23daVinci/CFPB_Complaints huggingface dataset:
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 confidentially under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # 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 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 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 adverse itemo of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s2 ( 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I discovered a bank account that was opened using my personal information without my consent showing as paid and closed. Also on XX/XX/XXXX and XX/XX/XXXX, I discovered a collection company wrongfully reporting against me in the amounts of {$860.00}, {$1600.00}, and {$1500.00} showing as collection account past due as of XX/XX/XXXX.
Product: Debt collection

This debt is invalid. The account was put on hold with the medical service provider while the provider reviews the account with the health insurance provider. I have spoken with the business office for the service provider ( XXXX / XXXX XXXX ) and they have confirmed that no account in my name has been sent to a debt collector. I have repeatedly advised the debt collector that the debt they seek to collect is invalid, disputed the collection, requested proof of the debt based on their information and asked them to stop calling. They continue to call.
Product: Debt collection

Telephone bill from XXXX sent to Diversified Consultants ( DCI ) for collection while I was disputing the amount owed. I was contacted by DCI and again, I notified them the amount owed was inaccurate. Eventually, we agreed on a settlement amount which was verified/confirmed via letter from DCI stating the terms of the agreement. Payment plan was arranged and agreed upon to settle the debt in 3 monthly payments. I was told if I agreed to automatic payments, no further action would be taken. therefore I agreed to ACH debits from my account. 1st payment was submitted at time of agreement, 2nd payment withdrawn from my account one month later ; however, 1 day prior to 2nd payment being withdrawn, DCI submitted this account as a collection on my credit report, which, in effect, caused financial harm by preventing me from closing on my home which was in escrow at time of occurrence.. I have spoken with XXXX different 'managers ' at DCI whom responded they will only update the entry to 'Account in Dispute ' which of course does n't change anything and is of no benefit in rectifying this situation..
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several phone calls to Equifax through out the month to try and explain my situation in detail. After several hours of being on the phone nobody from Equifax was able to point me into a direction to get this resolved. My current situation is : Equifax is reporting my twin sisters information which is preventing me from qualifying for any type of loan. Me and my twin sister have a very similar social security number as well as the same address and the same initials. With the personal information being my sisters, all the accounts ( closed and open ) are my twin sisters as well. The lender that I am working with for a mortgage pulled from XXXX and his results also have my twin sisters information. I am pulling my information through myequifax.com. XXXX as well as XXXX have all of my information reporting correctly. As of XX/XX/2022 I have filed 15 disputes on my credit file through my equifax.com. I called and talked to equifax multiple times they state that my information is correct but clearly this isnt accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}
Product: Credit reporting or other personal consumer reports

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. XXXX, Experian and XXXX companies are unlawfully reporting an unauthorized inquiry on my consumer report. They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). I have not initiated any transaction with the following accounts : XXXX XXXX XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both.
Product: Mortgage

On XXXX I had an initial discussion with an agent from Quicken Loans. During our discussion, I told the agent that I was interested in having an introductory conversation about refinancing my home loan. He asked to look check my credit, and I said ok. I figured since this was an early conversation only a soft pull to see my scores would occur. I was not under the impression this would be a hard pull on my credit report. As it turns out it was a hard pull and was reported to XXXX XXXX. 

I had a conversation with the same agent on XXXX and told him I was not ready to move forward as I mentioned on XXXX and I wanted to wait for my current mortgage statement. 

On XX/XX/XXXX my credit was pulled again by Quicken Loans without me being aware. This time it was pulled and reported to all three credit burrows. 

On XX/XX/XXXX I checked my credit report and saw all of this information and my credit score took a hit for 6 points. 

I feel that it should have been disclosed from the start what pull would be occurring on my account. If I would have known it was a hard pull, I would not have continued any conversation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute, 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 Indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and Transparency is unacceptable And raises serious concerns about consumer safety.
Product: Checking or savings account

opened new account with 5/3 bank on XXXX XX/XX/XXXXXXXX  with XXXX. 

Opened account with promise of {$500.00} bonus if that amount of money is deposited into account. 

Had to take money from another one of my accounts to deposit sum of XXXX into the new 5/3 account. I explained this to bank clerk. 

On advice from bank clerk XXXX XXXX at the XXXX XXXX, FL branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX she told me to write a check for that amount knowing I did not have the funds, but since it was a friday funds would not be taken out of the account until Monday- her words from the account in which I was writing the check from to fund this new account. 

However, 5/3 bank took the funds out that day, causing the check to bounce and charging me fees. XXXX did fix that situation and told me that everything was fine. 

