23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

The scammer met me on Social media and talked with as friend for a while. He talked about his recent investment in btc and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a cionbase account. I had never contacted Coinbase before, so he has my phone number and Email information, I assume he can guess my password or hack into my email cuz I setup easier .Then he ask me to download another fake platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group after the scammer ) in order to steal the victims personal information from cionbase Money or currency transfer. And I have couple transactions cost {$33000.00} been sent to a digital wallet chain address with out my personal permission. I try to file a claim from chase bank and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very depressed and helpless. I believe that the big platform cionbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank chase XXXX trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBIXXXX XXXX XXXX XXXX enforcement when I realized everything was scam!
Product: Debt collection

I provided them my personal email on XX/XX/30 then on XXXX they contacted me again and verified my PERSONAL email again as they had it incorrect. I had also been in contact with them by phone as well. Then on XXXX at XXXX they emailed my job. I have NEVER given them my work email nor authorized them to use any other email but my personal for correspondence. According to the info below this is illegal and a PRIME EXAMPLE OF UNFAIR PRACTICES see below Examples of unfair practices Here are a few examples of what the FDCPA would consider a prohibited practice used to collect on a debt. Debt collectors are not allowed to : Communicate with you by sending an email that the debt collector knows is provided to you by your employer The email address they sent it to was XXXX Now you can not tell me you did not know that was my work email address when they have my personal email as XXXX please help me with this misconduct. Thank you for your time. XXXX XXXX
Product: Mortgage

Unable to make payment on Wells Fargos website. Validation error when trying to select an account to pay from. 

It almost seems like theyre now saying I must have a WF bank account to make payments. Thats never been a requirement in the past so I dont understand why it would be now.
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. I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 reporting or other personal consumer reports

TO WHOM IT MAY CONCERNED WHILE STATIONED ABROAD ON SERVICE DUTY OIT SEEMS MY INFORMATION WAS BREACHED USING MY OLD ADDRESS MY CURRENT ADDRES FOR PAST 10 YEARS HAS BEEN XXXX XXXX XXXX XXXX XXXX XXXX  INWHICH I PROVIDED ALL PARTIES OF THESE DETAILS THE FOLLOWIND ACCOUNTS WERE OPENDE IN MY NAME XXXX # XXXX XXXX # XXXX AND XXXX # XXXX
Product: Mortgage

In XXXX I received a letter from my county saying my tax was delinquent and that my home was going to be sold due to a tax lien ( See Attachment XXXX XXXX XXXX notice front ). 

On XX/XX/XXXX I called the county tax office to figure out what was going on. When I investigated with XXXX XXXX, they said the last payment they received was on XX/XX/XXXX, and that they never received the XX/XX/XXXX payment. This is corroborated by the information on their website for my property, which is Attachment XXXX XXXX county current tax bill. 

The county said to contact the bank since they never got it. 

My mortgage recently was transferred to another servicer. 

The first servicer was Plaza Home Mortgage XXXX. In their account, they show my escrow balance as XXXX. This makes sense as the mortgage was transferred at some point earlier this year. Bit they also show an ambiguous escrow payment `` County Tax '' on XX/XX/XXXX in Attachment XXXX, plaza payment. It's clear this money was debited from my escrow. 

The second servicer is XXXX XXXX, and when I checked their escrow, there is no way near enough money in escrow to have made that attempt and no record of them making a payment. ( Attachment XXXX, new loan escrow ) So based on these findings I contacted Plaza Home Mortgage for resolution also on XXXX XX/XX/XXXX, at their customer service number XXXX. I spoke with a lovely lady named XXXX. She directed me to send an email to XXXX with my loan number and the words " Attn : Tax Department '' in the subject line, and advised that someone would contact me about that in 24-48 hours. 

I did so immediately, detailing the case much as I have here with attachments. 

It has now been over 4 days since I contacted them in the manner in which I was instructed and have received zero acknowledgment. I am concerned for my home, so I have made this complaint.
Product: Checking or savings account

I had an account with Bank of America for three years now they were supposed to protect my money but yet let people charge things to my account and when I called the bank to tell them that was not my charge, they credit it to my account, but then they put it back on my account and said it was not eligible for a refund it is not my charge. I did not order anything so they should not put it on my account and give me back my money.
Product: Debt collection

I called XXXX and XXXX to get a balance letter emailed to me and they said it they could not at the time but yet my balance is at {$0.00}. They stated I have to wait for it. Its been over a week and have not received. I need these off my report. The balance is at XXXX on both accounts. They are not willing. XXXX was for XXXX XXXX  XXXX was for synchrony bank XXXX acct
Product: Mortgage

I, XXXX XXXX, became a victim of mortgage fraud therefore I submit this complaint against Nationstar Mortgage LLC d/b/a Mr. Cooper for initiating a new mortgage contract without my authorization, on or around XX/XX/XXXX. An alleged new no-cashout loan was posted to my account. To my knowledge, I assumed that I was making payments on the loan I refinanced in XXXX. I was constantly receiving notices from the bank claiming I missed this payment or that payment unaware that I was making payment on a loan I never applied for. After contacting my housing counselor she requested a copy of my loan payment history. This is where the new loan was discovered. After she had done full research, she found that the new in amount of {$200000.00} according to the payment history was never documented with the Recorder of Deeds in XXXX XXXX Illinois. The only loan I knew of was recorded in XXXX. Up till now I assumed that I was making payments on the original refinance loan in XXXX. I believe because I am a XXXX citizen I became a victim of Identity theft.
Product: Credit reporting or other personal consumer reports

To whom it may concern, My rights as a federally protected consumer are being violated by Discover Bank, XXXX, XXXX and XXXX by reporting a balance {$6400.00} on my monthly consumer credit report. Discover Bank and the above consumer reporting agencies did not disclose information how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any account balance information.

