23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was recently scammed by someone claiming to be a representative from Peoples Bank in the fraud dept. on XX/XX/XXXX and {$3000.00} was stolen from my checking account. 

I immediately called my bank and Peoples Bank does not have a department available for fraud after hours. The only department available to me was to cancel my Credit Card. 

On XX/XX/XXXX I called Peoples Bank call center at XXXX as they open at XXXX to alert them and to put a hold on my account. My claim # XXXX that was filed was recently denied because I gave them the access code but they already had my username. 

I have since closed both my accounts and reopened new ones at peoples as I have been banking with Peoples Bank for over 20 years. 

All the text messages and emails all had the peoples logo on them and even the phone # the called from was Peoples Bank. They stole the money by using the Person to Person and made 5 transactions at XXXX each. 

Is there anything, anything at all that you could do to help me in getting my funds back. I am not in the position to be out {$3000.00}. 

I just recently filed Bankruptcy in XX/XX/XXXX and have a huge trust payment in the amount of {$2800.00} dollars and mortgage payment XXXX all due on XX/XX/XXXX and if I default I am going to be in a bad position. 

On Friday XX/XX/XXXX I visited a XXXX branch to order new ATM cards for my new accounts that I had to open due to the Fraud breach and I dealt with a woman by the name of XXXX XXXX XXXX # XXXX. 

I was and still am in a state of disarray considering all that has transpired. When speaking with her she asked if I still had my son/kids ( due to our conversation ) and I replied yes, she then proceed to tell me she lost child and it is only money. I do not personally know this person. 

I feel that this was very unprofessional. I can not believe that an individual would use the death of her child to try to make someone feel better. 

Losing {$3000.00} is a big loss to me financially and mentally and I filed a formal complaint with the branch manager. 

When the branch manager reached out to me to apologize for his employee that is when I learned that since Peoples bank had denied my claim that they were not going to pursue any type of investigation and that I should try my local police department. 

I have attached copies of the letters i have sent to Corporate Peoples. No one would respond to me in writing only phone calls. I am also attaching the information that was entered into my account of the individuals that the money was transferred. I did not authorize this nor do I know any of these individuals. 
Look forward to hearing from you soon and if you need me to provide any additional information please contact me via email or my cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account choice recovery report to my XXXX  report which is not valid, i attempted to reach out to this company more than once and received no response regarding invalid response
Product: Credit reporting or other personal consumer reports

My XXXX loans are still appearing on my credit reports ( XXXX and Transunion ) as active. These loans were XXXX through PSLF and I received notice of this discharge on XX/XX/2023. It has been a significant time since this, including the arbitrary 90 days stated by XXXX, and there is no reason why these are still appearing as active loans on my credit report. 

I have contacted the company multiple times and have not been able to get a coherent reason as to what is happening and why these loans are still on my credit report. 

I would like these accounts closed and loans removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Im a XXXX resident and citizen who wanted to wire money to XXXX, an equity administrator for the company I was formerly employed with to exercise my stock options. 

XXXX had provided me with detailed instructions to wire money to their checking account at XXXX XXXX. The amount was {$67000.00} USD. On XXXX XXXX, I initiated this wire transfer from my bank named XXXX in XXXX. 

After waiting more than 29 business days and no acknowledgement that XXXX received my money in their XXXX XXXX checking account, I contacted my bank to issue a wire trace. My bank informed me that Citibank, which is the intermediary bank in my wire transfer, has stopped my payment for internal compliance. 

Citibank has not been responsive in resolving whatever compliance review they are conducting for my wire payment to the beneficiary bank, XXXX XXXX. 

Can someone please help me with Citibank to expedite this compliance review? My transaction is highly time sensitive and I will incur a significant loss in equity if this is delayed further.
Product: Credit reporting or other personal consumer reports

For the company to do what is fair to me as the consumer and remove the inaccurate and unverifiable information from my report.
Product: Credit reporting or other personal consumer reports

I was alerted by My Credit Guide XXXX XXXX XXXX ) and ID Shield services that there were fraudulent inquiries on my Credit Account Report with XXXX, XXXX and XXXX. These occurred on XX/XX/XXXX ( XXXX XXXX XXXX and Bank of America ), XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) and XX/XX/XXXXXXXX XXXX XXXX  ). 

