23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First Source Advantage, XXXX XXXX XXXX XXXX, XXXX NY XXXXXXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a one time offer with a unrealistic date basically 10 days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.
Product: Credit card or prepaid card

XX/XX/XXXX card was lost/stolen, ordered new card, still have not received the card it is now XX/XX/23. They stated it was issued XX/XX/XXXX and then in XXXX they stated there was a shortage of chips. Then just now they said it is still a shortage. I have received cards from other card companies. They can at least give me an electronic digital card or issue cards without a chip it is that simple. I am making payments yet not getting to use my card.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transaction were authorized. I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent cfpb findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices were unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX. XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX-XXXX  : XXXX Transunion : XXXX ) XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX   XXXX : ( XXXX Transunion : XXXX ) XXXX XXXX XXXX : XXXX XXXX : Transunion. XXXX ( XXXX  : XXXX XXXX   : XXXX Transunion : XXXX ) XXXX/XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX CC ( XXXX  : XXXX XXXX : XXXX Transunlon. XXXX XXXX XXXX/XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This grumbling to NORDSTROM/TD BANK USA was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and XXXX do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and XXXX reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$440.00} -This is not my account.
Product: Debt collection

I am a victim of identity theft and someone stole and used my personal information to open up an account with XXXX XXXX. I have never applied or opened up an account with XXXX XXXX. I have been receiving harassing and threatening telephone calls from North Shore Agency Collection Agency representatives in regards to a debt in the amount of {$270.00}, I owe to XXXX XXXX. North Shore Agency has threaten to call my job repeatedly, if I do n't pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

Bankruptcy filed in XXXX 2015. All creditors have removed from my report charges due to bankruptcy. EXCEPT for ACCOUNT BROKERS OF XXXX ( XXXX ) XXXX. They continue to RE-REPORT these bankruptcy charges to XXXX who Re-Investigates and Re-Reports them to my credit. Which STARTS THE CLOCK OVER, AND DESTROYS MY CREDIT. I have sent the letter verifying the bankruptcy from my lawyer and the date this was filed in court. They have received this letter NUMEROUS TIMES! Unfortunately, I had to file for bankruptcy for medical bills. I was hospitalized for 10 days - was fired for missing work, and they cancelled my insurance- I attend college Full-time and work XXXX jobs. This was not in my control. But when this reporting agency continues to RE-REPORT the same charges, I will never be allowed to move on from this. 
Also XXXX from Account Brokers of XXXX talks to me in a demeaning manner, and raises her voice at me. She is very unprofessional, and continues to make me feel like a criminal. 
Please research this, and help. 
Thank you
Product: Credit reporting or other personal consumer reports

Hello i just looked at my credit report profile and notice that ive been a victim of identity theft and found several inquiries here are the inquiries i found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove these fraudulent inquiries from my credit report.
Product: Credit card or prepaid card

Hi, I had a fraudulent application with XXXX XXXX Bank on XX/XX/2021. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX I also had a fraudulent application with XXXX on XX/XX/2021. 

Institution Information XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Both applications were denied but I would like to remove these hard inquiries from my credit report as they were fraudulent. 
Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent rejection of my request to block fraudulent accounts that have been created under my name due to identity theft. I would like to appeal this decision and demand that these fraudulent accounts be promptly deleted to prevent any further damage to my financial and personal well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/year> I sent certify letters off to XXXX XXXX and Experian requesting the removal of inaccurate accounts on my credit report that are affecting me. I did include my two forms of identification. Accounts I disputed still remain on my credit report many that do not even say " currently in dispute '', accounts showing as an open collection, companies I have not heard of or recall having an account with such as XXXX. I asked them to validate an account called XXXX XXXX on my credit report and also all of these accounts I am mentioning have missing information, the payment history is not matching with the date accounts were open, there are just so many invalid entries that I can not understand or read my credit report properly so I am requesting that if the CFPB can not either, then to please request that the companies remove these. 

Today is XX/XX/year> I have not gotten any response from any of the listed companies. I was told that if they fail to respond I could escalate it to the CFPB and demand they remove the information since it has been past the 30 days for investigating. I heard this is the law. 

Please help me to remove this damaging information.
Product: Debt collection

Around XX/XX/2023 I received a notice from Credit Collection Services saying that I owed XXXX {$370.00}. Their letter was predated XX/XX/2023. I called XXXX and they told me to contact my representative I explained that I did not have one because I had not attempted to purchase anything from them. I, also, called the debt collector and explained the same. I also sent my request through the debt collectors online portal and I mailed a letter requesting documentation confirming that I owed the debt. I was sent a copy of a printed bill from XXXX but not my representative as XXXX and the debt collector ( Credit Collection Services XXXX said that I needed to contact to prove the debt was mine. Again, I explained that I did not have a XXXX agent because I did not request their services. I was met with threats of reporting the debt to the credit bureaus. I have had exceptional credit for over 20 years, I pay my bills and I know who and if I owe anything. Long story short, I panicked and paid the debt because I did not know what else to do to keep it from tarnishing my credit. A few days after my husband paid the debt they reported on my credit report. This resulted in my score dropping from XXXX down to XXXX. Again, this is not nor was not ever my debt and it has tarnished my credit reputation and it causes me great distress.
Product: Prepaid card

My salary was deposited directly to the fifth third bank debit card issued by a company named wisely, on XX/XX/2024 at XXXX AM, I went to citibank parking lot ATM MACHINE located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
while driving the car I inserted the wisely debit card in the Citibank atm machine to withdraw {$1000.00}, the machine disconnected and restarted and showed error with an XXXX language and was not given any receipt, and I never got my cash requested and the amount was deducted from my account. i contacted customer service for the card issuer at this number XXXX to report what happened and they mentioned that they need at least 45 days to XXXX and up to 90 days to investigate, this is really too much time to sustain the bank mistake, I appreciate if you can step in and resolve this issue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelles handling of disputes Particularly in Light of 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 it unacceptable and raises serious concern about consumers safety.
Product: Money transfer, virtual currency, or money service

Dear Complaint Service Team, I am writing to seek urgent assistance regarding an issue with a missing instant deposit from my XXXX XXXX to my Wells Fargo business account. On XX/XX/XXXX, at XXXX XXXX, I initiated an instant deposit of {$300.00} from my XXXX XXXX account to my Wells Fargo business account. However, despite XXXX XXXX confirming the deposit, the funds never reflected in my Wells Fargo account. 

I have contacted both XXXX XXXX and Wells Fargo multiple times through chats, support requests, and customer service calls, but I have not received any resolution or assistance in recovering my missing funds. Cash App provided me with the following transaction details : - Deposit Amount : {$300.00} - Date of Deposit : XX/XX/XXXX at XXXX XXXX  - Bank Name : WELLS FARGO BANK , NATIONAL ASSOCIATION - Last 4 of Debit Card : XXXX - Transaction ID : XXXX I believe that the Transaction ID provided by XXXX XXXX  should enable Wells Fargo to trace the deposit. However, Wells Fargo has been unable to locate the deposit, and both XXXX XXXX and Wells Fargo seem unwilling to take further action to help me recover my funds. 

I am willing to provide any necessary information to assist in resolving this matter promptly. Please advise me on the next steps to initiate an investigation and recover the missing deposit. I am attaching the requested information below and stand ready to provide any additional documentation required. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a purchase from XXXX XXXX XXXX Item not received or installed. They credit TV back but not the installation that never took place. I called the bank to dispute this charge and was transferred too msny tme with lack of knowledge and hearing problems from the representative for the bank. 

Tv not received Installation never received
Product: Credit card or prepaid card

XX/XX/19 I tried to make a XXXX dollar purchase but to my surprise, my minor childs government issued XXXX XXXX COMERICA BANK debit card benefits account declined. I immediately went online as I usually would to check the balance and discovered the balance was about 5.62. I immediately called the card service to let them know that someone had taken thousands of dollars from the account without my knowledge or consent. XXXX to be exact in UNAUTHORIZED transactions at several different locations in XXXX and XXXX, Florida. My card was in my possession the whole time, Never lost or stolen and NOONE other than myself has access to the account or pin number. After about 15 days of investigation XXXX XXXX closed the case and claims there was conflicting information in what I gave them and what they investigated. They said I had called from my phone number and address to check the balance before the fraudulent activity began, however, I MADE NO SUCH CALLS. I get access to that information ONLINE. They said someone with my same last name tried calling in aswell, however, I don't know anyone or have anyone in my family with that persons name. Because of these events I have discovered that someone has stolen my identity and is perpetrating to be a member of my family. I've sent in my phone bill to show that I made No Calls to check the balance on XX/XX/2019 like their records suggest. XXXX XXXX level 2 fraud employees are very short and vague in helping and have told me the case is in fair hearing and that it could take hours or YEARS for this to be resolved. In fact, " no time frame '' is what they are saying consistently. They will not return escalation call request or allow me to speak with the investigators. XXXX XXXX   never issued a provisional credit even though I complied with their requests. I've filed police reports in both locations where the fraud accured and filed an identity theft report with The FTC. Please help me get these funds back as they are benefits for my XXXX year old child that has special needs. No one other than myself should have ANY access to these funds. HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap ..XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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
Product: Debt collection

This is a fraudulent debt, the company refuses to remove it off of all credit reports. Ive had a credit debt agency investigate and paid lots of money, submitted all legal documents and its still not removed. This company is violating Federal laws.
Product: Credit reporting or other personal consumer reports

I've been a victim of Identity Theft and I have reported it to identitytheft.gov with the reference number XXXX I also noticed some unidentify inquiries on my credit report. 
Listed below are the unidentify inquires showing the bank names and dates : Bank Name : XXXX XXXX Date of inquiry : XXXXXX/XX/year> Bank Name : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Name : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Bank Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Bank Name : XXXX XXXX Date of inquiry : XX/XX/year> Bank Name : XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Husband XXXX XXXX probably XXXX XXXX XXXX XXXX accounts I've only had XXXX XXXX XXXX XXXX card and XXXX last purchase I made was {$72.00} I think of XXXX anything after that's not me or on any other cards
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH State of Ohio I, XXXX XXXX XXXX, being of sound mind and legal age, do hereby swear under penalty of perjury that the following statements are true and correct to the best of my knowledge and belief : XXXX. Personal Information : My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and my Social Security Number is XXXX. I have lived at this address from XX/XX/XXXX. 

2. Credit Report Dispute : I am writing to dispute the accuracy of certain information that appears on my credit report, which was obtained from XXXX, Equifax XXXX XXXX XXXX XX/XX/XXXX. 

3. Inaccurate Information : The following items on my credit report are inaccurate or erroneouXXXX XXXX XXXX XXXX Account # XXXX Dispute Reason : Late Payment reported wrong on my report and its hurting my report. 

4. Supporting Documents : I have attached copies of the following documents to support my dispute : Pic of report of the account, SSN, ID I respectfully request that XXXX, Equifax, XXXX conduct an investigation into these matters and correct or remove the inaccurate information from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

6. Declaration : I declare under penalty of perjury under the laws of the State of Ohio that the foregoing is true
Product: Credit reporting, credit repair services, or other personal consumer reports

Company pulled my credit continuous during the month of XX/XX/2017 without my authorization. 

Dates are below XX/XX/XXXX XX/XX/XXXX Due to this company and a few others, I have placed an extended fraud alert on my credit, however, this company refuses to remove the inquiries after several requests and notification of possible fraud.