23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My personal information was used without my authority or knowledge to to open several fraudulent accounts as follows : XXXX XXXX ; XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX, was notified on several occasions by via phone that the above debt was due to identity theft but they continue to attempt to communicated with me concerning the alleged debt and fraudulent account. Federal Trade Commission Identity Theft Complaint was also made. 

Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Navy Federal was given multiple notifications regarding the accuracy of this account which was created due to theft of my identity. However Navy federal keeps violating FCRA by reporting inaccurate information onto consumers credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} XXXX XXXX XXXX, has stolen the consumers identity and has been using it with authority and or consent to trade and sell consumer information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit card

On XX/XX/XXXX, I had a credit card charge ( Bank of America- BOA ) show up on my account for {$1600.00} from XXXX XXXX XXXX . Within 48 hours, I noticed the charge and checked with my husband to make sure he didn't make a charge that large. It is rare for us to spend that much. Neither of us made the charge and we've never purchased anything from that company and we still have no idea how they got my information to make that charge. We are also not having any work done on our house or even contemplating it. I called the bank right away. They cancelled that card and issued another and opened a fraud claim. On XX/XX/XXXX, BOA denied the claim and put the charge back on my account for me to pay. In XXXX, my husband and I both called. We got them to send us the documentation that XXXX XXXX XXXX sent that supposedly verified that I made the purchase ( I did not ), and we had BOA reopen the case for review, because we disagreed with their decision. We received the documentation. It was an invoice with my name on it, but it was invoice # XXXX and it said the pdf was created after the charge. It seems very unlikely that a real invoice would the first one a construction company had ever issued. It also said they had the credit card on file, but we've never done business with this company. On XX/XX/XXXX, BOA denied our claim again.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I pulled my credit report after having identity theft I notice things on my report that I never applied or have any knowledge of or any open accounts. On XX/XX/2022 I sent out certified mail letters notifying the companys and reporting companies listed with the accounts below which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. But However, I have not received a written response or any response back from the following companies. I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX .... 

XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
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 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 unlikely. The CFPBs findings suggest 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 not acceptable and raises serious concerns about consumer safety.
Product: Debt collection

i was contacted by XXXX XX/XX/2016 stating they bought a debt from Capital one that I was responsible for. I disputed it at that time stating I did not owe this and requested information to prove the debt per my right of the fair debt collection act. they sent me a copy of an old statement but refuse to send any further information such as a signed application or a payment history. I have asked multiple times for this information and they continue to just say either file as a fraud or pay it. they will not substantiate this debt as being mine. it is reported on my credit and causing issues. this company has had a lawsuit from multiple states already regarding their practices and I would like this removed from my credit due to them unable to prove the debt is legitimate.
Product: Credit reporting

I have been incarcerated from XX/XX/XXXX until XX/XX/XXXX. During that time someone using my identity got XXXX car loans from XXXX XXXX. It appears that XXXX was gotten in XX/XX/XXXX and another in XX/XX/XXXX. Upon my release from prison I reviewed my credit bureau reports and found XXXX charged off accounts for these cars on my XXXX bureau reports. Upon contacting the bureaus, XXXX and XXXX immediately removed the items. Incidental to that was the fact that there were other credit accounts taken out in my name which all three bureaus removed and identified as fraud accounts. In the case of Experian while they removed all of the accounts they would not remove the XXXX car loans from XXXX. They have asserted various reasons for not having done so chief among them that XXXX continues to report XXXX addresses as mine when they are in fact not. I have attached a letter from the manager of a post office that Experian continues to list on my file as one of my addresses. You will note that the letter clearly indicates that the box was not mine and that I never had access to or used it. Likewise, after going through many changes I was able to procure a copy of some of the documents from XXXX which purport to have been mine however on the documents you will note that where my name appears it is crossed through, there is no evidence of identification having been provided, no confirmation of insurance by the dealer and a bogus insurance policy number. Likewise, the telephone numbers given for me are not mine and have been proven by the respective phone companies to not be mine and most importantly, on the documents that XXXX has provided, it lists an address that Experian has ALREADY DEEMED TO BE A FRAUD ADDRESS. I have also attached affidavits executed while I was in custody which indicate that I was in custody and that the addresses listed are not mine. In light of all of the foregoing, I believe Experian should be compelled to remove the negative items that it is reporting on my credit report. In so doing they are contradicting their own findings of fraud. The continued presence of these items continues to render harm in terms of my inability to secure employment and the denial of credit. I would ask that Experian be compelled to delete these XXXX items as soon as possible.
Product: Debt collection

Today ( XXXX XXXX, 2022 ) Midland Credit has already called me twice. The only reason I believe it is for credit problems is because I XXXX  the company. They call me over and over, more than once a day usually. 
I have excellent credit and have never owed any money to any company. Perhaps they have me mixed up with someone else because I have no idea why they keep harassing me with phone calls. I have never answered any and always block the numbers. But they seem to have endless phone numbers to continue calling me. I always report it on the regular " Do not call registry '' to no avail. 
I hope you can take action that will stop this harassment. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2024 an " XXXX '' reached out to me on XXXX  wanting to use XXXX XXXXXXXX and I in a water painting, that will be put up in an exhibit. He said I will be compensated for my likeness. I said yes because, XXXX XXXX would love that. He said okay give me a few days my manger will text you about pricing I say okay. He ask for my phone number I give it to him. He tells me he needs me to send half of the money to him for resources to paint XX/XX/year>2024 His manger texts me about me sending a check. He sends me the check my bank neglects it and me being XXXX not understanding why. I asked XXXX XXXX if I can use her account to cash this check explain the situation she's like okay. 

XX/XX/scrub> 2024 We send the first check to her XXXX XXXX account it goes through we send him XXXX on cashapp and we keep XXXX later his account asks us to send him XXXX more dollars. We ask why it's ours he says bc the painting needs more resources. We say yes reluctantly because it's ours based off his word but we don't have the resources to win in court if we don't send it. 

XX/XX/scrub> 2024 He sends a check for XXXX. We cash it he tells us we can keep {$700.00} for what happened last time. We send the money. We go to church later at church his manger is asking us for {$500.00} of XXXX back. we start to catch on that this was a scam and we say no and send back {$300.00} and keep {$400.00} XX/XX/year> Her XXXX XXXX account is $ XXXX in debt. We don't understand why. We call her bank they tell us fraudulent checks. We are shocked, they threatened sending us to jail, and a lawsuit. We explain the situation on the phone. XXXX XXXX calms down and says we have to pay all of the money back. I text the " XXXX '' for the money back so I can send it back he says no then threatens XXXX XXXX. We argue back and forth eventually leading to nothing. XXXX XXXX contacted authorities about this it's seems they did nothing I call cash app for a refund, they say since I sent him the money I can get any of it back and I'm just out of luck. I used the {$700.00} I had to start paying off the debt. 

XXXX later I do my research or the Electrical Funds Act and realized I'm obligated for a refund from cash app. It's actually illegal for cashapp not to refund the customer their money for sending it to the wrong person in anyway. In my case it definitely was too I was scammed, and I was trying buy merchandise in a business proposal. my credit cards get cancelled due to all my money in my account being taken out. That debt is now add on to her total debt and her credit score is ruined. 

XXXX weeks later continued Calls and XXXX XXXX from the now scammers. They XXXX and point guns at me through the phone. I block them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX  XXXX Balance {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; NXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Finance, Thank you for providing a place to which I can write!! I have been in financial XXXX about the replacement of my home destroyed by fire in XXXX. I paid my payments correctly until XXXX and XXXX! I have always been ahead of my monthly payments until XXXX when I decided to hold it because they were not processing my claim fast enough. I have paid XXXX and XXXX now but am still hurt, sick and totally frustrated with their lack of moving quickly. With the replacement of a Modular Home the foundation is completed and we are waiting for water and electricity after the house is in place. The outdoor porch room also needs to be completed but they are holding that money until the is done. I have spend over {$10000.00} in renting a place to live and I do have receipts! They promised us before XXXX but as we called today XX/XX/XXXX, we now will not receive it for 2-3 days! I also will not receive the full amount to complete porch until we go thru all of this again! I am tired and sick of waiting! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But this has been an amazing waste of my time. I am trying to file an complaint against NewRea / Shellpoint for their handling of this matter. We have spoken to almost I think all the employees, they do not allow one person to work on a case. So we talk and say the same speech every time we call. Rude, expensive, and not caring employees do not care about an XXXX XXXX XXXX XXXX WAITING!! Please file this complaint against the Mortgage Co. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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
Product: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CREDIT COLL XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


CREDIT COLL XXXX
Product: Checking or savings account

USAA bank has frozen access to my checking accounts., I am unable to make withdrawals or access account statements. The representatives state that the reason is that I have failed to fill out personal information required by U.S. law. However, the information and forms they request is not required by law. They are lying to me and to their customers. They have no right to freeze my accounts. 

Further, this issue has arisen before. At that time, I withdrew all my money from USAA. They then backed down and reinstated by accounts and gave me access. So obviously they do not need this information and these forms, they just want them.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/ American Eagle is reporting some lates on my credit file. These lates are for the months of XX/XX/20, XX/XX/20. During this time i was out of a job due to COVID and was un able to make these payments. I had this account for a long time and this account was unfortunately closed, i am assuming due to the delinquency but again that was completely out of my control as i was severally financially impacted due to the pandemic. I am requesting SYNCB remove these lates from my credit file. It was not my intention to be late but had no control over the situation. I tried to find other ways to make income through this difficult time and it was impossible to find anyone hiring during that time.
Product: Credit reporting or other personal consumer reports

This account and inquiry are not mine they was made without my permission, consent. Inquiry and account. Synchrony Bank TJ Max Inquiry : XX/XX/XXXX, XXXX is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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
Product: Debt collection

I paid off a credit cell phone bill for XXXX in XX/XX/2012. Since XX/XX/2012 this bill has been passed around and opened in my credit report by different collection agencies. I have had to dispute 3 times with XXXX and the debt was removed and now it is opened up again on my XXXX report by a new collection agency. On top of all of this I am being harassed and called.
Product: Debt collection

This was a misunderstanding a couple of years ago I actually went to their office in XXXX Michigan and they refused to help me with this issue they told me basically it was my problem they refused to write you guys a letter or write the company that is collecting a letter stating I owe them nothing more than my monthly bill I do not owe them any money I will go down there again speak with the manager and record the conversation and they will not do a thing to resolve this I asked them to call the credit card company or XXXX XXXX and they told me it 's my problem well they said they need to talk to while wow says another another thing I 'm getting really tired of this and it 's going to get very aggressive very quickly my phone number is XXXX my name is XXXX I want this resolved now by Monday morning I would like a phone call and this resolved or I will get a lawyer involved with wow. They are worse than XXXX when it comes to building in customer service
Product: Credit card

I recently had XXXX unauthorized balance transfers appear on my Regions Visa credit card statement. XXXX transfers were from XXXX and XXXX from XXXX. I do not have a XXXX or XXXX card or account. XXXX credited one charge but not the other one. The first transfer occurred from XXXX on XX/XX/2017 in the amount of {$2600.00} plus a transfer fee of {$79.00}. The next transfer from XXXX occurred on XX/XX/2017 for {$2400.00} with a transfer fee of {$73.00}. This transfer was credited back on XX/XX/XXXX. XXXX made a transfer on XX/XX/XXXX for {$1500.00} with a fee of {$47.00}. I made a complaint with Regions and received today a notice stating they found no error and are not correcting the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, pursuant to the FCRA, and provided the notice required by law, requesting that the credit reporting bureau investigate and remove unauthorized inquiries from credit report. 

Instead of properly investigating the matter and requiring the creditor ( s ) to provide documentation to substantiate that the creditor ( s ) provide the mandatory documentation that substantiated that the creditor ( s ) had legal authorization to access my credit report, Experian, merely responded with a letter ( Report # : XXXX ) that did address the matter of the unauthorized inquiries that they were requested to investigate and did not remove nor provide any evidence that would remotely suggest that they engaged in a proper investigation, as they are required to do by law, much less, that Experian, had obtained proof from any of the creditors, named in my dispute, that would prove that the creditor ( s ) had obtained authorization from me to access my credit file as the law requires. Therefore, Experian is in violation of federal law by continuing to report these unauthorized, illegal credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter in regards to off base and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a response at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased expeditiously. I request that these records be erased promptly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.