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

Equifax was hacked and it appears that my data was stolen from their site. they said I could sign up for the TrustedID program I followed all the rules and signed up but after 2 weeks of trying to get into their web site I still have not been able to log in and see what if anything has happened with my data. I tried customer support but the wait times are way too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit inquiries through experian and XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A company by the name of XXXX charged my card {$96.00} on XX/XX/XXXX. I notified cashapp about the charge went back and forth for about a month. So.I changed cards, I notified them to let them know that I could see each where this company is still trying to take money from the new card. They told me don't worry. On XX/XX/XXXX the same company took {$65.00} off my card.Now, I don't normally keep money on this card, but somehow this company keeps trying my card. I tried to look the company up, and Ive gotten no information.
Product: Prepaid card

I became unemployed and filed for Unemployment Insurance with CA XXXX. A XXXX prepaid debit card was mailed out to me. However I never physically received it ( I did not have possession of the card at any point in time and therefore I never activated it with my credentials ). On XX/XX/XXXX, I logged into my online account with Bank of America and discovered that there were several charges/transactions ( in the amount of {$3500.00} ) that I did not make and/or authorize anyone on my behalf to make. Some of the charges were from out of state ( New York, which I have never even traveled to ) I immediately filed a claim on XX/XX/XXXX with Bank of America and disputed the charges. The claim was denied on XX/XX/XXXX. I appealed the claim on XX/XX/XXXX and reopened the claim with Bank of America for reconsideration. Once again, Bank of America denied the claim on XX/XX/XXXX. I proceeded to file a police report and faxed that report along with a copy of my drivers license directly to Bank of America on XX/XX/XXXX for further investigation. I have requested a copy of all supporting documents that they relied on to deny my claim a total of 3 times and have never received those documents. Please note that there are additional fraudulent transactions/charges made in the amount of {$63.00} on a separate claim that are also currently in the process of being disputed with Bank of America XXXX Thank you.
Product: Credit card or prepaid card

I keep call and email yall bank of America XXXX is playing with my money. Lieing in coming up with stuff so I want get my account and card. And its no way they can do that to my stuff. So yall need to talk to my company and see what they up to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in XXXX buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, XXXX, XXXX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. 

PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. 

XXXX XXXX Acct # XXXX Navy FCU Acct # XXXX NAVY FEDERAL CR UNION Acct # XXXX NAVY FCU Acct # XXXX XXXX XXXX XXXX Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 

15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than XXXX business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. 


I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE
Product: Debt collection

On XX/XX/XXXX, at approx. XXXX EST, I received a phone call from XXXX -- an employee of Paramount Recovery Services . The employee would not give her name. She stated I had a medical debt from XX/XX/XXXX and I needed to verify my personal information. I told her I was not comfortable giving her my personal information ; however, somehow she knew my personal information, including the last four digital of  my SSN. I immediately hung up the phone as I do not have an outstanding medical bill and my credit report does not reflect this six year debt they claim I have.
Product: Credit card or prepaid card

Item purchased on a credit was due for full payment in 18 months. However, the full purchase price was paid in six months. Best Buy Credit Cards claims that payment was made too soon in between due dates, therefore late fee is due. I do not believe I owe this company any late fees. They keep Harassing me for late fees. They need to be looked into.
Product: Bank account or service

I have been a victim of an atm scam and Santander bank will not provide me aresolution. I noticed XXXX separate cash atm withdrawls by viewing my online account at Santander on XXXX XXXX. The XXXX amounts were XXXX, and then XXXX additional charges for XXXX. Upon reviewing these I called the bank immediately to inquire ; as I knew I did not deduct these funds. They told me I would need to wait a few days as they were in pending status. Upon clearing, I followed up by filing a claim and gave the details. Atm cash withdrawals on my account that I did not make, however, I had my card in my possession. I waited the XXXX days for them to complete the investigation and the claim was denied with the reasoning that I had the card, there were no incorrect pin attempts and the transactions were done in the city I work. I told them this was not acceptable, wanted to see the tapes, and they had it done any adequate due diligence. At this point I call them every day to speak with someone to help and they just put me in a que and say someone with call me back - I have yet to hear from anyone. I started another investigation but due to the lack of due diligence I do n't foresee the outcome changing. This can not be okay - I have done some initial research and know that they are in violation of XXXX XXXX I am asking for your help and how I can get a proper resolution to these charges I did not make.
Product: Money transfer, virtual currency, or money service

