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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX Account # XXXX .... 
XXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
TransUnion is consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, TransUnion, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to TransUnion or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked. 
The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). TransUnion is not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below creditors 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent letters out to the credit bureaus to verify inaccurate information reporting on my credit report. after waiting for 60 days for a response which never came i sent another letter on XX/XX/2020 asking the credit bureaus to reply to my request to verify the information on my report. it is now XX/XX/2020 and i still have not received a response from either credit bureau. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus are clearly violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has cashed a check in regards to this alleged debt owed, and now refused to adhere to the terms that the check was provided under. The check # XXXX, dated XXXX states Acct # XXXX Negotiation of tender settles and deletes debt from credit bureaus. However, this company has cashed the check, and now fraudulently refuse to adhere to the provided terms. The account balance has been updated and they now refuse to delete the account from the bureaus, as agreed upon once the check was cashed snd funds transferred from my account to their company. Due to Covid, this was my only offer, and they accepted now to renege on terms agreed upon.
Product: Credit reporting or other personal consumer reports

Im providing this info one last time and hopefully XXXX XXXX and Transunion are able to fix my credit report with all the negative accounts that are fraudulent Im attaching the police incident number which is the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I stated several times that the creditor name XXXX XXXX which is a timeshare that its not mine and the creditor keep saying its reporting correct. Also they put under note that was updated as of XX/XX/2018 when it has not been active for 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. MIDLAND MTG/MIDFIRST XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a report to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. The FCRA 605B mandates reporting any inaccuracies on a consumer 's credit report.
Product: Credit card or prepaid card

In XXXX I notified target credit card that there were multiple same day purchases. 
The first person I spoke with, XXXX, was nice and went over items and removed all the items that we did not purchase. 
A fraud person at target credit cards put all the charges that XXXX had removed back on my card and added finance few and late fees and never notified me that she put the charges back on. Since then I have called XXXX only to get hung up on and told I had to have made these purchases and they refuse to do anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name has been attached to an account for {$1800.00}, that has my name assigned to it ; that I have no knowledge of. My bank account and associated cards are not mentioned, just my name. I live nearly the entire Republic of Texas away from the store XXXX XXXX XXXX, that is in XXXX, Texas that the account was opened in XX/XX/XXXX in my name. According to my credit report on XX/XX/XXXX shows a large amount on a purchase in my name that I had nothing to do with. Then was turned over in XX/XX/XXXX to a collection agency Southwest Credit Systems, dba : Southwest Credit -  XXXX XXXX in XXXX, Texas, not far from the original issuing source. I have contacted every government agency that I could find to possibly correct my incorrect credit report. I was unable to contact, despite several attempts, any of the numbers provided for the Collection Agency. Most  were unanswered rings, two I heard a message that " no tracks exist '' ( whatever that means ). I  was called back by a supposed Texas Secretary of State employee, I learned from a disconnected number ; by a person named XXXX that gave me a bogus number. When I called back to see if I dialed a wrong number, I found it was disconnected number. Later after calling the for a local sheriff 's deputy to file a second personal Identify Theft affidavit. I told the deputy that I called back he told me that there are no disconnected numbers at the Secretary Of States office. If I was called it was likely by some one trying to alter any direction I was taking to recover my proper credit. I did learn that there were complaints about both companies. If accurate, that there was an active bond, despite the collection company moving numerous time and changing the company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE EQUIFAX DATA BREACH AND DID  NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Money transfer, virtual currency, or money service

My money was taking from my card on XX/XX/2023 at XXXX XXXX  from us bank in XXXX CA and it was fraud cause I did authorize no one to take my money it was in the amount of {$660.00} and I would like my money refund to me card ending inXXXX
Product: Checking or savings account

On XX/XX/XXXX, someone claiming to be me called JPMorgan Chase customer service. They gave them an excuse as to why they don't have my phone or access to my email account associated with the account. They then told them all they have to verify my identity is my ( stolen ) business credit card # and XXXX #. My credit card never left my possession so this card # was compromised from a website I do business on. The bank representative gave them my login, and a new password. Within a few minutes that bad actor accessed my business account, linked my personal accounts, subscribed my email account to a spam bot engine in an attempt to inundate my mailbox with so many emails I would be unable to find that one email from Chase indicating a new login has occurred from a new IP address. 

I immediately locked down all my accounts and got rid of the new email address and cell phone # that was added to my account. I was also able to break the link between all my personal accounts and my business accounts. 

Upon investigation by Chase, they notified me a bad actor called them on XX/XX/XXXX in a failed attempt to take over my account. My account was then frozen, requiring me to visit a bank branch and show ID before it could be unfrozen. This all happened without my knowledge as not notification was ever sent to me regarding a freeze. On XX/XX/XXXX, the bad actor called again, persuaded the Chase Rep to unfreeze my account and give the person my credentials over the phone. This person now knows how much I have with Chase bank and I assure you he will either try again or hand the job off to a more senior level bad actor who knows how much work will be involved to get into my account with a nice pot of money available. I have begun the process of moving all of my money out of JPMorgan Chase Bank as a result of this latest hacking incident. It was COMPLETELY out of my control. I did nothing wrong. Chase was 100 % at fault for giving my credentials away to criminal and should be held accountable. 

This is the THIRD time my account has been hacked and I strongly believe the previous time this happened Chase did the same thing and gave someone my credentials.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports the total amount owed on my student loans is incorrect. The account is listed on my credit report as XXXX XXXX XXXX.
Product: Student loan

In XXXX, someone stole my identity and used it to attend a public university in XXXX in my name. I was completely unaware of this fraudulent activity until XXXX when I filed my taxes and discovered that they were being taken to pay off student loans for a college I had never attended. This has had a significant impact on my financial well-being and has made it difficult for me to support my family. 
As someone who has never set foot in a college classroom, it is deeply troubling to see my hard-earned money being taken to pay off loans for an education I did not receive. The fact that this identity theft has also damaged my credit score only adds insult to injury, as it now hinders me from being able to secure loans or make major purchases for myself and my children. 
Given the circumstances of this situation, I am requesting a full refund of the money that has been wrongfully taken from me over the years. It is unjust for me to continue bearing the financial burden of someone else 's actions, especially when it affects not only myself but also my ability to provide for my family. 
In conclusion, identity theft is a serious crime that can have far-reaching consequences for its victims. It is imperative that steps are taken to rectify the damage done and ensure that those responsible are held accountable for their actions. In this case, a full refund is necessary in order to alleviate the financial strain placed upon me due to these fraudulent student loans.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report linked to ongoing litigation, which are currently unresolved.
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 15 USC 1681. 

Account name : XXXX Account number : 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

XX/XX/2022 is the date of when they suspended the account indefinitely. {$4000.00} dollars were left in the account and they are saying they can not do nothing about it. I need that money back as soon as possible please
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I started a wire transfer from my bank in usa BofA to XXXX XXXX XXXX as of today XX/XX/year> the money/funds where taken from my BofA account but never deposited into my XXXX account claiming that my middle name was not listed on the sender information and because of that the names did not match the XXXX account information, even that first and last name was correct. Meanwhile I'm afraid to use XXXX, and I'm using BofA debit card with a total of XXXX in fees, plus getting ripped off with a exchange rate of XXXX per dollar vs normally I would get XXXX. 
The only company getting a deal for my transactions are the banks nobody else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Th

e reporting agency XXXX XXXX XXXX  are committing fraud against me. By reporting information that resulted in identity theft, pursuant to, 15 U.S. Code 1681 ( e ). Also 18 U.S. Code 894, they have and continue harming my my name as consumer and ruining the fact of presenting a better credit score if it wasn't for these fraudulent occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are in litigation and I want them removed from my report and I give Experian permission to look into this and move forward : XXXX XXXX XXXXXXXX - Account number XXXX XXXX inquiries XXXX XXXX XXXX XXXX Companies Inquiry date : XXXX XXXX, 2021 XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/2021 XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/20XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX  XXXX XXXX date : XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX  XXXX Balance {$7200.00} XXXX  XXXX XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX  XXXX  XXXX Balance {$5700.00} XXXX  XXXX  XXXX  XXXX Balance {$2900.00} XXXX  XXXX  XXXX  XXXX Balance {$2800.00} XXXX  XXXX XXXX XXXX Balance {$4200.00} XXXX  XXXX  XXXX  XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX  XXXX Balance {$5800.00} XXXX  XXXX XXXX XXXXXXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}, must be updated to reflect accurate information on my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had an outstanding debt after switching phone companies which ended up in collections through AFNI. Since I was making payments, I did so through XXXX internal collections, and finished paying by XX/XX/2017. The debt still shows a balance of {$570.00} as an open collection, and is affecting my credit score as they have not closed the account almost a year later. I figured all of this was taken care of, but is now a delinquent account on my credit. 

AFNI - opened XX/XX/2017, {$550.00} Original creditor - XXXX XXXX XXXX
Product: Debt collection

I recently started a monitoring service and noticed account that do not belong to me.I never had such an account and I have never given anyone to open such an account on my behave.
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. 

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 XXXXXXXX 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: 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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently reponds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Conformation numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX