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

HELLO consumer financial protection Today is XX/XX/2022 i went to XXXX XXXX around XXXX using my chime card to withdrawl the amount of cash of XXXX XXXX XXXX XXXX XXXX. I withdrawl amount of XXXX dollars, but the money never dispense, never got the receipt either.First I talked to branch manager then she told to call XXXX XXXX to dispute I did that, and file a complain but they told me to call chime to dispute tranaaction. I waited over an hour for the phone call through chime they finally picked up the problem is they said they cant handle the dispute because the the transaction still in pending. I been working really hard to save this money for my bills. Im so frustrated
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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
Balance {$530.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Balance {$1300.00}
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 item 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my daughter graduated from high school. At that time I lost child support decreasing my income. It took me until XXXX of XXXX to find a second job. While I was looking for work I had to use my credit cards quite a bit in order to keep all my bills and high electric bills covered. I did not miss any payments at all but it made my usage go up quite a bit. Since then 4 of my credit cards have taken away my credit limits causing my credit score to fall ALOT..!! Is this LEGAL even though I have not missed a single payment in 12 years?? My CITI cards cut both my limits 2 times. My XXXX  cards cut both my limits on my two cards and today I got a notice that my XXXX card cut my limit. How can this be legal if I HAVE NOT MISSED any payments or defaulted on these loans ...?? The Govt. increases interest rates and the power companies increase electric rates of course people will need to use there cards..!!!! Since I got a job in XXXX. I havent needed to use them but my score has been destroyed because of what your agency is reporting. Again I ask ... .is this legal..? Or should I just find a lawyer and take action that way. Why am I being punished for using my cards when I have NO missed or late payments..?? Also what type of lawyer should I hire for something like this??
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are requried to Promptly Delete All information that is inaccurate, incomplete, or which cannont be verified. it is also my understanding that under thr FCRA 15 U, S.C. 5 1681i, every single one even each and any or all the un proven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly neegated in its entirety or the alleged accounts are to be completely deleted. The following derogatory accounts allegation are either untrue, unverfied, incorrect, not mine, not my responsibility, or otherwise NOT PROVEN COMPLAINT to regulatory fedeal reporting laws and or standards and MUST be removed. The following accounts are reporting on XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. 

-- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 


-- I am entitled to Fair Credit Reporting. 

-- I have given them authorized permission to report my address on my consumer credit report. 

-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 


-- Letters have been sent with this address by certified mail and return receipts have been received by me. 


-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.
Product: Credit reporting or other personal consumer reports

COMPANIES : XXXX XXXX BALANCE {$10000.00} ... .ACCT # XXXX XXXX XXXX {$20000.00} ... ACCT # XXXX XXXX XXXX {$58.00} ... ACCT # XXXX XXXX XXXX {$9300.00} ... ACCT # XXXX ALL THESE COMPANIES ARE REPORTING BALANCES ( INACCURATE REPORTING ) THEY DID NOT PROVIDE 1099-C FORMS ALLTHESE ACCOUNTS ARE CHARGE OFFS WHICH IS NOT CONSIDERED INCOME ACCORDING TO THE IRS, AND ACCORDING TO THE CREDIT BUREAUS INCOME CAN NOT BE REPORTED TO YOUR CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account name : XXXX XXXX XXXX  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: Checking or savings account

The company has refused to provide Debit Card purchases through my checking. account without providing a reasonable explanation. Although I can change and reset my Pin I have NEVER been able to conduct a transaction using the debit card Pin method.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called XXXX, XXXX, and Equifax XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I received an email alert from Chase stating that there was wire transfer of {$8500.00} from my checking account. I went to Chase Bank at XXXX to freeze the account. The banker helped me out to file a claim with Claim Department. I was at the bank from XXXX until XXXX for changing account and report. My cell phone got hacked and it didnt not work. The banker let me used the bank phone to call my family and the banker was the witness. The banker asked me to come back on the XXXX of XXXX to fill out Statement of Fact. Attach were the support evidences. 
On XX/XX/XXXX I got an email and Chase denied to solve the problem and denied to refund my money back with unacceptable reason saying that at XXXX I confirmed the funds. Please help me solve the problems because I my money was taken and I have XXXX  kids to feed. 
Thank you so much, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report that I believe is inaccurate. I recently reviewed my credit report from Experian, and I found the following issue ( s ) that need to be addressed : I believe these are incorrect for the following reasons : XXXX XXXX XXXX The account does not belong to me please remove it from my credit report. 

Please investigate these discrepancies and provide a written response within the time frame required by the Fair Credit Reporting Act ( FCRA ), which is generally within 30 days. I have also enclosed any supporting documentation ( if applicable ) to assist in your investigation. This may include payment receipts, letters from creditors, or any other relevant documents.

