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

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting

Equifax XXXX XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : In accordance with Federal Civil Rights Law, demonstrate that the following material appears correctly on my credit reports. Request ample documentation, ( including but not limited to : date account opened, date closed, full accounting of account, address where bills were mailed to ) from this alleged creditor. If these items appear in error, I have a cause for action because my rights may have been abrogated and violated in that case. Please confirm that this item has an address in my current credit report OR DELETE THIS ITEM FROM MY CREDIT REPORT. 

Tax Lien Status : Released Date Filed/Reported : XXXX/XXXX/2011 Reference # : XXXX Released Date : XXXX/XXXX/2011 Court : City & County Government Amount Owed : XXXX Your quick response and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX ***********
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX Continental Finance Conmpany LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

To whom It may concern. I'm currently writing to file a complaint on behalf of Professional Adjustment CO. Located XXXX XXXX XXXX, XXXX XXXX Fl XXXX. I've attempted to contact this company in regards to verifying and removing this debt. This company has yet to provided me with any sort of written documentation as to the validity of the debt as I don't believe the debt is mine. The alleged debt is for {$130.00}. The account number in question is # XXXX. I've been trying to get them to remove this error on my credit report since XXXX of XXXX. They refused to remove the debt from my credit report. On XX/XX/XXXX I contacted Professional Adjustment Co, I offered to pay the debt even though that I told them that I don't think it's my debt. In return I asked for a removal from my credit report upon them receiving full payment, they still refused a pay for deletion offer. They were extremely rude and unwilling to cooperate. I just want this false debt to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT CLOSE THIS COMPLAINT, I AM MAKING THIS COMPLAINT MYSELF XXXX XXXX IS MAKING THIS COMPLAINT NBOT A THIRD PARTY. 
So I have tried to work with the credit bureaus time and time again to get them to remove identity theft from my credit reports. they never do what they are supposed to. I am gon na end up hiring a lawyer to pursue this if you guys dont do what you are supposed to and remove the identity theft from my credit.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$250.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balanced Owed : {$900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX  XX/XX/XXXXXXXX  ; XXXX/XXXX  XX/XX/XXXXXXXX  ; XXXX XX/XX/XXXX ;
Product: Payday loan, title loan, or personal loan

XXXX is not licensed to practice business in the state Washington. Illegal loan interests ( approx 700 % ). I had two loans. 1st {$500.00} and 2nd {$300.00}. I was looking to have my 1st loan with intetest and principal amount refunded because loan was fradulent. I requested {$1500.00}. I contacted the XXXX XXXX loan manager via email several occasions. Beginning XX/XX/XXXX through XX/XX/XXXX. XXXX only refunded {$51.00} from the second loan and paid the loan in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I receive solicitation calls from NationStar, my mortgage lender since XX/XX/2009. The calls go like this : " This is NationStar. This is a recorded line. NationStar sometimes acts as a debt collector. This is a courtesy call for XX/XX/XXXX. Your mortgage is {$2200.00}. Are you aware that it is due on XX/XX/XXXX? Do you have this set up on Bill pay using the grace period? To cut down on my courtesy call volume, please tell me if you are going to continue to pay using the grace period. Your account is now coded-out to pay by the grace period '' WHAT IS THIS ALL ABOUT?
Product: Checking or savings account

On XX/XX/XXXX morning I was suppose too recieve my direct deposit from my job, I was suppose too recieve my check at capital one bank account.. I did not received any sort of explanation as too why I didn't recieve my payment, at XXXX XXXX at night on XX/XX/year> capital one sent out a email explaing that there's technical issues and everything will be taken care of as of that night XXXX next morning XX/XX/XXXX XXXX is now XX/XX/year> and there is still no signs of any money or explanation as too why it's taking so long..so I decided too call customer service they stated it would take XXXX XXXX too answer and it's been now XXXX XXXX  that I've been on hold trying too get an explanation
Product: Checking or savings account

My husband sold his company recently. The acquiring organization is based in XXXX. He received about {$320000.00} from the sale and had it deposited in my bank account, Capital One 306. We had access to the money for about three weeks, but funds were frozen just as we issued a large wire payment to repay a debt ( 2 payments, equal to {$110000.00} ) and scheduled a transfer of most of the remaining funds ( roughly {$120000.00} ) to XXXX XXXX to invest in a mutual fund. 

