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

After several notices of my PII being leaked in several data breaches and information that my PII was found on the dark web, I found more fraudulent information on my credit reports. I attempted to resolve this directly with the companies with no success as the companies have the information provided by the bad actors and not information that I can verify to be true and accurate. I disputed the information several times with the 3 major credit reporting agencies yet their actions show that they believed they were entitled to disseminate false information, damaging my creditworthiness. I have suffered immensely as the inaccurate fraudulent info has interfered with my ability to participate in interstate commerce.
Product: Checking or savings account

On or around XXXX I made a purchase of an electric fireplace for {$96.00} from an advertisement on XXXX. I used my Bank of America debit card for this transaction. I never received the purchase and tried reaching out to the merchant to no avail. I contacted Bank of America and disputed the transaction. They credited my account and began an investigation. About 2 months later they took the money back out of my account and sent me a letter stating that I had received the purchase, which I had not. I called them several times and sent the following letter. I also sent a complaint to Bank of America complaint department. I have found out in speaking with several others that Bank of America has been denying claims from it's customers. Maybe it's time for the consumers to withdraw our funds and go to other banking institutions that are more sensitive to the consumer needs. 






Bank of America Attn : Debit card operations XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2021 Re : Claim # XXXX Amount : {$96.00} Dear Sir or Madam : I am writing to dispute a determination to remove the amount of {$96.00} from my account based on a claim I submitted for the order of an item that I am not in possession of or was never in possession of. 

The determination is inaccurate because the merchandise I ordered was never delivered. I live in an apartment complex and there is no porch to my building and the USPS tracking slip says it was delivered at the front door or porch at XXXX on XX/XX/2021. However, it does not give an exact address it says XXXX, NJ XXXX. 

When I get deliveries to my apartment the XXXX, XXXX XXXX, XXXX person or the mailman rings the buzzer to be let in the building if the packages are too large to go into my mailbox. 

I work from home and I am here at my apartment every day, and if I am not here my daughter or husband is here. 


Please find enclosed the copy of 2 emails I sent the seller regarding the purchase of an electric fireplace in the amount of {$96.00}. As you will see I never got a response from the seller which raised my suspicion that the transaction was fraud and that is why I filed a dispute. 

Please thoroughly investigate the nature of the claim before deciding to decline my claim again. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, after receiving an email welcoming me to subscription streaming application, and having other recent suspicious activity, I started to think I may be vulnerable to identity theft. In being proactive, I have contacted the 3 credit bureaus. I have several complaints about TransUnion. 
1. When looking at my credit report, I discovered that I am able to get my XXXX from XXXX XXXX for free, but must pay TransUnion {$9.00} for the same information. Calling TransUnion confirmed this. They confirmed the security freeze is active and a new fraud alert, through XXXX, would be put on my account. 
2. When looking at my account inquires ( both soft and hard ), I discovered 2 soft inquiries done XXXX and XXXX, both from TransUnion. This puzzled me. I called them, and the gaslighting began. I have spoken to 5 people at this agency. This is the jest of what I heard them explain why TransUnion is pulling a inquiry : Since I have an account with XXXX XXXX, they have pulled the report, after it was requested by me ( through XXXX XXXX ). How would TransUnion know if this request was made to XXXX XXXX? I was told because they are the affiliate. The thing is I never did make this request through XXXX XXXX. I've been using XXXX XXXX for years, and never had an inquiry. Is this a coincidence that I have reason to believe my identity has been compromised and these " soft '' inquires are showing up? Who else are their affiliates? Also, I have a freeze on my account for almost a year. How is it that inquires were made at all? No reasonable explanation is provided. 
Here are the lines from Account Review Inquiries : " TRANSUNION XXXX XXXX XX/XX/2023 ( my name ) via XXXX XXXX  XX/XX/2023 These above examples are the first time this has been done. 
3. I understand it is my responsibility to monitor my scores. I do that. But to think TransUnion ( a monitoring agency ) is pulling a soft inquiry. It alarms me. 
4. TransUnion makes me pay {$9.00} for each report. Access to the score online is NOT an option, unless TransUnion gets money. Without paying, I am left in the dark of any changes. Given the recent events, I would want to check it regularly. It is outrageous that a monitoring agency would charge this much. I have to wonder is TransUnion part of the identity thief ring. Pay or get you identity stolen. Isn't that why we monitor so these thieves won't steal money? Seems to me damned if I do, damned if I don't.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX
Product: Mortgage

Goldman Sachs failed to respond to CFPB complaintXXXX which Goldman Sachs raised additional questions in previous responses. NOTE : the below questions are the same questions we have already requested earlier this year which were not answered by Goldman Sachs. If Goldman Sachs answers these remaining questions honestly, we will cease and desist all complaints against Goldman Sachs. If Goldman Sachs fails to answer these questions, we will continue to file additional complaints until these questions are answered! Furthermore ; complaints against Goldman Sachs will be posted on the internet for all consumers to view which will not look good for Goldman Sachs!
NOTE, failure to address complaints may be a violation of federal and state laws! First, after purchasing our Note and Deed of Trust from XXXX XXXX XXXX in XXXX XXXX ; did Goldman Sachs ever sell, transfer or Reconveyance our Note and Deed of Trust which is located in GSR Mortgage Loan trusXXXX XXXX? Second, if so, who did Goldman Sachs sell, transfer or provide a Reconveyance too? Please provide documentation! Third, please provide dates with your documentation! Please respond to our questions accurately and provide documentation so we can resolve this matter. NOTE : forwarding this complaint to the servicer, XXXX XXXX XXXX will cause additional complaints to be filed against Goldman Sachs! These complaints do in fact pertain to our note and deed of trust which reflects how the servicer has failed to act in good faith which has violated our laws. With this being said, these questions are warranted due to the fraud and bad business practices that has occurred. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It  May  Concern :  XXXX / XXXX / XXXX   XXXX   XXXX  Consumer Financial Protection Bureau  Case #   XXXX  It is obvious from the  Unifund  response that this is a standardized template letter.     I have never been served in person, by mail or in any other format ever.     Unifund is required by law to provide proof of such event which is the original complaint that was filed by me stating that I was NEVER served, notified or any documentation or  US  mail ever delivered to any address that I receive correspondence at.     Additionally, NONE of the credit reporting firms including all the majors,   XXXX   XXXX   and   XXXX   show ever an official claim filed against me.     I am attaching a copy of   XXXX   which is a law firm and credit repair firm in the state of California that shows my full credit history for the last 5 years on all major credit reporting firms and as you can clearly see ; there is no filing in the last 5 years.     The statute of limitations for consumer debt for the state of California is 4 years. And, as admitted in their own documentation, this pertains to a debt from  XXXX , well over 11 years ago.     My complaint has been fully validated :   1. Unifund  has never provided documentation of how, when, where or by whom I was personally supposed to have been served as required by law.
2. Nor has Unifund   provided any mail documentation in the form of certified mail letters or mechanism or report of who this was given or sent to.    3.  I am requesting to be clear that this debt be eliminated based on 3 principles : A. I was never served B. The debt is beyond the statute of limitations for the state of California as it over  10 years old which is more than twice the legal limit C. No evidence has ever been shown to me or any US  credit reporting firm of the existence of this claim.
Product: Student loan

From MEFA 's response to my initial complaint, I asked MEFA to provide a copy of the promissory note showing that I had signed and agreed to receive all paperwork including tax forms in my name for the loan and not my son 's name. A few weeks later, I received a copy of the loan application including the promissory document which was signed online showing my signature but the language they were referring to and claim that I agreed to came in a paragraph after my signature along with a lot of other language in paragraphs after my signature. I have no recollection of ever seeing that language which they claim that I agreed to and since it was an online document signed online, who knows if those paragraphs after my signature even existed when I signed the forms online. Any language after my signature could have been added later and anything in an online document showing after my signature is void from the agreement as far as I am concerned. I don't know if it was there, you don't know if it was there, and why it was not in the document before my signature showing that I agreed to it. There is too much area for fraud with any online document and the possibility of language being added after a signature. Only one party has control of the document. I agreed to what was above my signature only. 

My son still can not get his tax refund from last year due to what I have been told by their payment agency, XXXX XXXX XXXX, is the MEFA policy of placing the co-singer at the primary borrower and placing the paperwork in the co-signers name, and I just got the same 1098E form in my name for this years income taxes and I have no right to claim the interest deduction when my son is making all of the payments including the interest, just as her did last year. He should get the paperwork in his name so that he can claim the deduction for interest paid on his student loan on his income tax forms. I was also told that if we wanted the forms to be received in my sons name then we would have to refinance the loan, which in my opinion is bureaucracy at its worst. There must be a better way to get the documentation in his name.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX had devices in order for them to operate the non profit rescue of animals with XXXX XXXX. XXXX went through economical changes and with in a month disconnected all devices - with attempts to resolve the issue they would not answer at all or put on hold with offshoring companies. With COVID you could never get ahold of them - now the volunteers that answer the XXXX number which serviced the old XXXX is getting calls threatnening the business with ghetto and co, unist type approaches " are you the business owner ... are you at PO BOX XXXX .are you the owner? XXXX changed owners several times - and the original one XXXX XXXX that started the organization is dead - In the mean time they tacked on charges up to XXXX  - we do not have a n issue giving them them the XXXX that was outstanding but to put money in the pockets of some crooks that just woke up from COVID because they thing Trump is not in power becuase the rep stated that is just crazy - These companies should be regulated and not allowed abusing the people - It is called Diversified XXXX Diversified Adjustment Service , Inc. : Debt Collection Agency ...
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts from my credit report. I have been a victim of a data breach, and the accounts listed below were opened without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these accounts be blocked and removed from my credit report. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Topic : Regions Bank is involved in misguided advertisements and collects hidden fees that were not disclosed with the promotional material. 

