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

Currently, Iam a XXXX XXXX XXXX XXXX XXXX who filed for a XXXX loan to further my XXXX XXXX XXXX. Using Chase bank, I received my funds and were told that the funds were available for usage in the account, but when I went to the branch to use the money that is a loan, that I am paying interest on is not accessible. They said it was restricted saying I needed to call I have spent over 6 hours on the phone with Chase only to be hung up on all 3x. Now the money that I am approved for is in my account, but now the services and business items I needed for my work i am not able to use due to some mysterious restriction that they cant explain. I want my money that I have been approved for so I can handle XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the afternoon of XX/XX/19, I attempted to transfer {$300.00} through the Zelle Money Transfer service. The funds were to be sent were to be withdrawn from XXXX XXXX XXXX. When attempting to submit the transfer to a third party recipient, I received an error message from Zelle that transaction failed and that I could try again to submit the transaction. In the past, I had received this same error message and was able to complete the transfer. Due to my past experience with this type of failed transaction, I attempted 3 additional times within a span of 2 hours. 

I never received a notification from Zelle that any of the transaction ( s ) were successful. The next morning when I went into my online bank account application there were 4 transaction of {$300.00} each that had been deducted from my bank account. I then checked with the 3rd party intended recipient and they had not received any of the funds or had received a notification from Zelle that there was a pending deposit ready for them. 

I attempted to Contact Zelle on XX/XX/19 and was only given computer automated responses. However, after many attempts over several days I was informed that the Zelle company was only a transfer service and that the transaction is actually bank to bank transfers. On one of the calls to Zelle, XXXX verified that all 4 transactions failed. Zelle said that if money was not accepted it would be returned to the sending bank after 14 calendar days. 

During the same timeframe I had been attempting to contact Zelle, I was in contact with an associate, XXXX from XXXX XXXX XXXX XXXX Branch to see what could be done from their side. Assuming the worst and worrying that there was some sort of fraudulent activity being done through Zelle, the bank destroyed the debit card and provided me with a new debit card. I was instructed to fill out a formal dispute to determine the error and the disputed POS transactions. It was determined that there was no error on their part and since I admittedly authorized the transaction with Zelle. However, when authorizing the transactions with Zelle, I was under the assumption that no money was being removed from my account when the transactions had failed each time. 

It seems that neither party wants to assume any responsibility for this issue as they are both pointing fingers at each other. In the meantime I am wondering where this {$1200.00} is and why it has not been returned to me.
Product: Debt collection

Midland collections is collecting a debt of mine from XXXX XXXX. The date of activity is long after I stopped using this account. I may be the victim of identity theft for a portion of this balance. I asked Midland to provide a list of charges on the account. The individual replied : " We do n't have to do that. We only have to give you the application which I will request. '' The Fair Credit Reporting Act provides that a consumer may request a detail of charges on an account that may be a result of identity theft. And that the creditor MUST provide that detail in no more than 30 days.
Product: Credit reporting or other personal consumer reports

Ive done everything I can on my end to address the inaccurate accounts on my credit report that are currently in litigation, but Im getting nowhere. Ive called, written, and followed up, yet the issue remains unresolved. Its unacceptable that Im stuck dealing with the fallout from something that isnt even finalized.
Product: Money transfer, virtual currency, or money service

I can not connect my PNC checking account to services like XXXX, XXXX, XXXX XXXX, XXXX, or any service alike. I contacted the companies, and they said it was on PNC 's side, which isn't surprising. The only service I can connect to is XXXX, but I should be able to have the freedom to use MY money how I want to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 A mobile account opened at XXXX XXXX on XX/XX/XXXX Account number XXXX an Auto loan account opened at at XXXX XXXX  on XX/XX/XXXX Account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I, the consumer and natural person, was denied credit by Bank of America when I applied for a auto loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Bank of America due to the response I received. Bank of America is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Bank of America.
Product: Credit reporting or other personal consumer reports

Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

Failure to Comply or delete these items below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, Equifax violated my federal and state protected rights by improperly using my credit report and stealing my identity as evidenced by the hard inquiry on my credit report by " Equifax Mortgages Services LLC. '' I did not authorize, apply or otherwise consent to my credit file or consumer report to be accessed for mortgage services from any company and definitely NOT Equifax. My consumer reports with all credit reporting agencies have been and are " frozen '' as well as include identity theft alerts. I was a victim of Equifax 's XXXX XXXX in XXXX and have filed a claim in connection with the settlement. Equifax, via its settlement administrator, XXXX, has YET to pay my claim even though I submitted the claim and over 500 pages of supporting documentation. Due to the known theft of my personal information, the credit report identity theft freezes, and the lack of my EXPRESSED WRITTEN PERMISSION to access my consumer report, Equifax has used my credit report improperly, stolen my identity, not taken proper care or responsibility with the use and custodianship of my consumer report and credit file. As this is not Equifax 's first time violating federal and state laws, Equifax has been reckless, willfully negligent, and acted with impunity with my consumer report and credit file. Equifax has willfully violated and is in violation of : 1- 15 USC 1681b- permissible purpose ; 2- 15 USC 1681c- Requirements related to information contained in consumer reports ; 3- 15 USC 1681c-1 -- Identity theft prevention fraud alerts ; 4- 15 USC 1681e- Compliance procedures ; 5- 15 USC 1681m- Requirements on Users of consumer reports ; 6- 15 USC 1681n- Civil liability for willful non-compliance ; 7- 15 USC 1681o- Civil liability for negligent non-compliance ; 8- 15 USC 1681q- Obtaining information under false pretenses ; 9- FCRA ; 10- FDCPA ; 11- CA Consumer Credit Protection Laws ; 12- UDAAP ; 13- federal Privacy Act ; and, 14- Agreements made by Equifax under their settlement agreement filed on XX/XX/XXXX in the United States District Court, Northern District of Georgia Atlanta Division ; just to list a few of the federal and state laws that Equifax has willfully and negligently violated . 
Equifax has caused FURTHER injury, harm and damage to me by their actions because this has caused my FICO credit score to drop FURTHER negating my ability to be financially able to obtain future credit. I have and continue to receive communications from other credit reporting agencies that this action by Equifax has negatively affected my ability to obtain future credit. Equifax is a REPEAT OFFENDER and REPEAT VIOLATOR of my federally and state protected rights.
Product: Credit reporting or other personal consumer reports

