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

In XX/XX/XXXX I made an escalation report with XXXX spouse again to bank of America XXXX XXXX XXXX in person XXXX  XXXX va from my fraud original report in XXXX XXXX manager Bank of America has denied a credit card opened in my name of XXXX and last payment recorded was XXXX on XXXX. The year I first reported fraud and identity theft to police and all credit agencies and the FTC and office of comptroller USA and federal law enforcement USPS crime unit for us mail theft. Of over 240 k from XXXX and XXXX and XXXX settlement payouts plus a XXXX XXXX XXXX broker account opened in my name in XXXX as per XXXX XXXX at XXXX XXXX XXXX. I sold XXXX XXXX follars of XXXX stock in XXXX NOT XXXX AND IT IS NO WHERE DOCUmeNTED with XXXX XXXX XXXX XXXX XXXX agent XXXX nc. And they sent me a piece of paper with stating account opened XXXX {$3700.00} balance and a check issued in approx XXXX. I never received this either. The FBI left me a message in XX/XX/XXXX reporting they had evidence of suspicious activity on my SSN #. 
THE BOA ESCALATION REPORT HAD MY SOLE ACcounT OF XXXX OPENED in XXXX. I inquired. No response. There was other incorrect phone # nfo and addresses on my screen for my escalation report in XX/XX/XXXX with spouse. It stated updated in XXXX to XXXX   XXXX  XXXX. I have not lived there since XXXX and I did not have an account with Boa in XXXX. AS per XXXX from boa regulatory I was promised the original signature cards from XXXX due to my fraud and identity theft in my name but i have never received the signature cards from XXXX even notifying XXXX I did not open a boa account in XXXX after XXXX intense fraud research on my XXXX in XXXX XX/XX/XXXX she stated it was opened XX/XX/XXXX. 
I have enclosed my XXXX  credit report dated XX/XX/XXXX that has on record the XXXX boa account opened in my name ( that I have never used or received just like the bank card issued to me on XXXX that I never received or used and just like re atm card I order from XXXX XX/XX/XXXX that I have never received I reported to the cfpb recently ) that boa denies as per XXXX. I finally found proof of the boa account from XXXX last payment documented on XXXX  report of XXXX XXXX XXXX with XXXX XXXX. I have never received it or used!!!!!!!!!! As I stated to XXXX and spouse.
Product: Credit reporting 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 FRAUD yet I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuits 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 infeasible. The CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$98000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX attached a screenshot of report, this is a medical collection that I disputed with Equifax they said it was Verified how did you verify this without breaking HIPPA Laws and you have failed to Enter Comments that this account was Disputed by consumer it must be entered at the time of dispute, Remove for violations for not entering consumer disputed, you can clearly see they have verified this account because last reported shows XX/XX/2022 how did you verify amount owed without breaking HIPPA Laws what PROCEDURE WAS DONE TO HAVE THAT AMOUNT, so you could not have verified this account
Product: Checking or savings account

US bank ATM ate my money during the deposit. 

1. XX/XX/2020 around XXXX XXXX  I tried to deposit cash into the ATM. During the deposit, an error occurred. The ATM swallowed my money, but the transaction was not reflected in my account. 
The amount of money I lost was {$8800.00} in total ( the first attempt was {$2700.00}, and then the ATM asked me " Deposit more? '' so I continued the second attempt, which was {$6100.00} ). That was all {$100.00} bills. Worst is, I lost {$8800.00} cash but I just only got one receipt regarding the first attempt. 

2. I reported the error to the US bank by phone on the same day ( XX/XX/2020 ). 

3. US bank provided me {$5300.00} as a provisional credit om XX/XX/2020, but they withdraw {$2600.00} on XX/XX/2020. 

4. Around XX/XX/2020. I got a letter from US bank, saying they only admit {$2700.00} as final. I can not accept the result because there was too large gap between what I lost and their final decision. 

5. On XX/XX/2020. I sent a USPS certified mail to tell US bank what happend exactly, and what's going on until now. However, US bank did not reply to my postal letter. Because I'm afraid that there was miscommunication due to the language barrier. Actually, I made several phone calls to US bank to see if what's going on with my case. I asked for getting help from a XXXX  interpreter, but the representative just ignored it. This same ignorance happened twice. 

6. On XX/XX/2020, while talking to US bank via phone, I realized there was some miscommunication on my initial claim due to the language problem. So, we corrected the amount of money that I lost at ATM, {$8800.00}, with help from a XXXX-English interpreter that US bank provided. At that time, the representative of US bank said he fixed the problem resulted from miscommunication. And he said he re-filed the claim as {$8800.00}. And he said I will receive a letter and provisional credit within 10 days. 

7. XX/XX/2020. Until now, I haven't got any reply like letters, phone calls, or credit. I made a phone call to US bank, I asked why you did not provide any information about my case. However, they just said it is still under investigation. It already past two months. 

