23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX  account # 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.
Product: Credit card or prepaid card

I have a negative balance of - {$2300.00} on my account and despite TEN ( yes TEN ) requests to XXXX  out my balance in the past several months, the company has not issued a check or refunded the credit to my autopay account. This is illegal, withholding money that is rightfully mine and likely profiting off the balance. This has been on-going for over months now with various pointless conversation to their customer service. The negative balance is a result of dispute from a cancelled cruise, where all proper documentation was already mailed to Citi, and the dispute was resolved and closed in my favor on XX/XX/20.
Product: Checking or savings account

I claims couples transactions charge me but the transactions doesn't approve My claims, always they allow the the transactions to favor the companies, not favor us ( costumer ). 
Thank you for the opportunity claims and been right.
Product: Credit reporting or other personal consumer reports

Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. 
THESE COMPANIES ARE : XXXX XXXX XXXX XXXX XXXX BALANCE {$830.00} With no payment history, & XXXX XXXX balance {$680.00}
Product: Credit card or prepaid card

I noticed an alert on my credit report last week and I flagged it that there was a credit inquiry. 

Today I got a letter from Bank of America that someone attempted to open a card in my name. However, according to the letter that Bank of America needed more information to continue with the application. The application was filed online. 

Bank of America told me to notify you and the credit reporting agency of attempted fraud.
Product: Money transfer, virtual currency, or money service

On Saturday XXXX the XXXX at XXXX XXXX I drove my car to the Bank of America ATM near my house. I have banked with Bank of America for over 5 years. I live in XXXX, SC XXXX The ATM ID is XXXX. I tried to deposit my {$2500.00} check. It was sent to me by XXXX. It was my distribution of my XXXX XXXX. I put the check into the atm, it spit the check back out. I signed the back of the check and put it back in. The ATM said transaction canceled and didnt give the check back. The next morning at XXXX XXXX I called XXXX. The person submitted a claim and said I the amount would be pending in my account following an investigation and I should have access to the money after two business days. I am able to see the claim in my online banking app, but after two days since I the claim, no one has called me and I dont have access to the money. I am upset because the bank ATM destroyed my check for {$2500.00}. I worked really hard for that money and Im beginning to doubt if Ill ever get it. XXXX cant send me another check. If my claim continues to be neglected I will sue Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2021 I was trying to purchase an item from someone I had met on XXXX but had asked me to send him a direct message on a service called discord. After some talk I agreed to purchase his item for {$500.00} and sent him a XXXX  transfer thinking XXXX  was a wells fargo service not a separate standalone service. Minutes after sending the payment the man deleted his information including his email associated with XXXX and discord information as well as XXXX information and there's no way to contact him at all and I was scammed entirely out of {$500.00}. I immediately made a claim with wells fargo and they responded by saying they let the sellers institution know of the transaction and its up to them to get him to refund the money... However he deleted his information, he took the money and is gone and i'm out {$500.00}! and instead wells fargo has chosen to just close the claim and not assist at all. I tried calling and the representative was extremely rude and unhelpful and had completely neglected all my concerns with resolving this matter. I asked the rep if there's any information she can provide to me with the institution of the sellers that I can call and speak to them about receiving a refund and she refused to provide information and after I became irate she hung up on me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 {$490.00} sent to an unknown user. 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 CFPB 's findings indicate 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX To whom it may concern : On XXXX the XXXX, of XXXX, I entered a General Denial/Response to the County Court of XXXX XXXX, Texas in XXXX XXXX , XXXX concerning case # XXXX in reference to the lawsuit brought forth by Capital One and now being falsely reported as a debt by their collections company, XXXX XXXX XXXX, XXXX. Since then the statue of limitations has run out but XXXX continues its shennanigans of reporting fraudulent information for the purpose of trying to extend a statue of limitations that has already runout and to fraudently report an alleged debt that neither exists nor is valid. I have attempted to contact both Capital One and XXXX XXXX via certified mail and telephonically as well as all credit agencies namely the following : XXXX, XXXX, XXXX  and XXXX  but their hands are tied. They are claiming that nothing can be done until XXXX reports otherwise. 

It is now that I am asking CFPB to do the right thing and help give me some much needed respite to these Credit Bullies! Your attention and detail to this matter would be greatly appreciated. 

Sincerely, XXXX XXXX egrieged credit customer
Product: Debt collection

Debt collector calls Credit control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Keeps harassing me Credit Control Called my XXXX XXXX XXXX that I purchased XXXX XXXX on XX/XX/2020my XXXX prepaid phone number issued to me as XXXX. 
The debt collector calls are stating a debt thru Credit control I DO NOT HAVE ANY DEBTS but I do continue to have identity theft issues unfortunately Credit control attempts at collecting debts monies from me for others debts. STOP credit control it is illegal .. 
XXXX auto insurance And unknown For the names of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone caller ids XXXX XXXX XX/XX/2020 XXXX XXXX XXXX on OXX/XX/2020 caller name XXXX phone XXXX Persons by the name of XXXX and XXXX XXXX XXXX @ @ @ @ @ @ @ @ Credit control XXXX XXXX XXXX XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ @ XXXX XXXX XXXX My identity theft is registered with the FTC My US name is XXXX XXXX XXXX XXXX XXXX I have told these companies they are calling me and NOT XXXX not those names I have stated that phone number is XXXX I pay XXXX {$65.00} per month I have notified these companies to STOP harassing me and stop calling me about a debt I do not owe. They continue to call me
Product: Checking or savings account

I opened an account a few months ago at a local Chase branch and someone had access to my account causing it to overdraft and close. This took place when I went on vacation and stayed at a XXXX XXXX
Product: Debt collection

I never received any information regarding my medical debts. I was able to dispute them successfully off my credit report. The creditor then changed names, and reported the same debts multiple times. I have disputed the same debts multiple times and have had this same issue every time I successfully dispute the debts. Every time the creditor changes names, they act as if the debt is new, which starts the time in which the debt would fall off over again.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your organization is in breach!

According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

15 U.S.C. 1681 Section 604 A Section 2 also stipulates that a consumer reporting agency can not provide an account without my explicit written consent.

Furthermore, as per 15 U.S.C. 1681c. ( a ) ( 5 ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continually refuses to take off more importantly thoroughly investigate XXXX XXXX alleged collections reporting against me. XXXX and XXXX have complied and done there due diligence and have removed XXXX XXXX fraudulent phantom debt. I have suffered severe consequences solely based on XXXX failure to investigate this phantom debt and factually XXXX has continually lowered my credit report and when I look why it states no new change. I have suffered from the Covid-19 pandemic massive loss and continue to be impacted by the consequences of Covid-19, yet XXXX continues to drop my credit score and has refused to remove XXXX XXXX from my credit report. XXXX has single handedly destroyed all possibilities for me to take out a personal loan. There questionable business practices are destroying my livelihood and the well-being of my family.
Product: Checking or savings account

XX/XX/XXXX credit karma I will spend account with them they put a freeze on my account in four hours previously that day I used my card and paid for something over {$100.00} therefore now my account is froze and nobody will give me an option you can not hold somebodys funds without telling them its illegal I need help to get my money this is where my paycheck goes like this where I pay my bills and I emailed called about 25 times no resolution to whats going on they can not tell me whats going on or why they froze my account without my knowledge or knowing its illegal and I need help please
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to Human Tracking debt bondage, which falls under tracking according to Tracking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605cofthe Fair Credit Reporting Act. I am a victim XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following information : XXXX XXXX XXXX reported XX/XX/XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXX, XXXX DEPARTMENT OF EDUCATION XXXX opened XXXX XXXX, XXXX, inquiry XXXX XXXX Bank inquired XX/XX/XXXX, inquiry XXXX inquired XX/XX/XXXX.
Product: Mortgage

