23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was contacted by Venmo regarding an attempt by someone to send money to someone living at a refugee camp near XXXX, XXXX. I told them it was complete nonsense. They contacted me on XX/XX/XXXX and told me that someone made a mistake but that they wouldn't do that again. 

One XX/XX/XXXX - one week later!! - they were contacting me about a {$2000.00} transfer to someone from XXXX XXXX Bank. I told them it was fraud. They refused to help me unless I provided them with a picture of my driver 's license. Which has my full, legal name, my address, and my DOB. I'm not going to provide that to them to facilitate other schemes they may have.
Product: Credit card or prepaid card

In XXXX of 2020, I had three fraudulent charges appear on my Chase United Visa. As soon as it appeared on my statement in XXXX, I contacted the company and reported the fraud, and asked them to replace my card with one with a new number. They replaced my card, and then took the charges off my card, and launched a fraud investigation. However, in XXXX, they put the charges back on my account, and claimed that these were legitimate charges. The merchant in question, who is apparently in XXXX XXXX, claimed to have a copy of the credit card in question, and proof of a signature from my son matching the signature on the back of the card. However, ( 1 ) my son ( who is XXXX ) has never been to XXXX XXXX, so could not have made these charges and produced his credit card ; ( 2 ) the signature on the charge slip is not my son 's signature ; and ( 3 ) all of our credit cards have " Request Photo Identification '' inscribed on the back of the card in place of a signature precisely to prevent fraud. Clearly, someone has spoofed the card and the signature in order to perpetuate this fraud, but despite my repeated explanations to Chase, they refuse to remove these fraudulent charges from my card.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, a check was cashed against my account for {$1700.00} that should not have been. The check came from an account whose account number differs from mine in a single digit. This has happened 3 times in the past year. I messaged TD bank through their portal asking them to fix this. At first, they said they would and urged me to not feel as irritated, yet nothing happened. I asked them again, and they said they had dealt with it on XX/XX/23, but that was for a different instance of the same problem ; at that time, they had cashed a check for {$2200.00} against my account that should have come from a different account. I have now messaged them again to fix this, yet I have gotten no response. They need to fix their software so that the scanned checks dont get account numbers misattributed to mine, and their customer service needs to do their job and basic due diligence when dealing with these false transactions. Most importantly, they need to give me my money back and stop this from happening again.
Product: Mortgage

I have a mortgage with Wells Fargo. Through an affiliated entity they have forced placed insure on my property, where insurance already existed. Unusually onerous is that they're attempting to do it in an arrears type manner. like insure now ( and a crazy price for the policy ) for a period of time in history where there were no losses ( and again, another insurance company would have faced any loss ). This can't be a legit strategy, and I suspect a whole lot of people who are completely living up to the terms of the mortgage by holding insurance become so scared through their dealings with these entities that they cough up and pay. The CFPB needs to put an end to this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX # XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
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 items 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 items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I went online to request my credit report due to adverse action. I went through the verifying screens and arrived at the place where I could access my report. A message on the screen indicated that I was not able to obtain it.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, On my XX/XX/2022 TransUnion credit report I notice 4 unauthorized hard credit inquiries- I am seeking to have these removed as soon as possible attached to this complaint are : - drivers license - social security card - address - complaint - screen shot of where they are located Please have these 4 unauthorized hard credit inquiries removed as soon as possible from my TransUnion credit report.
Product: Debt collection

XXXX XXXX XXXX sold a debt ( I DID NOT OWE ) to World Finance Corporation. I was never contacted by mail or phone by XXXX XXXX XXXX or World Finance Corporation regarding this debt. 

When I contacted XXXX XXXX about this debt, I advised them, I never had this loan with their company and I did not take out a loan with their company. I advised them this had to be the result of fraudulent activity. 

After additional research I was able to identify that XXXX XXXX was under investigation by CFPB for unfair practices who subsequently had a consent order put in place and my concern was one of the identified unfair practices. I disclosed this to XXXX XXXX who advised me they are not reporting information regarding this debt on my credit report. 

I would like to reiterate, I was never contacted by mail or phone by XXXX XXXX XXXX or World Finance Corporation regarding this debt. 

XXXX XXXX inadvertently sold a debt to World Finance that I DID NOT OWE... 

Any loan in my name during those dates are fraudulent. 

I have attempted to resolve this with World Finance and I have not been successful with them. Instead they continue to furnish false information on my credit report about an account that is not mine. My rights have been violated by this company as they did not contact me before placing this debt on my credit report. They are also intentionally hurting my credit as well by providing additional false information. ALL information supplied to the credit bureau is false
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to request that you freeze my account and not allow access unless specifically authorized by me! Additionally I would like opt out of prescreened credit offers. Please return a PIN code that I can use to unfreeze my report in the event that I would like to apply for credit.
Product: Money transfer, virtual currency, or money service

Cash app allows my card to be used in multiple locations in the timeframe of XX/XX/2022 to XX/XX/2022 between his date I was incarcerated and in XXXX XXXX and XXXX XXXX jail I did not authorize any of the transactions to To be done due to the fact that was incarcerated and had no access to no phone were on lockdown. I have from XXXX until today which is XX/XX/XXXX tried to get refunds back on the debit that was debited between those days and they keep giving me the runaround so that they dont have to pay me my money back total of over {$4600.00} with stolen out of my account by a lady named XXXX XXXX and XXXX XXXX XXXX of which are names on my cash app account for trying to use my card in this present time
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate and unverifiable item on my Experian, XXXX, and XXXX XXXX credit report. The account in question is a charge-off reported by XXXX XXXX XXXX with the account number XXXX. This item is listed under adverse accounts on my credit report and is damaging my credit standing. 

