23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Got email supposedly from XXXX saying a charge looked to be fraudulent, did not click link in email. I signed into XXXX and a note popped up to decline charge also a phone number to call to verify. Called number and the person ended up freezing my computer and adding a XXXX account on my BofA account and sending payment of {$490.00}, I got notice on my phone of transaction questioned it and he got irate that I was checking my account on phone, before I could delete the XXXX account he transferred another {$390.00}. Reported to BofA and they did a complaint, but all they did was ask the receiving bank to return money, they declined so my request was denied.
Product: Prepaid card

I was trying to use the card on XX/XX/XXXX at XXXX for approximately {$200.00}, with a card with an available balance of {$370.00}. The purchase was declined. When I spoke to customer service I was given the run around and told the merchant was declining the transaction. I then went a used the same type of card with a different card number at that merchant and the transaction when through so this was not a issue with the merchant it's American Express blocking a large transaction. On their website it says the card needs to be used at an online merchant that asks for the number, expiration date and security code which XXXX does. This means American Express is just arbitrarily blocking the use of my money and telling me how and when I can use it. They are stealing people 's money and it is not ok. 

*EDIT : I just tried to use the card online for a lesser amount and it was approved further noting it is not the merchant it is American Express setting unrealistic guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$21000.00}, {$0.00}, {$11000.00}, {$0.00}, {$6900.00}, {$1200.00}, {$4800.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

3. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

4. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

8. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit card

I received an email that there was a hard inquiry on my credit. I did not apply for any new credit cards so this was scary to me. I looked it up and sure enough I was getting a capital one venture card that I never applied for. Ive called capital one, but I have no idea how they received my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX & XX/XX/XXXX I was denied and furnished with 2 hard inquires. I was falsely misled and deceived into applying by advertisement with deceptive emotional ploys by email and physical mail as well as advertisement through XXXX and I was not given proper disclosures about hard duplicate inquires. I feel very discriminated upon.
Product: Credit reporting

I dispute the following accounts below on XXXX XXXX, 2015 and XXXX XXXX, 2015 directly with Experian and they failed to mark these accounts as in dispute. 

There are two possible violations here of the Fair Credit Reporting Act. 

1. They ignored my dispute and failed to conduct a reasonable investigation. 
2. They contacted the furnisher of the inaccurate information and failed to mark the account as in dispute. 

XXXX XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as 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. 


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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

Owed a certain amount was asked to pay a percentage to clear my debt and I did so.
Product: Student loan

Hello, I have been having an issue with getting a recount of my qualifying payments for PSLF through FedLoans. I was employed by XXXX XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX with no gaps in my employment and consistent on-time payments. 
Payments between XX/XX/XXXX and XX/XX/XXXX are not being counted towards my qualifying payment. Fedloans has counted that time period as a gap in my employment despite phone calls and emails trying to correct this. 

The issue is I was on XXXX  leave during that time period. I was given wrong information by the initial FedLoan employee I spoke to who told me to submit two different Employment Certification forms to exclude the time I was on XXXX leave. I listened and initially submitted two different forms, leaving a gap from XX/XX/XXXX-XX/XX/XXXX for my XXXX  leave even though I was still employed and making payments during that time. I later did my own research and spoke to a different FedLoan employee who said that my XXXX  leave counts towards my total qualifying payments because I was still employed and making payments. I resubmitted my corrected Employment certification form to FedLoan at least two times, both times they said they would correct the count. I just received a second recount that still does not count the payments made during my XXXX leave and shows a gap of employment which is incorrect. 

Additionally, I submitted my first employment certification form in XX/XX/XXXX. It then took 4 months for Fedloans to process and consolidate my loans. So, the payments I made during that time are not counted toward my payment count. The 4 month period for consolidation was not under my control, is there any way for these payments to be counted? 

Please help!
Product: Debt collection

I previously filed a claim against this company ; claim number XXXX. The creditor responded, but not correctly. The creditor said I didn't sent them a request for debt validation. I've uploaded/attached my debt validation request letter dated XX/XX/, 2021. To date, I haven't received a response to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Capital One Auto Finance is not updated my account with the 3 Credit  Bureaus since XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment has not been updated as paid and current
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on most recently XX/XX/XXXX and XXXX. I was told that I could go their website to remove the alert which on 5 occassions I am given an erroe code that it cant process my request at this time. 
I have called on 5 occasions as well and was told that the representative cant remove the alert due to an computer error.

I have never instructed Transunion to place an alert on my credit file!

This has caused me two incidences where I was denied credit because my cerdit file could not be accessed!

I was told to send a letter with a copy of license, social security and proof of current address which I have done on two occassions and have attached here as proof
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has detrimentally hurt my reputation by reporting and exhibiting false/misleading information to my consumer reports - totally disregarding my consumer rights and also the consumer laws to which they are governed. 

I have tried to resolve this issue with this reporting agency on multiple occasions with certified mail and notarized factual documents. 
XX/XX/2021 XX/XX/2021 XX/XX/2021 **And I have kept a copy of all mail/documents for legal proceedings. 

I am also truly hurt that I have tried to resolve this issue with you all, the CFPB, as well and unfortunately you all have not yet held them accountable for total disregard of consumer rights and laws. 
XX/XX/2021 This info is exhibited by violations in my attachments. 

Enclosures : - Laws violated - Affidavit of Truth - notarization - Invoice to be paid by XXXX for each violation of my consumer rights ( {$5000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion consumer solution does not want to remove inquiries that do not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX  XXXX, was never late! I have had exceptional payment history with XXXX, XXXX XXXX, and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX, XXXX XXXX, Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, XXXX XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers, but has allowed for repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

( 1 ) 15 usc 1681q- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We switched insurance companies. XXXX XXXX sent us the refund instead of sending it directly to Mr. Cooper which put our escrow at a shortage of {$2300.00}. On the website it says pay this amount in full to keep your payment the same. As soon as we received the refund I went online and made an escrow deposit of {$3300.00}. I sent extra money in case there was something we missed. My mistake was to not apply it to the shortage myself? I thought making the deposit and shortage payment was the same thing. We asked for the escrow analysis to be reran and they did but now it says that our shortage is higher, XXXX. When we call, we continue to get different people and different answers. They told my husband on XX/XX/year> that our payment would be going down to {$1800.00} and that someone was going to call him back but we did not receive a call back. Now I called back today and they said that they did apply our deposit and it is correct that the mortgage is higher. We can not get anyone to actually help us and I feel like that {$3300.00} payment into the escrow account was never applied to the shortage correctly.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue regarding an unauthorized hard inquiry on my credit report. The inquiry in question is from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

I have not provided any authorization for such an inquiry, and I believe this action is in violation of my consumer rights. I request your assistance in investigating this matter and facilitating the removal of this unauthorized inquiry from my credit report. 

Please find the details of the unauthorized hard inquiry below : Creditor : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I kindly ask for your prompt intervention in resolving this issue and ensuring that my credit report accurately reflects only authorized activities. 

Thank you for your attention to this matter, and I appreciate your assistance in rectifying this situation.