23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

In XX/XX/2023, I lodged a fraud claim with Bank of America prepaid cardholder services. Over the preceding year, I diligently furnished them with multiple documents substantiating my fraud allegations, including a police report, an identity theft report, detailed incident statements, and personal identification verifying my identity. Despite this, Bank of America summarily dismissed all three of my claims, failing to fulfill their legal obligation under Regulation E to conduct a thorough investigation. I have also, opened a fraud appeal with the CA Unemployment Department. I currently do not have a hearing date but I will attach the documentation.

In contravention of the Electronic Funds Transfer Act and Regulation E, Bank of America neglected to provide me with documentation delineating their investigative efforts, instead repeatedly furnishing me solely with a transaction history of the card, which is immaterial as I neither authorized nor engaged in those transactions. This pattern of behavior suggests a failure on the part of Bank of America prepaid cardholder services to fulfill their legal mandate to investigate fraud claims diligently. 

As a victim of identity theft, I have been subject to further distress due to the inadequacies of Bank of America prepaid cardholder services over the past twelve months. Despite multiple complaints lodged with the Consumer Financial Protection Bureau ( CFPB ), no remedial action has been taken. I implore the CFPB to hold Bank of America prepaid cardholder services accountable for their egregious mishandling of my case. The legitimacy of my claims, identified by the following reference numbers : XXXX, XXXX, XXXX, warrants due consideration and approval.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed Loan Servicing Company has transferred my Federal Student Loans over to XXXX. Once I consolidated my student Loans, I was told by fed Loan that the loans that they were reporting on my credit report would be deleted and that the Consolidated loan would appear as one large loan. The Individual Loans are still reflecting on all three of my Credit Reports, XXXX, XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

Zelle scam. I am trying to sell an item on XXXX XXXX XXXXXXXX for {$400.00}. A potential buyer claims he has a business account. I received a scam email from a fake Zelle site stating the buyer will submit to me {$700.00}. The scam then requires me to return {$300.00} to the buyer. 

The scam Zelle email instructing me is Zelle pay XXXX The info below is the email address asking me to make a " refund '' - info : XXXX This email address is the intended recipient of funds I am to send him! 

" On Wed, XX/XX/2022 at XXXXXXXX XXXX XXXX XXXX XXXX wrote : Yes, please do. Kindly make a refund to this zelle info : XXXX Take a screenshot of the payment and send it to me so i can forward to the email I received. You should also do the same for verification of funds!! So you can be credited immediately!! "
Product: Debt collection

The company called me today. I called them back to see what they wanted. They demanded my social security number first thing, and when I asked if we could continue without me divulging that information they hung up. Sounds like a scam. I thought to myself, so I called them back and got the name of their company for this complaint.
Product: Debt collection

XXXX XXXX XXXX is reporting a charge off from the cash store on  my credit. First, its not my debt and i never had an account with the cash store.  Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.
Product: Credit reporting or other personal consumer reports

Per The Family Educational Rights and Privacy Act of XXXX  ( FERPA ), the school was not to provide transaction history and personally identifiable information from student 's records to any third party companies without consumer 's consent, therefore they violated this law by reporting transaction history to third party credit reporting companies without consumer 's knowledge and written authorization.
Product: Credit reporting or other personal consumer reports

I ordered my early warning services report and my entire banking transaction 's are listed in that report. According to early warning services the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and Early Warning Services are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).
Product: Debt collection

XXXX XXXX XX/XX/year> VIA CERTIFIED MAIL Transworld Systems Inc. 
XXXX XXXX way XXXX XXXX XXXX XXXX CA XXXX Subject : Cease and Desist Demand Pursuant to XXXX U.S.C. XXXX ( c ) Dear Transworld Systems XXXX, This letter serves as a formal demand that you immediately cease and desist all communication with me regarding the alleged debt " XXXX XXXX account number XXXX. Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), you are legally required to stop contacting me upon receiving this written notice, except to : 1. Confirm that you will cease communication ; or 2. Notify me of any specific legal action you intend to take regarding the alleged debt.

Your repeated attempts to contact me are harassing, intrusive, and unlawful under federal law. If you continue to contact me after receiving this letter, I will have no choice but to : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek legal remedies, including statutory damages under the FDCPA.

You must provide written confirmation within 10 business days that you have complied with this demand. Failure to do so may result in further legal action against your company.

This letter serves as formal notice, and I expect your immediate compliance. Please direct any necessary written correspondence to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX / XXXX /   2017 Capital One C redit Card charged on my account twice with the amount of {$120.00}.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account. 
2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX, and Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted Equifax in regards to unauthorized credit inquiries by XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX that appear on my credit report. Representatives told me that I could not dispute this hard inquiry with Equifax and that I needed to dispute with XXXX XXXX XXXX as they sent the information to Equifax. I stated I never did any business with XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( a ), Equifax is required to conduct a thorough investigation and provide proof that I authorized these inquiries. 

After requesting verification, Equifax failed to provide sufficient documentation proving that I authorized these inquiries under FCRA guidelines. Therefore, I am demanding that these inquiries be removed immediately.
Product: Debt collection

I am submitting this affidavit against Allied Interstate LLC who has chosen to send through mail, a debt collection letter that I received on XXXX. I have no contract with this company. I do not know who this company is. I do not know how this company has received my private information, location information, or any information that pertains to me. This is a clear violation of the FDCPA, and TILA. 
The alleged debt collector is trying to collect on a debt that I have no knowledge of. Again, I do not know who these people are, I have no contract with this alleged debt collector and this is clear identity theft using my personal information to collect on an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2020
Product: Checking or savings account

4 months ago, PayPal froze my account totaling roughly {$46000.00}. They cited potentially suspicious and illegal activity, but gave no specifics. I'm a XXXX military member supporting my XXXX grandmother back home and was using PayPal to cover many of her expenses. I've emailed and called them relentlessly, but have been shut down at every turn. It's the typical terrible customer service. They say they'll send instructions on how I can receive my funds in another 2 months. In the meantime, I can not transfer or withdraw my money. I'm glad to see them getting lit up for this insanity. Surely there are others like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  account # 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 15 U.S.C 168b A Creditor May not treat a payment on a credit card account under open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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

MoneyLion claims I opened an account with them on XX/XX/2021 for {$1000.00}. I have never opened an account and know this to be fraud. I have disputed this account and each time they claim it not fraudulently opened. First they say I have made 2 payments in XXXX and XXXX and only owe {$450.00}. I have checked my bank statements from my only bank account and have never made any payments to MoneyLion. MoneyLion refuses to provide any answers as I am not a account holder but on my credit report says that I own the account. I have never received any information via mail, email, electronic communication or phone. I have never wet signed it electronically signed any documents pertaining to this debt or account.
Product: Credit card or prepaid card

declined transtions and allways have to have card replaced it takes and lot of time and payment are not made because you have to notify company of changes.
Product: Credit card

To Whom It May Concern, I am writing to file a complaint against Synchrony Bank/Guitar Center regarding inaccurate reporting on my credit report and their handling of a disputed account. Despite my efforts to resolve this matter, Synchrony Bank continues to report the account as a negative item, causing significant harm to my credit. 

I have never opened an account with Synchrony Bank/Guitar CenteXXXX XXXX After noticing the account on my credit report, I promptly disputed it and filed an FTC Identity Theft Report to formally document that I did not authorize or open this account. Despite this, Synchrony Bank has refused to provide a validation of debt or any supporting documentation showing that I am indeed responsible for the account in question. 

Additionally, Synchrony Bank has reportedly sold the debt to Full Layer Recovery. However, they are still claiming ownership of the debt and continue to report negative information on my credit report. This is misleading and violates my rights under the Fair Credit Reporting Act ( FCRA ), as they are not able to substantiate the validity of the debt. 

The inaccurate reporting has caused damage to my credit score, affecting my ability to obtain credit and other financial services. I respectfully request that the CFPB investigate Synchrony Bank 's practices in this matter and take appropriate action to ensure the erroneous information is removed from my credit report and that they comply with all applicable regulations regarding debt validation and credit reporting. 

Please find attached copies of my FTC Identity Theft Report, my credit report showing the negative item from Synchrony Bank, and my previous correspondence regarding this dispute. 

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

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

I have filed numerous disputes with Transunion, XXXX, and XXXX over the past 60 days regarding inaccurate information on my consumer report, hindering my credit standing in obtaining credit. I have requested an investigation report and a re-investigative report to no avail. I was told that only consumer reports were given, not the investigation results. Transunion, XXXX, and XXXX must ensure their grave responsibilities to fairness, impartiality, and respect for my right to privacy. These consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information on my consumer report. This is not being done as I have to continuously dispute information repeatedly just for it to come back " verified '' with no information attached.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
I have previously disputed this item with you XXXX XXXX Bankruptcy and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Product: Checking or savings account

XX/XX/2020, ,Continued Issues, ,I also Heard That ( Mr XXXX XXXX ) was Fired Last. Week At That Wells Fargo Bank So What Is Company Doing About That Problem And Every thing else, ,So UnAcceptable He Stole From Me And. Some of Customers At The Company, ,So UnProfessional and So UnAcceptable!!, ,So What Is The Company Doing About It ( NOW )!! And Also Went To Get Cash At The Bank on about The 5 or 6, ,At The Wells Fargo Bank at XXXX XXXX XXXX , ,In XXXX XXXX NC , XXXX, One Of The Bankers was Very Rude, ,And UnProfessional To Me She Was A Older Woman, ,I Forgot Her Name But She Has Blonde Hair And Wear Glass, ,So UnProfessional!
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 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 an 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.