23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, XXXX I received a letter from Fifth Third Bank ( 5/3 ) stating ''a merchant security breach that may have compromise your debit card '' a new card is being issued, activate immediately & destroy old card. I activated the new card on/around XXXX XXXX, XXXX & destroyed the old card. I made a purchase WITH the new card on XXXX XXXX. On XXXX XXXX, XXXX I received a text ( & email ) regarding 'suspicious activity ' at XXXX Central Time. I responded & spoke with FRAUD department. XXXX fraudulent transactions are pending. XXXX transaction on XXXX/XXXX/XXXX & XXXX transactions on XXXX/XXXX/XXXX. Through further investigation I have been told that there are XXXX open cards on this account. I have NEVER requested MORE than ONE active card on this account! I requested a replacement card & to block all transactions on the card I believed to be compromised after 'suspicious activity ' ( XXXX XXXX? ) that I had seen on the account & have letterhead from the 5/3 ( came with the card used in the fraud ) stating " For your protection your current card will be deactivated upon activating your new card ''. I have been informed by 5/3 a 'supervisor ', CS XXXX XXXX , & Fraud XXXX ' that I am responsible for deactivating EACH card EVER issued to me. The 5/3 'supervisor ' stated the card 5/3 was notifying me about ( XXXX/XXXX/XXXX ) was a different card than the XXXX that was used for TODAY 'S FRAUD. I do NOT understand how MULTIPLE CARDS can remain ACTIVE when I applied for & have maintained, in good faith & standing XXXX CARD on XXXX debit/checking ACCOUNT! I immediately requested ALL open cards ( save the JUST activated ) be CLOSED. I have been told this has been done by the 'supervisor. ' I believe 5/3 CREATED this BREACH by permitting multiple cards to be active WITHOUT my explicit consent to have MULTIPLE cards ACTIVE on my SOLELY OWNED/PRIVATE account. I was engaged in a TRUST between me & Fifth Third Bank that 5/3 would manage my banking transactions. Having multiple cards ACTIVE without my written consent is a BREACH of my TRUST in their ability to professionally manage my transactions. This has created a HUGE problem for me by tying up funds that I had PLANS to use on XXXX XXXX as it will take UP TO XXXX -7 Business days for the fraud transactions to be assessed. Had ALL other cards been deactivated as the paperwork that came with the card used in the fraud stated ( old card will be deactivated ) - the previous letter of concern would have been unnecessary & the current fraud claims would never have occurred. Those charges would have immediately been declined on a 'dead ' card. This has, additionally, dropped my account BELOW minimum balance requirements which may result in BANK FEES that could be assessed against my account. Thus marring my 'in good standing ' with my account.
Product: Mortgage

I stopped paying on my mortgage XX/XX/XXXX. I lost my job and had to move for work to another state. The forclosure process began XX/XX/XXXX. Then it was sent to collections in XX/XX/XXXX. The bank dragged its feet and delayed the forclosure sale and the deed transfer was not completed until XX/XX/XXXX. I do not understand how this is possible. As a result of the bank purposefully stalling the forclosure proceedings i have been harmed. As the XX/XX/XXXX date looks like my forclosure occluded, I am not eligible for the FHA mortgage fresh start initiative or other programs due to the '' banks zombie title ". I need help with what my rights with this matter are.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX  : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting 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. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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 ( 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

If any amount over {$1.00} is owed to the consumer, it must be returned, without exception. This is stated in the relevant regulation, 12 CFR 1026.21, which falls under 12 CFR Part 1026 ( Regulation Z ) that protects consumers in credit transactions. According to the law, the creditor must take the following actions : A ) credit the credit balance amount to the consumer 's account, B ) refund any remaining credit balance upon the consumer 's request, and C ) make a good faith effort to refund any credit balance remaining in the account for more than six months by cash, check, or money order, except in cases where the consumer 's current location is unknown and can not be traced through their last known address or telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiries due to fraud appeared in my Equifax report XXXX  and XXXX of XXXX. I contacted the bank in question and notified them of the fraud. They immediately closed the account and mailed paperwork confirming the events. They also notified the credit reporters to remove the inquiries. Finally, I submitted a fraud alert with Equifax XX/XX/XXXX.
90 days passed.
I submitted a dispute XX/XX/XXXX with Equifax because the inquiries remain.
90 days passed.
I received no response from that dispute. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. I received the same generic responses that the fact an inquiry happened, despite being fraud, validated its reporting.
I contacted XXXX again and they verified the events of the first call and that they would remove the inquiries. XXXX again sent me a letter of verification, and again contacted Equifax asking them to remove the inquiries.
90 days passed.
It has been almost a year. The inquiries remain. Trying to submit another dispute now results in an error on their website. Emails to contact links are bounced back. These problems needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX writing to bring to your immediate attention serious inaccuracies found on my Experian credit report. 

Upon careful review of my report, I found the following derogatory marks that I believe are incorrect and request immediate investigation : XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX  CO ) Account # : XXXX Account Type : Collection Account Status : Derogatory Balance : {$1600.00} each Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX, Account # : XXXX, XXXX Account Type : CollectionXXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Status : Derogatory Balance : {$420.00} each High Credit : {$520.00} Last Reported : XX/XX/XXXX, XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. Consumer disputes this account information. Medical. Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX Experian Account # : XXXX, XXXX Account Type : Open Account XXXX XXXX XXXX Account Status : Derogatory Balance : {$960.00} each Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Collection account. 
Date Last Active : XX/XX/XXXX Please note that these accounts do not belong to me, and I have never authorized or engaged in activities related to these accounts. I believe there may be a mistake in recording these accounts under my profile.

Furthermore, I kindly request you to update my current address and remove the previous incorrect addresses mentioned in previous correspondence.

I request immediate investigation and removal of these discrepancies from my report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). Please send me a corrected copy of my credit report as soon as these corrections are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous documents proving that the incorrect account werent mines due to fraud. And theyve repeatedly ignored my claims and my request to have those incorrect items remove. Ive also included a police report backing up my claims and theyve continued to ignore me and not follow the proper protocols.
Product: Student loan

I am very confused. Many years ago I put complaint with  XXXX  now Navient and I knew they wer misinforming me. Also, corrupt practices on interest calculation. I was so   XXXX   and felt I had no choice or options. Now I am on social security and can not afford the payments. I have been extremely misinformed over many years. The interest calculatios are fraudulent and corrupt. They need to remove some of this interest.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital one 's failure to deposit my direct deposit from my employer and any other deposits. Capital One has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This Situation raises concerns about customer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld thank you.
Product: Checking or savings account

On XX/XX/2023, I saw a debit of {$1000.00} debited to my checking account from XXXX. I immediately call my bank to find out why and who authorized this debit amount. They said, " it is from XXXX ''. And I asked why? They said someone pay me on XX/XX/XXXX, and now reversing the payment ( Refund ). I told them the Only people paying me through XXXX every month are my Tenants. After so many calls they gave me information that the tenant involved said, " he never stay in the house '', But as am typing this letter today ( XX/XX/2023 ), the tenant involved " XXXX '' still live in my house. Which means this was a fraudulent claim and debited. Thus, I am asking my bank to credit my account back for the same amount of $ XXXX. I sent all information about the tenant and other co - tenants to my bank, so they can use use those informations to verify my claims. But my bank claim that they can not do anything to credit my account back for this money, they asked me to call XXXX, I call XXXX, they said since I did not use their direct app, they can not do anything. Only my bank can credit my account back and provide information to them. My bank App is what I use to receive all my payments. But my bank refused to do anything on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS REPORTING PUBLIC RECORDS THAT I. OPTED OUT OF FTC VIOLATIONS BY LAW I HAVE THIS RIGHT!!!

REMOVE ALL PUBLIC RECORD INFORMATION
Product: Credit reporting or other personal consumer reports

These companies Ive never heard of are contacting me about a debt. I have never gave permission/consent for these companies to have my information. This is illegal.
Product: Checking or savings account

On XXXX, I did an instant transfer from XXXX to my Ally Bank account. After several minutes, my funds were still not available in my Ally Bank account. I called Ally Bank and they said that they were having problems with their system and that deposits made after XXXX EST would not be available until XXXX EST the next business day. This is completely unacceptable. I never received any notice that there was an issue. This is false advertising and unfair to their customers to hold their money and not even notify them.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the addition of XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX to my credit report. This address is not associated with me in any capacity. I do not live at, nor have I ever lived at, or conducted any business at this location. Its appearance on my credit report is inaccurate and misleading, and it must be immediately removed along with any associated negative inquiries or debts. 

Details of the Issue : Address Addition : The address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX has been added to my credit report without my authorization or knowledge. I am uncertain how this address was linked to my profile, but it is clear that this is a case of erroneous or fraudulent reporting. 

Negative Inquiries and Debts : Alongside this address, there appear to be negative inquiries and debts falsely linked to my account. I have no knowledge of these accounts, nor have I authorized any transactions or financial activities related to this address. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX, XXXX, and TransUnion are required under the FCRA ( 15 U.S.C. 1681 ) to ensure the accuracy of all information contained in credit reports. The addition of this address violates the following FCRA provisions : 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
1681i ( a ) ( 1 ) : Obligation to conduct a reinvestigation of disputed information and correct inaccuracies promptly.

1681b ( a ) : Prohibition on furnishing a consumer report for unauthorized or impermissible purposes.
Product: Checking or savings account

Wells fargo is not reporting deposits in a timely manor.
Product: Credit reporting or other personal consumer reports

My social security was lost during a data breach around XXXX. I filed federal reports and put a 7 year note at all three credit bureaus. I sometimes get fraud still from folks using my social and DOB in cases of identity theft. It happened again today- Experian is reporting that a new collection item popped up. I went to the Experian website to investigate and dispute, but I still can not access the site. Back in XXXX of XXXX I wrote a letter and painstakingly explained that someone using my DOB and SS had hijacked the site and had my Experian account ( which has my credit report and everything ) linked to someone else 's email and address. No one ever wrote me back and nothing was fixed. This time I went back to the website, could not get in because it is still linked to the fraudster 's email, and and with the automated voice on every single phone number on Experian, there is no way to get to a person to talk to them because I have to enter data that " does not match '' - because clearly the person who stole my identity changed all the data! It is now XXXX of XXXX and they still have not fixed the hijacking of my Experian account, and continued fraudulent acts of identity theft are happening and they are dinging my credit. HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Credit Bureaus are refusing to delete these inquiries due to IdentityTheft!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am attaching my identity theft report to prove it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which is answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX Balance : {$0.00}
Product: Debt collection

My name is XXXX XXXX and I am a California consumer. On XX/XX/2019 I asked the Representative if I was being recorded because I noticed that it was not disclosed to me at the beginning of the call like it normally is. I did not get any notice until I asked if it was being recorded. Please communicate in writing only and pay me for damages. See attached letter.
Product: Credit card or prepaid card

Hi Sir/Madam, I have The Home Depot, Credit Card, that I have paid off in full. I have closed the account couple of months ago, but the company is sending me bill, every month after the closer of the account, with late fee of {$40.00} per month plus interest. As of today, they have billed me for about {$110.00} in late fee plus interest. I have purchased nothing in last few months, but I am getting bills for additional charges on late fee over late fee. This is an insane practice. This is a rip off which is like a termite. I have a family and I hardly make my ends meet every month. These big companies, out of their greed, are ripping off the fabric of this society. They are forcing people toward the poverty then prosperity. Please save me from their vicious scams. I have called them few times and discussed to resolve the issue but instead of resolving the matter, they are keep harassing me. 

XXXX
Product: Credit reporting 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. 

Account Name XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 ( 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 or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XX/XX/2023
Product: Student loan

I always pay my loan on time threw auotmactic billing. XXXX sold my account XXXX and they never notified me. I look on my credit report and it says im late 3 months behind. Now call XXXX and they said they cant help me take it up with XXXX loan. I still have to pay. Thats very unfair
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am submitting this complaint regarding my credit profile, I've disputed these items XXXX with no change from the credit bureaus to update and or remove inaccurate information reporting .This issues negatively impacting my financial situation. 
I would like this CFPB to insure that these unauthorized and inaccurate items be corrected ASAP. I trust the CFPB to review this matter and insure that the complies with your applicable regulations. Thank you and XXXX XXXX 
below are account in question : XXXX XXXX XXXX - ( incorrectly reporting and paid in full and was to be removed ) XXXX XXXX- Not licensed to collect in my state. 
XXXX XXXX XXXX XXXXXXXX - according to FCRA this reporting well over XXXX years, also is a collection reporting a balance. 
XXXX XXXX XXXX- This account is unknown with no proof. 
XXXX XXXX -According to the FCRA this account is a charge off and should not be reporting a balance, this is a violation. 
XXXX XXXX - no license to collect in my state.
Product: Debt collection

I can not seem to send the series of text messages here from debt collector TrueAccord ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXtrue.acXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXtrue.acXXXX XXXX XXXXXXXX XXXX XXXX XXXX.true.acXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXtrue.acXXXX   ), but I have an XXXX credit score and am not aware of any unpaid debts. Dates are from XXXX - XX/XX/2024. I have not responded at all, thinking this was all spam/phishing, but I need to confirm this, so no clue about what amount I supposedly owe, nor to whom yet. I'm hoping you can figure that out and yes, if it's fake, sure, I'd love to collect on their fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit report and found out there is charge off from XXXX XXXX, Discover Bank and XXXX XXXX. I never opened these accounts, it looks like someone used my informations to open these accounts. 
Please remove these items from my report
Product: Debt collection

Capital one They Took money out of my moms bank account when she added me as a signer to help her when she couldnt get there. XXXX there anyway she can get her {$3000.00} back
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX, I had downloaded an investment app and had gotten a free stock. When I tried to deposit the money into my bank account, it said that it your bank made a change that prevents me from adding the money into my account.