23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of several fraudulent accounts that have appeared on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent items removed. 
The following accounts were opened without my authorization and are fraudulent : XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00}
Product: Checking or savings account

On XXXX, I opened a high interest savings account with XXXX XXXX with {$12000.00} put in. On XXXX, I received an email stating that my account was fully funded. I checked the account ( online only ) on XXXX and saw there was nothing in there. No funds, no pending transactions... nothing. So I made another transfer for the same amount ( {$12000.00} ). Still nothing pending. On XXXX, XXXX XXXX withdrew {$25000.00} from my checking account ( XXXX XXXX XXXX resulting in a {$2500.00} overdraft. On XXXX, {$12000.00} was returned to my checking account. On XXXX, when I could still access my account, I attempted to make another {$2500.00} transfer but was denied because my account had been frozen due to " fraud. '' I have made repeated calls to the only customer service line available, and have received no answers. All I have been told is that someone from fraud will be calling me or I can call a fraud department number. Unfortunately, every time I call it immediately goes to voicemail, and also says that the mailbox is full. It has been almost three weeks since my account was frozen and I have received no help, no updates, and no anything.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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: Credit card or prepaid card

I applied for a 0 % interest card with balance transfer offer with american express. I applied online and received immediate approval and the transfer offer. Once I transferred over 2000 dollars and went to make a payment I had interest charges. I called and they put in a dispute, the girl I talked to said I wouldn't be charged any interest while the matter was looked into. They decided since I already have one of their cards that I wasn't eligible and added all the finance charges back. Had I known this I would have borrowed the money and paid it off. I never would pay that amount in interest, I pay all my cards off every month. They only removed the highest interest charge but all the fees add up to almost 200.00.
Product: Credit card or prepaid card

I applied for a Quicksilver credit card on Capital One 's website on Friday, XX/XX/XXXX. 
Their website clearly states a promotional offer of a {$150.00} sign-up bonus for new card holders. 
After applying, Capital One ran a hard inquiry on my credit, and then offered me almost the exact same card, but without the {$150.00} sign-up bonus. The purchase rate and transfer info rates were slightly different as well. 
My credit score is excellent, and clearly they are generally fine with providing me the credit card given the " adjusted '' offer, so it is not an issue with my credit, but rather a decision to remove the sign-up bonus from the equation. 
I believe this is misleading to the consumer. I would never have applied for the card, if not for the promotional offer, which was then denied to me after hurting my credit score. 

Not only that, but I then tried to call the company, and their handling was abysmal. Their credit card department was not taking calls about new applications, so I spoke to the general customer service department. I was told that no one at the company could even answer my question about whether a hard inquiry was run and I had to check this for myself. Since the credit card department was not taking calls, I was told I could not get any other answers about their credit card products/services on the phone either. 
Finally, I asked to speak to a manager as I wanted to escalate the issue. I assumed there must be someone at the company I could speak to on the phone who would be able to answer my questions. Instead, I was hung up on. 

Their approach is directly against any fair consumer laws. 
They have misleading advertising. 
Their hard inquiries following the misleading advertising hurts consumers ' credit scores, while not providing what was advertised. 
And their customer service policies seem to deliberately avoid answering consumer questions and providing an adequate solution to the above. 
I hope this complaint helps other potential consumers of Capital One 's products and services in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked Factual Data and XXXX  to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

FACTUAL DATA XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Checking or savings account