As required by the FCRA, I ask that you either correct the erroneous information or remove it entirely from my credit report.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon with a resolution. Should you require any further information, feel free to contact me via the phone number or email address provided above. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation. Reinvestigate this account : Account name : XXXX XXXX ACCOUNT # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency.

I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly. Please provide all documentation that I signed stating lawfully that this would affect my credit or hinder me from obtaining any credit.
Product: Credit reporting or other personal consumer reports

We recently purchased our home. Bay Equity is the mortgage holder. Bay Equity apparently sold the loan to XXXX. The sale of the loan, we are told, closes on XX/XX/2023 ; however, and for the past two weeks, both of the Lenders have reported the same loan to all three credit agencies. We have only one loan! We have tried to get this addressed and rectified ; however, we have been told essentially that " too bad '' and it will get fixed at some time in the future. This is entirely unacceptable.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 unfeasible. The CFPB 's findings indicate 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. 
I want the CFPB to publish
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to UPDATE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im XX/XX/2022, I was notified by my mortgage company that there was a data breach and my personal information was stolen. I then got a credit alert that there was a derogatory account on my credit. This account was for the XXXX XXXX XXXX located in XXXX, Virginia which was delinquent by {$350.00}. Another account was then opened at XXXX totaling {$2500.00}. At this time, I froze my social security number with all three major credit bureaus and filed a police report with an officer at the XXXX Police Department. I then sent over all the necessary documents ( I.e., proof of address, photograph ID, the police Reports, and affidavits ). Again, in XX/XX/2022, two more derogatory accounts appeared. The first is for Columbia Debt Recovery for a total of {$9000.00} and the second one is for XXXX for a total of {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX/XXXX XXXX {$660.00} US DEP ED XXXX {$1600.00} US DEP ED XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$360.00} USDOE/XXXX XXXX {$14000.00} XXXX XXXX XXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

I received a 1099-C evidencing the cancellation of the debt of {$19000.00}, linked to the account : XXXX ( attached files ) Since it has been over a week since I receive this information I find it upsetting that this has not been reflected on my credit report and file. 

Yesterday, I filled a claim with Experian and they closed my claim stating that it is a duplication. And they did not allow me to provide them with notice from XXXX. I have been economically hurt and will seek damages. 

This is also a violation of the Privacy Act of 1974. 

XXXX XXXX ( Exact name of registrant as specified in its charter ) XXXX ( State or other jurisdiction of incorporation ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXXXXXX  ( Address of principal executive offices ) XXXX ( Commission File Number ) XXXX ( I.R.S. Employer Identification No. ) XXXX XXXX CFO as well as other responsible parties will receive a civil suits. 

I filed a complaint with the OCC, FINRA, and the Attorney General.
Product: Credit card or prepaid card

XXXX XXXX. Account ID XXXX. I have 3 different disputes with different dates. The investigator put all of the disputes together and denied without looking allowing me to address each of them. The total disputed amount is {$4000.00} and I dont even have have the card anymore, my cell phone was stolen during one of the disputes. I was not given the opportunity to show my proof to defend myself. Received a summary with the decision and claim closed. I cant afford to pay such large amount plus accumulating interest. I need an opportunity to show proof for each occurrence Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like Experian, XXXX or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.
Product: Mortgage

I wrote a letter to my mortgage company in regards to my Home needing updates and replacements. I found paperwork in our contract where it states that under the contract that the updates and replacement are covered under the contract and that them as the lender are responsible. They say that they are not responsible for those updates and replacements and that the contract is referring to the deed but it clearly states ( property ). As I was looking over my paper work I found out that the mortgage company I have been paying never funded the loan and that the money was my own.
Product: Debt collection

It was XX/XX/2017 when I was rushed to the ER at XXXX Hospital. Few months after, I received a billing statements for the collection of payment with the amount of {$760.00}. I asked for financial assistance from the said hospital ( XXXX ) due to lack of income and school finances. Few months after, they sent me a mail saying that they XXXX  my balance. Which means I do not owe the Hospital a payment no more. The good thing is, the problem has been solved. On the other hand, I lost the mail that the Hospital sent me which they confirmed that my balance has been XXXX. 
Thus, third-party companies such as XXXX XXXX , XXXX., XXXX XXXX XXXX., etc keep on sending me a mail which indicates on the letter that This is an attempt to collect a debt. with the same amount of balance of ( {$760.00} ). First, I am wondering, why different companies are trying to collect this amount of balance. Second, I do believe that it is inappropriate to indicate on a letter the sentence ( s ) If you have an income tax refund, perhaps you can use the proceeds to pay this account. It is disrespectful and ridiculous. It sounds very desperate. These are the things that need to be cleared.