I did not request or inquire about any bank loans or credit from these financial institutions. I notified all XXXX Credit bureaus of these fraudulent activities and placed a freeze on my accounts. In addition, I was informed by Bank of America 's fraud department that the recent inquiry ( XX/XX/XXXX ) to their institution was performed by a healthcare company I previously worked for and left in XX/XX/XXXX. I have not had any communication or worked for this company since leaving. They also shared that a previous account listed showed me as one of the borrowers which I was not aware of. 

In summary, these activities are clearly fraudulent and consistent with identity theft.
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 recent CFPB LAWSUIT highlighting significant issues with the platform. Despite using zelle numerous times and reporting some discrepancies numerous times my financial institution & zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings INDICATE that zelle has not only neglected to PROTECT consumers but has also allowed repeat offenders to exploit the system leaving users unknowingly VULNERABLE TO SCAMS.
Product: Credit reporting or other personal consumer reports

Cavalier Portfolio services placed a collection notice on my credit report without giving me a validation notice. I never received any form of contract from Cavalier Portfolio services, to show where I signed a contract with them for payment. I would love for these to be removed from my credit report because this is against the law.
Product: Credit reporting or other personal consumer reports

Good Day, Upon checking my credit report, I see there's a fraudulent account reporting on my profile. There are two of the same accounts associated with the same credit card- XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX in the amount of {$5000.00} both of which were opened in XX/XX/year>. I've been a victim of identity theft and did not provide authorization to the consumer to open this account. 
This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting inaccurate info.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX AND XXXX are providing false information regarding my actual situation, that is causing me a lot of emotional damage, but also their wrong information is blocking me the opportunity to get credit from banks or credit cards, because I want to build my credit but because their false information, they make me look like a risk person. I summited a banckrupcy and it was discharged on XX/XX/2022, XXXXXXXX XXXX, that erases all the debts under my name, but they continue showing old and not accurate information ignoring the judge resolution. I asked to remove that information but they insist not to remove it. Also, it was a very hard time for me to get my own reports because they took too long, more than a year to send me my information, but they do inmediatly with the banks or other agency, that is not fair, because is not only the false information, it is also the discrimination to me.
Product: Debt collection

Good morning, My complaint is in reference to a debt I owed to the company " XXXX XXXX at XXXX XXXX '' apartments. On XX/XX/XXXX, I received a civil warrant from the XXXX XXXX XXXX XXXX. The amount owed was a total of {$2100.00}. The original debt was taken over by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was summoned to court on XX/XX/XXXX. 

I decided to pay the debt in full once I was able to gather the funds and paid the full amount of {$2100.00} ( the amount that was listed on the civil suit ) on XX/XX/XXXX. Upon checking my credit history via XXXX XXXX, I noticed that my collection is still open with XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I've been charged an additional {$270.00}. 

I would like to get this removed and my credit report updated with the collection being paid in full. They've been a pain to deal with. They even sent a debt validation letter with some sort of substance inside that attracted hundreds of ants. The photo I'm attaching is absolutely disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX**********has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This is my second time reaching out to XXXX XXXX XXXX to cease and desist all debt collection until dispute has been resolved. See attachment for certified mail tracking numbers to back up my claim of sending dispute letters and to prove XXXX XXXX XXXX has been put on notice about this inaccurate account reporting to my consumer file more than ONCE. Reporting Medical debt is illegal. The thought of trusting my physician to not share my personal medical file to anyone has left me feeling betrayed. 

The term breach of security means, with respect to unsecured PHR identifiable HEALTH information of an individual in a personal HEALTH record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Remove or Block Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally report that I am a victim of identity theft. Fraudulent accounts have been opened in my name without my knowledge or consent, and these accounts are being reported on my credit reports. 

I respectfully request that the items below be investigated, removed, or blocked from my credit reports as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2. 

Fraudulent Accounts Account XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Account XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$71000.00} At the time these accounts were created, I was incarcerated and had no ability to apply for or access credit. These fraudulent accounts have caused significant financial and emotional harm, and I am taking all necessary steps to resolve this matter. 

