23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill from Jefferson Capital that I owe them the amount of {$3700.00} which I have no authorization to purchase or borrow this amount. I am disputing this as this is a fraud. 
I have filed a police report as the representative name XXXX from Jefferson Capital advised me to do so. See attached file documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Balance : {$2000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Mortgage

Mr. Cooper gave out personal information regarding my account without my approval. After this was shared with me by a Mr. Cooper representative I have continually called and asked for the fax that was used to request my payoff and what they provided. 

THIS IS IN VIOLATION OF MY RIGHTS AS CLIENT TO NOT HAVE MY PERSONAL INFORMATION PROVIDED TO UNKNOWN INDIVIDUALS. 

The week of XX/XX/XXXX a Mr. Cooper rep told me they had an inquiry about my payoff balance as of XX/XX/XXXX and asked if I was going through a refinance, I am not. 

Since that week I have called several times trying to get a copy of the request and what they responded with. NO one knows and no one will call me back, they continue to say they can not find the request. 

Initially, the rep scheduled a time where she was going to have a supervisor call me back XXXX she scheduled the call back a week from the day I talked to her ). No call!!! 

I then called back again and requested to speak to a Supervisor. They put me in touch with XXXX XXXX, ( XXXX ) XXXX, who was to call me back on XXXX after filing a Fraud report with Mr. Cooper XXXX this was a week after I talked to her - that gave her enough time to do the filing and find the paperwork I am asking for ). Needless to say, no call. I left her a message and again no response. 

This company is suppose to be documenting their interactions with the client ( me ) but when I call it is rare that they have documented the prior conversation, issue, etc. so it is like starting all over again, This is personal, private information they gave out. XXXX said they respond to these requests based on the account number ... how this person got the account number I don't know and it concerning. They said it was XXXX XXXX title company 's number on the fax. I called that number and listened to a recording say 'Hi This is XXXX and XXXX XXXX we're not home right now ', no company. 

Where do I go from here to ensure I get a copy of the request, what they sent and ensure this DOES NOT happen again. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution to investigate. My claims adequately. They informed me that recovering lost funds was impossible, and then tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX  has not only neglected to protect consumers that has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raising serious concerns about consumer safety.
Product: Checking or savings account

Ask why Im getting charge so much for overdraft and someone offer me a checking account and I was told everytime I take money out at a different atm they will automatically put money back inside for using a different atm but they was a lie
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureau to delete the unauthorized credit inquiries but its been well over 30 days and no response from them. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX XXXX from XX/XX/XXXX XXXX
Product: Credit reporting

I contacted the credit bureau in reference to some unauthorized and uninitiated inquiries in my credit file. They advised me to contact the creditor, if I did not contact them in order to establish a relationship initially why should I have to contact them to have it removed. The credit bureau broke the law by allowing false information to be reported in my file. So they need to contact them to have it removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. The XXXX inquiry is mine but should only be in my file 1 time it looks to be duplicated. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 twice this inquiry is duplicated multiple times, XXXX is authorized. 
XXXX XX/XX/2016 XXXX XX/XX/2016 Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I'm a single parent who was putting a way2go card program from XXXX XXXX  without my knowledge or approval. When I received the MasterCard last year I made several attempts to activate it and contact the company but it is virtually impossible because it's all an automated system. And it's also extremely confusing to do so I gave up. I got a letter from them today telling me that I have a balance available of {$1200.00} child support payment for my child. I called them up verified who I was got a very rude female customer rep requested a supervisor then she hung up on me after I told her I didn't understand how the program works or how to use or activate my card. I would like my money sent to me can a cashier 's check or make it available on a credit card to where I can speak to a live person that can help me use this card so I can provide for my XXXX  I'm also a XXXX XXXX veteran. This program never works for single parents like me all they do is charge is unnecessary fees and take for my XXXX  I have no idea why people continue to use these types of programs to take advantage of us. Someone needs to investigate this company for their on at the call in illegal practices.
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts below, 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. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX XXXX  Account number xxxxxxxxxxxx XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number beginning XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Lately Ive noticed that my account would be low and Im charged a fee. Or someone hack into my account take money and Im charged. Ive been having problems with them blocking/locking my card without notifying me. Its a lot
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent accounts currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, these accounts are still being reported on my credit report. I have contacted the creditors associated with these accounts, and they have acknowledged the fraudulent nature of these accounts so the accounts were already removed from XXXX and XXXX. I have also provided the creditors with all necessary documentation to support my claim. Please remove these accounts from my report : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX. XXXX XXXX - XXXXXXXX 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$1800.00} This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXX XXXX Balance Owed : {$2800.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance Owed : {$1000.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance Owed : {$160.00} Reporting unknown which means it's incomplete, please delete this account.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Dear Commissioner XXXX XXXX XXXX, I have an account at Coinbase. 
I received and email saying XXXX XXXX XXXX, Coinbase is committed to working with local regulators around the world. As part of that commitment, we are required by law to periodically confirm and update the personal identifying information of its customers, otherwise known as Know Your Customer or KYC information, and the time has come for us to refresh your KYC details. 
Which I received Sat, XXXX XXXX at XXXXXXXX XXXX I have been trying to access my account without success. The company had copy of my driver licenses front and back. My correct email, cell phone number, password. I was denied access to my account because my video was not acceptable. 
I called XX/XX/XXXX and had to cut call short. I received this email afterwards. 
On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX, Coinbase Support XXXX wrote : Hi XXXX, Your account functionality is currently limited because the information on your identity verification document didn't match the information you originally entered during sign-up. 

To comply with applicable regulations, Coinbase must maintain current, accurate, and matching customer information. This helps ensure that our customers can use our products and services in a safe and secure way, and we appreciate your patience with this process. 
I also believe Coinbase is attempting make it so difficult for people to access their account with Coinbase that Coinbase will be able to claim the account holder has abandoned the account. I believe after an account is abandoned a certain amount of time Coinbase can claim the funds as theirs. 

I want all my assets in Coinbase liquidated and funds deposited into my XXXX XXXX XXXXXXXX account. 

I would like the XXXX to regulate Coinbase so they use less arduous proof of customer identification to prevent XXXX abuse of customers. 

Thank you. 

XXXX XXXX XXXX phone ( XXXX ) XXXX Cell Phone ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX
Product: Mortgage

My mortgage loan had matured on XX/XX/XXXX Ive been given several different pay offs amounts different amounts turned into the credit bureau. I tried asking for detail starement one Rep said theyll send it and never did then another Rep said they would sent it and I still hadnt received anything then months later I get told by a rep that I have to send it in writing which I did certified mail I received confirmation that they received my letter on XX/XX/XXXX XXXX also working with XXXX XXXX and Legal Aide on this matter. XXXX XXXX through XXXX XXXX also sent an Email requesting the same information on XX/XX/XXXX On XX/XX/XXXX Rushmore services called and I had spoken with XXXX XXXX XXXX XXXX say they received my letter and they also received XXXX XXXX XXXX, XXXX stated XXXX had mailed out the information? I told her neither me nor XXXX received anything as of XX/XX/XXXX she then stated she would Email Us both with the information we requested, and mail a copy out to mail? As of today XXXX XXXX I nor XXXX XXXX had received anything by email from XXXX XXXX or XXXX servicing however I did receive a letter stating my loan was in the process of Foreclosure on or around XX/XX/XXXX XXXX cant remember exactly the date but the letter from XXXX was dated XX/XX/XXXX They knew I was asking for information regarding the charges and balance of my mortgage loan and they know XXXX seeking help from other resources yet they havent complied with anything they agreed to or what I requested. I want answers as to why I even have a XXXX balance and why I have over {$3000.00} in miscellaneous charges? Ive tried to upload Documents and my information but for some reason it wouldnt upload my documents? But I do have documents of Email requesting information and a copy of my certified letter copy of where I mailed it and the receipt from post office and a copy of them receiving it. And any other documents to orove my claim. XXXX
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 responds 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. 2025-CFPB-0002 ) 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. 
The account are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On a {$1500.00} loan that originated in XX/XX/XXXX, I have made the following payments : {$320.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$380.00} on XX/XX/XXXX and {$180.00} onXX/XX/XXXX. 
There is a payment due XX/XX/XXXX for XXXX. All of these payment have totaled {$1500.00} not including the XX/XX/XXXX payments made on this account. Needless to say, this has put me in serious financial distress. My bank account is constantly overdrawn, and I have been unable to make a payment on my state and county taxes which are seriously delinquent. I need some kind of consideration on this loan. I do n't know how many more payments I owe or what those payment amounts will be.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies?

By 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 XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

I requested information be removed from my XXXX XXXX credit report and notice several discrepancies on the report. They agent XXXX XXXX XXXX stated that I needed to contact you all and once it was complete they could remove it. I have contacted XXXX XXXX, Equifax, and XXXX 3 times as of this date XX/XX/2023 and have found something new and the inquires I did not authorize still on there. Also a job listing that I have never had. 
I have contacted the three Credit Bureaus XX/XX/XXXX, XX/XX/XXXX Certified and XX/XX/XXXX Certified and XX/XX/XXXX phone and XXXX XXXX again today XX/XX/2023 via phone. 

XXXX XXXX XXXX, Inquiries Not Authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX credit transaction on XX/XX/2023 ( {$720.00} ) I have called this company and get nothing but a voicemail service. 
XXXXXXXX XXXX XXXX  Lender XXXX XXXX XXXX XXXX XXXX Secured Loan This does NOT Belong TO Me There are several other inquiries 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  This Account was paid off within the 90days and the Card on the account was removed and when attempted to pay it over the phone the agent stated that she could not take my payment because a payment had already been taken from my credit card. I informed her that I wanted to make my payment over the phone being that my 90 days would be up on the following Monday. They had a glitch in their system and the money did not come off my card and then they attempted to make me pay the full amount. But now on my credit report it shows the they wrote off {$300.00}. it also appears to be on my report twice. ( XXXX )
Product: Credit card

The first date delinquency that you have does not match the date that i have under 15 usc 1681 BE you must provide maximum possible accuracy and I'm taking into consideration that the CFPB is Sueing you as well. I'm also requesting Full Disclosure of the CMI of my profile