Hi, Im having a problem with Chase Bank, I deposited 4 checks in my account on XX/XX/2022, totaling almost XXXX XXXX dollars, those 4 checks got flagged by chase as potential fraud, and in order to release those checks to me, they wanted to verify the maker of the check, but since they couldnt find a registered phone number to that company, after 10 days they closed my account, and they are holding the funds ( chase ), but the funds went out of the makers account, so I reached out to chase and asked them to either release the checks to me, or to return the checks to the maker if they think it was fraud, I dont think its fair for chase to hold the checks with them, now the maker doesnt have the money because chase took the money out of their account, and I dont have it either because chase is holding the funds in suspense, which is not fair, im a chase costumer for a long time already, I tried calling dozens of times and I went in to dozens of chase branches and nobody can help me, the only option they gave me, is for the owner of the company that made the checks to go In to a chase branch and to verify the checks himself, but thats not a option, I cant force the owner to go down to a branch, Im in touch with his office but theres nothing the can do. 
and now Im stuck and Im missing almost XXXX XXXX dollar. 
I dont think its fair or legal that chase is just holding the money with them. If they think its fraud they should return the checks to sender, and at this point its been a few month, and I dont know what else to do
Product: Debt collection

I received 12 calls, all times of the day and night, over a period of 3 days from Sequium Asset Solutions ( XXXX ) XXXX. The agent indicated she was a legal firm collecting a debt in the amount of {$340.00}. She requested my credit card number and said that if I did not provide it I could be arrested. When I asked what company was owed the {$340.00} debt the agent indicated it was 'confidential '. I responded that I did not have any debt and unless she could provide proof of to please stop calling me. The agent became aggressive and said that I could go to jail TODAY if I did not pay. I specifically asked if this was a SPAM call and if so to remove me from the call list. The agent responded that the call was not SPAM and that she was calling from a legal firm and repeated that if I did not provide my credit card I could be arrested. I said I felt I was being harassed and asked that she not call me again. After, I received 3 more calls. I have since blocked the number. The calls were very threatening and disturbing.
Product: Mortgage

My loan was transferred from XXXX XXXX to NewRez LLC d/b/a Shellpoint Mortgage Servicing approximately a year ago. An assignment from XXXX XXXX to NewRez still has not been recorded ( I called XXXX XXXX and they said NewRez has to provide the assignment ). I have reached out to NewRez several times and have repeatedly been told they are unable to help me. This is affecting the title to my property and I don't know how to get it resolved. I am unable to payoff my mortgage or sell my home until the assignment is recorded. Any assistance would be greatly appreciated. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to truly dispute any credit report inaccuracies for me. I paid a bill on XX/XX/21 and disputed the information with all 3 bureaus. XXXX  and XXXX  have updated their records but Experian refuses to do so even though I attached a payment receipt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my report and noticed ai had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
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. 
XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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: Credit card

I am writing to express my frustration with the high interest rate on my account and the lack of support I received when I called multiple times to request a reduction. Despite being a loyal customer and managing my account responsibly, I was told each time that no assistance could be provided. 

Given that Capital One is currently facing lawsuits over unfair practices, I am requesting reimbursement for the interest I paid over the last year, as I believe the rates I was charged were excessive and unfair. 

Please review my account and address this matter promptly. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " Musk and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) as well as the Privacy Act, 5 U.S.C. 552a have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 
I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 

I expect a written response within XXXX  days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

I trust that you will handle this matter with the urgency it demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent too much time disputing erroneous information on my credit and the bureaus have not had the responsibility to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

MicroBilt at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, Attn : Consumer Affairs. 

XXXX account # XXXX i have no recolection of this account does not belong to me applied bank account # XXXX this account is paid settled in full i have included an letter stating a XXXX balance from the collection agancy XXXX XXXX  account # XXXX account is closed and reports XXXX balance on XXXX so the balance needs to report accurate on all companies XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me also its reporting twice as 2 tradelines not mine bridgcrest account # XXXX i have no recolection of this account does not belong to me XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me FOR ALL OF THESE ACCOUNT I WANT DOCUMENTATION OF THE VALIDITY OF THESE ACCOUNT AND HOW THESE ACCOUNT WERE VERFIED. I WANT PROOF OF MY SIGNUTE FOR THESE ACCOUNTS AS I DO NOT RECALL HAVING ANY OF THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or remove the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you of fraudulent accounts and inquiries on my credit report due to a recent identity theft incident. I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) regarding this matter ( Report Number : XXXX ). The breach resulted in several accounts being opened in my name and unauthorized credit inquiries, which have significantly impacted my credit score and financial standing. The following is my full statement of the crime : I was the victim of a data breach that led to unauthorized use of my personal information, including my name and Social Security number. Fraudulent accounts were opened, and inquiries were made without my knowledge or consent. The unauthorized accounts and inquiries are reflected on my credit reports with XXXX, XXXX, and TransUnion. This breach has caused a decline in my credit score, and I am now being held liable for debts I did not incur. 

Affected Accounts : The following accounts were opened fraudulently using my personal information. I request their immediate removal from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Fraudulent Credit Inquiries : Additionally, the following credit inquiries were made without my authorization and need to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries were not initiated or authorized by me, and I am a victim of identity theft. As such, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request that these accounts and inquiries be permanently removed from my credit reports, and that any associated collection activity cease immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and sells failed to investigate my claims accurately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also let repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transcrepancy is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I did a Credit Sale with Avant roughly around XXXX, recently I was notified by an unauthorized company that they had been granted a summary judgement. I was not aware that my account had either been sold or assigned unlawful. The original creditor is in violation of the Truth In Lending Act pursuant to 15 USC 1601 and they both are in violation of 18 USC 1028A Aggravated Identity theft. 

I am demanding all parties to Cease and Desist all unlawful activity. In addition, I am requesting pursuant to 12 USC 5561 ( 4 ) Documentary Material of the alleged obligation. 

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

I have identied several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address this issues. These accounts are in connection to identity theft on fraudulent activity. The credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. This noncompliance represents a clear infringement on my consumer rights. I am seeking the assistance of the federal trade commission, as well as the consumer nancial protection bureau to facilitate the removal of certain negative accounts for my credit report, these accounts have not been addressed in accordance with relevant compliance standards, and I require the consumer nancial protection bureau 's intervention to ensure proper resolution of these issues if these companies fail to remove these accounts, I will le a complaint with the XXXX XXXX XXXX  as well as with the Oce of the comptroller of the currency
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX/year> - {$10000.00} XXXX XXXX XXXX - XX/XX/year> - {$5000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

XXXX XXXX XXXX has XXXX addresses XXXX XXXX XXXX XXXX XXXX, GA XXXX and their Payment Processing Center address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX. XXXX has claimed that I owe XXXX XXXX XXXX for a XX/XX/year> transaction on a Check returned to a closed account. I called XXXX and they have no record of any such situations or transactions, nor do they use this company to collect debt. 
I have verified that XXXX does not take checks, and I don't use checks when purchasing from XXXX. Also, you must select and approve a payment method at the time of purchase before receiving goods or services delivered by XXXX. Due to the above stipulations of XXXX 's service policy, the Collections request for payment by XXXX is fraudulent.
Product: Credit card or prepaid card

This is regarding my XXXX XXXX Mastercard and Better Balance Rewards credit card by Bank of America. The accounts were opened in XXXX. I had completed my bonus sign up offer for the XXXX XXXX Mastercard. After the initial payment, there was a balance on the credit card. The creditor failed to send statements to my address and email address to notify me of this balance causing a negative report to appear on my credit reports. 

After calling and making the payment to the bank 's collections department, they assured me that there was no balance on the credit card and no further payments would be required. They assured me this more than once. After several months in XX/XX/XXXX, I received a notice from Bank of America in my mailing address that both my credit cards, XXXX XXXX Mastercard and Better Balance Rewards, were being closed due to negligence in payment. I called in and they told me that there was a balance of {$25.00} + late fees + interest on that amount on the XXXX XXXX credit card. I spoke to them that I had called earlier in the year to make sure there was no balance on the card since the payments were already late once. They said that there is nothing they can do and all negative reports will be put on the credit report. Due to payment negligence, they had closed both my credit card accounts without my permission or authorization and submitted a negative report to my credit file at XXXX, XXXX, and XXXX.