23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 4 FTC reports with inquiries I did not authorize, Please also update my personal info and revise the letter sent with an account reporting inaccuracies that also needs to be deleted
Product: Debt collection

NOTICE TO CEASE AND DESIST ALL COLLECTION ACTIVITIES AND FALSE DEBT CLAIMS R.A. ROGERS INC DOES NOT HAVE A CONTRACT WITH XXXX XXXX. NO SECURITY AGREEMENT IN WHICH XXXX XXXX IS A DEBTOR or AGREED TO BE A DEBTOR This is aggrevated identity theft as I did not authorize the sharing of my nonpublic information with a non affiliated 3rd party There was never any debt that existed to begin with this trust agreement has been XXXX XXXX since the trust agreement was created. Your false claim for a debt not owed may lead to Defamation in the XXXX, irreparable harm. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. SEE ATTACHED UCC 9-210 REQUEST
Product: Debt collection

ID FRAUD VICTIM. FRADULENT APPLICATIONS HAVE BEEN USED TO GAIN CREDIT AND OTHER ACCOUNTS IN MY NAME. FILLED XX/XX/XXXX FOR  SEVEN YEARS
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a previous complaint regarding the reporting of XXXXXXXX XXXX  corporations fraudulent report to my credit profile. The response I got was simply file a police report. I have no knowledge of this account I dont know what bureau for district this event took place in. So rather then the Agency investigating looking into or finding the facts they simply throw it on me to prove that theyre wrong in the reporting. The fraudulently reporting to my credit profile while asking me to give them personal information that would allow identity theft to happen while saying if I think its identity theft I mean I dont know if anyone stole my identity I only know its not my account and does not belong there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unless you can send me the petition that verifies you've reported this bankruptcy accurately you need to remove it immediately. I can clearly see that this account does not conform to the FCRA regulations by reporting a court name that reflects 3 different information
Product: Credit card

My wife 's identity was stolen. As part of dealing with that I reported a " fraud alert '' to the credit agencies. Capital One Auto Finance then reported possible fraud on my account. This was after I had paid off the auto loan within two weeks after the loan was taken out. This has been corrected by Capital One Auto Finance. I have had a Capital One credit card for 10 years ( me personally, not joint with my wife ). They then sent me a letter stating that the new chip card they were sending me had " come back to them '' and that there was likely fraud at play. I had never reported any fraud to them on this card nor had they identified to me the particulars of fraudulent activity. They sent me paperwork to fill out about this so called fraud, which I returned to them immediately, stating I was not aware of any fraud. They then cancelled my card and I am no longer able to log in to my account. This was a major inconvenience because I use this card for automatic payments and since I go paperless, and I could not log into my account to see which vendors I would need to notify. Most troubling is that my REWARDS that I have accumulated are no longer available to me. I have called my " fraud contact '' at Capital One many times with never a call back or a letter. It 's fine that they no longer want me as a customer, but they are stealing my REWARDS from me. I have excellent credit, there is no documented fraud on my account and I feel I am being severley mistreated by Capital One. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I got credit reports very easily from XXXX & XXXX. BUT! As usual I could not get credit report from Equifax. I'm sure they have messed up whatever they use to check my ID. Equifax has done this before! Also, the credit questions computer asked were beyond difficult and difficult to answer because question ( s ) asked about XXXX credit I opened in XXXX. I had to open about 5 credit card accounts because XXXX wanted me as a defacto cosigner for my XXXX wife! I didn't want any more credit cards! I have plenty. So, which credit card is Equifax asking about? Who knows? I've been using credit since XXXX, no late payments, no bankruptcy, usually pay off every month. Yet, I'm treated like a criminal by Equifax, ALWAYS SAYING WE CAN NOT CONFIRM YOUR IDENTITY! THIS IS XXXX! THIS IS A GAME BY EQUIFAX TO MINE MORE PERSONAL DATA OUT OF ME! AND THEIR USUAL ERRORS IN MY PERSONAL INFO. Equifax has contract with US Government to be a source of personal data about all of us!!! Equifax is a liar!!! I want my annual report now!!! I'm sure I will find mistakes as I always do in Equifax Annual Reports!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, and fraud/scamming, 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bellow I sent to Credit Bureaus via certify mail '' " Account Name : XXXX XXXX Account number : XXXX To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this account is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reasons were not frivolous in any way. '' I did not received any response from XXXX  and Transunion, only XXXX  and Transunion keep posting wrong info on my report.
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 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 XXXX XXXX XXXX XXXX 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: Mortgage

I refinanced a mortgage and finance the purchase of a new home with LoanDepot. This was in turn sold over and given over to LoanCare to service the loan and I recently learned that XXXX XXXX is the investor that bought my loan. 

I am writing with urgent need of help - LoanCare is harassing me for no reason - I am attaching couple can examples of how Loan Care is harassing me and how badly they treat customers. As one instance they are playing with my escrow dollars to pay for insurance that my building already has - at one point they too {$2500.00} from my escrow for insurance - it took over a month and 50 man hours in calls from me and the insurance company to finally get this money back in my escrow account. 

Another instance even though I was in Covid-19 forbearance for 2 months which I got out pretty quickly I paid in full and completely on time 2 weeks ago. Yesterday ( XX/XX/XXXX ) I get a letter saying that I was behind 37 days and had missed two payments. I had to waste 3 hours calling them just to find out that it was a mistake of their automated system ( had to put up with a customer service rep screaming at me and not wanting to hear my complaint ). I have multiple other examples of issues with flood insurance charges that are already covered by my HOA and have plenty of proof. Everytime I call them is at least 40 minutes on hold when they finally answer - they say its fixed, that it was an oversight in their part just to have another letter 3 days later threatening me that they will buy more insurance on my behalf because my building doesn't have enough insurance ( which is a lie and have to call them again ) - even though I already shared the insurance certificate with them. Loan care practices border on criminal harassment. For your records the loan numbers I am complaining about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( unit rented ) Loan number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( I reside here ) Loan number : XXXX The latter one is the one I want escrow funds released back to me immediately - they are actually holding about {$1400.00} over my liability. My property tax liability is {$4000.00}. They are holding {$5400.00}. - I have all the proof you may need Please I need help - the stress Loan Care is giving me me is already causing health issues Thanks and regards XXXX XXXX XXXX XXXX : I am attaching a couple of examples of the type of harassing letter I get 3 times a week at least ( I have a credit score over 800 - never been late on a payment - so this type of treatment is new to me )
Product: Debt collection

I had a XXXX XXXX XXXX Store Card account that was charged off. I spoke with XXXX XXXX in XX/XX/XXXX and agreed to a settlement of {$770.00} to be paid by XX/XX/XXXX. I was told a letter confirming this settlement agreement would be sent out within 10 business days and I went ahead and paid {$150.00} towards this agreement on or around XX/XX/XXXX. On or around XX/XX/XXXX I contacted XXXX XXXX again to inquire as to where the letter confirming our agreement was and that I was hesitant to make payment to them without confirmation of the agreement. I did not receive a letter. 

On XXXX XXXX, XXXX I contact XXXX XXXX again and told them I was upset that I did not receive the initial letter and that they had made it frustrating to repay my debt. They offered to settle the account for {$650.00} to be paid by XXXX XXXX, XXXX, an amount that is higher than what I originally had remaining to be paid. I request XXXX XXXX send me a letter confirming this agreement and again raised concerns about not receiving it the previous time. 

I never received the letter and on XXXX XXXX, XXXX I received a letter dated XXXX/XXXX/XXXX from a XXXX XXXX  indicating they had been hired by XXXX XXXX to collect an outstanding balance of {$870.00}. This initial demand letter I believe violates several portions of the FDCPA as does XXXX XXXX XXXX  misleading actions.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX  XXXX Balance Owed : {$3400.00}
Product: Debt collection

I am writing to dispute the reinsertion of previously deleted negative information on my credit report, specifically pertaining to an account with Bank Of America. 
I was not notified that this account would be reinserted.- this is a violation -If previously deleted information is reinserted into the credit report, the CRA must notify the consumer within five business days of the reinsertion. XXXX  This notification must include : -A statement that the information has been reinserted. 
-The name, address, and telephone number of the furnisher of the information. 
-A notice that the consumer has the right to add a statement to their file disputing the accuracy or completeness of the information. 

This reinsertion is in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is XXXX, and I did not authorize them. Please rectify this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a debt on my credit report, from a company named XXXX XXXX XXXX for {$400.00}. This debt does not belong to me. I have no knowledge of this debt. It is fraud. I reported to Transunion that my identity had been stolen from years XXXX through XXXX. I have no knowledge of this company. I have not had any dealings or contracts with this company. I have never had any services with this company. I have not ever used any debit or credit card transactions with this company or their affiliates. I would like for Transunion to remove this debt from my credit report.
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.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I received a letter from EOS CCA in reference to an alleged amount due to XXXXXXXX XXXX for {$68.00}. To my knowledge, I have never agreed to do any business with EOS CCA. As of my right, please provide written validation of any business agreement with your agency ( EOS CCA ) per FCRA regulations.
Product: Credit reporting or other personal consumer reports

I called XXXX on XX/XX/XXXX, XXXX and XXXX trying to find out why my credit report can be seen by vendors. On XXXX I was told my credit was frozen by the vendor. I called XXXX and was told my credit was not frozen. I called saturday to check again and my account was deactivated so I can start a new account and unfreeze my account. The vendor still cant see my credit report. I called again on XXXX and I was told I would receive a call to fixe the issue. I called back and then was told I have to wait days to get the issue escalated. I checked my experian and XXXX report and I can not see my report with them either. I am looking to use my credit but I can not due to this issue. Experian says my lenders may have different information from them but could not tell me how to find out what information they have and how to fix the issue.
Product: Checking or savings account

XXXX XXXX, XXXX, XXXX PM, I took a check in the amount of {$1500.00} to Chase Bank in XXXX XXXX, XXXX to be deposit into an existing CD. The Bank teller who filled out the deposit slip entered the check for {$15.00} instead of {$1500.00}. Immediately the following day when the Bank opened I went back to Chase Bank to report the Teller 's mistake. I was told that the Teller 's error would be corrected. 
Two months later, XXXX XXXX, XXXX Chase Bank withdrew {$1500.00} XXXX {$1500.00} amount of check for deposit minus {$15.00} enter by Teller ) from my CD. 