The mortgage started with XXXX and was changed to GreenTree. My mother has since passed away ( XXXX 2013 ) but they still keep sending the statements in her name, even though they were sent death certificates XXXX. They would not work with my parents who live on social security and the mortgage was very high interest. They made payments every month and barely anything was put toward the principal of the loan. When they were facing difficulties, my mother called to try to get interest rate lowered or some other option and was told NO. My parents were in constant stress trying to make ends meet. Since they would not work with them, they had to file bankruptcy. Every time, it was declined by GreenTree. This is a modular home, not a regular house. They do not increase in value, they decrease. They want too money for this place. The house is in the XXXX bankruptcy in just my father 's name. He lost my mother 's income when she passed away. He was paying {$300.00} a month to the trustee and now they want {$450.00}! He has less income and they want MORE money. I handle his finances for him because my mother took care of that. This is the XXXX time for this bankruptcy. They are refusing to take what was paid in the past 17 years and want more money. The trustee wants to dismiss the bankruptcy. He tried to get a place for low income but was DECLINED because of this bankruptcy. What is he supposed to do? There is class action against GreenTree and I want him to be part of that. There are over XXXX complaints against them. He has very limited income and I feel this has gone on long enough. He wants to stay there for the remainder of his years. He is XXXX the lot rent also went up this year and is {$570.00} a month. This home is in a modular home park. It is not on its own land to give any value. I feel this has gone on long enough and this place should be considered paid in full. He certainly paid more than it 's worth.
Product: Credit card

I paid my American Express credit card balance down to zero, made a couple of routine purchases and then paid the balance back down to {$10.00}. This all happened BEFORE the statement closed. Then they closed the statement and slapped {$100.00} in interest charges. XXXX 's explanation was that the policy allows them to do this because the balance wasn't XXXX at the close of the previous statement period. At the very least, this is unethical business practice and should be illegal. That's a 1000 % interest rate for one month. Disgraceful American Express, disgraceful!
Product: Mortgage

My husband died two and one-half years ago. The XXXX mortgage on our home is with Bank of America ( although it was originally a Country Wide loan, from a refinance in XX/XX/XXXX ). When we first obtained, in XX/XX/XXXX, our home the loan was in both of our names, but the refinance was obtained in just my husband 's name as he was fully employed at the time. The title was in both of our names as well. 
Since his passing, I have been making all of the mortgage payments, my name is on the deed as the Surviving Spouse, and, I am the Executor of my husband 's estate. 
I can not qualify to assume the loan, as my credit score is low ... ..during my husband 's illness our financial situation worsened and I went into debt with a few credit cards. I am XXXX and my financial situation and business situation has been improving and I am attempting to pay off the credit cards. 
Bank of America has told me that to allow me to assume the loan would be " preditory lending. '' Another comment from Bank of America is that in the past they would have been able to allow me to assume the loan, but they no longer can. 
All the payments I have been making are my checks, signed by me, but the loan account remains under the Estate of my husband, I would like to assume the loan and hopefully be able to then apply for some hardship program after the death of my husband. Maintaining the current payments at 4.9 percent is very difficult for me, and if my interest rate could be adjusted I would be most grateful, but I do not know how to go about it. I would have paid off the credit cards sooner, but I have had serious expenses related tot he house : last year the septic system had to be replaced, this year the well system has to be worked on. I really do want to maintain the integrity of the property, as I have lived here 30 years and have raised my children here and it was both mine and my husband 's hone, but I do not see which way to turn. 
I would be extremely grateful for your help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, on XX/XX/XXXX I sent an updated credit file request to Equifax via United States Post Office Certified Mail XXXX XXXX XXXX XXXX XXXX. My request was noticeably clear noting that Equifax was reporting inaccurate information on my credit profile and I requested inaccurate addresses and phone number to be removed. I also requested an updated credit report to be sent to me. 

Instead, Equifax failed to remove an old address from XXXX, and continues to report this inaccurate information on my credit file and did not send an updated credit report. Equifax deleted items off of credit file without stating what was actually deleted.
Product: Credit reporting or other personal consumer reports

I received a bunch of hard inquiries from places I didn't authorize or do myself I don't know how it happened, but I called XXXX they told me it's nothing they can do and call the companies, but all the companies gave me the run around so now I'm filling a complaint against all of them to get these unauthorized inquiries removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized hard inquiries on my credit report, which were made without my explicit consent. These inquiries violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).