Conveniently for the bank - who pays us 0.1 % interest on over {$250000.00} and uses that as the basis to lend out {>= $1,000,000} at 8 % interest- they decided this amounted to " suspicious activity. '' So they closed my account. Their official justification is that my husband set up the wire transfers ( at my request, because I'm not great at that kind of thing ). 

Which is fine. If they don't want our money after 10 years, that's fine. 

They then sent us an email ( we kept a copy ) saying that a check would be mailed to us in 7 to 10 business days. That was 20 business days ago. 

Since we haven't received it, we called... we were told that our account hadn't been closed, and it was under investigation. No funds would be released until after the investigation was completed. 

So, they lied to us ... and have probably made about {$15000.00} in interest in the meantime. 

Then they gave us the phone number of an anonymous voicemail box that assured us we'd get a call back in XXXX hours. 

That was 50 hours ago. 

So, they lied to us again. 

Today, when we called to figure out why we didn't get a callback within 48 hours, the first person hung up on us. 

The second person didn't help us and did his best to not connect us with a supervisor. 

We then connected with a supervisor who... hung up on us after saying his name. 

So, where is our {$250000.00}? Why is it being investigated? Do we get a voice in this process? Why has the bank lied to us twice now? Is there a consequence to them lying to us? When can we expect our money?
Product: Consumer Loan

I took out a XXXX loan and now the company says the first five payment don, t count on the loan I would be paying 788 % interest which they didn, t tell me it is with big picture loans out of XXXX there address is XXXX XXXX XXXX XXXX in XXXX XXXX XXXX I believe its a real scam I don, t have that kind of money Sinerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE REPORTING FRAUDULENTLY.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the removal of fraudulent items from my accounts. This serves as the first follow-up attempt to address this urgent matter. 

As previously discussed, I have reported several fraudulent transactions on my accounts and have provided all necessary documentation to support the investigation and removal process. However, to date, I have not received confirmation of the removal of these unauthorized items or any updates on the progress made in resolving the issue. 

I kindly request that you provide me with a status update on the investigation into the fraudulent transactions and confirm when the unauthorized items will be removed from my accounts. Additionally, if there are any further steps required from my end to expedite the process, please do not hesitate to let me know. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX of 2022, I got an alert from XX/XX/XXXX that there was a hard credit pull filed by a company known as XXXX. I have never used or interacted with this company, as I didnt even know they existed until I saw them doing a hard pull. My credit score dropped over 70 pts for a hard inquiry from a company that I dont even know. 

I also received a notification from XXXX XXXX (XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ) that TransUnion incorrectly performed a hard credit pull XX/XX/XXXX, and it is now showing up on all three of my credit scores. I have attempted to contact both XXXX XXXX, TransUnion and XXXX, but the phones are either down, busy ( wait over 3 hours ), or a recorded message. I have work, so I am unable to sit on hold for 3 hours. 

This is especially bad for me, as I am in the process of acquiring a mortgage loan for a new build house, and any major ding on my credit score puts my loan in jeopardy. I have reached out to my mortgage loan officer to inform her of this and I am waiting for a reply.
Product: Mortgage

In XXXX of 2023, I realized that it was going to take much longer to return to work after being laid off from XXXX. This was contributing to my financial runway becoming more of a challenge to make payments. When I requested a forbearance, it was denied then later they offered making payment arrangements, what was unclear to me was the gross amount of daily interest being calculated against this loan product which became known the moment I put the house on the market and needed a payoff quote. It was then I realized that over a 5 month period of time this loans compounded interest accumulated to $ XXXX, which is predatory lending at its best. I requested forgiveness of this interest. The company was very slow to produce a payoff quote after multiple request by myself and the title company with zero ability to rush thereby causing the closing date to move on several occasions, while the interest continued to accumulate. While I am fully responsible for late fees and potentially some amount of fees associated with late payments but to amass this level of interest is highway robbery at its finest and Shellpoint should be penalized for this practice. My loans interest rate was 11.75 % already 3x of the going market rate, and that loan product already accounted for risk of default, to double down with daily default interest calculation on top of this high interest rate is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - XXXX reports updated information to XXXX, Experian and XXXX  changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how XXXX is reporting different late payments to XXXX and Experian. Please help me to have all late payments removed from my credit reports.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). The lawsuit highlights significant issues with the platform 's dispute resolution processes, which I believe warrant immediate attention and action. 


As a user of Zelle, I am troubled by the allegations of inadequate dispute resolution procedures, which can leave consumers vulnerable to financial losses and frustration. The CFPB 's lawsuit underscores the need for Zelle to reassess and improve its dispute handling practices to ensure that consumers are protected and treated fairly. 


Specifically, I urge Zelle to take the following steps : 1. Review and revise its dispute resolution procedures to ensure that they are clear, concise, and consumer-friendly. 
2. Provide consumers with timely and transparent communication regarding dispute resolution outcomes. 
3. Ensure that consumers have access to a fair and impartial appeals process. 
4. Enhance employee training to ensure that customer support representatives are equipped to handle disputes effectively and efficiently. 


I hope that Zelle will take my concerns seriously and take prompt action to address the issues highlighted in the CFPB lawsuit. I look forward to hearing about the steps Zelle will take to improve its dispute resolution processes. 


Sincerely, XXXX XXXX
Product: Bank account or service

Re : Fraud Claim XXXX Bank of America ignored fraud activities on my account I discovered some fraud activities on my checking account. I opened a claimed with the fraud department. An analyst named XXXX took the case, She denied the case with no explanation. I had to call multiple times where I requested to speak with the analyst to see why the case was denied, She is was able to Instant Message with the rep I was on the phone with, but would not return my calls, or explained why my case was denied. It 's been five days, and I still do n't have a concrete answer why my case was denied. Someone took my phone and was able to penetrated through my phone to add an account and make a transferred of {$400.00}. The name of the account is XXXX XXXX, I did not make this transaction nor did I authorize this transaction. The rep stated that I authorized someone to make that transferred which is not true, she also stated that I made transaction before and after that were not reported as fraud. But this one transaction was done without my permission or consent. This transferred is fraud, and they would not relooked at my case or correct the transferred.
Product: Credit card or prepaid card

XX/XX/2018 To : Federal Reserve Bank, XXXX consumer finance This is a complaint Against HSBC Bank. USA, N.A XXXX XXXX XXXX   XXXX, XXXX  XXXX.

In the last few weeks I experienced difrential and unfair treatments by HSBC bank caused me great stress and aggravations.

I tried to reach the bank for a number of days to close the recent card sent me without any success. ( card No : XXXX ).

I applied for a credit card about 6 weeks ago. I received the approval and the credit card thereafter. I activated the card successfully. Days after a found that a block was done on my credit card. When I called a representative requested identifications of my address and my driver license which I did send them to the website they provided they emailed to me. Days later a representative told me that they did receive them and under review.

For about three weeks I tried to find out if I can use the card without success.

Every time I called, the agent, I was transferd me to other agent. In each transfer, I waited 20 to 40 minutes without response.

On XX/XX/XXXX, I called the following listed HSBC numbers : XXXX ( XXXX ) XXXX at XXXX, XXXX  ( XXXX ) XXXX XXXX at XXXX, XXXX ( XXXX ) XXXX at XXXX and XXXX ( XXXX ) XXXX atXXXX. And again was not able to connect to any agent. Finally, the agent of the number XXXX ( XXXX ) XXXX informed me that my card is activated and ready to be used. Later, I tried to charge {$100.00} to XXXX, the charge was declined.

This caused me real anguish and distress. Therefore, I decided to call to cancel the card using all available HSBC numbers without any success.

Every time the agent tells me that he will transfer me to the team who handle my Account. And every time I wait and wait and did not get a response.

Therefore, I decided to cancel my card and get confirmation that my credit card is canceled and the account is closed. That to be sure that my account will not be hacked. Until today XX/XX/2018 I was not able to.

These practices by this bank represented unfair treatment and disregard of the consumer rights. Again, this would create risk of hacking my credit and hurt my credit.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Someone opened a Montgomery Ward account under my name and wrong address. My ex husband received mail and passed it on to me. I never lived at the address being sued, I also did not open the account. The account # under my name opened falsely is # XXXX Someone purchased a {$450.00} purchase that was shipped to Florida, and Montgomery Ward wants to collect payment from me. I never ordered anything from this company. XXXX XXXX XX/XX/22 I would like this account closed and my credit repaired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didn't comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and i seek appropriate redress for these violations