23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against US Bank concerning their handling of a fraud case involving my debit card. 

I traveled outside the XXXX from XX/XX/XXXX to XX/XX/year>, and had my US Bank debit card with me at all times. On XX/XX/year>, I received notifications via phone message and email from US Bank indicating that my card 's PIN had been changed. I did not make this change. Subsequently, XXXX unauthorized transactions totaling {$760.00} were made on my account. These transactions were not conducted by me, as I was in XXXX, XXXX XXXX, XXXX at the time. I can provide proof of my train tickets, flight tickets, hotel bookings, and other relevant documentation to verify my location. 

Upon discovering the fraudulent activity, I immediately contacted the US Bank XXXX Department. Despite being abroad, I was instructed to visit a branch to file a fraud claim upon my return to the XXXX. I complied and filed the claim on the morning of XX/XX/year>. Additionally, I reported the incident to the XXXX Police Department and froze my credit reports with the XXXX major credit bureaus. US Bank issued a temporary credit of {$760.00} to my account while the investigation was conducted. 

On XX/XX/year>, I received a letter from US Bank denying my claim and informing me that the {$760.00} credit ( excluding a {$1.00} transaction ) will be reversed by XX/XX/year>. The letter stated that after a careful review, it was determined that the transactions were authorized, based on the information I provided, as well as my transaction and account history, location, and pattern of use. 

I find this decision perplexing and unacceptable, given that I was not in the XXXX at the time the fraudulent transactions occurred. It is unreasonable to conclude that the transactions were authorized solely based on my account history and location pattern, especially when I have verifiable evidence of my presence in XXXX. 

I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring a thorough re-investigation of this matter. The initial investigation by US Bank was inadequate, and I seek to have my money returned. Should US Bank continue to deny my claim, I am prepared to pursue legal action in small claims court.
Product: Credit reporting or other personal consumer reports

Under my rights as a federally protected consumer under 15 U.S.C. Chapter 41, I formally request the immediate removal of the following accounts from my credit report, and that they no longer be reported : XXXXXXXX XXXXk XXXX Account # XXXX, Opened : XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX, Opened : XX/XX/XXXX. These entities, in violation of 15 U.S.C. 1681b ( c ), have continued to share my personal information without my explicit consent, infringing upon multiple federal and state laws, including : Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 ( b ) & ( e ) : for unlawfully sharing my financial information with third parties without my permission. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : for failing to ensure the accuracy of information on my consumer report and not removing the disputed unauthorized accounts. New Jersey Consumer Fraud Act ( NJCFA ), N.J.S.A. 56:8-1 et seq. : for deceptive practices in reporting inaccurate information and sharing my financial data unlawfully. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : for engaging in unfair and abusive practices by maintaining these unauthorized accounts on my report. I hereby opt out of the reporting of these accounts. Pursuant to 15 U.S.C. 1681i ( a ), you are required to remove any inaccurate or unverifiable information from my file. Please provide written confirmation of this removal. Failure to comply may result in legal action under 15 U.S.C. 1681n and 1681o.
Product: Debt collection

on XX/XX/2019 I received an email from XXXX XXXX a representative of national commercial services. The email stated that I needed to contact them within 10 days regarding an old debt. that if I did not contact them to make the payment arrangments, they would pursue legal action against me and obtain a judgment including going after my personal assets. This is a time-barred debt, past the statute of limitations for any legal action.
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. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights 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 my home in 2022. The mortgage was sold to Homepoint Financial after 1 or 2 months. I have repeatedly called them and emailed them information about the three types of insurance on my property : XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, SC XXXX Flood- with XXXX XXXX XXXX ( XXXX ) XXXX XXXX Wind and Hail - with XXXX XXXX ( XXXX ) XXXX XXXX Homeowners - also with XXXX XXXX In late XXXX a long phone call with Homepoint included phone calls to these two insurance agencies, and I believed that all was resolved. This morning ( XX/XX/XXXX ) I received a " final notice '' from Homepoint for not having insurance... 

Homepoint paid the flood insurance ( late ) on XX/XX/XXXX Homepoint has sent a check for wind and hail to XXXX, but still not paid the Homeowners Policy : The Wind and Hail can not be ordered by XXXX as Homeowners must be in place. 

I tried calling Homepoint this morning. they repeatedly disconnected Hoempoint is both incompetent - putting my property at risk, and unpleasant
Product: Money transfer, virtual currency, or money service

someone unknown filed an illegal garnishment through social services. I am Mr. XXXX XXXX XXXX and the person or persons filed a illegal document that garnished my settlements from Wells Fargo bank XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX there is no power of attorney over me I suppose to receive 100 % of all income settlements inheritance and and all the money under my social security number they are forwarding my mail unauthorized and have no legal rights to my income or any financial money under my name they are breaking the law i havent received any in the last 5 years and further back Wells Fargo has the evidence I am trying to gain my financial independence I am single my only child is an adult these people are fileing faulse positions and telling lies Im trying to get them arrested and get a retrieval of all my income dating back at least 7 years I havent received any not even a tax return
Product: Debt collection

XXXX said that they had information on me I also with through the XXXX was well with a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this account : XXXX XXXX XXXX {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.
Product: Debt collection

The supposed collection agency, Dynamic Recovery Solutions, started calling me around this summer and their calls have gotten increasing in number in the last few weeks. I have a very common phone number that is often misdialed, and I know I do not have any outstanding debts. They also call me from a lot of different numbers with my same area code, but verball leave a different number for me call back in their voicemails. I also do not live where the area code my phone number is from, which leads me to believe they do n't actually know my current address. I have only had one credit card in my life, my only medical experiences were while I was under my parents ' insurance, and I have never missed a student loan payment ( my only debt ). This company has a large number of complaints online from both consumers and creditors for their shady and often threatening practices, including not paying creditors and harassing consumers about false debts.
Product: Credit reporting or other personal consumer reports

The request for this account was not responding for XXXX, i make a request to them about this account few months ago, and they couldnt validate this debt,,,,, please make sure XXXX sent everything about this account as FCRA says ... .. Law
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, M XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Balance : Balance : {$0.00} XXXX  XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Requested refund on my payments, was told 4-6 weeks I would have my payments refunded to me but nothing. I called customer service multiple times but I would get different information each time.
Product: Credit card or prepaid card

I applied for the AMEX EveryDay Credit Card on XX/XX/2018 via the AMEX website. AMEX approved my application instantly ( within seconds/minutes ). AMEX granted a credit limit of approximately {$24000.00}, with a balance transfer limit of {$5000.00}. My complaint pertains to the {$5000.00} balance transfer limit. The card offer terms did not clearly disclose or list any specific limitations on the balance transfer limit. I applied for this card to take advantage of the 0 percent APR on balance transfers and {$0.00} balance transfer fee. I would not have applied for the AMEX card had I know about the 20 percent balance transfer limit. However, AMEX disclosed the eligible balance transfer amount after I submitted my application. 

The offer disclosure makes reference to " eligible balance transfer amount '' and explains that this amount will be based on your credit worthiness and other factors including your history with AMEX. However, the disclosure also says, " .... you may not request a balance transfer amount less than {$100.00} .... and the total balance transfer request must not exceed your credit limit. '' A reasonable person would not interpret that to mean your eligible balance transfer amount may be as low as 20 percent of your credit limit. 

I believe this omission satisfies the three UDAAP prongs : ( 1 ) The act or practice misleads or is likely to mislead the consumer ; ( 2 ) The consumers interpretation is reasonable under the circumstances ; ( 3 ) The misleading act or practice is material.
Product: Credit reporting or other personal consumer reports

Hello I recently have been trying to dispute information on my credit that is incorrect or that I do not recognize. I also have notice many attempts that were made on my credit to view my credit information and get credit cards. I have made attempts to try to get the incorrect and fraudulent information off of my credit by writing the companies that are reporting the information to the credit bureaus. While I understand it takes sometime for this to occur, I was just given information that my social security number, email, name and address was all leaked during security breaches. This happened not once, not twice, but XXXX times since 2023. I am furious because not long may this be the reasons for the fraudulent reports and incorrect information but what other negative impacts is this going make over my financial future in my quest to better my credit. My privacy has been violated. Under 15 USC 1681, my private information is supposed to be protected. That did not happen during this breach. Millions of us will end up with issued in the near future because someone has our social security number and other private information. How are we to trust anyone with this information because our government agencies that are supposed to protect us against this kind of information breach, can't even protect us.
Product: Credit reporting or other personal consumer reports

After discovering more fraudulent accounts on my credit report, I contacted the companies involved, and they have confirmed these accounts as fraudulent and closed them out. Despite this, these fraudulent items are still appearing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled a dispute earlier this year about an old account that was due to fall off my report, it wasnt removed, the account was closed in XXXX of XXXX, its now XXXX of XXXX the 7 year mark has passed, filled the dispute with Experian again and was not removed instead say on record till XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a request for XXXX XXXX suppression under Section 605C Trafficking Block Request. I need to move immediately and they are not helping me because they say I have to submit online. When I try, their site won't allow me to do the submission.
Product: Credit card or prepaid card

received this letter NFCU will not allow me to dispute charges with XXXX and XXXX for opened and fraud product XXXX : Debit Card No. XXXX XXXX XXXX Dear Member : This letter is to inform you that we have made a final determination regarding your Navy Federal Debt Card fraud claim in the amount of . 
Based on the facts of our investigation, your claim is found to be valid. The provisional credit of $ issued to your account is is now permanent and will not be reversed. 
If you have any questions regarding this matter, please call us toll-free at XXXX. If you prefer, you may send us a secure message via Navy Federal Online Account Access, or you may write to : Navy Federal Credit Union, Card Fraud Prevention Recovery, XXXX XXXX XXXX, XXXX, VA XXXX. 
Thank you for allowing us to serve you. 
Sincerely, Card Fraud Prevention Recovery Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My date of birth is XX/XX/1994, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec.

151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Money transfer, virtual currency, or money service

CFPB fined Sendwave for over charging customers transfers, over the last 4 years I have sent over XXXX through there company paying higher rates for sending money without receiving a refund fund for the amount I paid out..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to provide me with the documentation with the original signatures proving the accounts do in fact belong to me.
Product: Checking or savings account

Over a year ago I bought a vocal booth from a company in Nevada called " XXXX XXXX XXXX ''. They had a " special '' deal going on and I was looking to get one for when I move out into an apartment that can withstand the weight since they are over 1,000 lbs. I asked if they could hold onto it until I move in and they said yes. They said I can make two payments for the booth with my debit card. One payment of {$3000.00} was paid on XX/XX/XXXX. The second payment for {$3000.00} was paid on XX/XX/XXXX. 

I moved into my new place around 4 months ago and asked them to ship it. After 2 months of them saying they can't ship it due to " weather '' they finally said that they could ship it. I paid the " shipping '' and they " sent '' the booth. Nothing has been received. When I would ask for a tracking number, they would just say " it's on the way! '' The shipping was {$1300.00} and was paid with XXXX. I asked for a refund since nothing was received and they said " we do not offer refunds after 30 days. '' When I bought the booth the company had many good reviews and their website/social media seemed legit. Unfortunately, all of the good reviews are gone and now all XXXX reviews say that this company is a scam. I talked to someone who got scammed on XXXX and he managed to get his money back by setting up a fraud case with his bank. 

I contacted my bank ( 5/3 bank ) for a fraud case. The two payments made on the booth could not be investigated because 5/3 said it was out of their timeframe. The shipping payment is still being investigated by them. I am wondering if you can help me get my money back. I can provide all proof about this because all communication with this company was through email. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX. Please delete this account ASAP.
Product: Credit card or prepaid card

A fraudulent transaction was made on XX/XX/XXXX with a posting date of XX/XX/XXXX, XXXX to XXXX. I spoke with a rep with XXXX, a XXXX, he said order was shipped to a XXXX XXXX in XXXX, TX. This information was provided to bank rep whom took the fraud report, reported card as lost/stolen. This transaction is typical of fraud as item was shipped to different address than billing. I believe I have a new account number but have not received a new card as of yet, this happened previously, a new card was not sent out after reported lost. I had to make additional calls in before new card was sent out. The transaction needs to be disputed as well
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft PORTFOLIO Account Number : XXXX-XXXX**** This is not mine. 

19. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft Account Number : XXXX This is not mine. 

22. Identity Theft Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

25. Identity Theft XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Collections is not from original creditor I dont know Portfolio RC-XXXX yo owe them {$1200.00}. I never heard of them and I never had an contract with them.
Product: Credit reporting or other personal consumer reports

Dear XXXX Credit Bureau : I am writing for the third time to formally dispute these items on my credit report that appears to contain inaccurate information. The account in question is a charge-off XXXX XXXX XXXX XXXX XXXX XXXX : The discrepancies are related to the date of last activity reported by each credit bureau XXXX which are as follows : Experian : Removed XX/XX/year> XXXX : Removed XX/XX/year> Please follow the 15 US Code 1601 and 15 US Code 1692c.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been very much into my credit and making sure my score is good however when I checked my report I noticed a fraudulent account on my report which is XXXX XXXX XXXX in the amount of XXXX I have no knowledge of this company