23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct XXXX XXXX Acct name : XXXX Acct # XXXX Acct name XXXX XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX  Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX Acct # XXXX Acct name : XXXX XXXX XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX BANK, Acct # XXXX Acct name : XXXX XXXX XXXX  Acct 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 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: Checking or savings account

I had an unauthorized renewal charge, I contacted the company and they refused to refund it so I disputed it as fraud and unauthorized. Credit Karma XXXX has twice denied it and wont credit me the over {$100.00}. They also are jerking me around on another {$170.00} that was scammed from me. Ive emailed credit karma but they say they never receive my emails so they deny the claim. You cant just talk to someone on the phone and I dont want to play email tag anymore. Ive already reported them and the company that charged me without authorization to the XXXX as well. Meanwhile Im out money thats mine and they wont credit me.
Product: Debt collection

This is a fraudulent account I didnt open it and I have a policereportto  prove it. The credit bureaus wontremove it.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/year>
Product: Checking or savings account

On Sunday XX/XX/2019 I contacted my bank ( Bank of America ) to report two fraudulent transactions on my debit card. I have a joint account with my husband and we both have debit cards, both have their own card number. The Bank of America representative assured me the the fraud charges were only on my card and that to prevent further issues, cancelled my card and my card only. The representative then ( without my knowledge ) cancelled BOTH cards associated with my checking account. I did not authorize the cancellation of my husbands unaffected card. He did not inform me that he cancelled my husbands card as well. I actually confirmed with the representative multiple times that my husbands card was fine and that it would still be usable. He assured me his card was not affected with fraud and would be usable like normal. 

Yesterday I went to make an online purchase on XXXX using my husbands debit card ( we also have a joint XXXX account ) and the purchase was declined. That is how I found out both cards were cancelled. 

After contacting Bank of America again all they could do was say " sorry '' and essentially send me on my way to just wait for our new debit cards to arrive. No emails, alerts, messages, texts, NOTHING was sent to either myself or my husband informing us about the debit cards being closed so until we would go to make a purchase, we wouldn't know that we had no access to our money.
Product: Credit reporting or other personal consumer reports

I discovered that a hard inquiry into my credit report had been initiated by XXXX XXXX through TransUnion on XX/XX/year>. The problem is that I have no business or accounts with Capital XXXX, so I have to assume that I've been the victim of identity fraud. As well, upon looking at my full credit report with TransUnion I quickly discovered that two additional phone numbers that don't belong to me had also been added to my credit report. 

Since then I've placed an initial fraud report on my credit report, and have filed a dispute with TransUnion to have the two additional phone numbers removed- which just leaves the hard inquiry currently on my account from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information reporting n my credit report. I have made 4 attempts to resolve this issue ; however, I have not received any corresponding at all. My first attempt via mail was made on XX/XX/2021. They have not been able to validate this account ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward this complaint to your legal advisor. 

On XX/XX/2023 a CFPB complaint was filed against ZIONS DEBT HOLDINGS LLC. ( Ref. XXXX ) This is a dispute regarding a response that was received dated XX/XX/2023. Please convey an original instrument of indebtedness between XXXX XXXX and ZIONS DEBT HOLDINGS LLC or prove that one exists. 

Under the lawful definition of novation, I was never informed in writing nor did I mutually agree to do any business with ZIONS DEBT HOLDINGS LLC. Please inform me why I should submit any payment to this company. A company that is belligerently extorting my character and in violation of 15 USC 1692d ( 4 ) by reporting false information to my consumer reports. 

To date, ZIONS DEBT HOLDINGS LLC has not produced proof of a validated alleged debt nor acknowledged my cease and desist notice sent. ZIONS DEBT HOLDINGS LLC has failed to produce the original instrument of indebtedness to ZIONS DEBT HOLDINGS LLC. ZIONS DEBT HOLDINGS LLC has no permissible purpose to communicate with me in any capacity. 

The instrument sent via CFPB titled " XXXX XXXX XXXX '' does not state that I am the obligated party for payment to ZIONS DEBT HOLDINGS LLC. 

Does this instrument confirm and affirm that I am the obligated party for payment to ZIONS DEBT HOLDINGS LLC? If so, please provide where. 

Since the original instrument has failed to be sent, provide proof that I am the obligated party for repayment. 


There have been unauthorized disclosures of my personal identifying information. Zion Debt Holdings LLC and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with Zions Debt Holdings LLC and do not have a contract with Zions Debt Holdings LLC nor did Zions Debt Holdings LLC make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtedness ). 
I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX 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: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THATS WAS NOT REPORTING ACCURATELY. I HAD LATE PAYMENTS ON AN ACCOUNT THAT I WAS IN FACT PAID ON TIME. IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHITCH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIOS. 
15 USC 1681 SECTION 607b ACCURACY OF REPORT. WHEN EVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

XXXX XXXX Bank of America XXXX XXXX XXXX i never received XXXX credit card was applied for using my XXXX XXXX that i did not create. 

XXXX XXXX  ''XXXX  '' XXXX credit card i did not apply for and was un aware of.
Product: Debt collection

Call and text every day after XXXX and before XXXX I have asked them to stop repeatedly and they will not stop.
Product: Checking or savings account

I received an email on XX/XX/22 stating that I was approved for a Wells Fargo bank account which I did not apply for. The link in the email contained some of my personal information but when asked to confirm my identity it asked to send a txt to a phone number ending in ( XXXX ) which is not my phone number. I called Wells Fargo and they flagged my information so the account would not be allowed to be used.
Product: Payday loan, title loan, personal loan, or advance loan

They want a quote from a local company to fix the hard drive and I have contacted all of the local companies that due computer repair ( including XXXX XXXX ) and no one does hard drive repair. Now some do data recovery but that isnt what they are requesting a quote for. I did tell one of the agents this. I also tried to return the item since I couldn't I couldn't get a quote and I was told I couldn't return damaged merchandise. I have been hung up on multiple times trying to take care of this issue and I have been told that I would receive a call back that never happened. I have continued to make my payments and held up my end of the contract but they haven't. At first, they wanted pictures showing the item was damaged but you can't really take pictures of a power surge. I'm trying to get quotes from other companies but it's very difficult because I haven't found anyone so far that will quote me without mailing it to them. On top of this, there are a lot of companies that repair hard drives they will attempt data recovery but it's typically cheaper to get a new drive than to repair due to the issues that have to be done with them. The fixes include replacing the motor, the XXXX, the electronics board, etc. so I have done the research trying to find someone to fix it. Acima just doesn't want to hear it. I've contacted them through chat and they wouldn't help me either. At this point I'm ready to file a lawsuit with the small claims court because of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.
Product: Checking or savings account

Robinhood has " restricted '' my account, and I no longer have access to my funds. 
They restricted the account on XX/XX/23. When contacting customer service, they say wait up to 15 business days without clear reason.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX 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't furnish an account without my written instructions.
Product: Debt collection

I have sent 3 certified letters to this company, dating back to late XXXX, disputing this alleged account. I have asked them to provide competent evidence, bearing my signature, that I am contractually obligated to pay this alleged amount. I also have written correspondence from this company stating they are unable to verify the debt as mine and unable to produce any competent evidence, bearing my signature, that I am contractually obligated to pay this alleged account. 

Therefore, it is unverifiable information and per the FCRA and FDCPA, any information that is unverifiable should be removed or corrected. 

I do not recognize this account. All I asked is for this company to verify that this debt actually belongs to me and is my duty to pay- which they have failed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I SENT OFF A VERIFICATION LETTER TO CHECK ALL MY OF MY ACCOUNTS WAS CORRECT. THE CREDIT BUREAUS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE ADDRESS IS INCORRECT AND THE OPEN DATE IS INACCURATE THE LAST DATE IS INACCURATE. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2.

THIS LAW CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MT WRITTEN INSTRUCTIONS. 

I HAVENT GIVEN THESE ACCOUNTS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

I am concerned with how Zelle handles disputes. I have reported discrepancies with my financial institution and to no avail I havent been able to get a resolution. This is concerning especially after learning about the complaints and this being a widely know issue. My bank has lied about investigating and also stating that funds were uncover-able and this is absolutely unacceptable. Reading up on. The this I a, finding out that the cfpb has discovered that Zelle has neglected their consumers and those who abused the system were not reprimanded which allows for more abuse its utterly absurd.
Product: Debt collection

I am unaware of this debt. I didn't have an opportunity to access or dispute this information, if in fact you believe you gave me proper written notification then please send me a certified mail return receipt with my signature and name on it. If you can not produce these documentations, I am requesting immediate deletion from my credit file. 
Furthermore you are in violation of 12 CFR 100.34 ( A ) ( 1iB )
Product: Credit reporting

My wife, XXXX ( XXXX ) XXXX XXXX filed her report under case # XXXX # XXXX IN XXXX 2016. The following letter to XXXX, XXXX and Transunion will point out the problems we have incurred in trying to get the credit bureaus to take off XXXX of XXXX XXXX and also XXXX ( all of which were involved in the repossession of our home, which we feel might, infact, be mortgage fraud ). XXXX removed the information ; Transunion removed XXXX of XXXX XXXX as a direct result of you helping us. My wife overlooked that XXXX was involved and apparantly purchased the debt from XXXX etc. I would also like XXXX to remove the same information from our credit. I am attaching a certified letter that we sent to all XXXX XXXX credit reporting agencies which tells our story.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT give written permission to have these fraudulent accounts furnished on my report. I surely hope that each company will comply with code ; 15 usc 1681a2 XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

I refinanced my home for a better interest rate. The original amount was {$41000.00} the annual percentage rate was lowered to 3.695 %, but I was charged {$12000.00}. The amount I am paying on now is {$53000.00}. I have excellent credit also. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX - XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX  XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you