8. It is big money to me, but they do not show any effort to solve it. To preserve the evidence, I ask them to preserve the surveillance camera film on the site until this case is resolved, but the representative said they can not handle it. 

9. I am a weak individual consumer, US bank has all the evidence and authority but they are not cooperative. It is unfair. The only means that I contact to US bank is making a phone call. Whenever I make a phone call, I have to spend about 1 hour waiting in line. And they do not give any proper answers. They are only saying it is still ongoing.
Product: Credit reporting or other personal consumer reports

In alignment with my rights under the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has received three ( 3 ) Identity Theft Reports from me with the names of unauthorized hard inquiries and they do not acknowledge removing them. They have blocked or deleted the fraudulent account but completely dismiss deleting the unauthorized inquiries. My last Identity Theft Report was sent to TransUnion certified mail on XX/XX/XXXX and listed six ( 6 ) unauthorized inquiries. TransUnion dispute results were sent to me in the mail and say nothing about removing the inquiries. The inquiries that should have been removed with the fraudulent account on my Identity Theft Report are as follows with date requested. XXXX  -  XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX -  XX/XX/XXXX, XXXX/XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I paid {$140.00} to settle a debt owed to XXXX Credit card. I was told over the phone that the entry would be removed from my credit report within XXXX  days. I waited double the time and it is still reporting. I tried to open a dispute with TransUnion and it was not resolved. I was told the information is reporting as is and I was not provided any documentation of how the information was investigated. Shortly after, they sold my account to a collection agency by the name of XXXX XXXX and I was sent a letter advising they are trying to collect a deby from me that was already paid.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

This company sent false information stating that that they presume that from my validation request, which is my right to do, that I do not wish to be contacted about this debt and they will be unable to speak with me. No where did it state in my letter to cease and desist communication. How else will I resolve such matter if I dont speak with them? This is a false tactic on their end
Product: Debt collection

Debt validation letter sent XXXXXX/XX/year>, requesting XXXX. The original creditor 's name and contact information. XXXX. The original account number associated with the debt. XXXX. The date the alleged debt was incurred and the nature of the debt. XXXX. A complete account history, including all charges, fees, and interest applied. XXXX. Proof that you are licensed to collect debts in my state. 
There was no response from the company to verify that the debt belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents including my FTC Report to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Incorrect reporting to credit reporting agencies.Have attempted to resolve issue with nXXXX XXXX XXXX XXXX XXXX with no success. I have sent them proof of payment as they requested so that they can fix issue, and after emailing proof, they are not confirming whether they have fixes the issue. They have drastically affected my credit score from a XXXX plus to a XXXX due to incorrect reporting. I have tried and tried over and over to get this resolved, but have met mostly unprofessional support from personnel. They are now sending me letters of non payment and possible reporting to credit bureaus even though my payments are made ontime every month with even extra payment towards principal. I am honestly at a point of feeling helpless as i am doing everything right and they are ruining my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am re-submitting my CFPB Complaint to express my extreme dissatisfaction and outrage at the fraudulent items listed on my credit report. It is unacceptable that several items, which I did not open or have any knowledge of, are present, indicating identity theft. The fraudulent account details, including [ list details ], violate my rights and have severely impacted my financial standing. I demand that you investigate and remove these items from my credit report without delay. Please remove the following items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX, XXXX, XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and under the Fair Credit Reporting Act, it is your legal obligation to conduct a prompt and thorough investigation. Please provide me with a written response detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

State of Michigan XXXX of XXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : Identity : I am the individual whose name appears on the credit report issued by on Experian, XXXX and, XXXX XXXX. 
Reinvestigation : I would like a reinvestigation on these account pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( b ) ( iii ). 
Dispute of Inquiries : I dispute the accuracy of the following inquiries listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made in violation of 15 U.S.C. 1681b and 1681n, as they were not authorized by me or made for legitimate business purposes. 
Dispute of Collections : I dispute the accuracy of the following collections listed on my credit report : XXXX XXXX XXXX. These collections were reported in violation of 15 U.S.C. 1692g and 1692c, as they were not valid debts or were not properly communicated to me. 
Dispute of Charge-Offs : I dispute the accuracy of the following charge-offs listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These charge-offs were reported in violation of 15 U.S.C. 1681e and 1681i, as they were not accurate reflections of my creditworthiness or were reported in error. 
Late payments : I dispute the accuracy of the following late payments listed on my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and, XXXX XXXX XX/XX/XXXX. These late payments were reported in violation of 15 U.S.C. 1666b and 1637a, as they were not the result of my failure to make timely payments or were reported in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX  CARD Acct : XXXX XXXX. ) XXXX XXXX CARD Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX BANK XXXX XXXX. ) THE XXXX  OF XXXX  XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete/block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX DOB XX/XX/XXXX
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.