23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I learned today from my bank, Capital One Bank, that I am the victim of an employment scam. The scammers sent me PDFs of two purported checks, one on XXXX XXXX, XXXX  for {$3900.00} and the other on XXXX XXXX, 2024 for {$3100.00}, that Capital One now tells me are fraudulent. The scammers directed me to send all of the funds except for {$100.00} from each check that I could keep for myself to a purported third-party vendor to buy equipment for my work. Capital One cleared {$750.00} of the first check on XXXX XXXX, and then another {$750.00} on XXXX XXXX, so I sent the third party {$1400.00}, but Capital One now says I am responsible for paying them back all {$1500.00} that was " monetized. '' I have no problem with Capital One taking back the {$100.00} that is still in my checking account, but I do not see why I should be responsible for repaying them the {$1400.00} that went to the third party, which presumably is also associated with the scammers. In the meantime, Capital One has frozen all of my accounts with them, has denied me access to them, and has said that after this matter is resolved, I can never bank with them again.
Product: Credit reporting

I previously disputed this with you. I now have some evidence that I can upload as well. Portfolio Recover continues to report tha a payment was made in XX/XX/2011. The original creditors fax states that no payments were made in XX/XX/2011. The delinquency date was way earlier than reported. This should be taken off my credit reports immediately. They keep removing them from one and shifting to another and then cycling it back to initial credit report. The are reporting false information on both of their collection accounts. They are in violation of FDCPA and FCRA. I want them to remove this for good. I also want to to pay for their consistent violation which have adversely affected my credit rating.
Product: Credit reporting or other personal consumer reports

Transunion is unable or unwilling to provide a credit freeze. Their website is unresponsive. Their Chat function on social media ( XXXX ) is unresponsive. This is unacceptable. 

I have spent hours trying to freeze my credit report today XX/XX/scrub>XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. I have recently reviewed my credit report from XXXX, Equifax, and XXXX and I noticed several credit inquiries listed that I did not authorize or completed. These inquiries have negatively impacted my credit score, and I am concerned about the potential for identity theft or fraud or improper use from furnishers. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX I did not initiate these inquiries and I have no knowledge of the entities listed. 

I have already contacted the credit bureaus to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report promptly. 
I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance.
Product: Money transfer, virtual currency, or money service

identify you and your account. 
I am writing to formally express my concerns regarding Zelle 's 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 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 to scams. 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 to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
XXXX I want the CFPB to publish this
Product: Debt collection

COMENITYCB/OVERSTOCK # XXXX : {$130.00} I trust this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance regarding my credit profile. I recently discovered unauthorized credit card accounts opened in my name, and it has come to my attention that these incidents are a direct result of the XXXX data breach. 

Given the nature of the situation, I am seeking your assistance in initiating a credit break to rectify the unauthorized accounts associated with my name. The affected accounts, to the best of my knowledge, were opened without my consent or knowledge, and I have taken immediate steps to report these incidents to the relevant authorities. 

I understand the severity of data breaches and their impact on individuals, and I believe that your prompt and effective intervention will be crucial in resolving this matter. I kindly request the following actions : 1. Investigation and Verification : Please conduct a thorough investigation to verify the unauthorized credit card accounts linked to my profile. Any additional information you may require from my end will be promptly provided. 
2. Removal of Unauthorized Accounts : Given the circumstances surrounding these accounts, I request the removal of the unauthorized credit cards from my credit report at the earliest convenience. 
3. Communication and Documentation : Keep me informed throughout the process and provide documentation outlining the steps taken to address this issue. Transparency in this matter is crucial for my peace of mind and the restoration of my credit integrity. 
4. Police Report : I have filed and provided a Police report from XXXX. 
5. XXXX Claim : I have a filed and attached a claim with XXXX. 
6. XXXX XXXX XXXX information Impact have provided conformation my information was exposed as a direct result of the XXXX data breach. 
7. XXXX # XXXX I understand the challenges associated with data breaches and trust that XXXX, as a reputable credit reporting agency, will handle this matter with the urgency and professionalism it demands. 

Your cooperation and assistance in resolving this issue are highly appreciated. I look forward to your prompt response and the successful resolution of this matter. 

Thank you for your attention to this serious concern. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXXccount Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX SELF-REPORTED Account Number : XXXX XXXX XXXX Account Number : 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
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$8900.00} from XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely,
Product: Debt collection

To whom it may concern - I am being charged illegal and excessive late fees for payments made. 

I have a direct withdrawal arrangement for monthly tuition and expenses related to my children 's attendance at XXXX XXXX XXXX XXXX in XXXX Colorado with the Company XXXX ( XXXX XXXX XXXX ) XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NE XXXX. XXXX  has the ability to withdraw funds from my XXXX XXXX  account when due. This account has been fully funded since XX/XX/XXXX. XXXX  has continued to charge me late fees for the amount of {$120.00}, for amounts due on XX/XX/XXXX and XX/XX/XXXX for a total of {$170.00}. This makes no sense, because they have had access to funds and additionally, {$120.00} in late fees is excessive for a payment of {$170.00} in less than 30 days ...
Product: Money transfer, virtual currency, or money service

I was contacting by a gentlemen regarding purchasing a companion airline pass. I was told that if I utilize XXXX to make the payment and the services will be provided. Once I made the payment the person deleted and blocked me. 
I contacted my bank and they advised me that the disclaimer that XXXX has states that they are not responsible for refunding me back the money. I contacted XXXX and was advised that they will not as well. 

My bank is chase bank. 
I used XXXX pay to complete transaction. 
Person involved is XXXX XXXX ( fake name ) Amount of  transaction. XXXX Date of transaction XX/XX/2018
Product: Mortgage

I am writing to report an issue with Bank of America that remains unresolved. I have been a customer of Bank of America for decades. In XXXX of this year in checking my accounts online, which I do daily, a new set of accounts appeared in my online banking under the heading of XXXX XXXX. There were three loans, all with XXXX   balances, which now appeared under my account list. I spent hours on the telephone attempting to determine what these were, concerned that these were fraudulent loans, as yet unfunded perhaps but to absolutely no avail. For the record, I have never done any banking business, accounts or loans with XXXX XXXX. 
Since then, I have visited my local branch and they attempted to contact their own internal people to determine what these were, again without result. I went up the chain of command within the branch to the manager who attempted again to determine internally what these were, once again without definitive response. A service call was opened by the branch manager on XX/XX/XXXX which provided me with an email to follow up on the issue and I sent them an email indicating that if I had not received a definitive response as to what these loans were and provided any underlying documentation within thirty days that I would report the issue to the appropriate banking authorities. I attempted to open the service call email today, XXXX and found it had expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : US DEPARTMENT OF EDU State inquiry occurred on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that occurred on XX/XX/2022 and there is XXXX that occurred on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Product: Vehicle loan or lease

The vehicle was repoed and sold after about 3 months of missed payment. I tried to work out a payment plan but they wouldnt accept.
Product: Credit card

I have been on hold for hours with TD financial and can not get ahold of anyone. It's been hours since I called and I'm still on hold. I try to access my account online and am getting an error message that the site can not be reached. This has been the 2nd month I have had this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm just coming home from being XXXX  for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately.

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX 4 ) XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, Bank of america balance due is also different then credit report balance, shows XXXX but Bank Of America Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, bank of america is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I was granted rental asstice threw the State of Maryland threw harford coumminty action. My landlord did not take the rental asstince instead he evcaited me in court on XX/XX/2021 in XXXX XXXX MD. Now a year later a debt collater on his behalf is sueing me for the money he was offerd bye the state that he turned down.
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX XXXXand Markoff Law for issued citations to me that totaled {$3000.00}. Markoff Law LLC represented the XXXX XXXX XXXX for citations issued to me that the city did not ever have any proof or evidence. I was wrongfully cited and I contested all citations and requested a hearing in court. During this time, Markoff Law and the XXXX XXXX XXXX levied my entire bank account in the sum of {$14000.00} and sent a demand order to garnish my wages from my employer. Months went by requesting proof from the XXXX XXXX XXXX and Markoff law produce proof of the infraction or who the issuing officer or technician or as to how they could get a judgement against without any proof whatsoever. My visits to City Hall and the the Law Office produced no proof. Not only did they have any proof I was not properly served so I brought them back to court to request they file a nonsuit order to dismiss the prior order to collect the {$3000.00}. The pain and suffering I endured since the occurrence is indescribable.

This was the only bank account I had. It took a month to get them back to court and months to get them to release my bank account and the order to wage from my job. I had no access to my financial savings. This bank account and my paychecks were detrimental to my daily living and expenses. Since I had no access to ANY income, I could not pay any of my bills. I struggled for months to stave off creditors and tried to avoid damaging my credit report with late payments. I accrued numerous bounced checks, returned payments and numerous late fees because I had no access to my account and wages. It is one thing to seize the cited {$3000.00}, it is unjustifiable and inhumane to levy a persons entire financial account and and also go after his future wages. Not only did I incur financial losses, suffer a drop in credit score, I took PTO from work to appear at these hearings. PTO that I now can not use for vacation with my family or for emergencies or my doctors visits.

Instead paying a clerk a couple of bucks to make sure I get proper notification XXXX XXXX of Markoff proceeded to show their incompetence and abuse of power in the legal system and send my life into a tailspin. XXXX irresponsible people like this should not have this kind of power over the hard working people of XXXX.

This is an abuse of power. What happened to me is inexcusable. Markoff Law and the XXXX XXXX XXXX should have to pay twice fold what they levied from my bank as restitution.
Product: Consumer Loan

I 'm a single father and had need some emergency funds. I had reluctantly entered into a title loan agreement last year for {$2000.00}. 
On XX/XX/XXXX I called my lender to find out when my payments would be complete. My " original '' end date was supposed to be XX/XX/XXXX and I had come to find out that the contract had been pushed back to XX/XX/XXXX!! How can any company be allowed to extort another {$3000.00} when all my payments had been made? I had been unemployed earlier in the year so there are some payments that have been late - but ALL payments had been made or caught up. No one ever notified me of this contract extension obviously setup to exploit extending this loan or take my vehicle.
Product: Debt collection

Online Information Services reported debt for utility company XXXX XXXXXXXX XXXX XXXX to credit bureaus. Although I do not claim the debt, I attempted to pay the debt in full with the collection agency in order to have it removed from my credit report. The collection agency refused payment. I contacted the original creditor, XXXX XXXX XXXX, to clarify the debt. They agreed to accept the payment directly. The debt has been paid in full to the original creditor, although I do not claim responsibility for this debt.

The account has been disputed with the credit bureaus.