Please remove the reporting of my account balance information. It is personally identifiable financial information.

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Re : Pre-Arbitration Dispute Resolution Request I am writing to formally initiate the pre-arbitration dispute resolution process as outlined in the arbitration agreement between myself and Equifax. I have encountered unresolved issues with my credit report that I have attempted to address through the dispute process but have not received a satisfactory resolution. 

Despite submitting multiple disputes and providing the necessary documentation to correct inaccuracies on my credit file, I have yet to see any meaningful progress in resolving these matters. Specifically, I am dissatisfied with the ongoing failure to address the discrepancies and the repeated letters stating that my credit profile can not be located, which I believe is unacceptable and does not comply with applicable laws. 

Given that these issues have remained unresolved and in accordance with the arbitration agreement, I am now taking the necessary steps to attempt an amicable resolution before proceeding with arbitration. This letter serves as my formal request to initiate the pre-arbitration process in good faith, and I seek to resolve this matter promptly. 

Please confirm receipt of this letter and provide further instructions on the next steps in this pre-arbitration process. If additional documentation or information is needed to proceed, I am happy to provide it. 

I look forward to your prompt response and resolution of these issues. 

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

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX  under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ) and XXXX under the account number ( XXXX ) and XXXX XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer XXXX credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.
Product: Credit reporting or other personal consumer reports

I asked for verification and they did send a print out of the account but the dates reported on my credit report and on the account review were inaccurate. I have disputed this account numerous times for inaccuracies. The FCRA states that the credit reporting agency and the creditor has the burden of proof ; and that by law they must report accurately. I have given both the creditor and reporting agencies ample time to fix the inaccuracies and have been given the run around and ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Product: Mortgage

We have had a HELOC on our home for the past several years. It has largely gone unused. There is a XXXX balance on it. 

A couple of months ago, Specialized Loan Services, the company who had bought our loan from XXXXXXXX XXXX, began sending notices that they suddenly required flood insurance on this XXXX balance loan. ( Which hadn't been required for several years of this loan. ) Several attempts were made to contact the number regarding the insurance issue on the notice. Also note that in no place was the general customer service number for the company provided. Most of those attempts at contacting their insurance division led to a voicemail system that failed after the information was put in. Honestly, they very well looked like they might be scammers. 

Finally, after another notice, I was able to get through to that insurance verification department and get the general customer service number to cancel this loan, with a zero balance on it. I called this department on XX/XX/XXXX and informed them of the intention to cancel. They advised that a payoff statement would arrive in 5-7 days ( for a XXXX balance loan ). It didn't. I called back on XX/XX/XXXX and learned that they had charged the insurance to my loan for the amount of XXXX. They informed me that it was bought on XX/XX/XXXX, the FIRST day I called, and it says issued on XX/XX/XXXX, the SECOND time I called. 

They took these actions without my consent or authorization and did so coincidentally on the days of both phone calls to cancel. Again, this was a XXXX balance loan and they had every right to cancel it if something didn't meet some new, criteria. This is the height of unethical behavior to apparently farm money from a loan not being used. 

Coincidentally, our house was never even noted as being in a flood plain.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to 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 the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have been trying to establish credit and keep getting denied. I finally created an account on XXXX XXXX and discovered a debt of {$410.00} being collected by Account Resolution Corp on behalf of XXXX. I called the company because I was confused. I spoke with a lady who told me I visited a XXXX doctor in XXXX of XXXX. I did not visit a XXXX  doctor in XXXX because I live in Texas and in XX/XX/XXXX I was still a minor. This is not my debt. When I called the company she even said my mother 's name was tied to the debt and asked for my mother 's information which my mother refused to give. We have lived in Texas since XXXX. I did not and have never visited XXXX. When I did reside in XXXX XXXX, my doctor was XXXX XXXX of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have a-lot of knowledge when it comes to the fcra and i know that no consent is identity theft so since i did not give my consent to these creditors listed on this identity theft report to send Equifax nor XXXX any information about transactions or to report any information or data on my consumer report this means these fraudulent credit cards and loan must be deleted permanently from my credit report in the next XXXX business days meaning by XX/XX/year> all of these accounts should no longer be reporting on my credit since the law says thats the amount of time yall have to make this right! my credit reports contains some credit card accounts and a loan that is not verified and information that is not 100 % accurate these credit cards and the loan are not being reported correct at all! This is against the laws that protect me as a consumer The fair credit reporting act states that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) If not deleted I plan to sue XXXX for {$7000.00} in federal court and I can sue Equifax for {$7000.00} in federal court which is {$1000.00} per violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit cards has not been updated and inquiries are past the 7 year mark. They have been update with every other bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I spoke with a representative at Transunion, XXXX, and XXXX about inaccurate information as well as some inquires that I did not authorize on my credit report. I was told to dispute by mail which is what I did. On XX/XX/XXXX I mailed off dispute letters to Transunion, XXXX, as well as XXXX ; which all included the most up to date drivers license in my possession as well as a copy of my social security card. All were sent certified. I received a response by mail on XXXX XXXX from XXXX which stated they needed items already provided in the first letter which asked to delete if they couldn't verify the accounts or inquires. On XXXX XXXX I saw that XXXX did reinvestigate online but did not verify the account accurately and continued to report inaccurate information which is an FCRA violation. I have yet to receive a response by mail from XXXX which is also asked in all disputes. I received a response on XXXX XXXX from Transunion in reference to a explanation of my inquires which is not what I asked for in that dispute. I did not authorize the inquires disputed and I feel my consumer rights have been violated by all three companies.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX 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
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 discrepencies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that racking these transactions was unfeasible. The CFPBs 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.