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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2016 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

It's been a lot of difficulties in terms of depositing check with Ally bank. 
I deposited a check from my account in XXXX XXXX  worth {$230.00} on XXXX XX/XX/2022 well before XXXX EST. 
This is what mentioned on Ally bank 's website for this check deposit : We have information that indicates the check may not be paid. If the check is not paid, we'll notify you by mail. If the check you deposited is paid, we will refund any fees for overdrafts or returned checks that result solely from additional delays imposed by us. To receive a refund of these type fees, please call XXXX. We're available 24 hours a day, 7 days a week. 


Well Ally need to be very sure rather than speculate. Moreover I have been Ally bank customer for more than a decade then why can't ally notify me that something bad/negative is going to happen to my account? They have my email, phone # and everything. 

When I called for the other check- {$2700.00} which is for me and my spouse. I was told deposit it again in our joint account. I tried that but it was not allowed. I need to call 3rd time but there was no certainty in terms of what will happen to the previous check deposit-it will be accepted or not? It seems God  is running this bank and everybody in Ally bank is totally clueless in terms of what is going on? There is no seriousness in terms of Ally bank 's working. Customers are misguided. 

During last 4 days, I need to call Ally bank several times... hold times of more than 45 minutes and even after that substandard customer service. Right now I am on call with ally bank beyond midnight of my time.
Product: Checking or savings account

I have a checking account with Chase bank. I checked my account today via the Chase app like I have done many times and I see an account hold has been put on my account. The account hold was for - {>= $1,000,000}. My balance before this account hold was {$8900.00} and my current balance is- {>= $1,000,000}. The bank has frozen my access to my {$8900.00} so I am unable to pay my bills or use my debit card for purchases like food and other necessities. I did not make any changes to my account, request any changes, or anything else to my account. See attachments for details. 

When I called Chase customer service, they could not provide me a reason or when the hold will be removed and told me that I need to visit a branch. The branches are closed and I am unable to visit a branch timely due to my XXXX. 

I am asking for help with resolving this matter, which I think is fraudulent, deceptive, and/or illegal banking practices in order for Chase to benefit from holding my funds for their profitability
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$720.00} XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX XXXX. I'm reaching out today over the following information, which is a result of identity theft from XXXX, appearing on my credit report. I have informed the company on multiple occasions that this information is related to identity theft, provided documentation, and disputed the information as such to XXXX. Every other credit reporting company has removed this fraudulent information upon being provided the proper documentation, however, XXXX refuses to do so and the company continues to fraudulently " certify the information as accurate. '' CREDIT COLLECTION SERVIC # XXXX ( XXXX XXXX XXXX, XXXX XXXX MA XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. 
Here is how this item appears on your credit report following our investigation. 
Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$140.00} Date Updated : XX/XX/XXXX. 
Original Amount : {$140.00} Original Creditor : XXXX ( Insurance ) Past Due : XXXX $ XXXX Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACEDFORCOLLECTION< Estimated month and year that this item will be removedXXXX.
Product: Credit card or prepaid card

Someone is infiltrated my banking life.they steal of my credit card. 
I can't use it because wells fargostealsit or lets the fraudster steal it They refuse to credit anything back. 
I have been locked out of my online banking bg for year and half.. 

They will not so send me an ATM card I beg for help .I am XXXX with a XXXX  and XXXX XXXXthey made me homeless be because they would only give me a XXXX dollars to live on. 
.ca n't dispute any charges because been locked out
Product: Credit reporting, credit repair services, or other personal consumer reports

****Please note all communications are being documented due to intentions to pursue legal action************* Experian has concluded their investigation and failed to remove an account I have proven should not be included on my credit report. I have already spoken with the company directly who advised they would delete the credit entry as the account is a result of goods not received. I submitted a letter directly from the company proving the company 's intentions to delete the credit entry and showing the balance at zero. The collection agency that was once representing the company also agreed not to report the invalid information. It is for these reasons I can not understand how Experian could conduct a thorough investigation and still conclude that the entry was valid. 

