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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} XXXX SELF-REPORTED XXXX Balance : {$17.00} UTILITY SELF-REPORTED XXXX Balance : {$230.00} UTILITY SELF-REPORTED XXXX Balance : {$110.00} XXXX  SELF-REPORTED XXXX Balance : {$90.00} XXXX SELF-REPORTED XXXX Balance : {$550.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on XXXX XXXX XXXX  account beginning with XXXX, a credit card with a {$600.00} limit and no balance.

T

his company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home. Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.
Product: Student loan

Never advised me of repayment plans. Multiple loans for the same account or school attended. Confusing and contradicting information regarding school loans.
Product: Vehicle loan or lease

I was contacted on XX/XX/XXXX in regard to my account not being up to date. I was told my XXXX payment did not go through, but I had proof and explained it did go through. Westlake Financial told me to send my statement for XXXX to XXXX XXXX XXXX. No one has responded back to me yet. I called back on XX/XX/XXXX and spoke to XXXX. She had told me the months in question are XXXX, XXXX and XXXX of XXXX. She had told me those payments were retracted by me or my bank. I did not retract those payments and I immediately called my bank who told me they did not request any money to be retracted. I then called Westlake Financial back and was told to speak to a supervisor but every time I called there was never a supervisor available. On XX/XX/XXXX XXXX called me saying I was 100 days late and I was being sent to collections. I had explained to him nothing was put back into my bank account and I was told by Westlake that it just happened on XX/XX/XXXX. Again, I called on XX/XX/XXXX and spoke to XXXX who then told me in order to get this resolved to send my statement to a supervisor. After speaking to XXXX and XXXX  it is clear this has been happening since XX/XX/XXXX. Every payment I have been making has been going to the supposed late or no payments. I was never contacted or received any notice by mail or email regarding my account being behind. XXXX transferred me to her supervisor XXXX XXXX who told me to resend my bank statements to prove the money was pulled from my account. On XX/XX/XXXX I spoke to XXXX who told me she was contacting the accounting dept. I did not receive any response back until XX/XX/XXXX from XXXX which she stated they had found my XX/XX/XXXX payment and they were looking for my XXXX and XX/XX/XXXX payments. I am very frustrated and upset at this point because I have proof it was pulled from my account and nothing was put back in. I have been threatened that Westlake will reposes my vehicle. I have been threatened to be sent to collections. My references are being harassed as well. I keep calling to get updates about my status and Westlake keeps giving me the same answer which is I need keep sending them proof of my statements. I called XX/XX/XXXX to speak to XXXX because she has not contacted me since XX/XX/XXXX. I finally spoke to XXXX another supervisor and she spoke to XXXX who had told her the reason for the delay was because my bank statements looked altered. I was never aware of this new information until today when I called Westlake to make a payment. There was no way that I could have altered my bank statement when I printed it directly from my bank. This needs to be resolved.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX  PORTFOLIO XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

this company call my place of employment XXXX times a day it is always an automated system it states my name and continues to state this is a law firm attempting to collect a debt and it provides a number to call back, every time i call the number to find out who this is and why they are calling to my knowledge i do not owe any debts and never recived any notices of collection to my home or job.. i have never been able to speak to a live person the number they provide goes staright to a voicemail and asks me to leave a message and a call back number
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX and XXXX. ( Please see page attached from my credit report. ) These accounts report 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 {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a 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

I have been shopping around the past week for potential loan options for home improvements. On my credit report you will see many soft pulls which I agreed to as the websites ( through site disclaimers ) or contacts I was working with explicitly confirmed that the application or written consent was for a soft pull which would not impact my credit score. From a XXXX search, I clicked on a link and redirected to a website for Discover Home Loans. I proceeded to fill out information in the application. On the page where I must consent, one of the disclaimers that I had to agree to for them to obtain a credit report. However, I know from shopping around that obtaining a credit report does not warrant a hard pull to my credit, and I was initially cautious. Before I consented, I thoroughly browsed the site to see if anywhere they noted that agreeing to the consent form was in fact a hard pull, but there was no verbiage whatsoever that I could find. So I consented, and immediately after I got a notification of a change to my credit score. This was rather infuriating, as someone who has been pretty diligent to only focus on soft pulls, to be deceived by a site that did not fully and properly disclose that I was consenting to a hard pull of my credit. I called Discover and tried to press my case but they argued that unfortunately there was nothing they could do and I agreed to a hard pull of the credit report. However, I have a screenshot of their consent form area, and it says " obtain a credit report '' which does not by any means translate to a hard pull knowing that " obtain a credit report '' is ambiguous and could also mean a soft pull, like I have done with other lenders while shopping around. Having an education background in marketing, I find this to be a deceptive marketing practice, and I am guessing other may have had the same experience not knowing how to address this. I feel site must clearly designate whether an application will result in a hard or soft pull and a protection to consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX SSN XXXX XX/XX/XXXX RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. 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 reportingTheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras 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 generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras 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.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) PLEASE DELETE OFF MY REPORTSincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been able to freeze and unfreeze my Equifax reports since XXXX using a PIN that was provided by Equifax. Equifax recently changed the process where the PIN is no longer valid and I have to use MyEquifax website ( https : //my.equifax.com ). 

I created an account at MyEquifax website and I was successfully verified, but I am unable to login. When I attempted to reset my password, Equifax claimed that I have no account with them. This is the timeline of the issue : 1. Created an account with my email address and unique password at MyEquifax website 2. During the registration process, I opted to receive verification PIN via mail 3. On XX/XX/XXXX, I received the PIN and verified my account at https : //my.equifax.com/pin 4. The account is verified and I received an email from Equifax that my account is now active ( See attachment 1 ) 5. I tried to sign into MyEquifax, but received an error that my email and password combination is incorrect ( See attachment 2 ). However, I am using the SAME email and password from Step 1 above.

6. I clicked on Need Help Signing in? and entered my personal information ( SSN, DOB, Name, etc. ). 
7. Equifax claim that there is no account associated with my personal information ( SSN, DOB, Name, etc. ) ( see attachment 3 ) 8. If I try to register for a new account, Equifax then said that an account has already been created with my personal information ( see attachment 4 ) This is strange because I DO have an account at https : //my.equifax.com based on Step 1 to 4 above : * I can request a verification PIN ( Step 2 ) * The verification PIN was sent to my address ( Step 3 ) * The verification PIN and my email address was accepted ( Step 4 ) * I received a Welcome email from Equifax ( Step 4 ). 

So Equifax claimed that I do not have an account ( I do per the above ), but if I tried to register, Equifax said an account already exist. 

I have attempted to contact Equifax by sending them a letter, along with proof of my identity ( SSN and utility bill ) via USPS Priority Mail with proof of receipt. Equifax has received my letter ( according to USPS proof of receipt ) but as of today, they have not responded to me at all. 

Currently, I am LOCKED OUT by Equifax and I can not do ANYTHING with my own Equifax credit report. Equifax also has not responded to my request for help. 

Could CFPB assist me in this matter? This is a big issue for me because I can not get a loan for my daughter college tuition since ALL financial institutions are unable to access my Equifax credit.
Product: Credit reporting or other personal consumer reports

I am writing to disagree with the previous results of the investigation I dispute the account listed below, which remains on my credit report despite your prior investigation. I request an immediate reinvestigation, as the inaccuracies are seriously impacting my credit score. 

Account Name : XXXXXXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, I request the names and business addresses of each individual involved in verifying this account. This information will allow me to follow up appropriately.

Additionally, please provide me with an updated copy of my credit report once the reinvestigation is complete.

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

The XXXX registration Texas did that it for state conviction in XXXX, Texas don't have jurisdiction over the matter, had long surpassed up statue of limitation, what state conviction, so you act supposed to be still being Sue for exposing that information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.
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 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  has violated my rights 15 U.S.C 1681 section 602 A. Statee Ihave the right to privacy. 15 U.S, C 1681 Section 604 A Sections 2 IT also states a consumer reperting agency can not furnish a account without my written instruction,
Product: Credit reporting or other personal consumer reports

I Currently have some XXXX accounts and inquiries on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of 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 Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and XXXX a serious concern about consumer safety.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX, XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I still have a claim open since XX/XX/2023 Confirmation number : XXXX
Product: Credit card

Macy 's did not inform me that my interest rate increased to 18.99 % the end of XXXX 2015.
Product: Debt collection

I have never received any documentation from CCS providing me with information about consumer protections. I never received any communication from them informing me that I had a right to dispute the debt they were contacting me about, nor did they provide a mailing address at which they accepted disputes and requests for original creditor information. 

I also sent two certified letters to The CCS Companies at XXXX XXXX XXXX XXXX, MA XXXX and to The CCS Companies XXXX XXXX XXXX XXXX, MA XXXX, requesting the following and never received a reply : The account number or a truncated version of the same for the original creditor A valid itemization date - as defined by The Rule as the date of the last periodic statement or written account statement or invoice provided to the consumer by the creditor ; the charge-off date ; the last payment date ; the transaction date ; or the judgment date. 
An itemization of the debt from the itemization date forward Verification and documentation that there is a valid basis for claiming that I am required to pay the debt to your creditor-client. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

A copy of the last billing statement sent to me by your creditor-client. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from your creditor-client, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from your creditor-client, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement your creditor-client please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when your creditor-client claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account.
Product: Checking or savings account

I received a payroll check on the evening of XX/XX/XXXX ( Friday ). Bank of America has typically been open on Saturday 's, and I figured I could stop by the bank to deposit the check and request {$100.00} back so that I could purchase groceries. 

Turns out many of the Bank of America branches in my area are closed on XXXX, unbeknownst to me. As a result, I deposited a {$3000.00} check into the ATM. Traditionally, I am able to take cash from the deposit, but since the branches are closed I wasn't given the opportunity to ask. 

I understand that moving into an automated and AI driven customer service engine helps save on payroll expenses, but it leaves circumstances like mine in a " tough luck '' situation, which I believe is unacceptable, especially for a financial institution that was given BILLIONS of tax payer dollars a decade ago. 

I would love to see a change in how banks handle check deposits, especially when it relates to special circumstances like mine. There will undoubtedly be more people in my situation as we move into XXXX, and it would be helpful to know that every once in a while a financial institution thinks about its customers rather than its profits.