23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I had a severe home leak that necessitated receiving a large insurance check. Since that date, over the past three months I have promptly uploaded and scheduled everything that my mortgage company requested through their partner insuanceclaimcheck.com. Since that time, I have submitted the same form multiple times ( W-9 ) and it has either not uploaded, I have been told the form is too dark, or that the business type is wrong. At this point, no rep can give me a straight answer as to why they will not accept the final form and cut me my final check. This company is now forcefully holding {$23000.00} under the guise that there is something more I need to do ; that they will not tell me. All repairs have been completed and an inspection from their company shows as much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$630.00} XXXX XXXX  XXXX Balance Owed : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the FCRA and as a federally protected consumer I am opting out of any authorization, I previously gave you written, unwritten, verbal nonverbal, or implied. As per 15 US C 1681A reporting transactions and experience between a consumer is illegal. A per 15 USC 1681B they were not given consent to furnish my information. 
Experian furnish my information for third-party. Also without my consent XXXXXXXX XXXX  original creditor XX/XX/XXXX reporting balance of {$3300.00} Furnish my information to XXXX XXXX XXXX for debt collection and the amount of {$3300.00} I do not conduct business with XXXX XXXX Nor did I submit any contract with them? also XXXXXXXX XXXX  is reporting {$580.00} balance, open date XX/XX/XXXX on a collection which is considered a certificate of a indebtedness which is considered income and income can not be reported this this is Security fraud please investigate
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { ALL OF THESE INQUIRES WERE FRAUDULENTLY ADDED TO MY CREDIT REPORT AND NEED TO BE REMOVED ; EQUIFAX : XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/ XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Contract hire ) XX/XX/ I have no knowledge of these inquiries an they shouldn't be on my credit report I did not authorize them to pull my credit these are fraudulent inquiries
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particular in light of the recent CFPB lawsuit highlighting significant issues with the platform. Used Zelle plenty of times, my financial institution and Zelle failed to investigate my claims. Was informed that recovering lost funds were impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit card or prepaid card

I received my card on the XX/XX/2020 and called customer service after opening the card and seeing the APR I am contacting you regarding my recent application to a discover it card, I received an offer in the mail that stating that I would be getting an APR of 13 % when i received my card I was told that they were giving me 20 % as my APR. 
I did talk to a rude women on the phone who only said that it had to be done at the time of applying. Seeing how it is not clearly stated on the letter with the invitation number I feel as though this is a gross representation of the pre-screened offer that I received. I also never received an initial APR offer of 20 % upon applying or I would have never signed up for the card seeing how much higher it is than what was offered in the mail. Is there any way this matter can be resolved?
Product: Credit reporting or other personal consumer reports

I have been disputing an account with XXXX regarding Commenity Bank XXXX since XX/XX/XXXX. The account was removed from my credit report in XXXX XXXX and then was reinstated in early XX/XX/XXXX. XXXX stated that the furnisher submitted a letter stating that the account was verified as accurate and belonged to me. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to Commenity Bank XXXX to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with the Texas Department of Criminal Justice at XXXX XXXX XXXX  from XX/XX/XXXX. My XXXX  XXXX  was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the XXXX XXXX XXXXXXXX  when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX and Commenity Bank XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my report as soon as possible. Thank you for your assistance with this matter
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Money transfer, virtual currency, or money service

On XX/XX/2023, two {$8000.00} wire transfers were fraudulently wired from my Chase checking account, and one of the transfers was refunded immediately but not the other. I filed a claim and closed the account. I received the forgery packet at the end of XXXX saying the claim was closed until the Claims department received the information in the packet. I contacted the Claims department on XX/XX/XXXX to inquire about my claim and was told the forgery packet arrived XX/XX/XXXX, and there was no update on the claim yet. I contacted the Claims department again on XX/XX/XXXX to inquire about the claim. I was told that my claim was denied in XXXX ( before receiving the forgery materials ) due to Chase believing it was not fraudulent, so it would not be investigated further. I was also told that I was mailed that information in XXXX, but I never received such a letter. I was told that letter could not be mailed again and that there was nothing I could do/no one else I could talk to at Chase about my claim. I was told to contact the recipient of the transfer, but as I did not authorize the transaction, I do not know who received it. I messaged Chase through my account to inquire about the denial of my claim, and was told on XX/XX/XXXX that it appears that I authorized the transfer ( which I did not ), and they tried to do a " courtesy recovery '' but were not successful, so the situation would need to be " resolved directly with the recipient, '' who is someone that I do not know. 
I did not authorize the transactions. I do not know who sent or received the money. I have not done anything that is grossly negligent regarding my checking account. 
I have filed a police report with the XXXX, IL Police Department and provided them with the bank statement with the wire transfer details and any correspondence I have had with Chase. I have contacted attorneys to understand what legal liability Chase has and how to proceed with getting my money back. I would not be going through so much trouble if I authorized these transactions.
Product: Credit reporting or other personal consumer reports

XXXX had my credit merge with someone with same or similar name. After month they finally unhinged my name but left all the inquiries on my file. 
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
Product: Credit card

CAPITAL ONE BANK USAACCOUNT NUMBERs : XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXPHONE : XXXX FAX NUMBER : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CAPITAL ONE BANK USA or any company associate with this account # XXXX, **************** and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SS # XXXX DOB XXXX XXXXADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash APP ( block, Inc. ) due to the inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions has caused significant inconvenience and financial loss, and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How many letters do I have to send to the Credit Bureaus for them to finally take action and correct the information that the disputed account reports on my Credit Report? I have been disputing the accuracy and validity of the information these accounts report on my Credit File with by sending dispute letters to them hoping that the Credit Bureaus would turn their heads and comply with my requests. The last letter I sent to the Credit Bureuas was dated XX/XX/XXXX and I have not received anything from them which is considerable as a response. I am willing to pursue legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. I am submitting this complaint to protect my rights. I need the following accounts be correcred from my XXXX XXXX in order to report accurate only information ; 1. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX 2. XXXX XXXX XXXX DE XXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX
Product: Checking or savings account

I opened an account with PNC on XX/XX/XXXX using a promotional code. I deposited a direct deposit for the amount they requested and I was sent an email confirming the direct deposit, which can be provided. Now they are claiming that the deposit was not a direct deposit and refuse to pay the promotion.
Product: Payday loan, title loan, personal loan, or advance loan

I had no idea that the interest rate would be like this. It is a XXXX dollar loan taken out in XXXX. They took XXXX every other week. And my balance is almost XXXX. Then they were taking from my bank account with different names and check sequence. XXXX going through a bankruptcy and they def already got paid back twice. They should be ashamed taking advanced of a XXXX XXXX veteran
Product: Debt collection

I filed a complaint with Santander Consumer USA through the XX/XX/XXXX on XX/XX/year> because they did not send me a copy of the original contract like I asked the first time. They did eventually send the contract over through the XX/XX/XXXXhowever, according to the contract, the original creditor is not Santander Consumer USA. I asked Santander Consumer USA to send over the disclosure notices from the original creditor that gives them permission to share my personal information with third parties, they failed to do so. If they cant provide proof that they have permission to have my personal information from the financial institution they need to remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows that theres was a hard inquiry from XXXX XXXX XX/XX/XXXX of XXXX, I have never inquired about credit before until around XXXX of XXXX to finance tires. So this hard inquiry that is negatively affecting my score was not made by me. Tried calling captiol one and the customer service phone line did not help to try and dispute this. I have however applied for a credit card through them XX/XX/XXXX, and this is when I noticed it because that hard inquiry was notified to me through XXXX XXXX
Product: Debt collection

National Credit Systems is attempting to collect XXXX when the amount owed is {$90.00}. Ive contacted them several times with the most recent being XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not feel as though the credit bureaus are doing their due diligence because they are reporting incorrect information on my credit report. I have never been late with XXXX XXXX yet they are reporting a late payment of XXXX days for XXXX. They also report a difference balance than what my statement has for the month of XXXX. I am requesting that XXXX, XXXX, AND TRANSUNION immediately remove the late payment and update the account to paid as agreed, never late. Also update the correct balance for the account listed. I have attached proof of payment and proof of my statement listing the correct balance. The account is XXXX XXXX  XXXX.
Product: Checking or savings account

I applied for a loan on XXXX and got denied. 
Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. 
They violated the equal credit opportunity act and consumer credit protection act by denying me my business credit. ( Code 12 USC 1431 )