However, I have still not received the {$500.00} bonus. Upon investigation, XXXX said it was because I had that bounced initial funding and which caused my account not to be in " good standing '' and I was disqualified from the bonus. However, I acted upon her advice and instructions. I feel the bank is cheating me out of the bonus on a technicality. The funds did make it and posted on XX/XX/20 and have been there ever since. 
I would like the bonus.
Product: Mortgage

1. Bank of America ( BOA ) serviced my loan from XX/XX/XXXX through XX/XX/XXXX. 

2. On or about XX/XX/XXXX, BOA acquired HELOC from Countrywide Home Loan. 

3. On XX/XX/XXXX BOA transferred beneficial rights to XXXX XXXX XXXX XXXX. BOA must provide a copy of the original promisory note and copy of the endorsement verifying the assignment and the transfer of the note. 

4. BOA refuses to provide the documentation and after 30 days does not give any documentation sought in 3 complaints with lats 4 digits XXXX, XXXX and XXXX rather all 3 complaints remain unanswered. 

5. I am filing the complaint to CFPB Ombudsman to intervene and resolve the issue.
Product: Debt collection

I had an on the Job Injury. XXXX did not pay {$700.00} while I was going to XXXX XXXX XXXX XXXX. XX/XX/XXXX It was sent to Ray Klein Inc. dba Professional Credit Service. I was then put on SSI. 
XXXX XX/XX/XXXX Ray Klein Inc. dba Professional Credit Service Garnished my savings from an out of XXXX Credit Union for {$1400.00}. I spoke to An Attorney XXXX XXXX an was told this was illegal. 
Spoke with XXXX XXXX employee of Ray Klein inc. dba Professional Credit Services he said to fax copies of bank statements showing my SSI direct Deposit and copy of Bank statement showing where I sent the deposit into savings. I would be refunded. I did send copies. I am contacted by XXXX XXXX Ray Klein employee dba Professional Credit Service she asked for the same thing I refaxed paper work. I told her I want a " Refund '' of {$500.00} for the reimbursement of my SSI she said it would have to be a Loan I would need to make payments on. Now they have all my Bank info an I have to change to a XXXX card instead of a bank so they wont have my information. I have been lied to regarding this and I Want my monies back.
Product: Mortgage

I had a second mortgage with Nationstar that was removed through a chapter XXXX bankruptcy. The lien was removed and the recorded document of the lien removal was sent to me. When I go on to my Nationstar account, for my 1st mortgage I still have with them, unfortunately, I see the information listed below. When I call the collection company, they tell me yes the lien was released. " Do n't worry about what you see on your Nationstar Account, only you can see it, no one else. No one has ever called before about this. '' The customer service man also told me that the collection agency listed below is a subsidiary of Nationstar ( Nationstar IS a collection agency! ). I asked since they are related, would you please communicate to them to remove it. He told me he can not do that. He told me not to worry about it since it is no longer on my credit report - how did he know that? 

YOUR ACCOUNT HAS BEEN CHARGED-OFF AND HAS BEEN PLACED WITH XXXX FOR COLLECTION OF THE OUTSTANDING BALANCE. 
Note : the charge-off of your account does not affect your obligations under the terms of the Note and/or Security Instrument. 

Please contact XXXX to discuss repayment options at XXXX or email XXXXXXXXXXXX or visit XXXX online. 


LOAN NUMBERXXXXMATURITY DATEXXXX/XXXX/2037INTEREST RATE8.313 %
Product: Money transfer, virtual currency, or money service

This problem concerns Venmo, the online money transfer service that operates under the PayPal license. On XXXX XXXX, 2022, I had a balance on Venmo of {$1600.00} and initiated a standard transfer to my checking account at XXXX. Venmo stated that the transfer would be completed by XXXX XXXX, although the website notes such a transfer takes one to three business days, which means it should certainly have been completed by XXXX XXXX. That did not occur. On XXXX XXXX I emailed the company through the help function of the mobile app and received an email from XXXX XXXX about XXXX hours later ( request # XXXX ), stating : Our engineers are aware of the issue and are working on a fix. On XXXX XXXX I chatted with customer-service agent XXXX XXXX using the app, who stated : It seems to be a bug in the system. I think it will be resolved today. On XXXX XXXX, the money had still not arrived in my checking account, and I called Venmo at XXXX. XXXX XXXX confirmed that the money was held up because of a bug, and that I would receive it later that day. Again, that did not occur. At no stage in this process did Venmo proactively send an email saying that the transfer would be delayed beyond their usual window. I did a search on XXXX and discovered that at least half a dozen other people who initiated a bank transfer on XXXX XXXX are also having this problem ; some reported that they had been told Venmos servers had crashed.
Product: Checking or savings account

Misc calls and mail about checking accounts being open, that I have no clue of i.e. Bank of America, XXXX and IRS stimulus payment
Product: Credit reporting or other personal consumer reports

I just review my credit and found this inquire XXXX XXXX  has i never request anything from them and demand to be delete
Product: Bank account or service

My bank closed my account due to the fraudulent claim activity that I reported to them was too many in a specified time period.
Product: Checking or savings account

I went through the process to dispute a fraud charge on my bank account with Community Bank NA. I followed what I needed to and found a hat it was denied due to more charges from that same retailer I also did not make any of those. So instead of providing good customer service the lady decides to tell me its my fiscal responsibility to manage my bank account. I am well aware of my responsibility but I did not make these charges and from then on I was very angry and upset. This could have been managed a lot better than giving me, the customer attitude. I am trying to get things better with my banking and I dont need to be talked to like that. I have again put in a dispute for these charges that I absolutely did not make and will pursue further if they are not dealt with correctly. 
This was beyond bad customer service and I am appalled that as a customer I get talked to like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, and I had no knowledge of this account until I went to get prequalified to buy a home. I had my wallet stolen in 2018 which my social security card and license and health care info had been compromised. A crime has been committed against me and someone is opening accounts and applying for credit using my social security number, I have been disputing and fighting this and other accounts since leaving a bitter EX-Spouse. I had contacted the police department and reached out to this company directly with no response, and filed an identity theft report. I have disputed this account with all three bureaus and they have all verified this item. How is this verified without my consent. I want a full investigation and will like this removed from my credit report entirely. I would like to buy a house. I have fraud alerts and freezes on all of my reports. All info have been sent to this company, I pay all of my bills on time and would have never gotten a loan.
Product: Checking or savings account

I got a email a few weeks back stating that my acct was approved. I assumed it was a scam so i ignored it well today i get a letter from bank of america staying that they closed the acct because they couldnt verify my identity. So i called thenm and they said yes a checking acct was opened on XX/XX/XXXX and that it was closed XX/XX/XXXX. They told me my ss # was used to open it and to call the ss office to get a lock on my acct well i did that and he said if he locks it even i cant use it and would have to go down to the ss office which i dont want to do and then they told me to contact you. Not sure what can be done but i dont need someone ooening stuff and using my ss #. I have excellent credit and dont want that affected by some lying thief
Product: Credit reporting, credit repair services, or other personal consumer reports

Details Account : XXXX XXXX XXXX Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/23, XX/XX/23 and XX/XX/23 and received no responses, in regard to my disputes. There is inaccurate information and accounts that are not mine, reporting on my credit report and the credit bureaus have not upheld my rights as a consumer by investigating my disputes and making the corrections to my credit report as I have asked them to.
Product: Credit reporting or other personal consumer reports

Experian has blocked me from seeing my credit report and score. Experian finally after sending my dl, ss card, birth paper. they finial let me see my score and credit. but now they locked me out of disputing anything and everything in my file is now non disputable online. I've delt with Experian for years and always was able to dispute things on my credit online. Apon calling them they said some things are not disputable and i said I've disputed these before no problem now i can't dispute anything address collections nothing i need this fixed per the law. if this is not fixed right away, I will have no choice to take league action against Experian and Im about to sue u for statutory damages and actual damages for violating my rights. 


Should Experian fail to continue violating my rights. i am prepared to pursue legal action to rectify this error. i have outlined an itemized list below detailing the potential financial losses Experian may incur if litigation becomes necessary. 

XXXX. Legal Fees : {$5000.00} XXXX. Lost Wages : {$3500.00} XXXX. Emotional Distress : {$7000.00} XXXX. Statutory Damages : {$10000.00} Please note that the figures provided above are estimates and my bary based on the extent of the inaccuracies and the duration of legal proceedings
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit reports.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have identified inaccuracies in my credit report. These accounts were never paid late as it is reported. I request that you verify the information and correct the inaccurate late payment remarks from my credit report as quickly as possible. I have identified the discrepancies in the reported payment history, and I am providing the details below for your investigation. 
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, credit repair services, or other personal consumer reports

Date, address and amount are different that my record, Im already pays some accounts and they continues on my file
Product: Credit card or prepaid card

I submitted a balance transfer to American Express on XX/XX/2023. They accepted the transfer on XX/XX/2023 and did not apply the credit to my account. I have opened up XXXX disputes with no resolution. They didn't resolve it and closed the disputes instantly. I supplied them with the bank statement that shows the amount removed from my account and they have still not applied credit.