23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Regarding Disclosure of Nonpublic Personal Information Dear JPMCB " To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802.

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices.

2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information.

I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ].

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information.

2. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices.

3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information.

If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights.

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ your contact information ] if further clarification is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/2023, I saw a charge in the amount of {$400.00} from AMEX XXXX XXXX XXXX on my billing statement that I did not authorize. After contacting American Express, they failed to provide an explanation for the charge and failed to provide me with a refund. They told me that they had opened a global complaint about it and that I should wait for a response. However, I did not get a response until now. 
The same issue happened again on XX/XX/XXXX and it was for the amount {$41.00}. I contacted American Express again and was on the line for XXXX minuets with no one able to provide an explanation for the charge. When I searched online, it appears that this issue is wide spread and found that I can file a complaint with CFPB to help me with this.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Fraudulent Collection Account Due to Equifax Data Breach Dear Equifax, I am writing to formally dispute a collection account that is currently being reported on my credit report by XXXX XXXX XXXX. This account is not mine and I believe it to be the result of identity theft that occurred due to the well-documented data breach at Equifax. 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX Date Reported : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Given that this account was fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute this account for the following reasons : Inaccuracy : The account listed does not belong to me, and I have never had any dealings with this creditor. 
Identity Theft : This account was opened fraudulently using my personal information obtained through the Equifax data breach. 
To support my dispute, I have enclosed the following documentation : I request that Equifax conduct a thorough investigation of this fraudulent account and remove any inaccurate, incomplete, or unverifiable information from my credit report. Please inform me in writing of the results of your investigation and provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, if the investigation reveals that the information is indeed inaccurate or unverifiable, please notify XXXX XXXX XXXX of the deletion of the account from my credit report. 

If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This is the XXXX communication from V & K regarding an alleged debt from XXXX due to disconnection fees. XXXX admits the debt is not valid because I disconnected my lines incident to a XXXX of station and invoked the SCRA.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and had noticed illegal inquiries on my credit report that I did not authorize. The companies did not respond within the time frame.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, declare that my identity has been stolen and used to open various fraudulent accounts without my consent. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my Transunion consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The following accounts were opened in my name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the fraudulent accounts and hard inquiries in question as well as a maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Checking or savings account

Unauthorized transactions of about {$1800.00} all in one day through XXXX of which I have no account with and Citibank refuses refund.
Product: Credit card or prepaid card

XX/XX/2019-XX/XX/2019 I noticed account on credit file and have attempted to resolve this fraudulent account on my credit account I have been unable to resolve issues with this account and company
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit card or prepaid card

I am still awaiting a credit balance refund I requested on XX/XX/XXXX  Company says I must wait another 3 weeks. 

1026.11 Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;
Product: Money transfer, virtual currency, or money service

This complaint is a concern with using my Google Wallet in concert with a prepaid XXXX debit card. I have a XXXX debit card that is registered to my name and address. I want to pay a friend of mine {$50.00} from this debit card. However, when I try to add this card to Google Wallet to pay my friend, and click " Save '', I receive an error message : " Unable to complete transaction : prepaid cards ca n't be used ''. This error occurs solely based on the card number ( probably the XXXX ) ; it does not appear that Google Wallet/Google Payments attempts to process a charge on the card. I tried this as recently as XXXX XXXX, 2017. XXXX 's regulations require that all payment processors honor all types of XXXX cards, including debit cards. Nothing in Google Payments ' terms supports the premise that it can selectively discriminate. Therefore, this behavior is discriminatory and a violation of XXXX 's rules.
Product: Student loan

Mohela has as of XX/XX/23 XXXX  out my students loans, however they are still showing on my credit report. The credit report shows that Mohela last reported to credit reporting agencies on XX/XX/23. No updates have been show on the credit report as far as the XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the last three years several accounts keep reappearing on my credit report after filing disputes. Several paid off accounts. Student loans history as well that were consolidation. In addition, I have a fraud alter on my report and i still get plenty of inquiries.
Product: Credit reporting

I attest that I am XXXX XXXX, and I am the author and owner of all information placed in this dispute. 

The XXXX XXXX account on my record, is not mine. I never opened an account with them, received or activated a card, or - established any credit line with this company, Equifax updated this account with verbiage that says the following, and on XX/XX/2015 - " Consumer disputes after resolution " I am, and never have been the owner of such an account, and therefor, and again dispute this tradeline for it is wholly innacurate, This is the second dispute with EQ, and for each failure to respond to the issue brought to them and clearly spelled out and not acted on, there is an allowable financial penalty for each incidence, in the courts, available to me. 

XXXX XXXX should be contacted directly, to verify the same. 

1. I hereby request a method of verification, specific to how this account is/will be verified. I am entitled to a contact name, address, telephone number or other identifier, in which EQ has or will verify this account and its ownership. 
2. I also request, that this tradeline be deleted. 

As per the FCRA, this item must be deleted.
Product: Checking or savings account

I got scammed by someone on XXXX and WellsFargo refused to reimburse me for the money from when I filed a fraud claim. After calling several times and jumping through so many customer service hurdles and waisting my time, the notified me three days later that my claim was rejected the same day I opened it, which makes XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit that I believe are hurting my financial well being.. I am aware of my fair credit act and request a thorough investigation of these inaccuracies as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.
Product: Debt collection

This fraud company continues to call and text me demanding money to settle a previous credit card that I have never had.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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 XXXXXX/XX/XXXX
Product: Prepaid card

I am having an issue using my AMEX gift card once again. I had the same issue one year ago and had to submit the exact same complaint. I do not understand how these are still able to be issued when I have had such a hard Time using these. I have tried at big box stores and particularly XXXX, which, in my opinion, I should be easily able to use an AMEX gift card at the largest retailer in the world. 
I would love to be able to use the gift card without having to submit a complaint about this. I dont really know what to do though when it is given as a GIFT. I have tried several times on XXXX and I have had no success. Since this happened exactly the same way last year I have not tried to use it multiple locations. I have no faith in this working in most places that I want to redeem a {$300.00} gift card.
Product: Debt collection

Received letter stating I will have wages Garnished post marked XX/XX/XXXX. 
XXXX became subject to garnishment on XX/XX/XXXX of XXXX. Original debt is for {$1800.00}. Now is XXXX. 
Oregon statute of limitations is six years and debt collectors should not take person to court to sue to garnish wages.
Product: Credit reporting or other personal consumer reports

My information was compromised under data breach and fraud will like items removed from my Credit The credit laws under 15 U.S.C. 1681 are part of the Fair Credit Reporting Act ( FCRA ), which is designed to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). Below are the key provisions of this law : 1. Consumer Rights Under the FCRA The FCRA provides several rights to consumers, including : Access to Information : Consumers have the right to request and obtain a free credit report from each of the XXXX major credit bureaus ( Equifax, XXXX, and XXXX ) once every 12 months. 
Right to Dispute Information : If a consumer finds inaccurate or incomplete information, they can dispute it with the CRA, which must investigate and correct or delete any inaccuracies.

Notice of Adverse Actions : If a consumer is denied credit, employment, or insurance due to information in their credit report, they must be informed and provided the name and contact information of the CRA that provided the report.

2. Responsibilities of Credit Reporting Agencies Accuracy Requirements : CRAs must maintain accurate and up-to-date information in consumer credit files. 
Duty to Investigate Disputes : When a consumer disputes an item, CRAs are required to investigate the claim within 30 days and correct any errors. 
Privacy and Security : CRAs can only share a consumers credit report with entities that have a legitimate purpose, such as lenders or employers ( with the consumers consent ). 

XXXX. Obligations for Furnishers of Information ( e.g., creditors, lenders ) Reporting Accurate Information : Entities furnishing information to CRAs must ensure the data is accurate and update or correct it if inaccuracies are found.

Responding to Disputes : They must investigate disputes forwarded to them by CRAs and provide timely corrections if errors are discovered.

4. Employment Screening Limitations Employers must obtain written consent from a consumer before accessing their credit report for employment purposes.

5. Identity Theft Protections Consumers can place a fraud alert or credit freeze on their credit reports to protect against identity theft.