A dispute letter was sent to XXXX regarding the accounts with XXXX XXXX. XXXX is reporting inaccurate and misleading information on my credit file. The accounts with XXXX XXXX are in collection, yet the accounts are reporting as open on my consumer report. There were collection offers sent regarding both accounts. I sent a dispute letter to XXXX and I also provided copies of the offers from XXXX XXXX XXXX. XXXX responded by stating that they will not take any action on my alleged request because it does not appear to have been sent directly by me or to be authorized by me. Transunion is also reporting inaccurate information regarding the accounts with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, An account that did not belong to me was sent to collections, I paid the collections agency so that it would not hinder my credit. However, the collections agency reported it to the XXXX credit monitoring agencies. 

I have a letter from the collections agency stating that since it was paid the account will not be reported. Using this info I disputed all three credit monitoring agencies. 

XXXX and XXXX conducted an inquiry and promptly removed it from my credit report. 

Transunion however will not do anything about it and no matter how many times I dispute it, I don't receive any communication back from Transunion. Transunion 's website is not user-friendly enough to an extent that it discourages people from disputing an error om the report. I don't believe Transunion conducted any kind of inquiry and instead only interested in selling tools to improve credit. 

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

I was sent an alert from vance & Huffman flagged my account due to XXXX XXXX XXXX cashing a check in 2017 that bounced. The check was a settlement check and I dont deem I am responsible. I have been at the same address since cashing the check but was nevertheless notified of this issue. The amount is {$84.00}. I think this should be a issue with the company or I shouldve been notified in writing before this being flagged on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following addresses:XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate an account on my credit profile for XXXX   XXXX this is not my account and I have never had an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Identity theft paperwork to remove accounts resulting in identity theft. 
The accounts remain on my report and pursuant to 15 usc 1681 c-2 the accounts were suppose to be blocked from my credit report. As a consumer I feel defeated and taking advantage of. Please assist with removing these accounts asap. 

CALIFORNIA AUTO FINANCE XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a matter of significant concern regarding unauthorized credit inquiries and an unauthorized credit account on my credit report. I kindly request your assistance in addressing this issue, as my efforts to resolve it with Equifax have thus far been unsuccessful. 

On my credit report, I have identified two separate unauthorized credit inquiries that I did not authorize. Furthermore, there is a XXXX XXXX XXXX XXXX  account that has been listed for the past eight months. I wish to clarify that I did not initiate or authorize this account. 

I strongly suspect that my identity may have been compromised, as I have no affiliation with these inquiries or the XXXX XXXX  credit card account. The presence of these items on my credit report poses a significant risk to my financial stability and creditworthiness. 

I have made multiple attempts to have the XXXX XXXX account removed from my Equifax credit report, but my efforts have yielded no success. This has prompted me to escalate the matter to your agency in the hope of receiving appropriate guidance and resolution. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter to safeguard my personal and financial information. I have taken immediate steps to protect my identity, such as notifying my financial institutions and closely monitoring my credit report. However, I believe that your intervention is essential to address this situation promptly and effectively. 

I would greatly appreciate your assistance in resolving this matter as soon as possible and ensuring that my credit report accurately reflects my financial history and identity. Your support in this regard would provide me with much-needed peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion state the my XXXX XXXXXXXX XXXX is not 100 % accurate when clearly you can see the inaccurate information place on my credit report, I try disputing multiple times for inaccurate information such as ( name ), my name is not XXXX XXXX, my name is ( XXXX XXXX XXXX ), ( date opened ) incorrect, ( balance ) incorrect because a charge off should be XXXX, ( payment received ) incorrect amount, ( last payment made ) incorrect as per my bank statement, ( payment history ) because the last payment made and the payment history doesnt match. But TransUnion stated that is verified so i ask them for method of verification and they refuse to send me the method of verification they are violating my rights ( FCRA )
Product: Credit reporting or other personal consumer reports

I sent your company a letter disputing account number XXXX & XXXX withXXXX XXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year> where you stated that the items had been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX  I purchased ticket for XXXX Concert using Zelle for {$150.00}. 
The ticket was was supposed to be transferred to my XXXX  account. It was never done. The $ was transferred out of my XXXX XXXX XXXX  Account. 

The money was transferred to Zelle account XXXX under the name of XXXX XXXX. 

This is a fraudulent transaction ... future attempts to contact XXXX XXXX were never returned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

15 USC 1681. My information was exposed due to the recent hacks. Please removed all negative accounts together with all delinquent accounts.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report XXXX XXXXXXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : 1. The following account is NOT MINE : XXXX Date opened : XX/XX/XXXX, account number XXXX 2. The following account is NOT MINE : XXXX Account number XXXX Date opened : XX/XX/XXXX. Please remove it from my credit report. 3. The following account is NOT MINE : XXXXXXXX XXXX Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. 4. The following account is NOT MINE : XXXXXXXX XXXX. Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. 5.The following account is NOT MINE : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number : XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX