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

Per FCRA as a federally protected consu

mer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and non-verbal per 15 USC 6802. In accordance with the Fair Credit Reporting act. The List of accounts and addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ( AN ( 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

XXXX XXXX XXXX XXXX XXXX Domestic XXXX and Identity Theft Victim in offense of identity theft ; which prohibits " knowingly transfer [ ring ] or us [ ing ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ).

-Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C . 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties -- in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture.

Other Violations : Fair Credit Reporting Act The Privacy Act of 1974 15 U.S.C. 1681 g ( e ) Identity Theft and Assumption Deterrence Act Ala Code 13A-8-190 Ala Code 13A-8-193 Ala Code 13A-8-194 & 195 Ala Code 31-13-14
Product: Checking or savings account

I had in my Money in my Savings .We did not know there was a Check from XXXX sent to our account.We did not even know.The Money came and went out the same day another account of Our 's than the Money from that account was gone everything in one day. 
Chase said sorry but it was not there fault. We called XXXX because it was draw under XXXX the Check made to XXXX XXXX but it was not me or my signature on the Check. 
They also refused to help us. They froze my accountswithout letting us know.They telling us it was a fake check one for {$3000.00} and one for $ XXXXobody wants to take the blame .Large amount both banks should have verified the checks called us but nobody did. We need help to get our {$5500.00} back. Is my money somebody is responsible either Chase or XXXX. I am very upset. This caused big problems between me and my Spouse. 
Please help us.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also, according to 15 USC 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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against XXXX for failing to conduct a proper investigation of my disputes regarding inaccuracies in my credit report. Despite submitting multiple disputes over the past [ specify timeframe ], I have consistently received responses within XXXX hours stating that the account in question is accurate, without providing any evidence that a thorough investigation has been conducted. 

This practice is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires that credit reporting agencies conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. XXXX 's actions, which involve closing disputes without any substantive review or supporting documentation, fall short of meeting the statutory requirements for a proper investigation. 

Furthermore, I believe that XXXX 's actions may also violate the Consumer Financial Protection Act ( CFPA ), specifically 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which the Consumer Financial Protection Bureau ( CFPB ) has reinforced in its recent proceedings regarding inaccurate credit reporting practices. The failure to conduct a reasonable investigation into my disputes, coupled with the lack of transparent evidence of any real investigation, undermines my rights under both the FCRA and CFPA. 

I request that XXXX provide me with a detailed explanation of the investigation process, including : The methodology used to verify the accuracy of the disputed information. 
The specific evidence considered during the investigation. 
The reason why my disputes were closed without any meaningful review. 
If this issue is not resolved promptly and satisfactorily, I will consider further action, including submitting formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing any additional remedies available under the law. 

I expect a response from you within [ reasonable timeframe, e.g., 30 days ], including a clear explanation of how you will resolve this matter in accordance with the FCRA and CFPA. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violation here
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Citi sent me a new card around XXXX of 2023. I was traveling so didn't receive the card. When i came back home, i didn't find the card in my mailbox and found out CITI closed my credit card account without any explanation. Ever since i contacted CITI cards multiple times to give me my cashback thankyoupoints which amount to some XXXX dollars. They always make different excuses. Once i was told by the customer agent that the check is sent but i never received it.
Product: Student loan

Many times since XX/XX/XXXX loan off forbearance and due to various messages and harassing phone calls to me and co-signer who is my mother we are not being heard. No options to repay loans at lower amount or release my mother as co-signer. She is on XXXX for last several years and has had many medical issues which are ongoing. During time loans were taken out my father also passed away and loans were based on his income. This has all been relayed to Discover Student Loans and asked to stop calls, etc. which have still not stopped. I offered to pay about {$50.00} each month, but they are not happy with this. Loan apparently is listed at default now. 
Will not see if hardships or changes can be made and state they do not do this for anyone. Mentioned what if someone sick or dies and would not answer this question. Even when I called XX/XX/XXXX and others times and mother XX/XX/XXXX, XX/XX/XXXX. Started calling XX/XX/XXXX to resolve or get help. 
Feel they are using this tactic to threaten us. I can not get by with all my other bills to pay the monthly bill. Put this in writing asked asked to handle by higher up department or CEO and they would not confirm who has read the letter.
Product: Checking or savings account

Subject : Formal Complaint Against Global Holdings LLC to Consumer Financial Protection Bureau ( CFPB ) To the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Global Holdings LLC regarding significant unauthorized transactions and mishandling of funds from my account. As of XX/XX/year>, Global Holdings LLC holds an unauthorized balance of {$1900.00}, which represents the entirety of funds in my account due to their mishandling and loss of an additional {$6500.00}. Despite repeated attempts to resolve this matter directly with Global Holdings LLC, they have not provided satisfactory explanations or remedied the situation. Their actions have caused substantial financial harm and are clear violations of consumer protection laws. I urge the CFPB to investigate this matter promptly and seek restitution for the total amount of funds unlawfully taken and mishandled by Global Holdings LLC. 
Global holdings has many shell companys XXXXXXXX XXXX XXXX being one of them.
Product: Debt collection

In XXXX, XXXX, I received a Earnings Garnishment from the Kohn Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to Kohn Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day Kohn Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, XXXX XXXX filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the XXXX XXXX Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that XXXX XXXX had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. Kohn Law Office states they were hired by XXXX XXXX to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?
Product: Debt collection

Repeat ly calls 7 days a week 6 times a day for months this is my work ph and I asked to stop and they refuse and I am not even behind I have XXXX payments left
Product: Credit reporting, credit repair services, or other personal consumer reports

OPPLOANS are inaccurately reporting on my consumer file with XXXX and XXXX. This account was taken out fraudulently in my name. They are coming back saying accurate which it is NOT. They are in violation of my privacy as a consumer of the FRCA. My bank has closed the account linked to this activity. I have disputed this information more than 3 times and it is not verified correctly. This company is in violation of code 15 USC 1861i. of the FRCA. I am going to pursue legal action against this company if they do not remove the account and stop reporting on my consumer file.
Product: Checking or savings account

I am writing this complaint in regard to COMENITY BANK. COMENITY BANK is reporting an account on my consumer report as reflected on all 3 consumer reporting agencies ( XXXX, XXXX, and XXXX ) that was sold to a debt buyer. I have sent a notice of dispute to COMENITY BANK, and they ignored it which is a violation of the Fair Credit Reporting Act. There are two accounts reporting from COMENITY BANK that was sold to a debt collection agency by the name of XXXX XXXX XXXX. COMENITY BANK is improperly and wrongfully using my consumer report and it is damaging my reputation. I have taken notice that XXXX XXXX XXXX, the company they sold the accounts to has a track record of abusive and deceptive behavior towards consumers. I discovered this by looking at the many lawsuits brought against XXXX XXXX XXXX. COMENITY BANK is violating the Fair Credit Reporting Act as it pertains to " accuracy and fairness '' of credit reporting. There are currently 4 of the same accounts being illegally reported on my consumer reports by both PORTFOLIO RECOVERY a debt collection company and COMENITY BANK. This action is misleading and a violation of the Fair Credit Reporting Act. It is my understanding that since COMENITY has sold the accounts as stated in the comments of my consumer report " sold to another lender '', that they must remove the accounts that THEY are reporting to my consumer reports since the accounts they have been reported now belongs to another company. This behavior has both assassinated my character and damaged my reputation. This behavior is not only abusive, but deceptive and disrespectful as it is affecting my livelihood. As it stands, I am unable to get approved for a new home for my family because of this issue. This behavior constitutes a violation under 15 USC 1681s-2 ( a ) and fraud pursuant to 18 USC 1001 ( a ) for intentionally reporting false and invalid information on my credit reports. This account is now owned by a debt collector and must be removed from my credit reports by COMMENITY BANK otherwise this issue is grounds for legal action as permitted by law for damages per 15 USC 1681n Civil liability.
Product: Student loan

I paid my payments monthly for years, my account did not seem to be going down, I asked for a monthly history, I was told they could not give me a monthly history past back 1 year. 

Eventually, I paid off that set of loans for my XXXX. I am now paying on my XXXX XXXX it would be nice to receive a paper statement, illustrating my balance. When my loan was transferred I asked for a copy of my payments once again they said they did not have the back payments information, XXXX only knows if they are applying my payments correctly. 

Also XXXX charged additional fees towards my school loans, after I had finished my XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX various major data breaches across several industries were revealed including a XXXX breach of equifax, I changed all of my passwords and attempted to secure my data XX/XX/XXXX An identity thief utilized my personal information to open an account without my consent or knowledge XX/XX/XXXX I received notification of an account that had been opened and had payment due ( {$3700.00} and {$500.00} ), I immediately called and notified them that this was identity theft and demanded the account be closed and voided. I requested confirmation of both in writing. 
XX/XX/XXXX Received another set of bills, called again and was told that previous call had been recorded, the account was closed and the bill was sent in error. Again requested documentation in writing and was told this would be mailed out. 
XX/XX/XXXX - submitted an identity theft report XX/XX/XXXX novel corona virus stay at home orders started in my state ( PA ) and I did not immediately notice that I had received nothing in writing from XXXX XX/XX/XXXX Received notice that my credit score had changed, immediately noticed a collections account that did not belong to me. Filed disputes with all major credit agencies, am again reaching out to XXXX to correct their issue and remove this unlawful account XX/XX/XXXX - Sent identity theft dispute letters to both XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX - Received notice from Equifax and XXXX  that they would not be treating this as identity theft and would remain on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times with all the credit reporting agenciesand with this company to get my credit report 100 % accurate! This is extremelyfrustrating and not fair that neither of these companies are helping me inany way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicatewith this company and each of the credit reporting agencies. I will ask you one lasttime to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!
Product: Credit reporting or other personal consumer reports

According to the CFPB Experian, XXXX, and XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. The pending lawsuits are disheartening, I am a federally protected consumer with a lot to lose due to your negligence. Please do your job and vet the information before you allow a company to report negative accounts without the consumers consent. 

According to IRS regulations, any debt over {$600.00} that is charged off requires the creditor to issue a Form 1099-C. Therefore, I am formally requesting a copy of the 1099-C that your company issued for the charged-off debt listed on my consumer report.

Income is not allowed on a consumer credit report Please see the attachment!!!
Product: Mortgage

On XX/XX/XXXX, I sent a certified post Covid-19 Forbearance Mortgage Modification request package to Bank of America for my home loan . ( See attached for copies ) It contained the following : 1 ) request to provide me with the necessary paperwork to file a partial claim for my FHA backed mortgage.

2 ) request for assistance to complete the loss mitigation application and receive a full loss mitigation evaluation.

3 ) Request for further assistance as well to complete the paperwork and address my previous requests 4 ) Request for BofA to exercise reasonable diligence to complete the application before the end of the forbearance period.

5 ) A complete mortgage modification request form, physical copies of a full and complete financial packet of my income for the entire years of XXXX & XXXX, my tax records for the years of XXXX & XXXX, my bank account history for the year of XXXX, all utility bills for the year of XXXX, as well as all historic communication with Bank of America XXXX XXXX XXXX XXXX, CFPB, HUD, FHA, and XXXX XXXX XXXX for the years of XXXX. 
On Monday, XX/XX/XXXX, I called Bank of America at the number I was instructed to by XXXX XXXX XXXX to validate my mortgage modification packet was received and being processed, and was told I was not allowed to request a post covid 19 forbearance mortgage modification. ( conversation recorded )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reveiwed a current copy of my credit report and show inaccruate information. Account name XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account numberXXXX. is showing as a collection/chargeoff with and open balance of {$750.00} and I understand this is a direct Violation of FDCPA. I understand a charge off account must report {$0.00}. I have disputed this account on a number of time and no reply has been given and its been more than 60 days. Which is a violation of FCRA. Please delete account.
Product: Credit card or prepaid card

I am concerned that I am being targeted due to being a minority and my credit limit has been decreased without notice the second year in a row. I have not missed a payment with Discover and have been keeping my balance at 50 % usage for some time now. I attempted to use my card today and it was declined and when I checked my balance online my card limit has been not only reduced but caused the card to be over the limit. This action is not only unfair because of the harm it can do to the credit score but it was extremely embarrassing not to purchase items otherwise I would have been able to. I spoke with a representative on XX/XX/XXXX19 at XXXX in which I was told the department that would be of assistance opens at XXXX. I called back and spoke to the department that was told could be of assistance at XXXX and they informed be that the credit line was decreased and the notice is still in the mail. Unfortunately, they were not helpful in resolving an ongoing issue that I believe is directed towards minorities. Again, I have not missed a payment since I received the credit card and to be treated in this manner is completely unfair.
Product: Credit reporting or other personal consumer reports

I sent letters to each credit credit bureaus ( Experian, XXXX, XXXX ) with a notarized copy of my ID, Social Security Card, Bank Statement, and all updated personal information. I requested that my Credit Report be updated, to reflect accurate personal information. Also, that each Credit Bureau Delete any erroneous addresses, and listed jobs. Each letter was sent Certified Mail on : XX/XX/2023 Tracking Number for Each Letter : XXXX, XXXX, XXXX, I just recently checked my Newest Credit Report, no corrections have been made in the 30 days allotted tho the Credit Bureaus, nor has any contact been made
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not allowed to log into my Equifax account. 
I am 100 % sure that I used correct login information, but still I got blocked. 
My guess is somebody else might obtained access to my account and might have changed my real user ID/password. 
Also requests for credit report to Equifax coming back with weird content- such as there was no credit score available. I have had plenty of accounts, loans, cards over the last 20 years etc. and that is simply not logical.
Product: Mortgage

Remodification of complaint ID # XXXX, a sale date on my house had been XX/XX/2019, and there is a portion of four-page of my attorney motion to vacate the final judgment, and the balance is needed it would be sent. 
XXXX XXXX.