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

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, CoreLogic, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these changes. I demand that the items be deleted as soon as possible, to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account ending in XXXX does not show on my Experian account.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with your bureau 's handling of my identity theft complaints. This situation not only involves the theft of my personal data but also highlights your bureau 's indifferent approach to managing my case. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of these actions. Despite the seriousness and significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding my disputes has been minimal, and the responses I received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by an institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, please take steps to prevent such incidents from occurring in the future, as my personal information was clearly mishandled and abused. 

Accounts : XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

I successfully paid a my credit card in full. I was issued temporary credit of {$1000.00}. 
My payment of XXXX was sent in XX/XX/2022. It was credited to my account but did not allow my funds to be accessible. The funds were posted XX/XX/2022 but never released to me. As I did this, the company conducted a random periodic review and decided my credit needed to be reduced from {$5100.00} to {$1000.00}. Causing my credit utilization to shoot pass an acceptable utilization rate on the credit bureaus. This has causes me irreparable damage due to the fact that I rely on my funds to survive. I do believe this was done maliciously with the intent to do harm to my person.
Product: Credit card or prepaid card

I got EDD debit card ( California ) from Bank of America few months ago. 
Unauthorized Cash was withdrawn from my EDD card, even I had this atm Card whole time and no one know PIN number. 

On XX/XX/2020, {$1000.00} was withdrawn ( unauthorized ) from ATM machine. Next Day morning ( XX/XX/2020 ), I called the Bank of America customer service and reported fraudulent charge on my EDD ATM card. 
On XX/XX/2020 received a letter from Bank of America that said case was already closed. The reason was subject of fraud or suspicious activity. So they are saying they are not going to reimbursement of the fraudulent charge. 

On the actual Letter from Bank of America, the responses date was XX/XX/2020. So seems like with one business, BoA claim Dept made decision for favor of themselves. Not protecting the customer. The response letter was not saying much ... 


FYI, when I first got BoA atm Card, there was a Welcome package in the envelope. It said Zero liabilities on unauthorized charges. 

So I called Bank of America, many times but soon as they pick up the phone calls from me they hang up the phone calls. Usually I had to waited for 2hours or more for each calls. 
So I could not talk to them. 

This is totally wrong business practices Bank of America are doing now. I searched online there were countless of similar to cases of mine. Many people are speculating that Bank of Americas system got hacked.

Please investigate this Bank of America EDD Card fraud cases. Thank you.
Product: Credit reporting or other personal consumer reports

I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and Experian. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXXXXXX XXXX  who referred me back to XXXX and Experian to resolve. When I called XXXX and Experian they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXXXXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and Experian are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted XXXX XXXX  who confirmed it was never in a bankruptcy and I was referred back to Experian and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and Experian have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from Experian or XXXX. I even asked XXXX XXXX written proof that it was paid and it was denied to me.
Product: Credit card or prepaid card

While on vacation with my grandson Capital One " Restricted '' my credit card. They indicate that they have a concern that there is fraud on the account. I have verified that I made all of the purchases that are pending on my card. I have provided information to Capital One over several days taking several hours. I have authorized a withdrawal from my bank account to pay the charges that they allege are fraudulent or " suspicious. '' Within 24 hours the charges will have been both confirmed as being made by me and also paid by me. 

Capital One has indicated that it will not take the restriction off of my card until I provide them with a copy of the front and back of my driver 's license. I have refused to provide this information. I have pointed out that several of the charges they see as suspicious as being fraudulent required me to present my physical charge card AND by drivers license. Specifically several charges of concern to Capital One involve hotel charges and a rental car. Remember, these are charges I have confirmed that I made. These are also charges at locations that I have visited on vacation in the past. 

I have pointed out to Capital One representatives that I keep my credit cards and my driver 's license together. If someone stole my credit cards they would have to take a bag that I keep the cards in. In doing so, the thief would also have my driver 's license. 

This is not about a concern over fraud on my card. This is an effort to mine for personal information.
Product: Debt collection

The company continues to call me from different numbers coming from Maryland. They several times a day and sometimes leave messages sometimes they do not. They have not even given me time to respond to the written letter that they sent me. I am paying this debt elsewhere. They are calling from several different numbers for a total of XXXX time in 8 days I say that " pretty aggressive. 

