I ask for. This does not show Validation. 15 U.S.C 1692g Sec .809 ( b ). I also would like to bring up the inaccuracies reporting on my credit report from this creditor. XXXX I have no student loans debts. XXXX is reporting a different creditor which I have to deal with as well. This creditors just places an items on my credit report without validation or verification of debt. As a Consumer I have rights.. 15 U.S.C 1681q,
Product: Mortgage

In XX/XX/2019, I called my mortgage company because I was starting to fall behind. They informed me that they could not offer me any options to help me. I asked them whether or not they had heard of XXXX XXXX Michigan ( my state 's hardest hits fund program ). They stated that they had not heard of this even though they are one of XXXX XXXX  's approved lending companies that they help with. They also told me that they frown upon me receiving outside help and it could hurt me in the future. Therefore, I was led to believe that a foreclosure was guaranteed and that because I had some late payments ( 10 days or less ) they were going to use that against me in the foreclosure process.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my Consumer report that I did not provide written permission or instructions for identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - Permissible purposes for consumer reports ; In general ; In accordance with written instructions of the consumer to whom it relates. 
XXXX and XXXX are in violation of the Fair Credit Reporting Act. In addition to 15 U.S.C. 1681c- Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report, any item that is derogatory mark is not allowed into consumer reports, that is another violation.

12 C.F.R. 1022.3 defines Identity Theft as fraud committed or attempted using identifying information of another person without authority. According to the Fair Credit Reporting Act 15 U.S.C. 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' rights to privacy. '' XXXX and XXXX are a consumer reporting agency, and I am the consumer. I have the right to make sure my private information is not shared, which is backed by 15 U.S.C. 6801- " It is the policy of the Congress 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. ' As of XX/XX/, there is an Auto Loan, Unmailable addresses and phone numbers on my report that are unauthorized by XXXX and XXXX
Product: Mortgage

Background : XXXX - I signed to refinance my mortgage with XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) XXXX - LoanCare , LLC transferred my loan ( loan # XXXX ) to XXXX XXXX  XXXX ( transferred loan # XXXX ) XXXX - Outgoing wire sent to LoanCare , LLC to payoff my loan ( # XXXX ) from XXXX XXXX XXXX XXXX ( Transactee : LoanCare ; Amount : {$350000.00}, pay off calculated till XXXX, Confirmation # : XXXX, Receiving Bank : XXXX XXXX - Payoff Loan no XXXX ) XXXX - When I called, LoanCare , LLC agent confirmed to me that they received the payoff wire on XXXX and sent the wire to XXXX XXXX  XXXX to pay off my loan The issue started from here, in multiple instances ( email and phone ) with LoanCare , LLC agents were never able to provide me any valid evidence that, when they actually sent the money to XXXX XXXX  XXXX to pay off my loan. 

Sometimes they mentioned, money was sent to XXXX XXXX  XXXX by wire, sometimes they mentioned, a bulk check was sent to XXXX along with other payoffs. 

Its been more than 3 weeks now, I've sent more than 10 emails and called more than 20 times to both the organizations, but LoanCare , LLC never gave me a clear answer to what they did, and XXXX XXXX XXXX never responded anything apart from the flat response saying they have not received the money, even though I requested them several time to trace it back from their end. I never get a significant response from either of the organizations that they are actively resolving this issue, apart from some automated boilerplate emails. I am frustrated with both the LoanCare , LLC and XXXX XXXX  XXXX. I am not going to make any further payment on this loan, as it's formally paid off on XXXX with evidence. I am submitting a formal complaint against both the organizations to Consumer Financial Protection Bureau ( CFPB ) to take further action. I am happy to provide any further evidence from my end when needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses being reported on the consumer report is fraud and does not belong to the consumer. These addresses are shown to be connected to accounts the consumer is unaware of and did not authorize. It is against consumer rights to be reporting false information on a credit report. It has caused many problems and many denial of credit. Experian, XXXX, and XXXX have been contacted 3 times and no change.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