6. Statutory Damages for Noncompliance Civil Liability : Consumers can sue for actual damages, statutory damages ( up to {$1000.00} ), and punitive damages in cases of willful noncompliance. 
Government Enforcement : Federal agencies like the Consumer Financial Protection Bureau ( CFPB ) or Federal Trade Commission ( FTC ) can enforce compliance. 

7. Special Provisions for Medical Debt, Tenant Screening, and More Recent amendments to the FCRA have added protections, such as limits on reporting medical debt and additional rights for tenants being screened by landlords.

For detailed provisions, you can review the statute directly at 15 U.S.C. 1681.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, a fraudulent scam occurred via XXXX. Funds of {$1000.00} was sent via Zelle. The banking institution was informed immediately of the scam. Zelle scam report was made. A report sent to Zelle requesting the fraudulent scam funds be immediately returned. Zelle has access and abilities to revoke and return all funds sent through Zelle via a Banking Institution by reporting to the bank, request a stop of payment, requesting a hold on funds, and returning funds to its rightful owner. However, Zelle refuses to implement the basic expectations of a trustworthy financial product. They lack all efforts to ensure consumers are protected and continue to be allowed to invade FDIC insured banking institutions without expectations or law. 
It is disputed and I expect full restitution of funds.
Product: Mortgage

CFPB Complaint against Nationstar Mortgage LLC ( Mr. Cooper ) Loan Information - Property Address : XXXX XXXX XXXX, XXXX OH XXXX - Loan Number : # XXXX - Lender : Nationstar Mortgage LLC, d/b/a Mr. Cooper - Previous Broker : Better Mortgage Complaint Details I am filing this complaint due to ongoing issues with my mortgage servicer, Nationstar Mortgage LLC ( Mr. Cooper ), regardi

ng mismanagement of my escrow account and failure to properly handle insurance-related matters. These issues have occurred repeatedly, causing significant stress and financial burden.

1. Forced Insurance Policy : Initially, Mr. Cooper claimed they did not receive proper notice that the property was covered under an insurance policy, despite evidence that this information was provided to both Nationstar and the broker, Better Mortgage. As a result, they purchased a high-risk forced insurance policy. This was later refunded when my insurance provider had to speak with them multiple times. Mr. Cooper admitted to making a mistake and rectified the issue. 

2. Failure to Make Escrow Payments : Subsequently, Mr. Cooper failed to make escrow payments to my insurance provider, nearly causing me to lose my insurance policy. I was forced to make a cash payment to the insurance company to keep my policy in good standing. Again, Mr. Cooper apologized and claimed there was an issue executing the escrow payment. My insurance company confirmed that a new/different payment was later received.

3. Inconsistent Escrow Amounts : Most recently, these issues have resurfaced with Mr. Cooper changing my escrow amount. The escrow amount continues to vary wildly each month without proper explanation. This inconsistency is not experienced with other lenders.

4. Lack of Resolution : When I confronted Mr. Cooper 's support team about these ongoing issues, they ended the chat without providing any solution or explanation. 

These repeated failures in managing my escrow account and insurance payments have caused undue stress, potential lapses in insurance coverage, and financial hardship. I am seeking a thorough investigation into these practices, a clear explanation of the escrow calculation methods, and assurance that my escrow account will be properly managed moving forward. 

I request that the CFPB investigate these issues and take appropriate action to ensure that Nationstar Mortgage LLC ( Mr. Cooper ) improves its practices to prevent such problems from occurring to other homeowners.
Product: Credit reporting or other personal consumer reports

I do not recognize this inquiry listed. I urgently request its removal from my credit report.
Product: Credit card or prepaid card

Today for a payment of XXXX that was PROCESSED on the XXXX. 
And the payment Today that processed YESTERDAY i apparently have to call XXXX  back TOMORROW to have them call XXXX XXXX so XXXX can tell XXXX  the money cleared. My available credit needs to be updated without having to make all these calls. They charge me fees for Trying to pay my bill ( i miss keyed something and was able to get chase on the line and verified and they still charged me even though they were able to take money out of my account that day ) the customer service agents are always rude and hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) 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. States a consumer reporting agency can not furnish an account without my written instructions.