I spoke to the company via proxy AGAIN today and they confirmed that the account was removed from collections, credited, and a request for deletion was made on XXXX/XXXX/2017
Product: Money transfer, virtual currency, or money service

I was scammed, still trying to figure out how, when I've never authorized any transactions of such as well as being unaware of it happening. Here with so many concerns regarding Zelle 's handling of disputes and communication. While using Zelle some of the time maybe most, I reported my differences and gave information that I was aware of me. The Bank ( financial institution ) and Zelle completely failed to investigate my claims the correct way and time stamp wise and adequately. They informed me that they were gon na solve the cases and get my money back. After few days, I was informed that recovering the funds was impossible and tracking the transactions, they were having trouble with and kept putting the blame on me. Was not me at all, still trying to figure it out. I lost some thousands do to this fraud. The CFPB 'S findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, and it leaves us Costumers Clients and hardworking invidividuals hopeless confused concerned worried traumatized and vulnerable to scams or frauds. Lack of accountability and transparency is not OK, unacceptable and also raises serious concerns about thr future and present of consumer safety
Product: Mortgage

Good morning : Upon conclusion of Mediation, it was agreed to have Servicer PHH ( sister you OCWEN ) begin a Loan Modification. After successful completion of 3 Trial payments on XXXX XXXX, PHH introduced a proposal for a Permanent Loan Modification on XX/XX/2020. Counsel for the lender AND Servicer prohibited my communication entirely to the Servicer-PHH. Total disadvantage. That which has resulted in delays of responses to my inquires regarding my mortgage and Loan Modification. The loan docs indicated expiration of XX/XX/XXXX ( Saturday ) to decide acceptance or declination. Less than the standard time allocated to accept of decline Modification. I requested an extension of time since 13 business days was not smoke time to understand the Loan Modification & explore all available options. An interest only Loan is very unfavorable especially in todays economy. Counterproductive to obtaining a Loan Modification. 
The extension was granted to XX/XX/XXXX. 
The Modification is adding new debt of $ XXXX in an interest bearing Balloon payment that is over and beyond the alleged total amount of arrears payments claiming owed. The alleged delinquency is supported by Servicer s recent PayOff Quote.. The Principal and Interest and Balloon payment exceeds total claimed debt., Effective XX/XX/XXXX, the CARES ACT includes Federally Related Loans in addition to Federally Backed Loans according to the Federal Reserves website. Federally Related loans which are different and much broader See Regulation X, 12CFR {$1000.00} ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX, has violated my rights. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy, Treatment of inaccurate or unverifiable information 15 U.S. Code 1681i section 5 Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX late payment XXXX  days. In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$110.00} StatusAccount charged off. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1986 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name XXXX XXXX XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In     2015   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX   XXXX     and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the  one  I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks late r on    XX/XX/2015    th ey took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien o n    XX/XX/2015 . I  have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disp uted this Public r ecord with all three creditors and it is still on my credit reports.
Product: Credit reporting or other personal consumer reports

In early XXXX, XXXX XXXX XXXX, an online background check and fraud prevention service, experienced a significant data breach. This breach allegedly exposed up to XXXX XXXX records with highly sensitive personal data of up to XXXX people in the US, XXXX, and XXXX ( XXXX XXXX ). 


This article provides detailed information about the breach, the data exposed, and recommended actions to help you stay safe. 

Breach Details According to XXXX XXXX XXXX, a malicious actor gained access to their systems in XX/XX/XXXX and leaked sensitive data onto the dark web from XX/XX/XXXX to the summer of XXXX. This data contained the following details :
Product: Credit reporting or other personal consumer reports

Per the fcra as a federally protected consumer I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non-verbal per 15 USC 6802.

15 U.S. Code 6805 - Enforcement Subject to subtitle B of theConsumer Financial Protection Act of 2010 [ 12 U.S.C. 5511et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau ofConsumerFinancial Protection, theFederal functional regulators, the State insurance authorities, and theFederal Trade Commissionwith respect tofinancial institutionsand other persons subject to their jurisdiction under applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 however upon checking, I found out that you have closed my complaint. Again, I am submitting my complaint to you today to update this suspicious account. I think the credit bureaus have not validated this account XXXX XXXX XXXX Balance : {$8100.00} in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX claiming to be a debt collector that is collecting on behalf of XXXX the amount of {$350.00}. I do not owe XXXX anything and I know for a fact that someone created a fraudulent XXXX account in my name, using an email I have never owned because they paid themselves XXXX $ twice back in XX/XX/XXXX. XXXX did not honor my request to reject the charges and my bank ended up paying for the fraudulent charges. Now this letter tells me I owe XXXX! I wasnt me! I am writing this to this portal cause I know XXXX is gon na. I ti he to believe it was me when it wasnt. I worked so hard to build my credit and it is so unfair!
Product: Debt collection

I did not have the opportunity to dispute this information prior to you putting a collection on my credit report. If in fact you ( Transworld Systems ) believe you gave me proper notification then please send me the certified mail receipt with my signature on it. Transworld Systems, you never sent me any notice within 5 days once you received this account from the original creditor. The {$500.00} amount was paid for and you ( Transworld Systems ) placed a collection on my credit report after the payment was already made. Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a XXXX party.