XXXX XX/XX/XXXX 2 times XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX/XXXX XXXX time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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: Mortgage

My mortgage company Ocwen Servicing sent me correspondence stating my Homeowner coverage was insufficient for the mortgage on my home. My dwelling coverage is {$88000.00} with XXXX XXXX XXXX. My mortgage loan balance is {$86000.00}, my coverage is insufficient per Ocwen. Ocwen paid a portion of the homeowner annual premium on my home and not the annual premium of {$1100.00}. Please Please address this problem with Ocwen I do not want my policy to cancel. See attachment Ocwen has been is a awful mortgage company and they do not try to assist their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

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I I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS S TATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Checking or savings account

On XX/XX/XXXX two unauthorized transactions occurred using my debit card link to my bank account. The first transaction was for {$990.00}, and the second transaction was for {$250.00}. My debit card was also link to XXXX XXXX since I use them in the past to send money to friends and relatives. The money that was taken out of my account was transferred to XXXX XXXX, and a Bitcoin was purchased and then cashed out to an unknown recipient at XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX   via email ( that was the only means of commination ), and explained the situation, and they said they will reply to my email in 24 hrs. Also, on XX/XX/XXXX, I notified my bank ( Arvest ), and the woman I spoke to was friendly and apologetic. She informed that since the pending transactions were link to debit card instead of my bank account she couldn't stop payment, but she told me that once the transaction posted I could file a dispute ; get my money refunded back into my account. Once the transaction posted, I filed a dispute with Arvest bank, and they denied the dispute. They informed I need to go to the merchant since it was there system that was compromised. I called the Arvest bank ( the dispute department ) and spoke to XXXX XXXX a dispute Specialist and explained that I was still waiting for the merchant ( XXXX XXXX ) to reply, but I was told by one of their employees that once I filed a dispute I would get my money refunded back into my account. XXXX informed me to file a second dispute and file a police report since hacking ; or compromised system is the same as theft ; include that information in the second dispute and it will increase my chances of my second dispute being approved. I filed a second dispute and included the information such as police report, screen shots of the unauthorized transaction, and emails I received and delivered to XXXX XXXX security, and the second dispute was also denied. On XX/XX/XXXX XXXX XXXX finally concluded their investigation, and came to the conclusion that my XXXX XXXX was in fact compromised, and they recommend me filing a dispute with my bank ( Arvest ) which has already be done twice, and I emailed XXXX XXXX to let them know, and I haven't received an reply as of XX/XX/XXXX. I contacted XXXX XXXX to help me investigate this matter, and they recommend I file a complaint against the Arvest bank. Arvest back hasn't given a clear reason as to why they can not refund my stolen funds back to me. I just hope to get my stolen funds back ; prevent this from happening to someone else. This ordeal has been time consuming and frustrating, so help someone can give me answers, and bring be some closure.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX sent a letter to XXXX asking for Validation of the alleged debt they are accusing me of owing along with a completed audit trail and they have refused to provide me of the documents. However they are reporting this alleged debt to the consumer reporting agencies tarnishing my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple accounts and Inquiries on my report from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  Then there is a Auto Loan from XXXX XXXXXXXX XXXX which states its 30 days late in XXXX  30 days late in XXXX then 60 days late in XXXX which is not even possible
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP GET THIS INFORMATION CORRECTED ON MY CREDIT REPORT. THE CREDIT BUREAUS ARE NOT DOING THEIR JOB AND GIVING ME THE RUN AROUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Equifax a letter stating I wanted a investigation into 5 of my accounts that I feel are inaccurate. Its now 45 days and I haven't gotten a response from them about my investigation
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 16c-2, Ive identified inaccurate details on my credit report that are harming my credit standing. The hard inquiries were not authorized by me.
Product: Credit reporting or other personal consumer reports

My identity is stolen and someone somewhere is using it to apply for XXXX XXXXXXXX XXXX and XXXX XXXXXXXX credit card as me. It seems they have collected a loan from XXXX and trying to create bank accounts using my information. I have received alert from experian of hard credit inquiries which is affecting my credit score badly. Please I need help. Thank you.
Product: Money transfer, virtual currency, or money service

I opened an account on XX/XX/21 transferred funds and then was requested to provided personal documents for verification of id, at which time I was informed to please wait while they verified. Other companies request this info before being able to transfer funds. Keep in mind this is asked AFTER transferring funds. The longest I've had to wait for other firms to verify is 12 hours. 
Since then I have not received any indication of status of my verification and any request through support is responded to by a generic email response. I tried withdrawing my funds but I am unable as they say my id must be verified. 
This seems like a big issue as there are many complaints on social media regarding their verification process.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according tXXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX bal. {$17000.00}, XXXX bal. {$240.00}
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX in attempt to notify of my current XXXX XXXX XXXX movement during my XXXX. I was on restricted movement traveling and had minimal access to phones and internet. I was charged late fees and my credit report was marked with a 30 day delinquency. Ive been trying to resolve this issue and am being told that there is nothing they can although the account is current.
Product: Money transfer, virtual currency, or money service

I do not have all the dates, but it has come to my attention that frequently my recipients in XXXX do not receive the full amount due to a XXXX XXXX  imposed by XXXX on foreign money transfers. I requested that Western Union provide me with the information on how and when this tax is applied, but they could or would not. This may not be their obligation, but if I understand the following information found on your website correctly, it is the obligation of Western Union to alert me when these taxes have been withheld form the final amount. 

" Receive the following information about your transaction both before you pay and after the transfer is sent : '' " Amount to be received ( In some cases, a recipient may receive less due to fees charged by the recipient bank and foreign taxes ) '' This is found on the webpage " Sending money to another country '' on the Consumer Financial Protection Bureau Website. 

Western Union does provide the disclaimer " For all transfers, Final Receiver may receive less due to foreign taxes. '' But this does not satisfy the requirement to alert the consumer of the " Amount to be received '' both " before [ he or she ] pay [ s ] and after the transfer is sent '' As I was never alerted by Western Union that the amount was withheld from my final amount, I believe them to be in direct violation of this legal obligation.
Product: Money transfer, virtual currency, or money service

I am writing to address my concerns regarding Zelle 's approach to handling disputes, especially in light of the recent CFPB lawsuit that highlights critical flaws within the platform. Despite being a regular user and reporting discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering the lost funds was impossible and that tracking the transactions was not feasible. The CFPB 's finding reveal that Zelle has failed to safeguard consumers and has allowed repeat offenders to exploit vulnerabilities in the system, leaving users exposed to scams. This lack of accountability and transparency is deeply concerning and raises significant issues about consumer protection.
Product: Debt collection

To Whom It May Concern, I am writing to formally request that the Consumer Financial Protection Bureau take immediate action regarding a fraudulent debt that has been placed on my account by XXXX XXXX, purportedly for the use of a credit card. The debt in question is not valid, and I demand that all collection attempts cease immediately. 

I have reason to believe that this debt is fraudulent and incorrect, and I have not received any verification or validation of the debt from Jefferson Capital. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you investigate this matter and provide me with evidence of this debt 's validity. 

I request that the Consumer Financial Protection Bureau intervene in this matter and ensure that Jefferson Capital and any associated parties cease all collection attempts, as well as refrain from reporting this fraudulent debt to any credit bureaus. I demand that all communication regarding this matter be directed to me in writing and that no further attempts be made to contact me by phone. 

Please consider this letter as a formal notice of my request for validation of the debt and a demand for immediate cessation of collection activities. I expect a prompt response and resolution to this matter within the legal timeframe. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Please ensure to adapt the letter as needed to accurately reflect your situation and protect your rights. It is also recommended to send the letter via certified mail to ensure confirmation of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting

I addressed fraudulent activity on my account with Citibank, XXXX XXXX. Sent an affidavit to their location in XXXX Texas. Sixty ( 60 ) days later received a Return to Sender in the mail. 
There is no location or new mailing address noted. Please investigate as I do not feel an adequate and full investigation was performed of my concerns, ie., misbilling, unauthorized use.