[ XXXXXXXX XXXX XXXXXXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX XXXX : Complaint Against Equifax for Fraudulent Reporting and Retaliation To Whom It May Concern, I am writing to formally lodge a complaint against Equifax regarding their fraudulent and malicious actions that have resulted in the wrongful placement of damaging statements and events on my credit report. As well as attempts to conceal said events, by restricting my access to their products ; as evidence will further. These actions appear to be retaliatory in nature, stemming from my previous disputes concerning their negligence and failure to comply with consumer protection laws as outlined by the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) regulations, and the Fair Debt Collection Practices Act ( FDCPA ). 

Equifax has knowingly and willfully submitted false information to my credit report, specifically, while investigating dispute, regarding a previously closed charge-off account with XXXX XXXX. They have falsely reported this account as open and currently show that I have 68 missed payments. Prior to this erroneous reporting, I maintained an excellent payment history of 100 %. However, due to these malicious actions, my reported payment history has plummeted to a mere 35 %. This unjust and fabricated alteration directly impacts my creditworthiness and financial stability. 

Despite my repeated attempts to resolve these disputes through Equifaxs established processes, they have chosen to ignore my concerns and instead continue their pattern of deception. This negligence not only violates the standards imposed by the FCRA, FTC, and FDCPA but also constitutes a premeditated effort to defraud my credit standing, leading to unjust consequences for my financial life. 

The impact of Equifax 's actions has been profoundly damaging, resulting in loss of credit opportunities, increased XXXX, and a sense of helplessness in navigating a system meant to protect consumers. By failing to take responsibility for their actions and by engaging in retaliation, Equifax has not only harmed me but has undermined the integrity of the credit reporting system as a whole. 

I urge the Consumer Financial Protection Bureau to investigate Equifax 's practices concerning the reporting of consumer credit and to take necessary action against their misconduct. Consumers deserve a system that upholds accuracy, fairness, and accountability, and Equifax 's current actions blatantly contravene these principles. 

Thank you for your attention to this serious matter. I look forward to your prompt response and action regarding my complaint. 

Sincerely, [ XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a promotional balance to be paid off and I called the company to ask what I needed to pay and the person told me. I paid it and now they are trying to charge me a back interest. The company is Wal-Mart, synchrony bank. I have dates when I called them.they hung the phone up 2 times today XX/XX/XXXX. The first time is when they was suppose to transfer me to a supervisor and the second time when I asked for a supervisor they started saying they couldn't hear me and hung up. But they was hearing me fine until I asked for a supervisor. The promotion was due XX/XX/2019 XXXX dollars and some odd cents and I paid XXXX dollars on XX/XX/2019.they are charging me XXXX in back interest.i spoke with the agent on XX/XX/2019 and they told me what to pay. They are suppose to record these phone calls.
Product: Credit reporting or other personal consumer reports

This company is reporting 5 fraud inquires on my credit report, they sent a verification letter saying 2 applications were completed over the phone however I am a victim of identity theft and will attach a picture of the mans face and name that has been using my name to apply for things and drive XXXX and other things fraudently he does not live in the same state as me so my local police cant do anything. I also did a FTC report my signature or identification is nowhere on the application I stay local I would have not needed to try or apply for a vehicle over the phone.
Product: Checking or savings account

On XXXX XXXX  XX/XX/year> I received an email stating that there was an over draft fee for XXXX ( my business ) but the account number noted was for my personal account ending in XXXX. 
A few minutes later i receive another email that stated i had another over draft fee for the same account but this time in the client section if had my name instead of the business name. At that point i login into my account to find that Truist has performed a force pay memo. 
XX/XX/year> : I placed a call to Truist at XXXX. I poke with a XXXX by the name of XXXX. My question to XXXX was when did my personal account get linked with my business account. Per the XXXX, she could not answer that because there wasnt a notation indicating when, why or who authorized this. Per XXXX when a request as such occurs they are required to make a notation. I politely thanked her for help and disconnected the call. 
XX/XX/year> : I then Placed a call to Truist account recovery department at XXXX. 
I spoke with a XXXX who indicated that she could not provide me with the details of my contract nor could she provide me with a copy of my signature agreeing to then recovering money for my personal account to cover fees/charges for my business account. 
I then requested information regarding the account ( Account number/Status/If they owned the account ). I was told that they sold the account to XXXX XXXX XXXX and they were collecting money for them. I then asked if Truist no longer owned account how do they have the right to collect on it for some one else. 
In summation. Truist has sold the account ( an account they cant provide any information on ) and now stealing from my personal account to recover money for XXXX count they do not own and not able to provide me any information it.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX XXXX : {$310000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$770000.00} XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$3000.00XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXXXXXX Balance XXXX {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$2700.00XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX : {$80000.00} XXXX XXXX XXXX Balance : {$76000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

609  Section/ DELETIONS TO CREDIT REPORT My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation.     Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g  ] of the Fair Credit Reporting Act of    1970 pr ovides that your credit bureau should send me all information on file that led to my credit application being denied. According to the pr ovisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurat e reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :   XXXX   XXXX   XXXX   #  XXXX , #  XXXX    XXXX   XXXX   #  XXXX    XXXX   XXXX   #  XXXX   XXXX  #  XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   Please notify  me that the above items have been deleted pursu  ant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts. If you do not remove this items in a timely matter I will file a law suit under section 617  under the color of the law.
If you have any questions or need additional information, please contact me at address noted below. There are a total of 2 pages of items with all three credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This property was sold well over a year ago. I no longer own the property and this is not an active account and should not be showing up on my credit report. This incorrect reporting of lates on an inactive account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit card

I am attempting to change my address, which they have on file for XXXX credit cards but not for this one ( Platinum ) in particular, for some strange reason. 

My issue is the bill and the payment notification WITH ACCOUNT information is being mailed to the previous address I lived at and compromising my privacy. Allowing the new people living there to access to my financial/credit card information. 

I attempted to change the address online but was informed due to my account being restrictive that I was unable to make the address change unless I called customer support. 

On XX/XX/2023 at XXXX I contacted Capital One at XXXX and spoke with representative " XXXX ''. 

I told her that I would just like to change my address. She asked me for my phone number for 'verification ', which I provided, then she told me that that number, which is my number for many years was not able to be used. 

She informed me that she could not change the old address to the new address, which mind you, is already on file with XXXX other Capital One accounts, without me 'verifying ' myself by uploading my ID to them. 

XXXX  ' also acknowledged when I asked her about this, that without that information the people who lived at the new address would still receive my bill and credit card info, as 'policy ' told her that she could not change my id without 'verification '. 

At this point I informed her to close the account. 

Which ... that's right. 

Did NOT REQUIRE ANY VERIFICATION. She closed my account without verifying it was me, or asking me for any information. 

I asked her if she realized how hypocritical and consumer hostile that was. Whereas she could cancel the account without any XXXX ', Phone # etc... but she couldn't change my address on the bill THAT IS GOING TO ANOTHER PERSON. 

She told me it was 'policy '. 

I then asked her to go paperless. Because we all know how companies bang the drum on going 'paperless '. And of course she told me .... she couldn't do that without verification. 

Unbelievable. 

Any REASONABLE person can see exactly what is going on here. I need assistance from the CFPB to protect my financial information from being mailed to an old address. Allow me to change my address. Or simply shift me to paperless billing. With out the 'fuax bs ' of needing 'verification ' to make account changes. 

If I can close my account without verification ( I could be anybody on the phone with XXXX ) I should be able to change my address, and protect my privacy and information.
Product: Debt collection

Falsely claimed to have spoken with me on the phone about a debt. I have never had any communication at all with the company.