23daVinci/CFPB_Complaints huggingface dataset:
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 an account without my written instructions. 


XXXX XXXX XXXX Original creditor XXXX Balance {$2200.00} XXXX XXXX  XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX. 
Balance {$530.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX. 
Balance {$1300.00}
Product: Money transfer, virtual currency, or money service

I was called on XX/XX/XXXX by a fake police officer claiming to be from the XXXX police department. The phone number they called from matched with what I searched on XXXX. They told me my SSN was stolen and I was a victim of identity theft and that I was associated with multiple crimes in various states. I was told I had multiple bank accounts, vehicles, and properties linked back to me. They told me that they were in process of shutting down all of the bank accounts and that I had to transfer my money to a safe location for safekeeping, and it would be returned to me once I got a new SSN. They kept me on the phone and scared me into thinking I was being monitored and in danger, and if I didn't act fast I would lose everything or be arrested. I did the wire transfer exactly as they asked me to, and they even told me everything to say to the banker. I was told they would send four officers to my residence to conduct an " interview '' about this case to figure out why my SSN was leaked. I said I didn't want anyone to come to my house, and that I want to speak to a police officer in person at the police station/headquarter. I was met with resistance but then they said they would meet me the next day at the social security office building at XXXX, and they sent me a PDF appointment letter that looked like official social security letterhead. They told me to delete my entire phone record.

After this phone call I suspected a scam and went to the police department to report wire fraud. I submitted an IC3 complaint to the FBI. I went to my bank and had them recall the wire, but was told this was going to take 3-5 business days ( which is too long for this type of wire scam ). I spoke with an FBI agent who contacted the XXXX XXXX ( where the funds were transferred to ) police. I submitted a police report to the XXXX XXXX police. 
On XX/XX/XXXX I was told by the FBI agent that all of my money had made it to the XXXX XXXX bank and was already moved into many smaller accounts that could not be traced. This contradicts the information on my wire transfer receipt that shows that DATE FUNDS AVAILABLE TO RECIPIENT : XX/XX/XXXX. 
This makes no sense as my money is already gone, per XXXX XXXX XXXXFBI report. My money should not have made it all the way to their bank before XX/XX/XXXX according to my wife transfer receipt. I was being told on XX/XX/XXXX that it was already gone and unable to be retrieved. This should not have happened according to the information on my receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX  : - ; XXXX  XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX  : {$180.00} ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
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 discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Act XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX All have 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 states a consumer reporting agency can not furnish an account without my written instructions. These Items have all been included in a police report as well as an identity theft complaint..
Product: Debt collection

First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Despite my persistent efforts to resolve this matter, both with the creditors directly and through your bureau, I have encountered nothing but obstacles. The lack of information provided to verify these alleged debts is not only unacceptable but a blatant violation of my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand an urgent and thorough investigation into these discrepancies. Due to the absence of credible evidence to validate these debts, I insist on the immediate removal of the aforementioned accounts from my credit report. The dubious accounts in question are as follows : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. Please delete these fraudulent accounts from my credit ASAP.
Product: Credit card

I am a victim of human trafficking and have accounts on my credit report due to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes the XXXX, XXXX and Equifax to report the below credit inquiries that I did not authorize or recognize nor do I have any open accounts with. Please see the below : XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I do not owe these people any money and I would like for them to stop sending me court paper plus Im currently having problems to pay my own expenses how can I pay debt collator.I was out of work because of COVID-19 and I still havent recovered from it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2019 Macy 's has been removed from my credit report.I have documents printed out from XXXX showing that.Before it was deleted, my Macys account was in negative standing because I refused to pay them for the item, that was falling apart after few months of using it but I bought extra warranty at the time of purchase and they were supposed to either fix it or replace it.I have all documents supporting what I did in order to notify Macys about the problem.Since they neglected me all the way so I stopped paying them. That was the moment, when suddenly they knew how to call me back.After few long months of frustration, I received the check from Macys for the damaged item.However, they never refunded me for interest I paid over XXXX period. 
After sending all documents to XXXX, OH, Macys removed my account from credit report at my request since it was killing my credit history and it was impossible to apply for any kind of loan.Now its showing again and my credit dropped down drastically.Calling XXXX wasnt a good idea. Professionally rude, trying to convince me I am wrong and that they dont see in the system what I am claiming happened.She wasnt even willing to take the report number from me so she could see clearly what I meant.Horrible experiencePlease help with removing Macys from all credit reports.You are my only hope.Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I submitted a support ticket to www.Coinbase.com stating that I had some suspicious activity on my email account associated with my Coinbase account, and a failed attempt to log into my Coinbase.com account. I however looked over my account and everything was fine, there was no breach of my account as I had all the extra security measure set up including 2 factor authentication. I explained this in the support ticket that I just wanted to change my email address as an extra step of security. I specifically said there is no need to freeze my account as no one except for me ( the account owner ) gained access to it. They immediately froze my account asked me to fill out a few questions and that they would investigate. 
I filled out the form via email and waited. That was on XX/XX/2019. Since then I have not gotten a single response back from the company. I have call there support phone line over 15 times since then asking what is going on? They have no answer and can not give me any more information at this time but tells me they " properly escalated the ticket and should provide me with an update shortly '' They keep saying it is being " Investigated '' but there is nothing to investigate I already know the no " bad actors '' gained access to my account looking at my log in settings and all I wanted to do was change my email address. Also I would like to add that I have went through this same support ticket situation with 4 other exchanges ( XXXX, XXXX XXXX and XXXX  ) all of which solved my issue and reinstated my accounts in 4 days or less. 

How is it so hard to verify an identity and reenable an account/ This has gone on unresolved with no resolution or even an attempt at a resolution. I have what I consider to be a substantial sum of money in that account that I want access back to, at this point to just get my funds and close the account because I will no longer fund this company with my business. 

I fully intend to file a small claims lawsuit against the company if this is not resolved in the next 2 weeks aka 60 days.
Product: Checking or savings account

Despite being impacted by hurricane beryl maybe Federal didn't even try or consider the impact when I made a request to have an overdraft fee refunded. Under most circumstances I can understand this but due to not having power for about a week and needing all the funds I can for gas and food every little bit would help. 

They didn't offer to do any additional steps or measures and just said they the decision was final.
Product: Debt collection

A XXXX XXXX account was open in my name i had no knowledge of. Please delete immediately!
Product: Credit reporting or other personal consumer reports

I am formally requesting the elimination of the inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion and support my claim of identity theft, PLEASE BLOCK AND REMOVE this account from my consumer report.
Product: Student loan

i submitted a complaint previously requesting the promissory notes, if you take a look back at your response there wasn't anything attached. Please provide me with what i am asking for!!!!
Product: Credit card

Bonus not received, more than the minimum spend amount has been met. Bonus not provided even though product ordered was different product.
Product: Credit card or prepaid card

My XXXXXXXX XXXX card was cancelled last year as I entered into a debt consolidation plan. I paid off this credit card myself on XX/XX/2022. Out of the blue, they sent me a bill with charges and fees due. I do not owe them anything, I have a XXXX BALANCE, CANCELLED CREDIT CARD that they are trying to bill me for. I do not have the credit card number because all of my cards were cancelled last year, some were paid off by me like this one and others are in a debt program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy XXXX record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Mortgage

I am a homeowner in XXXX XXXX XXXX Texas. I am XXXX XXXX XXXX, ( " XXXX '' ), an individual and the property owner I have a Home Equity Line of Credit with an institution that lists itself as " BoKF, NA, dba Bank

of Texas ( " BoT '' ).

BoT is wrongfully asserting an interest in insuance proceeds. 

The loan documents convey a right to BoT for what the loan documents designate as " Fire INsurance. '' The Loan Documents were drafted by BoT and BoT insisted on the language controlling the transaction. The documents explicity limit any duty of homeowner ( me! ) to maintain flood insurance if, and only if, the property is in a FEMA designated flood zone. BoT agrees that the property is not located in a FEMA designated flood zone. 

In XXXX the property suffered flood damage. XXXX maintained a FEMA backed Flood Insurance Policy - seperate and apart from a Homeowner 's ( aka, Fire ) policy. On XX/XX/2021 XXXX XXXX XXXX, managing the FEMA flood program executed two checks to XXXX XXXX and BoT. I informed XXXX/FEMA of the presence of a HELOC on the property in an abundance of caution. 

Upon receipt of the checks I telephone BoT for instruction on obtaining their dendorsement so I could begin work on the property. Twice I was instructed to bring the checks, the insurance adjuster 's worksheet and my Driver 's License. Twice I appeared at at a BoT branch and both times, the " bankers '' refused to endorse the checks and instead spoke on the phone to a mysterious person called " XXXX ''. I was told that I needed to provide more documents, but upon my demand that every prerequisite BoT insisted I complete be put in writing, I was told BoT would not do that. 

During a visit to the BoT Branch at XXXX XXXX XXXX XXXX in XXXX Texas, a Ms. XXXX XXXX demanded I endorse the checks ( and refused a BoT endorsement ) and then attempted to have me " deposit '' the checks in a BoT account, with no assurance of repayment or written specifications for BoT to make repaymennt. 

In short, BoT engaged in fraud, bank fraud, attempted theft by larceny and various misrepresentations. On XX/XX/XXXX, Ms. XXXX accepted my written demand/notice ( as required by the loan documents, to allow BoT to cure its default. BoT did not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my SSN and other information to be stolen. I would like compensation so that I can freeze my files at all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA could n't verify any date but yet still process a hard inquiry on my report. XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian notified me of the " update to dispute '' on my credit report and again refuses to remove accounts that are past theXX/XX/XXXX statute of limitations. I am still a resident of California, working and residing in XX/XX/XXXX The statute for XX/XX/XXXX is 4 years. The accounts need to be removed from my credit report. 

I am tired of continually fighting Experian about this. They will not comply with the statutes.
Product: Credit card or prepaid card

For the past XXXX XXXX or so, I tried to use the card at my XXXX XXXX XXXX XXXX XXXX 
They declined the card I used many times. 

I called the credit card many times. All I get is hang-ups or say it's not their card.
Product: Checking or savings account

I mobile deposited a check on XX/XX/XXXX and as of today XX/XX/XXXX the funds have still not been pit in my account. I called chime on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have now told me my funds are still pending until the XXXX. When I told them I was filing a complaint she said she would try to have it deposited by XXXX today.
Product: Credit card

I XXXX XXXX filed bankruptcy chapter XXXX four years ago case no XXXX curently i '' m selling home and the tile company find XXXX judements against my property capital one and XXXX XXXX -credit cards. Tile company offer me they will hold the amunt of the judements for 150 % and return too me after 2 years when the judements wiil be expired Atorrney who represent me durning bankruptcy is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$750.00} XXXX XXXX  on XX/XX/XXXX XXXX
Product: Credit card

I had filed multiple disputes with XXXX XXXX XXXX XXXX XXXX for Unauthorized Use of my Account while being incarcerated, Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT. Every single Time I dispute these Unauthorized, Fraudulent Charges, XXXX XXXX XXXX respond by sending me a letter stating that they verified that this account belongs to me- XXXX XXXX XXXX XXXX  own policy XXXX Liability Protection - XXXX Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. However, Every single Time I dispute these Unauthorized, Fraudulent Charges, XXXX XXXX XXXX XXXX  act like they Don't Read my Dispute - So here, I'm requesting that CFPB investigate whether XXXX XXXX XXXX CARD SERVICES does comply with the requirements set forth in the FCRA. The Dispute is about unauthorized use of My Account by an Unknown Person while being incarcerated. I Dont want XXXX XXXX XXXX to respond by stating that this Account Belongs to me, If this Account didn't belong to me, I won't be disputing those unauthorized charges.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number ( XXXX ) ( XXXX ) for my credit card to report an issue that is negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors are required to send periodic statements that include all information required by Section 1637 ( b ) at least 21 days before the payment due date. This ensures that consumers have sufficient time to review and make necessary payments without being penalized for late payments.

Additionally, the FCRA, specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. 
I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
The details of the late payments reported to your agency are as follows : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX Late Payment Date : XX/XX/XXXX XXXX  Payment Status : 30 days late. 
XXXX Last Payment Date : XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Late Payment Date : XXXX, XXXX XXXX Payment Status : 30 days late. 

In accordance with 15 U.S. Code 1681i, I request a full investigation into this late payment report, and I expect the information to be corrected. As per 15 U.S. Code 1681s-2, data furnishers are responsible for ensuring the accuracy and completeness of the information they report. I request that this late payment be either removed from my credit report or updated to reflect the accurate payment status. Additionally, I request that you send me an updated copy of my credit report reflecting these corrections once the investigation is complete within the legally mandated time frame.