23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am having a major issue with bank Bank of America. ( The side that dealt with EDD ) Back in XXXX of XXXX I filed a fraud claim for funds that were stolen between XX/XX/XXXX - XX/XX/XXXX totaling over {$30000.00}. I became aware of this fraud in XXXX of XXXX. What took me so long to take notice of fraud due to me being hospitalized XXXX of XXXX due to a XXXX XXXX XXXX diagnosis. When my claim was filed I voluntarily did a release of information and provided proof of my diagnosis. In this release of information It contained other very very personal information such as treatment details etc. More importantly it reflected the dates and duration of my hospital stay. Those dates would show i was able to perform the transactions on the dates the fraud occurred. I want to state that my diagnosis and details surrounding it is a very sore subject but no the less i had those details were provided. My claim with Bank of America has been denied 4 times. For reasons such as Bank of America stating things that were not true. Bank of America that EDD hase listed as ineligible to receive those funds. I Contacted EDD they informed me that 1 that is not the case 2 there system does not reflect that. In short Bank of America and I have gone back and forth and other small discrepancies of due to their lack of communication. Waiting on these funds from this claim is making me experience an extreme hardship and I am at wits end please help.
Product: Checking or savings account

My checking account ending in XXXX was compromised which caused my account to go into negative. I reported the issue with Navy Federal. I was allowed to open a new account ; however, the account ending in XXXX was charged off. I am not allowed to put overdrive protection on the new account. I was told that the fraud department still has the complaint open and still investigating it
Product: Credit reporting or other personal consumer reports

I begin getting phone calls, letters from these creditors. I provided my correct nformation to Equifax, XXXX and XXXX along with my identification, the police report, corrected social security number and contact information. There was no investigation done. The information I gave to them verifying that the accounts were not mine, they updated my account with the correct information and passed it to the creditors that I was disputing. Hence, the demand for payment calls, a bounty hunter who threatened to come to my job if I didn't pay, letters and emails are now coming. Collection agencies are harassing for these accounts as well.

I spoke with representatives from XXXX, Equifax and XXXX. Had them take names of unknown people off of my report as well as my ex husband, correct the misspellings, incorrect social security number and addresses, etc. 

The fraudulent accounts were apparently opened during XXXX. 

I had to put a freeze on the XXXX, Equifax and XXXX. I was going to pay just to be done with it. It's not fair. I was advised by legal team to reach out to your department prior to me hiring them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX 'S COLLECTIONS # XXXX, CHOICE RECOVERY INC # XXXX, CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts that appear on my credit report do not belong to me, they are hurting me. 

BK OF AMER Account Number : XXXX This is not mine. 
Identity Theft BK OF AMER Account Number : 26 This is not mine.

2. Identity Theft BK OF AMER Account Number : 62 This is not mine.

3. Identity Theft BK OF AMER Account Number : 01 This is not mine.

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My exhusband defaulted on his credit card with XXXX XXXX. 

When my divorce judgment was finalized and filed with the court in XX/XX/XXXX, I telephoned XXXX XXXX and requested that I be removed from what I believed was our joint credit card. XXXX reported to me that it was not a joint account, but I was a signer on the account, therefore I had no authority to remove my name from the account. 

The divorce judgment clearly gives my husband all XXXX accounts. I was a joint holder of a XXXX checking account and a savings account. In that I did not sign any document to remove my name from those accounts, it would be reasonable to conclude that my exhusband used the judgment to remove my name from the accounts, therefore, XXXX is aware that I am not an owner on the credit card and that the debt was awarded to my exhusband. XXXX has willfully and intentionally reported this bad credit on my report. 

I applied for a loan and due to XXXX 's reporting of over {$24000.00} in bad credit on my credit report, was denied a fair and appropriate loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Violated The United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports by furnishing my consumer report without my written consent please delete items immediately see attachments
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed that I had fraudulent account on my report. Please remove these account of my report, that is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Information from Credit Reports Account Number : N/A Dear WORLD FINANCE, I am writing to formally request the removal of my information from all credit reporting agencies in accordance with 15 U.S.C. 6801 and 15 U.S.C. 6802, which pertain to the protection of nonpublic personal information and its unauthorized dissemination.

Under 15 U.S.C. 6801, financial institutions such as WORLD FINANCE are obligated to safeguard the privacy of nonpublic personal information and to implement measures to protect such data. Furthermore, 15 U.S.C. 6802 requires financial institutions to provide customers with the ability to opt out of the sharing of their nonpublic personal information with non-affiliated third parties, such as credit reporting agencies.

I have not given my express consent for the sharing of my nonpublic personal information with credit reporting agencies, nor do I wish for this information to continue being shared. As such, I am exercising my right to opt out of any further information sharing under the provisions of 15 U.S.C. 6802. 

Please take the following actions immediately : Remove all instances of my personal and financial information from any and all credit reporting agencies to which you may have provided my data.

Cease any future sharing of my nonpublic personal information with credit reporting agencies or any other third-party entities without my express consent.

I expect confirmation that my request has been processed within 30 days of receipt of this letter. Failure to comply may result in further action, including filing a formal complaint with the Federal Trade Commission and/or pursuing legal remedies under the XXXX XXXX. 

Please send written confirmation of the removal of my information to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
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 {$730.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$730.00} -This is not my account.
Product: Vehicle loan or lease

PNC bank repossessed the car during the pandemic. The car was sold and the balance was supposed to be forgiven due to the pandemic but it's still on my credit report as a balance
Product: Checking or savings account

On or around XX/XX/2021, I became a victim of identity theft when an account was opened at TD Bank. I received a written notification in the mail that the account was opened. I subsequently visited the nearest TD branch to have the account closed ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) on or about XX/XX/2021. Thereafter I received a statement and decided to visit the branch again. On XX/XX/2021, I visited the location for a second time because of my concern. The account was opened with my personal details and I wanted to know what that information was. XXXX at the branch helped me and verified my identity using my driver 's license. I requested the application to review what information was collected but I was told by XXXX, who called TD 's Fraud line, at the XXXX XXXX location that because the account was opened online they would not share the account opening information with me. XXXX did let me know to open an account online, TD requires the customer name, ssn, address, and dob. The customer then needs to visit a branch to fund the account and provide ID and a signature card. After XXXX reviewed the account she said there was no signature card available for the account. She also said the account was likely funded electronically and not at a branch. It's distressing enough to be a victim of identity but it doesn't seem TD was vigilant enough and it was concerning that the application wasn't shared with me and that there was no signature card on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I filed a dispute letter with on XX/XX/2021 Transunion, XXXX and XXXX regarding a XXXX account number XXXX that was closed due to fraud and Transunion refuses to remove it. 

The account is being reported as bad debit when in reality it was fraud that XXXX XXXX never investigated. 

I spoke to an agent with Transunion today named XXXX XXXX at approximately XXXX and advised that under Federal consumer law, 15 USC 1681i A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This account went into collections even though I advised XXXX XXXX that it was fraud and they never investigated it or verified the debt. Additionally, XXXX XXXX placed a judgment to garnishment my wages and upon proof of facts that they were notified of the fraud and checks written on my behalf, I received a voluntary dismissal of the judgment and the case was closed. 

Additionally, as seen in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX a consumer reporting agency, was sued and the plaintiff won as the courts found that XXXX was furnishing inaccurate information because the plaintiff no longer owed the debt.
Product: Student loan

I contacted Mohela to inquire about the status of my PLSF refund check based upon the overpayment, I was told to contact student aid, gov. Upon contacting student aid, gov I was then told to contact the department of treasury, I had called several numbers within the Department of treasury to ascertain information regarding my refund but to no avail
Product: Checking or savings account

I was on XXXX checking on my order. When I signed in something blocked me from doing so and I called a number that I thought was affiliated with XXXX but come to find out this was not. It was actually a hacker. My wife told me to check my bank account and I immediately noticed that they had taken {$1100.00} from Bank of America. This occurred on XXXX XXXX. I called on the same day this happened to make a fraud charge to the bank. Come to find out the bank did not file the charge until XX/XX/2020. On the bank statement it is showing up as a charge from XXXX Transfer Confirmation The person name is XXXX  XXXX.. on both transaction. 
confirmation number is XXXX for the XXXX confirmation number is XXXX for the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account name XXXX  Account Number XXXX Account name XXXX XXXX Account Number XXXX Account name XXXX XXXX Account Number 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 whiten instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that receiving lost funds was impossible and that tracking these transactions was unfeasible. They CFPB 's finding s 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 consumers safety.
Product: Student loan

Nelnet/Department of Education noted that " I will need to reach out to those services to obtain your payment history. Per the attached information provided regarding loan history and payment history. No one has the payment, full history of, or even the interest rates for the time between XXXX to justify the loan amount. 
XXXX XXXX XXXX XXXX XXXX to XXXX - XXXX is no longer in business per your words American Student Assistance XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX These companies have no information that I was able to obtain and one is no longer in business. This information should have been provided to the next loan handler when they received this loan back in XXXX, however, they were not. No one can provide me with the full history of this loan so how can The Department of Ed OR Nelnet justify its existence if you don't have all the viable financial information, especially the interest rate of an account that went from around {$7500.00} to over XXXX? Nelnet even took money out of my account when they reopened it back in XXXX and it wasnt noted anywhere.
Product: Checking or savings account

Chase advertise about 5 % APY on CD account, so I opened one on line funded from my saving account, but after the action, the account show 0 % interest rate, then I went to the local branch to figure out why, and it turns out there is a small footprint of needing associated checking account only. 
since this does not make sense, I tried to let the banker to help me to correct this. and I was informed to wait 7 days. 
but 7 days later, my CD account is freezed, and my XXXX funding shows XXXX Balance and while my save account has already been cleared of the fund, and no one in the bank knows where is my XXXX balance.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I the consumer attempted to have my credit report updated to reflect the accuracy of the information necessary to be 'shared '. The accounts that are to be removed are XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies, I am the Consumer. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those. 
customers nonpublic personal information. '' ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) are a financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to XXXX, Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
As of XXXX, XXXX, and XXXX of 2024, I the consumer have sent correspondence to these entities in regard to my privacy as a consumer and according to 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Greetings, My name is XXXX XXXX, I am currently writing a complaint regarding the credit reporting agencies reporting inaccurately. XXXX XXXX Transunion and all other consumer reporting agencies. Please see attachments. 

Please remove all addresses that are not my main residence. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, remove all misspellings of my name. It is XXXX XXXX XXXX, not All these names listed on the report. Attached is my Drivers license as well. Id greatly appreciate these efforts to be executed within ten days, as its been over a month since Ive sent the letters via certified mail. 

Also please honor all on time payments, As Any credit reporting regardless of on time payments is still a violation of privacy. Privacy Act of 1974 prohibits. Monetary relief is requested upon this claim for all CCTs reported. including the reporting of XXXX XXXX bankruptcy XX/XX/XXXX and XXXX XXXX bankruptcy XX/XX/XXXX, continues to report. Ive Never given any written or authorization to report. This is heavily in my way of utilizing the full faith and credit the United States backs me with. 

Refer to : 15 U.S. Code 1681a - Definitions ; rules of construction 2. EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Checking or savings account

I reported fraud on my account XX/XX/2024. {$200.00} was withdrawn from my account on a non Chase atm. I did NOT do or authorize this transaction. I believe someone somehow got ahold of my debit card numbers and was able to make another card to withdraw the funds. I have asked them to provide camera footage to prove this wasnt me. They took back the credit and are charging me for fraud done on my account. I have done everything that they requested. I am not able to subpoena the camera footage on my own. They are asking me to prove it wasnt me even though I reported this and I have no other proof besides pleasing with them to obtain camera footage as I know this wasnt my doing. I should not have to pay for fraud done to me.
Product: Credit reporting or other personal consumer reports

My information was exposed in several data breaches, was the victim of identity theft, and several accounts were opened with unauthorized, fraudulent use. There are also numerous inquiries I have no knowledge of. 

Inquiries -- -- -- -- -- -- -- -- -- XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a notice from XXXX XXXX I have a negative mark on my credit score. The company is L.J. Ross and Associates with original creditor as XXXX XXXX. I have moved my permanent residence but have forwarded all of my mail and have never received any formal notices about any attempts to collect a debt from this company ; just a negative mark on my credit score. According to XXXX XXXX, the account was opened on XX/XX/22. It is now XX/XX/22.