At this point Chase Bank tried to coverup their error, and told me the check was submitted several times and there was n't funds. What they failed to tell me was that check went through for the wrong amount of {$15.00} entered by the Chase Teller, therefore could not go through again for the correct amount of {$1500.00}. I only found out the truth by going to the bank where the check originated from. 

To make matters worse, they continued with their coverup by telling me that the original check would be sent back to me and I could take it to the Bank where the check originated. For over a month I waited, continued to go into the Bank, and got a complete run around. Getting the check back was never going to solve the problem and never came. 

The writer of the check is a XXXX man with limited XXXX. He has not responded to my request to correct the Bank 's error. I do n't feel I should have to hire an attorney to recover the money Chase Bank deducted from my account. This was certainly not my fault. The XXXX not only entered the amount wrong on a hand written deposit slip, but also keyed it in for the wrong amount. Perhaps Chase Bank thinks that they can keep putting me off and because of XXXX XXXX XXXX XXXX XXXX I will just let it go. 

Chase Bank needs to own up to the mistake of their Teller and put back the {$1500.00} they deducted from my account.
Product: Bank account or service

I visited the XXXX XXXX, VT Peoples branch to update my information and remove the custodian on a securities account along with the custodian of the account and all necessary paperwork. Both the teller and XXXX XXXX, the woman who updated the account, said the custodian 's authorization to make the changes and remove the custodian was not needed and that the account had been updated. 

The following day, I received a phone call from XXXX XXXX to visit the branch again as there had been a problem with the paperwork and the custodian 's authorization was needed. During a phone conversation with XXXX XXXX XXXX ' customer service, XXXX XXXX, the customer service representative, informed me that XXXX XXXX was not listed in the securities employee database. 

In a follow-up phone call from XXXX XXXX, she accused me of suspicious activity by changing my name, address, and removing the custodian in XXXX visit and pushed for a reason as to why it would be so difficult for the custodian to authorize the change.
Product: Vehicle loan or lease

Fifth Third Bank debited my account an amount that was almost double what they were authorized to debit to pay for an insurance policy.

They asked me to provide proof of insurance coverage on XX/XX/XXXX and I submitted on XX/XX/XXXX that proof of coverage.

On XX/XX/XXXX I saw that the amount debited from my account was around {$950.00} whereas my monthly payment was around {$540.00}.

When I called in they said they had received the proof of coverage but that the loss payee was incorrectly listed as " XXXX XXXX XXXX XXXX ''. That is correct, the proof of coverage I provided had this clerical error on it. However, no one from the bank contacted me to inform me that the proof of coverage was defective. Instead, they purchased a new policy for me at a cost of {$3500.00} and began billing me for it.

I'm concerned about a few things in this situation.

First, I believe that Fifth Third may be in violation of the EFTA regulations regarding pre-authorized electronic funds transfers. Per 12 CFR 1005.10 ( d ), " When a preauthorized electronic fund transfer from the consumer 's account will vary in amount from the previous transfer under the same authorization or from the preauthorized amount, the designated payee or the financial institution shall send the consumer written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer. '' I never received any notice about the roughly {$400.00} increase in my monthly payment.

Secondly, the bank 's failure to notify me of the fact that they deemed my proof of coverage defective seems convenient. I haven't done legal research to determine what statute or regulation this runs afoul of, but this particular practice seems like a fraud. When I bought the policy from XXXX XXXX, I believe it is XXXX XXXX 's practice to notify the lienholder of the existence of the policy. I don't know yet whether XXXX XXXX  did that. But, I provided Fifth Third with proof of coverage, like they asked for, and they did not seek to contact me or XXXX XXXX after determining the coverage had a clerical error on it. This is wrong.
Product: Checking or savings account

I deposited a USPS money order in the amount of {$700.00}. I made the deposit to my account at the Bank of America ATM. A receipt was produced stating there is a 8 day hold ( 6 business days ). When I inquired, I was told that they have to verify that it is real. 

Bank of America can give me no better reason than that. I thought that the Availability of Funds Act stated that USPS money orders should be available the next business day.
Product: Credit card or prepaid card

I have an erroneous charge on my Barclays credit card. It states I owe {$1200.00} for a convenience check and {$48.00} balance transfer fee charged in XXXX 2022. I did not activate the card or put any charges on it, nor did I use any convenience checks. I called, faxed, mailed ( twice, once certified mail ) my dispute and requested an investigation in XXXX and again in XXXX since no response. I also submitted a dispute online. The phone calls went no where. They kept transferring me to other departments and putting me on hold and then hanging up. Its been month and I have not heard back from the company at all, and my credit score has been lowered because of it.