FCRA Protection and Your Responsibility Under the FCRA, credit reporting agencies are required to block and/or remove fraudulent accounts from a consumer 's credit report once they receive proper documentation of identity theft. Specifically : 15 U.S.C. 1681c-2 states that when a consumer provides proof of identity theft, including a police report or affidavit, credit reporting agencies must block the reporting of information related to fraudulent accounts. 
Failure to act promptly can result in liability for damages, including statutory or punitive damages, as outlined in the FCRA. 
Supporting Documentation I have enclosed the following documents to substantiate my claims : A copy of my government-issued ID ( drivers license ). 
Proof of my current address ( utility bill ). 
A copy of the police report filed regarding the identity theft. 
Documentation verifying my incarceration and inability to create or access accounts at the time these accounts were opened. 
Next Steps I request that the fraudulent accounts listed above be investigated and immediately removed or blocked from my credit reports. Additionally, I ask that any inquiries or associated collections related to these accounts be removed as they are unauthorized and a direct result of the identity theft. 

Please send me a written confirmation once the fraudulent items have been blocked or removed. If additional information or documentation is needed, do not hesitate to contact me at ( XXXX ) XXXX or via email at [ Your Email Address ]. 

Conclusion I trust that the CFPB, Experian, XXXX, and XXXX will take the necessary steps to address this issue in accordance with federal law. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear XXXX, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove late payments from my account with XXXX XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of late payments on my XXXX XXXX XXXX account ( Account # XXXX ), which have been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau and XXXX XXXX XXXX comply with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00}
Product: Debt collection

There are multiple accounts on my credit report that aren't mine I don't know the account Numbers or any information for the accounts because I'm not able to even log in to any of my credit report accounts someone changed my log in information I disputed the accounts but they came back as accurate but are not mine I didn't open them. My credit score is so low and affecting my life very bad I cant rent anywhere buy a car or even get a job. My credit report even has been froze by someone other than me. I have no control access to any of my credit information and I'm not able to get any of it fixed. I have no income at all I can't afford to pay off a debt that ain't even mine I can't afford a lawyer my bank account has - {$2.00}. I shouldn't have to pay anything I should be able to have this fixed for free I shouldn't have to pay for having my information stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received inquiries letter from XXXX, XXXX, capital one, XXXX XXXX, XXXX XXXX, and XXXX 's which I did not applied for any of these credit card and I am not sure where these inquiries derived from.
Product: Debt collection

XX/XX/2021 American Collections Enterprise , Inc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Va XXXX XXXX Amount Due {$390.00} I've gotten spam calls from this company and finally called back to see what can be done and get information, First few times XXXX hung up .... 
Tried calling again on information about this debt and XXXX wouldn't answer any of my questions. I didn't feel comfortable giving my social over the phone and she proceeded to say well then I cant help you, figure it out yourself. I told her my insurance said they covered the cost and she said not her problem.She was very hostile and rude. I hung up and called again to speak to another representative by the name of XXXX who didn't care what I had to say and said I'm not comprehending anything. I said well I need information and a statement sent and she said no. I said why are you being rude and not listening to me and she cut me off again ... .. I said well then I guess I wont be paying this debt and she threatened me and said well every time you look at your credit we will bring down your points. I got so upset I started crying. She made me feel so uncomfortable and made me feel stupid. I asked her repeatedly to speak to someone else and she said no no no sorry I'm the manager you need to listen and pay off your debt. Honestly I don't want these people calling ever again and want to work with someone else. Their reviews are horrible and nothing is being done. I also had said I didn't have a job and my dad is helping me pay this. XXXX said the best I can do is take XXXX off. I said well all I have is XXXX she said well you need to tell your dad to pay the XXXX or I cant help you. When I called and told XXXX she said you need to pay full amount there is no XXXX dollars off. get a job then you can pull amount XXXX. I just don't understand. They say conversation is being recorded .... so then someone needs to hear their recordings because its just plain nasty how they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry from PRESTIGE FINANCIAL SVC I have not heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Vehicle loan or lease

After my lease was bought out by the dealer a got a new car from, Ally Financial still billed me for another month of the previous lease. After numerous calls, they finally agreed that the car was not under my possession anymore and that they will send me a check for the amount owed. I was given a reference number for the check and was told that I would be receiving it in the next couple of days. After 2-3 weeks I followed up with them and they said that they could not process the reimbursement because my account was closed and they could not get access to my information anymore.
Product: Debt collection

I have several accounts and even names on my credit report that need to be removed and updated. I believe having a common name has caused some sort of mix up with my credit report. However its causing my score to drop and Im having to figure out where this issue is coming from. I have 6 different accounts on my credit report that need to be removed. I have no knowledge of these collections or companies and Ive never given any of them my information for an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX cards, XX/XX/XXXX, XXXX  XXXX  XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit file