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

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 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 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 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.
Product: Credit reporting or other personal consumer reports

I have sent proof of address proof of social security card and drivers license. This company is using a stall tactic to prolong there investigation after sending proof the company respond and still ask for these documents that was sent with the initial dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN SCAM:  Experian is advertising on TV to visit Experian.com/scan to get a FREE deep web report to see if customers have been compromised after their data breach. I researched to ensure it was actually the Experian web site and confirmed it was Experian.

I accessed the site, entered my email address and clicked Scan.
In less than 1 minute I received an email from Experian (Experian ) stating that I had indeed been breached.

Copied email below:

We've scanned the Dark Web for your email address. This is what we've found. 
You and your information are at risk if your email address is compromised. This scan of the Dark Web will show compromised instances of your email address, which may put your identity at risk.

	View your report
XXXX 
	Report expires in 10 days

I tried to paste a screenshot of the results but this textbox will not allow the paste. 

The scan produced no useful information. Experian is trying to sell a service ($XXXX per month) for credit monitoring.  It was a sales pitch to make money off of the millions of people exposed due to their incompetency.
 
I am outraged that my personal information has been breached by Experian, the XXXX, XXXX and the list goes on. Cyber-security is not a new concept. The DoD, NIST (https://nvd.nist.gov/800-53/Rev4), and other technology standards groups, have created and published security controls in detail on multiple government web sites. There is no excuse for any company or government agency failing to protect the most private information of the people they serve.

Please take action to address the Experian issue and forward my complaint, the information I provided in the Action Requested section, and the screenshot, if needed, to any other agencies you feel could further address my complaints in general.

Thank you,
XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Bank of America levied a {$12.00} service fee that was immediately deducted. They did the same thing 2 months earlier. This is generated from transferring $ savings from a conumers checking to their savings account -- early. Normally this trasfer occurs on the last day of the month. They do this early a couple times out of the year to catch you without enough funds, and assess an automatic insuficient funds fee. Yet on all other inuficient amounts the consumer is allowed time to bring their account balance up - to avoid this neative result. In this case, however, the bank is purposely attempt to extract money from their clients to recoup loss of funds for free acounts, and thereby boost their profits. 
I believe this is violation of federal fair banking law, which no one is making these institutions answer for. In my case, for instance, theyve {$24.00} from me through the technique of catching me off guard. There are way over a million consumers with free accounts. Consequently this results in excess of 24 million dollars a year the financial institutions are raking in through unfair practices. I brought it to their attention, and they refused to refund my money.
Product: Mortgage

Shellpoint Mortgage Servicing W e received a payoff for  XXXX .   This amount included interest charged for several months.   One of the owners died and the daughter was paying the mortgage for this home and her primary residence. She stopped paying when she ran out of money.   The house was listed on  XXXX ,  XXXX  .We re ceived a contract on  XXXX   XXXX ,   XXXX  .   We are scheduled to close. There is not enough money to cover the interest that have accrued.   I have requested several times to delete the interest. The buyer is anxious to close.   Is this something you can help us with?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX XXXX : {$1600.00}
Product: Debt collection

On XX/XX/2024 I sent a request for the agency to validate the alleged debt. However, they responded with a lease that couldve been written by anyone as it did not have a company letterhead on it as well as a fee breakdown list of charges that appeared to be typed by anyone and if its opened on a word document its editable without a letterhead. Them sending that information doesnt FULLY validate a debt and make a person liable for it based off a lease with a first and last name on it without solid proof that its in fact the person responsible. Anyone could type up a lease and a fee breakdown making false statements. Also, the agency has been reporting different balances. The balance was once {$3200.00} and now its XXXX XXXX. Im responding back to the company as they did NOT resolve my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

I reported about the mortgage on my credit that it wasnt mines, I do not live their nor do I know how it got on my credit but I reported its a couple months back and I have yet to get a report back stating if it will be removed or not along with this credit collection service
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX - XXXX  Account Number : XXXX Account Name : 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 XXXX XXXX Account Number : XXXX
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 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 cfpbs finding indicate that Zelle has not only neglected to protect customers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THE ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % THE CREDIT BUREAUS STATED MY ACOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE NOT ACCURATE .THIS GROUND FOR REMOVAL THEY ALSO 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 AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Jefferson capital systems XXXX date opened XX/XX/2020 original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, paid
Product: Credit card

I had a credit card with Capital One since XXXX. On XXXX XXXX I received a letter in the mail that they are closing my account because it is not consistent with their expectations for account usage and violates the Capital One Customer Agreement. I had a substantial rewards accrued during my years using the card that I requested to apply towards the balance, however they refused citing account restricted. These were member points that were rightfully accrued and I should be entitled to apply them. They did not send to me a warning that would have given me the opportunity to correct any actions or close out the account properly. They did not cite the reasons how my activity was in violation of the Customer Agreement.

I am not disputing closing the account, that is their right. I am disputing that I can not apply the rewards points that I accrued towards paying off the balance of the card.
Product: Credit card

On XXXX XXXX I was informed that my credit card debt was {$45000.00}. On looking at my statement I am not aware of many of the transactions. Notwithstanding my credit axis limit for the card was {$25000.00}. Chase never alerted me that my account was going over the {$25000.00} limit. In the past Chase has alerted me if they were suspicious about a tentative transaction.
Product: Debt collection

I've been receiving mail and calls via the debt collector and its become a harassing matter. I tried to request verification via the debt collector and they can not provide it yet still send me letters in attempt to collect.
Product: Checking or savings account

Unable to access my account for over a month, still waiting for a PIN NUMBER they said was going to be mailed out to my XXXX P.O> address since XXXX XX/XX/2022 ... ... after more than a month of waiting, I am still unable to access my on-line account due to excessive information requirements and lack of alternate ways to provide me access to my basic checking account on-line. Although I have been 3-4 hours waiting for Service Representatives and gone through their 100 % authentication procedures and having them confirmed 100 % it is me who wants access to my account, still they have led me to no solution to my PROBLEM in trying to access my account. I am stationed XXXX XXXX on a overseas tour and bank of America has no ATM or bank branches here that I could easily access my account. Their customer representatives some of them are straight unpolite and unhealthfully awful to customers like me stationed overseas and unable to just drive to a Bank of America branch and get one-one help. Today XXXX XX/XX/2022, I still have not received a PIN for my checking account ATM card which they now require as to be able to log into my on-line account. Before, Bank of America required only an authentication through my email or direct text massage to my telephone number, but someone added a PIN NUMBER requirement to the on-line authentication. I have tried time and time over talking to a Service Representative numerous times throughout last 3 months about giving me a way into my account once they verified that it is my the owner of the accoun on the line... .everytime, they tell to wait for my PIN NUMBER... .that PIN NUMBER has never arrive ... ..Thanking you in advance for all they help you can do to help me while overseas and unable to check my checking account .... I have been with bank of america for over 15 years and can not understand why they are treating me this way .... XXXX XXXX XXXX, my XXXX cell number XXXX XXXX XXXX XXXX, and my email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was an account from XXXX XXXX XXXX XXXXXXXX reflecting on my Experian Credit Report that was deleted on XX/XX/year> that was reinserted into my report without my knowledge. The account was opened using all or part of my personal information. I submitted documentation from the bank, an FTC identity theft report, filed policew report, and Experian deleted this account under my name. The report number was XXXX I have attached the previous correspondence as well as the dispute results showing oit was removed ovwer 2 years ago. No mysteriously it has reappeared. I need this matter handled asap as I am continuing to be harmed years later even after what I thought was a matter that had been corrected. Please see attached documentation. I have consulted an attorney who informed me it is unlawful fro the credit reporting agencies to report innaccurate or flase information and unlawful for accounts that were previously removed to randomly appear again.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion poor displayed that they were charging {$20.00} for credit checking instead of a free credit report. They are not refunding the charge though I canceled within minutes of creating my account.
Product: Checking or savings account

I was checking my XXXX XXXX  account that I had paid in XX/XX/year> and saw that they had returned my payment but it wasn't on my banking acct. So I went back farther and I saw were the same thing happened in XX/XX/year>. I contacted my bank and they stated the money was never taken out. I then called XXXX XXXX and they stated they returned the money back into my acct, because XXXX XXXX had told them the account didn't exist. I've had this acct since XXXX of XXXX my acct had been compromised at least XXXX  times and they had me to come to the back for them to make me in house debit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams using XXXX XXXXXXXX XXXX of XXXX XXXXXXXX Indiana of my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX frauding scams using landdelopments in MO Missouri frauding my serial numbered documents attached to my national security clearance data of VA and military documents and also hospital data Frauding scams using Land development using other states documents
Product: Credit reporting

I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted XXXX, Experian, and XXXX about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''
Product: Credit reporting or other personal consumer reports

Have put in dispute with all 3 of the credit bureaus about these hard inquiries that I have don't have any knowledge about and the 3 credit bureaus still are refusing to remove these Hard inquiries off of my credits report even after explaining that I was a victim of fraudulent activity.I submitted a copy of my Identity Theft Report showing the alerts.They still are saying that it is being verified as accurate.How is that so I know nothing about these inquiries and demand they be removed from my credit report under the15Usc-1681 Consumer Reporting Act the information must be proven an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}
Product: Debt collection

I called the original debt holder XXXX  XXXX.which they told me it's looks like identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX Chase SWA credit card refused twice. Called Chase. Told payment set up for XX/XX/XXXX could not be processed. Made a payment of {$10000.00} ; card refused again after payment, Chase then told me it would be several days before payment would post. Also said letter was sent to alert me to this problem.Told letter because I " probably '' had not set up email or text alerts even though I reported that Chase had sent me XXXX emails on XX/XX/XXXX letting me know that the payment would post on XX/XX/XXXX. No information about failed payment from XX/XX/XXXX. 
Called after XXXX  refusal and told I could go make a {$1000.00} cash at a local ( to me ) Chase office and that would clear the card for use. I did that and about XXXX hours later, card again refused. Again called Chase, spoke to a " supervisor '' and was told that the info given to me earlier about the {$10000.00} payment and the {$1000.00} cash payment was wrong on both counts. the transfer of {$10000.00} and the cash payment of {$1000.00} would both post by XX/XX/XXXX. 
I was also told that I must have set up wrong ( closed ) bank account for payment and I must not have signed up for alerts. I went to Chase website and the correct bank account ending in XXXX had been identified for payment and I was in fact signed up for both email and text alerts, neither of which occurred with this whole ridiculous scenario. I relayed this information to a second " Supervisor ''. XXXX, that Chase gave me wrong info about which bank account was to be used for payment, gave me false info about my not having signed up for alerts, gave me false info about how long for {$10000.00} payment to post, and gave me false information about paying {$1000.00} on XX/XX/XXXX would immediately clear my credit card for use. Asked for an apology and got nothing. 
Utter incompetence, utterly unreliable information, and shifting blame for their incompetence and inadequacy onto me.I wasted my time getting the cash and taking it to Chase, I endured embarrassment of credit card being refused multiple times and wasted probably more than an XXXX  of my time trying to fix the problems that Chase created for me. They claim that the phone calls are recorded so they should have a record of these events. I asked for an apology, for them to acknowledge their multiple examples of mis-information provided to me by their customer service reps and have heard nothing back from Chase.