I request an immediate investigation into this matter under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. According to the FCRA, all information reported to credit reporting agencies must be accurate, complete, and verifiable. If XXXX XXXX can not substantiate the accuracy and completeness of this account with documented evidence, it must be promptly removed from my credit report. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( b ), my right to privacy regarding my personal financial information is protected. As such, I am requesting that any information that can not be verified be immediately deleted, as retaining such unsubstantiated data violates my rights under federal law. 

Please provide a written confirmation that this item has been deleted from my credit report within XXXX  days of receiving this letter. If you need further information, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
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 the 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 infeasible, thus neglecting to protect consumers.
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 consumers rights to Privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I co signed for a rental property with cherry chill properties in XXXX and was told my name would be removed from the lease after a year. My mother which is XXXX XXXX passed the following year in XXXX of XXXX. I informed XXXX hill properties of what happened and notified them that I would be moving. I also stated that my sister and brother would still be there and was told that they could live there under my moms name if they paid the rent and to give a 30 notice by email, which I did. I moved XXXX XXXX. I still kept communicating with XXXX XXXX XXXX to make the payments as I received the money while they were still in the property. After they moved which was XXXX XXXX I notified cherry hill properties by email. They were emailed before the XXXX. With no response I emailed them after the keys were left in the mailbox and the property was vacant. I received a email about charges that occurred after I notified them that the damages were there about the basement while staying in the property and no one ever came to fix that. I still have the pictures of the damages. I never received anything about a court date before the garnishment of my wages so I wouldnt be able to respond to something that I did not receive. I was never notified of anything. By the time I received a notification my wages were already garnished which cause me to fall behind on my bills at my apartment. I have my lease from when I moved in XXXX as well as a 30 day notice by email.
Product: Debt collection

Debt Recovery Solutions reported to the credit bureau that I owed {$380.00} from a past XXXX bill. XXXX claims that I do not owe anything. Debt Recovery Solutions contact phone number does not work to try and call to dispute. When researching the company, they reported false claims to the credit bureau multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Application for new credit card was submitted but credit bureaus ( all 3 ) had wrong phone number for me. Hard inquiry was submitted 3 times. Once problem was corrected credit card company agreed to submit request to remove the first two hard inquires. The only credit bureau refusing to remove the mistakes was Equifax, The other two credit bureau have successfully removed those inquires. I have even sent a copy of the letter from the credit card company which was furnished to me to Equifax by certified mail with return receipt. They are still refusing to remove those hard inquires. Inquires were from XXXX XXXX XXXX  dated XX/XX/2019 and XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

We leased a vehicle from XXXX XXXX which finances through XXXX XXXX, a dba of JP Morgan. The dealer pulled my credit twice and on the same day JP Morgan pulled it. As a result my XXXX  score declined from XXXX in XX/XX/XXXX to XXXX in XXXX. 

Additionally, XXXX XXXX pulled my credit on XX/XX/XXXX even though I have no XXXX XXXX accounts open. 

These XXXX  scores are complete nonsense. I am XXXX of an XXXX XXXX XXXX, have an adequate personal income from employment, and am continually reducing hangover debt balances built up during business startup. 

I note that different lenders use different XXXX algorithms, with JP Morgan consistently choosing an algorithm least favorable to customers. 

There is no reason to have multiple credit reporting agencies making money out of their misconstrued view of my creditworthiness. Lenders should ONLY be concerned with payment record, and mine is perfect. All the rest is simply an excuse to overcharge the consumer.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Account on my credit report with all XXXX agencies / Inacurate Dear XXXX XXXX XXXX XXXX XXXX XXXX  This letter is to formally dispute an inaccurate charge-off account that has been reported to my credit file. I am requesting that you investigate this matter and remove this inaccurate information from my credit reports with all three credit bureaus ( XXXX, XXXX, and XXXX ). 

I believe this charge-off account does not belong to me. I have never opened an account with [ BIG LOTS ] or authorized any transactions related to this account or any other account showing negative on my credit report .I am requesting you verify this debt and provide documentation that proves I am responsible for this account. 

Based on the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I am exercising my rights under : Section 602 ( 4 ) : I am entitled to receive a complete and accurate report of my credit history. 
Section 604 ( a ) ( 1 ) & ( 2 ) : I am entitled to request a complete and accurate report of my credit history, and you are required to investigate any inaccuracies.

Section 604 ( a ) ( 3 ) : I am entitled to have any inaccuracies removed from my credit report.

Section 1682 ( a ) ( 1 ) & ( 2 ) : I am entitled to receive information regarding the nature and amount of the debt, and you are required to investigate any inaccuracies. 
I expect a prompt response to this letter within 30 days. If you can not provide the necessary documentation to verify the debt, I request that you immediately remove this charge-off from my credit report with all three credit bureaus. 

Please be advised that if this matter is not resolved within 30 days, I will be forced to pursue further legal action, including litigation, to have this inaccurate information removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

A charge was placed on my debit card that I did not authorize and had no physical way to do so, I have called my card issuer and expressed to them multiple times that the purchase was not made by me they continue to deny me of my request and withhold information about the transaction details and merchant details.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

PNC has made a change that limits my ability to connect savings services to my accounts.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights.

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX