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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth :XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX These Addresses have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned Addresses, Names, or hard inquiries .The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned Addresses, Names, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit addresses, names, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are erroneously reporting a bankruptcy on my credit report. I have disputed this several times. XXXX is the only bureau that complied to my request. I have a XXXX reporting allegedly from th

e U.S. Bankruptcy Court, which is false. In addition, per FCRA Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy. AND 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 my rights were violated.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles 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 recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ PNC Bank in New York. I advised them I 've never had an account with PNC and filed a complaint with PNC directly today XXXX XXXX, XXXX. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in XXXX.
Product: Checking or savings account

Unresolved Issues with Bank card and Accounts - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  To : XXXX XXXX XXXX : XXXX XXXX XXXX Dear XXXX XXXX Resolution Manager | Client Advocacy Team As of today, XX/XX/XXXX, my account is still frozen and forced me to drain my checking account -illegally by using it as leverage to cover my broker account. I'm puzzled by your incorrect letter on XX/XX/XXXX and XXXX XXXX and wild explanations!! Why would I ( a reasonable person standard ) close my own credit card on vacation in XXXX?? You have several letters documenting the facts. The fact remains it was your Rep who used bullying and coercive techniques to freeze 3 accounts. We believe, this action is breaking a series of banking and SEC regulations. It is my understanding Schwab policies are trumped by federal and state laws. I lost way too much money in the XXXX unprovoked account freezes and improper mathematics to simply have the matter buried by inaccurate nonsense!! I have filed a FINRA complaint with XXXX XXXX in. Washington DC and expect Schwab to produce the recordings of bullying reps forcing me to close my banking account and data I requested for mediation and or court. I think the federal government needs to see how small investor, and XXXX US citizen, is treated by your firm. I know Schwab and other broker-dealers are afforded guard rails given by SEC but XXXX we believe your actions have strayed outside the lawful industry standards. I teach finance at the University level for 25 years. I discuss the law as written. I have 2 other brokers and checking accounts. I do not have any of these problems. Why?? I request a credit of {$32000.00} in cashier 's check plus the proceeds from my frozen accounts. All my best, XXXX XXXX I request a credit of {$32000.00} in cashier 's check plus the proceeds from my frozen accounts and damages caused by your improper handling of my account. All my best, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, Lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   VA   XXXX   SS #   XXXX   dob  XX/XX/XXXX  Experian will not remove the unauthorized inquires from my credit report. I sent a certified letter see mail receipt dated   XXXX   XXXX   XXXX  .
for them to investigate and remove the unauthorized inquires.
they have refused to delete the unauthorized inquires!!!!!
Delete the unauthorized inquires see below and see attached letters.
  XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX   Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed   XXXX   Type Sales Financing Company Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX    Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    Date Filed   XXXX   Type Tenant Screeners ( Reseller ) Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX    Type Auto Financing Companies Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Finance Companies - non specific Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX and Experian concerning unauthorized credit inquiries on my account. XXXX sent me a letter regarding the inquiries are accurate with no validation sent to my address. Experian claims to have never received my letter which contains personal information someone can use against me. Validation of credit inquiries upon request is my right according to the FCRA. I have yet to receive any documentation sent to my address. My XXXX XXXX account was also hacked causing me to change my password and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX treadmill on a promotional 12-months 0 interest through TD Bank. I paid the card on time and within the12 months. In addition of TD Bank posting the account as paid in full, they reported me as DECEASED. I wouldn't have known this except I was trying to get a mortgage and my bank told me that Experian and Equifax showed me DECEASED based on TD Bank 's report. I called TD Bank and they told me that they even had a death certificate on file for me! I called multiple times for them to remedy this. I called XXXX and XXXX also but I could not prove to them, to their satisfaction, despite answering all their questions to my identity, that I am in fact ALIVE! I was unable to get the mortgage due to these errors on my credit report and the inability or unwillingness of these companies to correct their errors.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Attorney XXXX XXXX XXXX demanding that I return his client, XXXX XXXX ( owner of XXXX XXXX ) payment that was posted on my Capital One credit card. Immediately, I had contact Capital One several times to ask them to return the money to the sender. Each call to them, I was informed it could not happen because the method of payment received and I have to return it to them. In XX/XX/XXXX, I had returned a payment of {$2900.00} to Attorney XXXX via XXXX XXXX, per his instruction. In XX/XX/XXXX, Capital One chargeback {$2900.00} on my account and closed the account without any explanations. Immediately, I had disputed the charge every month with all three Credit Bureaus, only to receive letter from Capital One stating there is no fraudulent activities on the account and {$2900.00} is my responsibility. Then I file a compliant against Attorney XXXX with Columbus Bar Association ( CBA ), whom responded via letter dated XX/XX/XXXX, that Attorney XXXX had died on XX/XX/XXXX and prior to his death, he was not practicing law. And it is there belief that I am a victim of fraudulent activities because someone had used the Attorney 's identify. CBA confirmed all the information in the email I sent to them is accurate but it was not from Attorney XXXX. Immediately, I provided the Credit Bureau and Capital One a letter from the CBA. Capital One responded stated based on their investigation, I am responsible for {$2900.00} and their previous decision remains. XXXX XX/XX/XXXX, I called Capital One and demanded answers because my call kept getting transferred four times. The I demanded to speak with their fraud department, especially after receiving the letter from CBA. Spoke with XXXX ID # XXXX, finally admitted that the payments were received came from an unauthorized account and fraudulent activities had occurred, resulting in them closing my account. Now I have great concerns, had Capital One exposed this information back in XX/XX/XXXX, I would have NEVER sent {$2900.00} to so-called Attorney XXXX. I have nothing to gain for doing that. Had Capital One informed me of these fraudulent activities back in XX/XX/XXXX, I would had reported it immediately. I don't have a history or pattern with engaging in these types of foolishness. My credit is ruined because it reflects a high debt with a closed account. I am not able to receive another credit card and it's having a negative impact in securing employment from companies who performs credit check. Why didn't Capital One inform me back in XX/XX/XXXX? Why didn't Capital One investigate this back in XX/XX/XXXX? They were the only ones who knew how payments were accepted. Why is Capital One able to misinform the consumers, damage credit history and force someone to pay a charge they knew was fraudulent? I had attached the letter from CBA and Capital One. Please help me understand how Capital One has no accountability ; and to resolve the {$2900.00} plus excessive fees and a damage history. Most likely if this happened to me, there are other victims too.
Product: Credit card

This was a Kohls store card. I asked for accuracy in my account. Kohls previously sold the debt to another company and now that company no longer has my debt. I contacted Kohls for accuracy in the account and instead they retaliated in an unfair and illegal manner staining my credit report and marking my account off as a charged off account but the debt is nowhere to be found anywhere else. They never reached out to me after I kept asking how to pay my account. My late payment status that I was working on all year just got destroyed because the company I was asking clarity for instead personally went out of their way to only update the information they care about which is also false. I have no idea how to pay my debt and every time I ask they keep marking my account XXXX charged off. This account had been open for years with the same amount never once was it charged off. This feels like a personal retaliation that is completely unfair on my report and my efforts. I have been trying to pay this account for a year now.
Product: Checking or savings account

XX/XX/XXXX Issued check # XXXX from Wells Fargo Bank , N.A . to " XXXX XXXX XXXX '' in amount of {$38.00}. Mailed in USPS Box located at XXXX XXXX XXXX XXXX, TX XXXX. 
XX/XX/XXXX check # XXXX was processed. Funds withdrawn from our account, changed to {$4000.00} and payee changed to " XXXX XXXX '' XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked if check # XXXX was valid. 
XX/XX/XXXX We returned call & stated, " No, this check has been altered ''. 
XX/XX/XXXX Visited Wells Fargo Bank , N.A . & filed Fraud Claim with XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX came to our home, took report & issued " Case Number '' XX/XX/XXXX We contacted United States Postal Service Inspector & filled claim. 
XX/XX/XXXX Went to Wells Fargo Bank , N.A . & filled out 2nd Check Fraud Claim due to the fact employees at Wells Fargo Bank , N.A . could not find the original from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the deletion of account NATIONAL CREDIT SYSTEM XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. The original creditor did not verify the account, nor the balance listed on my credit report. NATIONAL CREDIT SYSTEM is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account NATIONAL CREDIT SYSTEM from my credit report immediately.
Product: Checking or savings account

On XX/XX/2023, I received 3 emails saying I opened up an account with Bank Of America to apply for a credit card and I do not bank with that bank. When looking at the other emails it says it got denied due to having the wrong information. I called Bank Of America and gave them my SSN and they see that the account was applied for and did tell me that whoever tried making this account will not be receiving any money from my bank account.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XX/XX/year> - Submitted a complaint to CFPB about XXXX  and I requested the School Misconduct Application that I read about in an article as the university I attended committed misconduct. 

