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

Dear Sir/Madam, Subject : Immediate Deletion of Unauthorized Accounts from Credit Report, Revocation of Communication Rights, and Notice of Legal Action This notice is to inform you that you have unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to include any accounts on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your actions amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability. 

Furthermore, this agency is in violation of 15 USC 1692g. You were required to notify me of these debts in writing within five days of your initial communication. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I hereby revoke all rights for your agency to communicate with me through email, text, or phone calls. All future correspondence must be conducted in writing and sent to the address provided at the top of this letter. 

Failure to respond satisfactorily with the deletion of the above-referenced accounts and to send me a free copy of my report after the changes have been made will result in legal actions being taken against your company. I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Please conduct a thorough investigation of these accounts and provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is severely impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I am unaware of this debt I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide/send me the certified return receipt with my signature. If not I request that this information ( JEFFERSON CAPITAL Acct. No. XXXX ) be removed from my consumer report immediately in light of my consumer rights being violated.
Product: Debt collection

There are XXXX accounts reported on my credit reports from GLA Collection, one from XXXX and the other XXXX. XXXX showing " Open '' but with {$0.00} balances. The one from XXXX has been PAID but still showing " open '' The second, I do not recognize the account number nor do I owe them anything associated with this account number. I do not know why the one from XXXX is even on my credit report and showing " open '' with a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I have filed an FTC REPORT as these inquiries where not done with my knowledge or consent XXXX XXXX {$840.00} as of XX/XX/XXXX they have put this account into collections I have no knowledge of this XXXX XXXX XXXX  ran a credit report XX/XX/XXXX XXXX XX/XX/XXXX without my knowledge im not sure what this was for XXXX XXXX ran a credit report XX/XX/XXXX XX/XX/XXXX not sure why exeter finance llcXXXX ran a credit report on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ran a credit report on XX/XX/XXXX XXXX XXXX rand a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit report on XX/XX/XXXX XXXX XXXX  ran a credit report on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX a credit report on XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX and the Wells Fargo Executive team are not serious about treating their customers ethically. 

Since XXXX Wells Fargo has assessed me approx {$5700.00} in Overdraft fees ( please note this amount is AFTER all reversals ). Overdraft fees are a predatory practice to exploit the poor and break their Deposit Account Agreements. 

Please note the following : - While attempting to overcome a season of hardship in XXXX, Wells Fargo charged me {$2600.00} AND illegally repossessed my vehicle! 

- In XX/XX/XXXX, Wells Fargo held a {$2000.00} check I deposited for TWO WEEKS! 

- The check was from one of the Largest health insurance providers in my state. 

- The check was less than {$5500.00} - I've NEVER had a check deposited that has returned unpaid - I've had no overdraft fees since XX/XX/XXXX - Wells Fargo did not mention an emergency or failure of communications equipment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, relating to the recent CFPB lawsuit highlighting significant issues with the platform. Depositing continuously using Zelle and reporting discrepancies my financial institution and Zelle failed to investigate my claims thoroughly. They said there was nothing to do about recovering lost funds and tracking the transactions was not possible. This leaves me and others who use Zelle vulnerable to scams, saying that theres nothing they can do to investigate or help. I have lost money with this issue and its very frustrating.
Product: Credit card or prepaid card

Please include or ammend this matter to the following complaints, all of which are related. 

Police ReportCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit card or prepaid card ISSUE Problem with a purchase shown on your statement
Product: Money transfer, virtual currency, or money service

I have an account with cash app. I transferred XXXX dollars to my cash app to send to my roommate for rent. I logged in using another phone to do so because my phone was broke & was using a temporary phone At the time & my roommate needed the rent. That was on XX/XX/2020. Today is XX/XX/XXXX. My cash app account is still locked & I dont have access to my money. I can receive money but cant send or cash out my money. I been trying to get in contact with cash app support but havent heard anything. I need my money
Product: Credit reporting or other personal consumer reports

As a Federally protected Consumer I am opting out of any and all authorization I the consumer may have given whether written or verbal or implied per title 15 USC 6802 and the Privacy Act of 1974. I called the number provided by XXXX 's website for their privacy policy. Requested to opt out of XXXX XXXX XXXX  sharing my non public info. The representative I spoke with whose name is XXXX XXXX XXXX XXXX told me there was no opt out option available. This interaction took place XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX, i was a wells fargo customer. my mom was a wells fargo customer. this was in XXXX, ca. my older brother XXXX XXXX and myself were added to my mothers account when her XXXX got to be to much. I was taking care of my mom, XXXX XXXX, in her home in XXXX, ca. My brother, XXXX XXXX, was stealing her money through wells fargo in XXXX, ca and her wealth management company XXXX XXXX in XXXX ca. He was blaming me for it. I dont even know how do that. He was able to convince wells fargo, they closed my accounts. They kept me on my mothers accounts until XXXX. Which makes no sense to me. My brother abducted her from her home in XXXX, put her in a XXXX in florida where he lives, completely isolating her. He sold her home in XXXX, XXXX XXXX supposed through XXXX XXXX. My mom had a trust, i was XXXX XXXX. 
My mom died in XX/XX/XXXX, in XXXX. My mom had over XXXX XXXX, my brother stole all of it. Wells Fargo helped him. They refuse to explain why i was kept on my moms account for years after i was told i was taken off the account. i had no access, but was kept on. After talking through their legal department with my records, they sent me a check for {$110.00}. No clue what {$110.00} was supposed to clear up. I KNOW MY BROTHER XXXX COMMITTED FRAUD AND I KNOW WELLS FARGO HELPED HIM DO IT. I WAS ANSWERS SO I KNOW WHAT I CAN LEGALLY DO ABOUT IT. The branch where i live in XXXX, ca claim they dont know how to help. PLEASE TELL ME WHAT I CAN DO. THIS RUINED MY LIFE. My brother is claiming in XXXX XXXX probate that my mom had nothing and that there was never a TRUST. NO ONE IS HELPING ME BECAUSE IM POOR. So my brother just gets away with this? PLEASE PLEASE PLEASE I BEG YOU, HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I had to get the XXXX XXXX judge to motion a satisfaction of judgement because ONE MAIN would not send me a receipt nor their attorneys. I want it taken off my bureaus as a debt, I do not owe them anything. They are VERY SLOW to report. They deposited my check for {$5600.00} on XX/XX/year> and still reporting a debt owed!! UNLAWFUL
Product: Debt collection

XXXX XXXX XXXX  closed my credit card account ending on XX/XX/2019 with a balance of {$420.00}. I made monthly payments towards the final balance of $ XXXX/mo. The company then sold the debt to Resurgent Capital now with double the actual amount I owed at the time of forced closure of my account.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

I have another complaint against this company. They called me last week and I told them not to call. I sent them a certified letter to tell them in writing not to call and they still called. So I told them over the phone and in writing not to call and they still call. The tracking number is USPS XXXX
Product: Credit card or prepaid card

During XXXX XXXX XXXXXXXX, Navy federal agreed to enroll me in their hardship program during covid. I was accepted into the program and the company reported my payments as late which is now affecting my credit score. I have reached out to the company asking to remove the late payments as it is a violation of the CARS ACT. The company refuse and states the information is accurate. I have been with the company for 13 years and never had a late payment. This is unacceptable and a complete violation of my rights.
Product: Credit card or prepaid card

On XX/XX/2021, I made a transfer of {$5000.00} from my XXXX BOA prepaid account to my sister 's BOA checking account. I've attached a photos of the transaction. I borrowed money from her and was paying her back. When the transfer reached her account, Bank of America closed her account permanently due to suspicious activities. She has been with BOA for more than XXXX years. She went in and explained it to them, they still kept it closed since i wasn't there. I stay in XXXX XXXX, she lives in Texas. 

Then they kept the {$5000.00} transfer stating that transfers from XXXX  prepaid account to others account aren't authorized. I wasn't aware of that policy, since I always transfer funds from there to my regular credit union checking account. 

Bank of America didn't even send that money back to my prepaid account, they just kept it. I called the BOA prepaid customer service and was told that i needed to file a claim in order to get my money back which i did right away. every week i kept calling and was told no number has been assigned to the claim yet. Then was told a wrong claim was filed, then they filed another one. couple of weeks after, i called and was told the claim was denied. I asked why and was told she couldn't see why. then she said she reopened the claim and asked for it to be reviewed. Then nothing. 

I really need those funds during these hard times. I really don't understand what is complicated about this issue. Even my sister 's account shouldn't have been closed permanently. She went in and explained it to them. 

Thank you.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from Trans Union XX/XX/XXXX. I saw some hard that did have permissible purpose. I also attach the evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Mortgage

Morgan Stanley Home Loans keeps saying they will modify the loan with respect to lowering the interest. Instead, they keep sending repeated forms about being in the military which is not applicable. They have offered no assistance during covid, despite assertions to the contrary, except to require all payments be made in month four. We have excellent history and this lousy company keeps making promises and does nothing to help or keep their word about modifying the interest rate to a more reasonable number. Last call they promised to send information and application to modify and this was third promise. Instead all they send is some form nonsense about military service which does not apply. Please escalate.
Product: Debt collection

I was sent a debt collection notice from AllianceOne. Their notice violates several FDCPA guidelines. ( see attachments ) Also, they have not been able to provide any contract saying I'm liable for the debt either from them or the original creditor.
Product: Credit card

CashApp will not close an account that was fraudulently created in my name without having me submit card details to a third party website managed by Square. The company refuses to transfer me to someone who can close the account manually or provide information on how the account was opened in the first place. The issuer XXXX XXXX  also refuses to assist in closing the account and would not allow me to transfer to a security department either.
Product: Mortgage

When Roundpoint bought our mortgage they continued to send out the wrong payment on our statement. Several calls to Roundpoint to fix our statement has only gotten worse. We are paying more in monthly payments even after sending them a separate check for our escrow account.
Product: Consumer Loan

In XXXX 2014 I purchased a new vehicle. The auto dealer brokered financing for a car loan. Now I am attempting to purchase a home and can not obtain a mortgage because I have over XXXX hard inquiries on my credit reports from all XXXX agencies. 
Capital One Auto Finance pulled my XXXX, XXXX and XXXX credit inquiry on XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14 and XXXX/XXXX/14. XXXX inquiries in XXXX months on all three reports? How is this allowed?
Product: Debt collection

So CBE Group from Iowa, has been repeatedly trying to contact me for months maybe even a year, to the point where they kept changing their number to call me. I advised them to stop all contact since I am in my rights to do so. They didn't stop, so I changed my phone number and that got things to calm down. But recently they began sending postage mail regarding my debt. I told them not to contact me and here they are still contacting me. This is in violation of my rights.
Product: Debt collection

Hello! I am disputing a XXXX XXXX credit card debt that is on my credit report and that does not belong to me. I was underage at the time of this activity and had no previous knowledge of this. On XX/XX/2021. I disputed the information with all 3 companies of the credit bureau. Transunion, XXXX, and XXXX. Only one company XXXX has resolved this item all other companies are still reporting inaccurately and is still on my credit report. I sent a copy of my birthdate by current ID. That proves I was well underage at this time. XXXX sent notice back on XX/XX/2021 stating the account was accurate without any proof of accuracies. On XX/XX/2021 I filed a second dispute to verify with proof of identity with correct date of birth and etc. I have not heard anything back again. I am a entering college and my credit is very important to me. All i am getting is updates to my report stating the account is accurate when in-fact it is not. I feel as though i'm being defrauded and I have been taking all necessary steps to get this cleared up including filing a Fraud alert with the FTC and freezing all my personal info. Please help me.
Product: Credit card or prepaid card

I received my statement in the mail for the previous statement period for my XXXX Visa credit card ( issued by Comenity Bank ) and noticed that an unusually large portion of my payments throughout the statement period were applied to my promotional balance transfer ( with a 0 % APR ), rather than my purchases. Upon calling the customer, I learned that they only apply purchases to purchases made in the previous statement period, even if you make purchases in the same period you make payments. Because of this, I made {$430.00} in payments to pay off the {$430.00} in purchases I made, not knowing they would not be applied to my purchases. Comenity was able to reallocate some of the money I paid back to my purchases from my balance transfer, but I feel that my payments should be applied to purchases which will accrue interest before my balance transfer.
Product: Credit card or prepaid card

I signed up for the Capital One Quicksilver Rewards credit card after a pre-approved letter was sent by Capital One. I signed up for this specific Quicksilver Rewards credit card because it was and still is stated on the Capital One website to have a cash bonus of {$150.00} after spending {$500.00} within the first 3 months. I was approved on XX/XX/2020. On XX/XX/2020, I called Capital One to inquire about the {$150.00} cash bonus because, up until this date, I had spent well over {$500.00}. Note that all my statements were paid in full well before their due dates. They stated that I was not eligible for the {$150.00} cash bonus although I had the same Quicksilver Rewards card that is stated to have this cash bonus. The customer representative stated that the Terms did not contain this cash bonus information, but after looking at other Capital One credit card Terms, there are no areas that designate terms for cash bonuses. A major contributing factor in signing up for this card was because of the {$150.00} cash bonus that's stated all throughout the Capital One website. Capital One has used misleading marketing and advertisements to gain customers in a fraudulent manner, by marketing a cash bonus for the Quicksilver Rewards card but only applying that bonus in certain conditions. I will be planning to completely cancel my Quicksilver Rewards card with Capital One if I am not granted the cash bonus that was advertised and marketed on the Capital One website.
Product: Credit card

I am having trouble with Capital One 's disputes department. I opened a dispute in XXXX after being charged {$600.00} for rental car damage - even though I have a video that does not show the damage when I dropped off the car, as well as an email from the merchant stating it can't be determined that the damage was from me. That said, I've had to open the dispute XXXX times already and the disputes team keeps closing it out for reasons that have nothing to do with a resolution one way or another.

The XXXX  time, they said they had to recode it under another code - whatever that means - I still had to call back and reopen it.

The XXXX time, they said they did not receive my documentation, which I mailed to the address on the dispute form and sent them a copy of when I reopened it the XXXX time. 

The XXXX  time they told me that I was indeed issued a credit from the merchant - which was not untrue except the credit had nothing to do with the dispute ( it was the difference between the hold put on my card when I picked up the car and the actual charges incurred when I dropped it off ) and was clear if they looked at the detailed invoice I sent them. 

And the XXXX  time, I was told I did not submit the documentation again - after I submitted it no less than XXXX. 

I also sent multiple emails to the CEO and was contacted by the executive escalation team, which opened the dispute for the XXXX time, and no further action has been taken. They refused to give me contact information to follow up and my phone calls requesting updates result in me sitting on hold for hours while they ''research the case '' until the call is mysteriously disconnected. 

I am now of the belief that the barriers in the process are not meant to be overcome. I have a XXXX XXXX XXXX  and XXXX  years of business experience and if I can not get through this process, I can't imagine how many other people are struggling with the same thing. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 4 months ago i started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent services. I have no idea who could have stole my identity but i am being seriously affected negatively.