I received a promotional code ( XXXX ) from Regions Bank with an offer to receive {$400.00} bonus upon online account opening and making XXXX debit card transactions. 

In order to receive the offer i opened the account on XX/XX/2021 with online deposit of {$400.00}. 
Note : 1 ) I received debit card late for me to complete the XXXX debit card transactions. Some transactions got delayed posting on the account. 
2 ) I called the customer service XX/XX/2021, inquiring about {$400.00} bonus. I was told that it is for the branch discretion if they would honor the {$400.00} as i have delayed posting to the account. 
3 ) I was charged $ XXXX monthly fee for XXXX month. Upon calling the customer service i was informed that i should have minimum $ XXXX to avoid fees. I deposited funds through XXXX to be above {$500.00}. 
4 ) I was again charged $ XXXX monthly fee for XXXX month. Upon calling the branch, i was told that the minimum requirement for the account is {$1500.00} or payroll direct deposit. This was never communicated to me in the promotional offer letter ( enclosed ) 5 ) I was told the branch representative will call to address my concern. I did not receive any calls from Regions Bank. 
6 ) At this point, i wanted to close my account. I was informed that it will cost me {$25.00} to close account, if the account is less than 6 months from date of opening. This was never disclosed on the promotional card enclosed for reference. 

Regions Bank is operating a SCAM scheme of duping innocent borrowers with bonus offers and false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am putting this company on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 I was 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 allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Text contains those laws in effect on XX/XX/year> From Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING AGENCIES Effective Date 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors
Product: Credit card or prepaid card

Capitalone claims your automaticly eligible for credit line increase in all little as 6 months. That's not at all how Capitalone works. 
Also for secured card there is no way to put my own cash on card to increase my limit myself. 
These two claims are on most ad for there services tied to that card.
Product: Mortgage

Through the help of XXXX, formerly the HUD Certified Housing Counseling Agcy, I filed for a Modification Loan with Ocwen Mtg Co., my paperwork showing the date of filing on XX/XX/2015. Again and again, I have sent documents requested by Ocwen, either directly from my fax machine or when they claimed they did n't receive them, through XXXX fax machine. Apparently Ocwen is not properly utilizing the webportal called HOPE LoanPort to pull recently uploaded documents. 
Again, today, they requested documents sent to them more than once over the last XXXX months, prolonging a decision on my loan. Ocwen informs me they have an auction date on my home of XXXX XXXX, 2015.
Product: Mortgage

I am writing another complaint concerning my Mortgage. I received a letter from SPS stating on XXXX XXXX that I was offered a Fresh Start Modification but did not accept the offer of loss mitigation assistance by the established deadline. I told SPS that the modification offer that was offered was unaffordable for me. I have constantly asked SPS to make my mortgage more affordable and comfortable. We are living in hard times now. I am constantly trying to work with SPS and I am not getting anywhere with them. They are not trying to work with me at all. I understand that I am behind on my mortgage but I will continue to stay behind when you want work with me. This home is not yours nor mind. I did not receive any money for this house from no loan company in my hand. All the figures are just on paper and SPS will not work with me. Can I be given a comfortable mortgage of XXXX please. All SPS love to do is send out foreclosure letters to make me loose the house. This is A discrimination case because I am XXXX and also a unfair treatment case as well. SPS can you please reevaluate everything and come up with a comfortable mortgage that I can pay. I am under a Permanent Hardship.Thanks
Product: Mortgage

On XX/XX/XXXX, I found out my old mortgage servicer sold my loan to PHH Mortgage Servicer. When I went to submit my first payment, PHH charged me an extra {$7.00} " Draft Fee '' that I could not avoid. They expect to steal an extra {$2300.00} from me over the life of my mortgage.

I tried to contact them but they had adjusted their customer service hours without any notice to loan holders or mention of their adjusted hours on their VERY outdated website. 

I requested a refund of my {$7.00} and am pursuing a refinance to get away from this terrible company.
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 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 has violated my rights. Or list of inquiries 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 reporting, credit repair services, or other personal consumer reports

I have sent two disputes to Experian, most recent one being XX/XX/2018, regarding inaccurate name and address appearing on my credit report. I have never lived at that address nor gone by that name. I have been told that since name is attached to tradelines it can not be removed. I have contacted these tradelines and they do not have the name associated with my account so I have exhausted all avenues in regards to getting inaccurate name and address removed. The address and name does not belong to me. I have even provided a copy of my drivers license for verification and they still refuse to remove the inaccurate information. Just because it " appears '' on tradelines does not make it accurate. Below are the items that do not belong to me that they continue to report illegally : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX
Product: Credit reporting

I disputed a judgment that is not mine to Equifax. It has been six months andI still have not received my results. Equifax just keep saying that it is pending. XXXXI was denied credit because of this error.