XX/XX/year> - School Misconduct Application received through XXXX  XXXX XX/XX/year> - XXXX XXXX reply : " Additionally, we understand that you are requesting information our recently implemented School Misconduct discharge program. Since XXXX was a for-profit school at the time of origination, weve determined that your XXXX loans disbursed to XXXX meet the applicable criteria to apply for discharge. Therefore, we are sending you a School Misconduct application under separate cover. It will be very important for you to review the application thoroughly and complete all the questions. '' XX/XX/year> - Submitted application to XXXX  XX/XX/year>- Was notified that my application was received XX/XX/year>- Was notified that my application bas been denied with a vague comment in denial letter : " XXXX  carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I was told that the loans meet the criteria for me to apply for discharge. Now with the latest response from XXXX during their transition into Mohela, it seems vague and perhaps rushed since XXXX  had been banned to provide service in the student lending industry due to predatory lending. I would like a specific breakdown/understanding how they came to the conclusion that I do not meet the requirements as I disagree and submitted proof/documentation. What are those specific factors?
Product: Debt collection

The company provided an invoice that has an incorrect amount owed. 

The invoice has fees that were marked out and a new balance calculated but the calculations are incomplete. 
There is an additional {$350.00} that should be deducted from the {$910.00}. 

PER THE INVOICE PROVIDED BY CREDITOR : Original Balance at move-out : XXXX Applied Deposit : XXXX Total account balance due : XXXX The invoice was updated to exclude some amounts which were crossed out. 
New balance at XXXX Applied XXXX XXXX account balance due : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed are Fraud! I am a victim of identity theft and did not make these charges whatsoever! I've included the FTC Affidavit. Please remove these alleged accounts as they are causing me harm & inconvenience as a consumer. I have not opened anything in the last few years. I placed a security freeze prior which didn't seem to help seeing as there was a XXXX XXXX opened in my name recently this year. Please remove these fraudulent accounts. I XXXX XXXX am making this complaint!
Product: Money transfer, virtual currency, or money service

I tried withdrawing my funds from the company but they didnt allow me to get my deposited funds back. The CEO of the company XXXX XXXX manipulated me and many others into thinking that our funds are safe and that the company operates as a bank, while instead of giving out loans with my money, they were investing in risky assets as unregulated hedge fund.
Product: Credit card

On XX/XX/XXXX, we used a AAA Comenity Bank Visa card to pay for a large medical bill, which was approved. 

On XX/XX/XXXX, I logged into our account online and changed the automatic payment amount from " Statement Balance '' to " Minimum '' to allow us to move money from other accounts to pay the balance at a later date. 

When initially setting up the automatic payments, there was a warning that setting it up could take 1 to 2 billing cycles, but there was no clear warning about making changes once autopay was setup. 

On XX/XX/XXXX, AAA Comenity Bank withdrew the full statement balance of {$12000.00} from our bank account instead of the minimum payment I had requested, overdrawing our accounts on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX couldn't stop the transfer and Comenity Bank couldn't either. The representative from Comenity suggested having the bank refuse payment, which would return the funds to our account but incur a {$28.00} fee. I was told that a second attempt to withdraw the funds would happen that same day but our bank would not process the payment. 

The Comenity Bank representative instructed me to contact them on XX/XX/XXXX to make a partial payment instead after the funds were returned. 

On XX/XX/XXXX, I terminated ALL automatic payments for Comenity Bank and received confirmation via email. 

On XX/XX/XXXX, Comenity Bank withdrew {$12000.00} from our bank again in spite of our telephone conversations and my online activity to prevent it. This time, there were fund necessary to cover the transfer, but those funds were earmarked for other payments. 

On XX/XX/XXXX, I contacted Comenity Bank to have the transfer cancelled as I withdrew my consent and was told that because of the amount, returning the funds would take 5 days electronically. 

I asked to speak with a supervisor who told me that she would NOT return the payment unless I had the bank fax Comenity Bank confirmation of the payment on their letterhead even though they showed the funds already in their accounts. They then said that the returned payment would take 21 days.
Product: Payday loan, title loan, personal loan, or advance loan

This is a follow up as I have also filed a complaint with the Federal Reserve Consumer Complaints and they stated that the CFPB has oversight of this area. I am attaching the Amortization Schedule for this loan. Based on the Schedule I will have paid XXXX XXXX XXXX XXXX XXXX XXXX loan. I have paid over XXXX XXXX toward the loan and the remaining balance is still over XXXX XXXX I have also filed a complaint with the State of New York Attorney General Office for assistance with this matter. The gentleman that I spoke with the from BHG Financial attempted to tell me that their practices are in line with the standard industry practices which I dont believe that to be true. If necessary I will file a complaint with the congressional office for assistance as well. BHG Financial is conducting predatory and unethical practices and need to be looked into.