Tuesday XX/XX/XXXX my direct deposit was sent to paypal and then they held it and then closed my account saying they won't return to unemployment but hold for 180 days
Product: Debt collection

LVNV Funding, LLC C/O Resurgent Capital Services Ref ID : XXXX Account # XXXX LVNV Funding, LLC C/O XXXX XXXX, XXXX Our account # XXXX Original account # XXXX I sent a dispute request to each of the 3 credit bureaus in XX/XX/2019 for validation of an account discovered on my credit reports, with LVNV Funding, LLC. After receiving a notification from the credit bureaus explaining that the account was validated, I contact the 3 bureaus to find out what evidence was used in the investigation and if I could obtain copies. Each of the bureaus explained that documented evidence was not provided and is not required for the bureau to obtain. I was then referred to the organization reporting the account to the bureaus. 
On XX/XX/2019, I mailed a letter to XXXX XXXX, XXXX requesting valid proof that I authorized and/or agreed to the terms and the initiation of this account. I also asked for all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected. This includes an agreement that bears signature of the alleged debtor where he promises to pay the original creditor. I also asked them to state whether or not they have this documentation to provide. ( Doc attached ). 
On XX/XX/2019, I received 3 letters from LVNV Funding, LLC. 2 letters came from LVNV Funding - C/O Resurgent Capital Services and the 3rd came from LVNV Funding - C/O XXXX XXXX, XXXX. The first letter from LVNV Funding - C/O Resurgent Capital Services, dated XX/XX/2019, stating they received my request and a review of the inquiry has been initiated ( Doc attached ). The second letter from LVNV Funding - C/O Resurgent Capital Services, also dated XX/XX/2019, stating that they verified the debt and included an account summary which didn't validate that this is my debt ( Doc attached ). The 3rd letter from LVNV Funding - C/O XXXX XXXX, dated XX/XX/2019, stating that the account has been placed with XXXX XXXX XXXX. it also included offers to settle the account.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Request for Investigation of Fraudulent Transactions Dear Cash App Support, I hope this letter finds you well. I am writing to express my deep concern regarding the lack of investigation into the disputed fraudulent transactions that occurred on my Cash App account. Despite providing you with a police report detailing the fraudulent activities, I have not received any response or updates on the matter. 

First and foremost, I would like to highlight the urgency and seriousness of this issue. Fraudulent transactions not only violate my trust in your platform but also constitute a criminal offense. As a victim of this fraud, I rely on your commitment to resolve such matters promptly and thoroughly. 

According to the Electronic Fund Transfer Act ( EFTA ), which is enforced by the Consumer Financial Protection Bureau ( CFPB ), financial institutions such as Cash App are required to investigate and resolve customer disputes within a reasonable time frame. Section XXXX005.11 of Regulation E specifically outlines the responsibilities of financial institutions in investigating alleged errors and unauthorized transactions. It states : " Within 10 business days after receiving a notice of error, the financial institution must investigate and determine whether an error occurred. '' Moreover, the Fair Credit Billing Act ( FCBA ) provides additional protections for consumers facing unauthorized charges. Under the FCBA, financial institutions must acknowledge receipt of a billing error notice within 30 days and resolve the dispute within two billing cycles, but not exceeding 90 days. Failure to comply with these regulations can result in penalties imposed by the CFPB. 

Given the aforementioned legal obligations, I kindly request that you initiate a thorough investigation into the fraudulent transactions on my Cash App account. The police report I submitted clearly demonstrates that a crime has been committed, and it is imperative that you take immediate action to rectify the situation. 

I understand that fraudulent transactions can be complex to investigate, but it is your responsibility as a financial institution to protect your customers and ensure the security of their funds. I urge you to prioritize this matter, provide regular updates on the progress of the investigation, and expedite the resolution process. 

