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

I sent in letters regarding inaccurate and unknown things on my credit report on XX/XX/2023. To this day, almost 60 days later, I have not received a response yet. My information was included in the XXXX XXXX XXXX. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. According to 15 U.S Code 1681s-2, 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. According to the law, a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Capital One, XXXX, has violated my rights. 
XXXX, XXXX, XXXX, has violated my rights. 
BEST BUY/XXXX  XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$940.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$77.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Balance : {$320.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$1900.00} ; DP OFEDUC XXXX Balance : {$4600.00} ; DP OF EDUC XXXX Balance : {$2300.00} ; DP OFEDUC XXXX Balance : {$410.00} ; DP OF EDUC XXXX Balance : {$7300.00} ; DP OF EDUCXXXX Balance : {$6200.00} ; DP OF EDUC XXXX Balance : {$6200.00} ; DP OF EDUCXXXX  Balance : {$2600.00} ; DP OF EDUC XXXX Balance : {$3100.00} ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have 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  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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.
Product: Debt collection

This company MEDICAL BUSINESS BUREA hsd three accounts affecting my credit score i dont recognize. Never seen a statement yo see what they are trying to collect. I just became a resident so my social security number is new. Im just starting ny credit in this country and is already bad because of this. They just say i owe this and need to be paid. When i look for the address I've never been in that location they claim to be charging me. I did go to the hospital. The bill was very different a higher amount but when i was released from the hospital since i dont have money to pay for it specially at the moment they told me those XXXX were paid by a non profit organization ( XXXX XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

I am 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. My apple pay has been shut down due to zelle as well as other issues such
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ONE MAIN XXXX, XXXX Dear : ONEMAIN Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances. 
surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Money transfer, virtual currency, or money service

Hello, I have experienced fraud in my Chase Checking account. On XX/XX/2019 a transaction of {$1800.00} transferred from my account through the XXXX money transfer system on XXXX. The amount was sent to someone named XXXX XXXX. I do not know who that is and I did not authorize that payment. I have filed a dispute claim to XXXX 's fraud team but they have denied it by saying according to their investigation, they can not prove fraud. But they are not taking into account the fact that another fraudulent tried to go through right after that transaction for the amount of {$1900.00}. For that amount, XXXX sent me an alert asking if I authorized it and since I had not, I denied it. XXXX refused to see that similar amounts were tried to be taken out within the same time frame and being sent to people with similar names. All money transfers I do on my account are to family members. You can clearly see that on my account. Also, I have been a member for over a decade now. If they were to analyze my account holistically then they could see that I have been on good terms with Chase all these years. 
On top of this fraudulent activity on Chase 's account, I have had other instances that have led me to believe my identity has been compromised. I have closed a lot of my accounts and placed fraud alerts on everything and froze my credit. I am terrified that another hack is going to happen that is going to compromise my identity further. But when I am telling all this to Chase 's fraud team they are refusing to listen at all. They keep repeating the same line that they have investigated and they can't prove that this is fraud. They are refusing to see it holistically or even to hear about my struggle. I don't know what else to do. This incident shows that there is a deficiency in Chase 's systems and also in the XXXX Payment system. Unfortunately, they are not giving this a thought at all. If this happened to me and Chase is not willing to investigate it further then they are giving power to the thieves who are getting away with stealing money from hard working Americans. As one of the leading financial institutions, Chase should be doing more to listen to the customers and their plight rather than training their employees to just repeat what's on their screen. Please help me understand what I should do next to get my money back and how to put those thieves behind bars.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 CAPITAL XXXX XX/XX/2023 CAPITAL XXXX XX/XX/2023
Product: Mortgage

My wife and I have our mortgage with CMC funding ( XXXX ) after we refinanced over the summer. Our first payment was due in XXXX After we made the payment, I called the company in late XXXX to set up biweekly payments to be made. The representative I spoke with set up up for the incorrect amount which I realized when I received a paper copy about 8 days later. Start date was supposed to be on XX/XX/XXXX. I called again and set up the biweekly payments again with a new representative with the start date of XX/XX/XXXX. He told me that we would no longer have to make the monthly payments. 

I began receiving calls from the number listed above this past week but no voicemail was left. I finally searched the number after 2 calls in the same day ( XX/XX/XXXX ) and realized it was our lender. I called them back and the representative informed me that we had not made our XXXX payment yet. I informed him of our biweekly payment that we set up in early XXXX. He stated that the previous 2 representatives did not set that up correctly and would need to be cancelled. He then said if I would want to set up the biweekly payments I would need to prepay my mortgage 45 days out which would mean paying both of the XXXX and XXXX payments now ( which neither representative previous informed me of ). I asked him XXXX on a recorded line ) that there was supposed to be a debit on XX/XX/XXXX and he assured me it would not occur ( on my call today on XX/XX/XXXX the representative informed me that it needs to be done 3 days previous to the draft which the representative on XX/XX/XXXX did not state ). I checked my banking account this morning and it did occur. I just called them today and asked for a refund of my money and the representative said it would take up to 3 weeks for the check although they had debited my account previous to XXXX on XX/XX/XXXX. He stated I could use that payment as a credit to my account for the XXXX payment. I am unsure if they will actually do this or not though and will probably have to call again. I also asked to speak with a manager while we were on the phone and he would not do this and stated that one will " call me back. '' Todays representative also said I could pay my XXXX payment now over the phone ( but did not state that there is a {$12.00} fee associated with this that a previous representative informed me of ). 

When I spoke with a representative on XX/XX/XXXX I asked why they do not leave a voicemail and was informed that " anyone can listen to those so they do not want private information being intercepted. '' I do not have their number in my phone so I comes up as a unknown number. Personally I feel this is a predatory practice as the consumer does not know their mortgage company is attempting to contact them. With all my encounters with this company I have noticed several " predatory '' like practices that they are. There is no accountability on there end as if we do not pay them, they have the ability to foreclose our house.
Product: Credit reporting, credit repair services, 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I became a XXXX XXXX XXXX XXXX XXXX opened a side business to do my XXXX XXXX I got everything set up, and unfortunately, PayPal was one of those things that I figured would be good for taking payments since everything is digital now. ( I was so very, very wrong ) I set the account up back in XXXX. In XXXX, I inherited XXXX collector 's edition books. I didn't have the room and I didn't want them, so I sold them. 
PayPal is SOO great supposedly, and so trusted. Did you know that they had a class action lawsuit filed against them at the beginning of the month? Violations of consumer-protection laws and antitrust laws? I'm trying to feed my kids and get by, yet I'm performing high-risk transactions ( by selling books ) and now the money I needed to feed and take care of my kids with is being held XXXX by PayPal, and they're refusing to close the account. The XXXX XXXX XXXX  has been contacted about this and I'm about to hire a lawyer. 

PayPal is playing " you gave it to me, so it's mine now and I'll give it back whenever I feel like it ''. Really, go read the reviews on The XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because DISCOVER FIN SVCS LLC, XXXX, XXXX, and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. Thank you!
Product: Mortgage

I have a mortgage through Wells Fargo VA loan and it is currently in a suspended foreclosure status right now. I missed a couple of payments but immediately contacted them to explain the situation and look for help. I was assigned a " specialist '' who literally did n't help us resolve anything. I eventually contacted the company customer service and worked with just about anyone willing to help me to learn what documents I needed to send it to get the process moving along. All in all- I am on the XXXX specialist. I ca n't send in any payments. I get a run around at every turn. The debt just keeps growing. I have been TRYING to work with them since day 1. Contacting them, sending in documents, taking phone calls ... .than being given a new specialist all over again. I am currently XXXX payments behind. Unable to send in new payments. And fighting to keep my home, but I do n't know our rights. Our current specialist will not give me any information of someone above him to work with us PLEASE HELP!