23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XXXX, I was the victim of identity theft however, I did not discover the theft until XXXX. After I discovered my identity has been stolen, I contacted each creditor and all three credit bureaus to dispute the accounts. In addition, I completed an identity theft affidavit on XXXX. I provided the affidavit to each of the credit bureaus and requested help with remove the fraudulent accounts. No action was taken by the credit bureaus. I have been trying to dispute the fraudulent accounts since XXXX by sending dispute letters and identity theft affidavits as required by federal law. The accounts have not been removed. I have also contacted the local police department. They have advised a case can not be opened for identity theft unless I can identify the person that stole my identity. The police have also advised since the theft took place in XXXX, it would be difficult to track down the person responsible. The credit bureaus respond to my disputes with standard letters stating debt validated. The bureaus do not provide any additional information. I have asked for copies of the applications, as I would like to provide them to the police. No information has been provided. XXXX XXXX sent me credit card statements. I'm not sure why. The statements only show the purchases made by the person that stole my identity but do not provide any information in helping me determine who or getting this situation resolved. In total, someone stole my identity and create debts in excess of XXXX XXXX.
Product: Credit card or prepaid card

I requested a credit increase on my Chase credit card. I thought they were going to pull a soft inquiry. I was never told me that they were going to pull a hard inquiry. I want the hard inquiry removed or converted into a soft inquiry.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, you have violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference and in accordance with the Fair Credit Reporting Act ; this is in reference to Mid land Funding account # XXXX and XXXX account # XXXX XXXX XXXX XXXX XXXX states that individual consumer, I, have the right to privacy 15 USC 1681section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE THE ACCOUNTS THAT ARE FRAUD 1.  CHILD SUPPORT ENFORCEMENT XX/XX/XXXX {$44000.00} 2. SEQUIUM ASSET SOLUTIONS {$270.00} AND A FRAUDELENT INQUIRY 1. XXXX XXXX XXXX   XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit, which has exposed serious flaws in the platform. Despite using Zelle on multiple occasions and reporting discrepancies, neither my bank nor Zelle conducted a thorough investigation into my claims. I was informed that recovering my lost funds was impossible and that tracking these transactions was not feasible. The findings from the CFPB indicate that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, putting users at risk of scams. This lack of accountability and transparency is deeply troubling, particularly considering the significant financial loss Ive incurred {$12000.00}. Both Zelle and my bank have refused to reimburse me or even freeze the perpetrators account, leaving me with no recourse. This situation underscores a critical gap in consumer protection that needs to be addressed.
Product: Checking or savings account

In XXXX I was asked to guarantee a loan for the company I worked for - XXXX   XXXX XXXX. The amount was {$44000.00} to guarantee to Comerica Bank. XXXX told me it would only be for a few months. I left the company in XXXX as XXXX brought in new management. I received letters from Comerica that they were going to send my money to unclaimed funds for non-activity. I withdrew {$40000.00}. In XX/XX/XXXX Comerica threatened to sue me if I didn't return the money. I did. In XX/XX/XXXX I received a letter from Comerica stating that XXXX had defaulted on its loan and they were confiscating my {$44000.00}. According to the documents I signed, I was to be notified of any changes or modifications to this loan, as a guarantor. I was never notified of any changes or modifications to the loan that they made with XXXX. As a result I contacted a lawyer and should receive my money, however Comerica is not releasing it and has put a hold on it. I have been corresponding with : XXXX XXXX XXXX, Vice President Comerica Bank, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CA XXXX Email : XXXX ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax They will not release my funds after breaking their fiduciary duty with me and breaking the bank covenants with me. Please help me with this. My phone # is XXXX and email is XXXX. Thank you so much, XXXX XXXX XXXX
Product: Student loan