If necessary, I am prepared to escalate this matter further by seeking assistance from regulatory authorities, such as the CFPB, to ensure that my rights as a consumer are upheld and that appropriate actions are taken to address the fraudulent activities. 

I look forward to your prompt attention to this matter. Please provide me with an update regarding the investigation within10 business days. I can be reached at the contact information provided above. 

Thank you for your immediate attention and cooperation. I trust that you will handle this matter in accordance with the relevant laws and regulations governing financial institutions.
Product: Credit reporting or other personal consumer reports

Experian violated the fair reporting act and consumer law I was recently notified that cfpb has filed a lawsuit against the company experian cfpb allegedly that the company accepted unreliable information and failed to notify consumer dispute results. This alligns well with my situation. 
Experian has not attempted to remove or correct information. I'M requesting that these derogatory marks removed as it is interfearing with me being able to get positive credit. 15. 

Thank you
Product: Money transfer, virtual currency, or money service

I initiated Venmo transfer of {$90.00} to my friend, XXXX XXXX on XX/XX/year>. 

I used Venmo for the first time on my new device and first transfer failed. After 5 minutes, transfer went through. 

I was using my XXXX XXXX XXXX XXXX XXXX to fund the transfer. 

On XX/XX/year> I saw that my checking account was debited twice for this transfer, {$90.00} each time. I chatted and called Venmo and was told that they did not double charge me. 

XXXX XXXX XXXX said that they can not help me and suggested I talk to Venmo. 
Venmo tells me to go figure it out with XXXX.
Product: Credit card

SENT SEVERAL BILL OF EXCHANGES AND 1099A COMPANY DID NOT SET OFF THE DEBT AND KEPT THE FINANCIAL INSTRUMENTS AND REPORTED ME TO THE CREDIT BUREAU 'S OF BEING LATE THE AMOUNT IS RAISING WITH FINANCE CHARGES AND LATE FEE 'S SENDING NUMURIOUS LETTERS REQUESTING PAYMENT AND THEY HAVE NUMURIOUS PAYMENTS BUT DID NOT APPLY TO THE ACCOUNT.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the non-compliance of XXXX, XXXX, and TransUnion with federal opt-out and privacy notice requirements under 12 CFR 1016 ( Regulation P ) and 15 U.S.C. 6802. These agencies have failed to provide me with the necessary privacy notices and reasonable opt-out methods, and as a result, my nonpublic personal information has been improperly shared with third parties without my consent. 

Specifically : -I did not receive clear, conspicuous privacy notices that outlined how my personal information would be shared with non-affiliated third parties. 
-No reasonable means to opt-out of such data sharing was provided, either through an online form, phone number, or any other method. 
-I discovered that my personal information was disclosed to third-party companies, as evidenced by unsolicited offers and inquiries on my credit report, without my explicit consent.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following fraudulent accounts, inquiries, and charges : Personal Credit Card Account : Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Auto Loan Account : Company or Organization : XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$39000.00} Other Identity Theft-Related Account : Company or Organization XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX In addition, I am disputing fraudulent hard inquiries listed on my credit report from the following entities : XXXXXXXX XXXX These fraudulent accounts, and hard inquiries have been reported on my consumer credit file maintained by Experian and are the result of identity theft. I do not recognize these accounts or inquiries as legitimate, and they were not initiated, opened, or authorized by me. 

I have attached a copy of the FTC Identity Theft Report, case number # XXXX, as evidence that my identity has been compromised and that all the aforementioned consumer credit items are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that Transunion only has 30 days to get back to me in regards to my complaints again them. It has been over 30 days and in my initial complaint ( CFPB Complaint # XXXX ) they have stated they are going to follow up with me in 60 days. That is against the law. I have consulted my now lawyer and given them all the written proof and their proof written statement that they will no honor their legal duty to remove these illegal items from my report within the 30 days they are legally allowed and their demand to follow up in 60 days which is out of their legal scope of timeframe Fortunately my case was accepted against TransUnion.
Product: Checking or savings account

I got scammed to give my zelle information to a person for XXXX and my bank can't dispute it. 

SCAMMERS INFO WHERE I SENT THE ZELLE XXXX XXXX XXXX PLEASE HELP ME GET MY COLLEGE  MONEY BACK!
Product: Credit reporting, credit repair services, or other personal consumer reports

School was closed and they failed to keep communication about loans and grants after I applied for school finances. I have applied for loan forgiveness a few times, along the applying the the programs through the COVID times. At the time of my attending they said they would being closing before my degree was finished for legal matters. What I need to do to resolve this cause it is still showing up on my credit reports and accounts when I try to enroll with other schools and they fail to communicate with me. 

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

In accordance with the fair credit Reporting 50 act, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked, my personal information is at risk
Product: Checking or savings account

Dear Sir, Someone has opened " On line Advantage Safe Balance Banking Account '' in Bank of America in USA using my personal details on XXXX. I never applied for this account. I do not recognize this account opening activity. 

I am an XXXX citizen and was living in USA from XXXX XXXX to XX/XX/XXXX for employment purpose. Since then I moved Out of USA and permanently living in XXXX. Therefore, I do not need to have any bank account in USA. 

I got to know about this fraud account opening activity when I received e-mail in my personal e-mail ID from Bank of America Official e-mail account XXXX ' on XXXX Since I am living in XXXX and not able to contact Bank of America over phone , I have sent multiple e-mails and reminder to Bank of America e-mails XXXX XXXX ; XXXX XXXX I have not received any response from Bank of America on my above complaint to close this fraud account closing. 

Please investigate this fraud and advise Bank Of America to close this fraud account immediately. I can provide any additional information that you need to act. 

Thank you in advance
Product: Mortgage

I have a FHA loan, Midfirst Bank is servicing the loan ... I asked for a downward modification because I lost some income, ( second job ) ..Midfirst Bank refused XXXX I made partial payments ... I explained to Midfirst Bank my payments needs adjusting according to my income. the next things I know was Midfirst Bank filed a foreclosure action against me. My mortgage agreement has FHA/ HUD guidelines pursuant to 12 USC subsection 1717f and 42 U.S.C 3535 ( d ) Title 24CFR Part 203 Subpart C- Servicing Responsibilities, including, but not limited to 203.500, 203.501, 203.600 203.604, 203.605 ( a ), 203.614 and 203.616 a ) Duty to mitigate. Before four full monthly installments due on the mortgage have become unpaid, the mortgagee shall evaluate on a monthly basis all of the loss mitigation techniques provided at 203.501 to determine which is appropriate. Midfirst Bank, never attempted to contact, XXXX XXXX to attempt to arrange a face-to-face meeting with her to discuss her options, and certainly not within 30 days prior to filing this foreclosure action, as required by HUD guidelines.
Product: Mortgage

There were 2 mortgages opened without my knowledge. This is clearly fraudulent. Listed below are the details of each mortgage. 
HOME POINT FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME POINT FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tried to dispute these accounts multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Product: Debt collection

I am being harassed & having my Credit destroyed by a Collection Company for an Automotive Insurance Bill I DO NOT OWE, allegedly from XXXX XXXX XXXX XXXX. 

Considering 1 ) I DO NOT OWN an Automobile in MY NAME for several years now, & 2 ) I live in a DIFFERENT STATE than the alleged Account, & 3 ) I have NEVER had an Account with XXXX XXXX XXXX for Auto Insurance personally in MY NAME since I DO NOT OWN AN AUTO IN MY NAME, this is clearly NOT my Account & I should NOT have it on my Credit Records.

I therefore pray to the CFPB for Resolution of this Matter, & all applicable Federal remedies/penalties against said Collection Company for continuing this FALSE reporting against me, despite several attempts on my part to resolve it which were ignored. 
I also reserve the Rights to Legal Action Against said Collection Company ( ie. lawsuits ) & State Attorney General Office Actions in my own State ( which is NOT the State in question ).

I also grant permission for the CFPB to publish & utilize my Information to protect others from the illegal actions of CCS Collection Services & possibly their Client acting upon known defective information.
Product: Debt collection

COLUMBIA DEBT RECOVERY Is saying that I owe {$1000.00}. Problem is they never contacted me and never verified if the debt was even mine, I would like this taken off my credit report ASAP. 

I have no idea what this is