On XXXX At XXXX I received a call back from MOHELA XXXX The supervisor hung up on me at XXXX when my call was disconnected. 
During the call, I indicated that I have XXXX outstanding issues with my loan servicing that I would like to get resolved. I initially brought up my loan balance including principal and interest of {$170000.00} reflected on XX/XX/year>, which does not currently reflect the balance in my MOHELA account including principal and interest. Representative indicated they would put me on a brief XXXX hold to research this issue. It appears that the representative that assisted me did not spend any time looking at my notes or case before calling me. After the first brief hold, the supervisor needed to put me on a hold again. 
I expect to get a call back because I was disconnected. The time is XXXX on XXXX. 
The representative that spoke with me on XXXX exhibited similar behavior to a representative who I spoke with last week, XXXX who indicated I needed to wait on hold to speak with an " Advance Team '' However, after an estimated wait time of XXXX minutes that lasted over XXXX hours, I received a call back from XXXX who indicated that I needed to be " transferred to another department who could help me. '' XXXX indicated that they had not heard of an advanced team and assured me that they were no different than XXXX and " just a normal call center representative. '' This presumption was affirmed by XXXX # XXXX who assured me that they too had never heard of an advanced team or an advanced representative and that this wasn't even a thing. This appears like a deliberate and malicious attempt to avoid addressing my issues with loan servicing and not responding to my inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I think someone stole my identity I never did anything with XXXX XXXX  at all or any of those other bills report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

In XXXX XXXX, a collection account began reporting to my various credit reports by Security Credit Systems LLC. The original creditor is listed as XXXX XXXX, the original and current balance are {$2000.00}. I do not know what XXXX XXXX is, nor do I have any idea why they think I owe them over {$2000.00}. I have disputed the account reported by SCS on my credit reports, through the bureaus, and even reached out to SCS themselves to dispute the account. I asked to be furnished with any records that would validate my liability for the debt they are reporting. They have not responded, yet have verified the account as accurate to the credit bureaus. Surely, if it were a legitimate collection theyd have proof to send me. Moreover, the report claims that I made a payment of {$110.00} in XXXX, yet the balance remains the same. In my dispute, I noted that XXXX, XXXX has dozens of complaints against them on BBB, due to their sketchy, if not fraudulent, billing and collecting practices. I also noted that my first notice of the debt/collection was seeing it on my credit report, as neither XXXX nor SCS thought to inform me that they thought I owed them money.
Product: Debt collection

Recently, I was reviewing my credit report and saw a new entry from a company named IC Systems. According to the information submitted by IC Systems on my credit report the account was opened in XX/XX/2018. This information is false. Additionally the amount due of {$370.00} that was placed on the credit reported is not valid. Both The Fair Debt Collection Act and The Fair Credit Reporting Act was violated.by inaccurately reporting that I owe IC System and XXXX XXXX {$370.00} without giving me ( 30 ) thirty days to dispute the validity of the debt allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX account which was closed a long time ago as per my request and the bank reported it differently. After providing documents to Experian, they still reported it the wrong way as closed by credit grantor. When I finally reported it to the CFPB Experian did change the info. However, after a while, they changed it back. When I questioned them on it and asked them to use the same letter which was last time used to rectify it. They refused to correct and started a completely new investigation although this letter was already previously used to correct the matter. 


Here you see the same complaint and their false response XXXX-XXXX Submitted to the CFPB on XX/XX/2017
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is in violation of the privacy act of 1974, and furthermore has been notified to cease and desist with any and all forms of communication. Upon reviewing my consumer report they are still reporting the account on my report which is a means of communication. 

They are also in violation of 16 CFR 313.10 Limits on disclosure of non public Personal information to nonaffiliated third parties.

313.8 Revised privacy notices. 

( a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 313.4, unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure ; and You did not do the following XXXX XXXX did not disclose or provide me with any type of notice.
Product: Debt collection

I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Product: Bank account or service

Hi sir/ Madam This is XXXX XXXX i booked tickets with XXXX Airline through XXXX Travel Agency right away they sent me an email which mentioned that your reservation is canceled then i was sure it is canceled. I booked tickets with different airline After two days my account was charged by them then i contacted them to refund my money back they did not and i contacted my bank too they did not give my money back. i have proof every thing they do not respond me positive.
Product: Checking or savings account

I opened the account in BMO Harris Bank after receiving the postal flyer of getting a {$700.00} bonus after meeting the 2 conditions : 1. Put {$10000.00} ( already met ) 2. Direct Deposit of {$5000.00} ( already met ) After meeting both the requirements the bank stalled and keep on saying that call us after 120 days, and post 120 days they told me that I don't qualify for this promotion as i had the account previously and it is for only new customers. 
When i went to the bank the banker already saw this and still insisted me to open the account and told me that i will qualify for this promotion and it doesnt matter if you have the account earlier asked to open the account and now they are not honoring this. 

I really felt cheated and want this to resolved and need my promotion to be paid. 
Need your help on the same. 
Account Numbers Saving- XXXX Checking- XXXX
Product: Checking or savings account

My company XXXX XXXX XXXX in XXXX XXXX, NY sold a watch to a client for {$91000.00} receiving funds as a Federal Bank Wire. The money was sent from a jp morgan chase account to our jp morgan chase account. The funds cleared and posted to our account which we then delivered good two days later after clearing in XX/XX/2022. The bank without any warning or notification to my company decided to withdraw the funds directly from our account two months later in XXXX 2022. After speaking with the bank managers and customer support representatives they stated that the transfer which was made at a jp morgan chase branch in person was fraudulent and they are unable to honor the funds that were sent to our account. the client we sold it to is no longer responsive. 

I do not understand that if it is the banks duty to verify a client and confirm their identity and then process and send funds to another account the risk is their own. 

We send and receive hundreds of wires per month without any issue, and every time there has been something the bank has notified my company, the bank states when sending a wire that they are irreversible and that is why we only take wire payment from our buyers. 

The bank stated they are investigating this and have went cold after weeks of emails and no responses from their management staff. 

If there is fraud going on at the branch level or their inability to verify a client to prevent fraud they have to be held responsible for their lack of the proper processes in order to conduct business. I am being made the victim here when the bank is the one who is suppose to be held responsible. 

I am missing {$91000.00} from my business checking account because the bank decided to remove the money from my account without due process and against their own policies.
Product: Checking or savings account

I bank with Chase since XXXX My cash flow was pretty decent around then but around mid XXXX My my partner XXXX XXXX XXXX XXXX and my job had an issue with paying my backpay and my cash flow was reduced temporarily but in XX/XX/XXXX, my Chase account was hacked by Chase. There was a digital check in my bank app, which I still have that paid chase {$170.00} And where the signature boxes is on the checks, it was printed that I gave my verbal authorization for this check to be cashed paying chasing Oklahoma while Im currently in XXXX, Georgia So I closed that account and reopen a new account with Chase and within a month for {$170.00} being processed out of my account so While waiting for the investigation to conclude to give me some answers on why this happened multiple times in my old and new account on XX/XX/XXXX Chase close my account And told me they didnt have to give me a reason why someone in the back office decided to close my account wasnt even provided a Complementary phone call for heads up also never answering my question about what caused the multiple hacks from my accounts paying Chase XXXX but I was given some Vague, possible reasons, one of which was too many aggressive withdrawals basically meaning job deposited my money in my account and I would pay my bills so I use my money quicker and the other reason I had too many reversals and I asked the agent how many reversals are u allowed she said 3 And I asked her how many reverses do I have she said one and she said it does seem weird and unfair and another agent I spoke to said it seems unfair, but once they closed my account, I forgot the how they phrased it But once its done, cant be undone all the while, not giving me an official reason why it was closing why my account was hacked and I Tried to explain to several agents about my partner passing and my cash flow was slightly lower but none of That mattered to chase
Product: Credit reporting or other personal consumer reports

Integra Credit agreed to delete this tradeline from all credit reporting bureaus upon payment. 

I paid as agreed on XX/XX/year>. 

Payment was made as agreed and funds cleared from my checking account. 

Integra has not removed this tradeline as agreed. 

I called Integra and asked to speak to a supervisor and was told no supervisor was available to speak with me.
Product: Credit reporting

I challenged several items that were duplicated in my credit report that are affecting my credit and the information they are verifiying is not accurate, i contact the creditor and they told me to contact the credit burau since they are not reporting that and they do not provide who they verify the information with. Is hard to reach someone to speck with.
Product: Debt collection

I'm continually receiving emails from a debt collector agency called Resurgent Capital Services, for debt that isn't mine. 

They disclose someone else 's name, how much they owe, their account number and everything. They've reached out multiple times.

I read on the FTC website that debt collectors aren't supposed to share any of those details unless they're certain they're emailing the person with the debt or that person 's spouse. I am neither!

Just wanted to make people aware that your sensitive information is being shared.