23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

wells fargo forclosed XX/XX/2018 after 2 to 6 times tried to a modify i want to know the numbers and how much we were off by on each denial thank you
Product: Credit reporting or other personal consumer reports

I am a federally Protected consumer and my rights were violated by XXXX XXXX XXXX under the EQUAL CREDIT OPPORTINITY ACT, TRUTH IN LENDING ACT & FAIR CREDIT REPORTING ACT. See attachment for details.
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 lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights serious shortcomings within the platform. Despite my frequent use of Zelle and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible.
Product: Bank account or service

We finance a bed bought at XXXX in XXXX 2014. We return the bed and upgraded to a different bed in XXXX 2014. Originally there was no interest for 3 years. Since we returned our other bed and upgraded to a different bed, there was a additional cost of {$610.00}. finance for 6 months. 
Wells Fargo does combined billing on XXXX statement which is confusing and a little deceitful to the consumer, so now we are having to pay finanace charge on the 6 month portion. If we would have known, and the billing was billed separately, we would have paid that part off.
Product: Debt collection

XXXX XXXX # XXXX This is my second complaint against this company. 
1st complaint XXXX XXXX XXXX emailed me 23 times and threatened to sue me for theft of services and told me I would go to jail for this. 

This was a business loan even though it states in the contract that this is not a loan. But i received money which I started to pay back immediately but then was unable to do so because my bank closed my account for being negative. Because my business stopped operations for the summer due to Covid. I tried to contact them to let them know my business would not be operating for the summer but their website does not have an email address or a phone number listed. They did not 6 months ago and still do not to this day have any phone number or email listed. 

Also, I am not a personal guarantor for this loan. 

This time XXXX XXXX XXXX called me again but she was impersonating someone else. 
She claimed her name was XXXX XXXX. But this was the same person I spoke with last time. She threatened me with the same actions as last time, threatened to sue me for theft of services and jail time.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX, XXXX Account Number : 519. 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 2. Account Name : XXXX XXXX XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 3. Account Name : XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 4. Account Name : XXXXXXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX # XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX forward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the XXXX time I have requested my personal info be updated. My current and only address is XXXX XXXX  XXXX  XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Product: Debt collection

I have to XXXX XXXX set up my paperwork from # XXXX national credit adjusters   address XX/XX/XXXX XXXX XXXX XXXX XXXX ca XXXX I agreed it XX/XX/XXXX to XX/XX/XXXX final XX/XX/XXXX someone called me bother stop finance and chase to that like try threat XXXX and let you know it I take now set up please stop me bother us I am XXXX only my car sleep is rough thx
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB XXXX SERVICES, REQUESTED OWN XXXXActions that was taken Unauthorized inquiries own my XXXX Credit report.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers.

XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Debt collection

Summer of 2020. I was behind on rent. Didnt receive an eviction notice or anything. So was confused about the amount that was due. Ended up moving out. Still had time to pay {$1900.00}. However now they saying I owe XXXX which I had no acknowledgment of. Asking for a good will removal. This had caused my credit to be terrible bad & not only that but caused me to be homeless.
Product: Credit reporting or other personal consumer reports

I am submitting this request to the credit bureaus with a sense of urgency and concern about the inaccuracies on my credit report. I have always taken pride in maintaining my financial integrity. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, consumer reporting agencies are required to ensure that any information provided in a consumer report is accurate and has a permissible purpose. 
I have identified the following items that are inaccurately reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS MY XXXX NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITICARDS CBNA add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking which resulted in identity theft. I mailed in supporting documents and have not be given a proper response. The information listed below, which appears on my credit report, is the result of that trafficking. 
1. 
FACTUAL DATA Date of inquiry : XX/XX/XXXX XXXX. I was a victim of human trafficking CISCO Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. 
Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The lists of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

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 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

In late XXXX my identity was stolen and I called XXXX XXXX to find that the person who had stolen my identity, XXXX XXXX, had applied for and been approved for a loan with XXXX XXXX. At the time I was assured that the loan would be stopped before it went through and nothing would show up on my credit report. While talking with XXXX, a representative from XXXX XXXX was on on line and can attest to all of this conversation. The conversation was also recorded. I then submitted a police report to XXXX finance attesting to the fact that my identity had been stolen and that the loan was fraudulent. 

About one week later, I received notification that there was a new line of credit on my credit report for {$29000.00} with XXXX finance. At that time I called again and was assured that the line of credit would be removed from my credit report and I would not ever be asked to pay money as the financing was fraudulent. The car was never received because the co-applicant, XXXX XXXX, returned the vehicle and admitted to using a stolen identity to attempt purchase. The car dealership in question, XXXX XXXX XXXX, confirmed that they returned payment to XXXX finance and assured me that this had already occurred. 

On XX/XX/year> I received a bill from XXXX finance in the amount of {$740.00}. The contract number is XXXX. I called to request that it be cancelled and removed from my report and was told that I needed to resubmit my evidence of Fraud despite the dealership cancelling and repaying the loan.
Product: Mortgage

I am behind on mortgage payments due to medical reasons. I applied for assistance from my loan servicer Seterus. My mortgage account was charged ( XXXX ) in legal fees seven days after submitting application for assistance. The following month I was served foreclosure papers. I feel Seterus is in violation of The Dodd Frank Act.
Product: Debt collection

This action is on my report i am being sued for {$360.00}. As soon as i received this information of the matter, I made a police report. My mail box was broken into which i reported to the police. I had to have the office obtain my mail. That is when i learned of the account
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT, THANKS
Product: Mortgage

MT Bank charged me a fee of {$360.00}. They claimed it was for legal fees of previous lender ( XXXX XXXX  ). Their employee XXXX XXXX investigated the matter and came back with information that the {$360.00} fee was for fees. He said that the fees was for 24 months of inspection cost of 14 day. This is totally illegal. They are making up stuff to cover up the fraudulent activity. I am so frustrated with this bank. Its so unfavor. I want my money back.
Product: Credit card or prepaid card

Instead of protecting me and my account the company continued to allow the people use of the accounts and then subsequently kept all of my money and closed the account and provided no information to me the owner of the accounts
Product: Credit card

I was given a credit card application in a Best Buy store XX/XX/XXXX. I used that card to purchase a laptop and a few other small items. I was told my card had a limit of {$1500.00}. I was not told anything else and I did not use this card ever again. I was never told there was any promotion tied to the account. When I logged into pay my bill, I noticed that last month my balance went from approximately {$500.00} to over {$1000.00}. This was solely due to a deferred interest charge and attendant finance charges. 

No one from Best Buy ever told me that I was accruing interest or that I needed to pay-off my balance in full by XX/XX/XXXX. If they had, I would have done so. When I called to complain, a Best Buy representative told me this was a common complaint, particularly for customers who were enrolled in paperless statements and he understood why I was misled. He attempted to override the imposition of the interest charges but was unable to do so because of Best Buy corporate policy ( according to this representative ). 

I find it extremely deceptive and abusive to provide no disclosures about the terms of a credit card during holiday shopping season and then, nearly two full years later, apply a 100 % increase to my balance through a deferred finance charge. Had I been told I needed to pay-off my balance in full, I would have done so immediately and avoided this {$500.00} charge.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, and several other times, I initiated a dispute concerning inaccuracies found on my credit report. This was my first communication regarding the issue, and I sent letters to all relevant credit reporting agencies to raise my concerns. 

Upon receiving responses from the credit bureaus, I learned that XXXX was identified as the furnisher of the disputed information. How I dont have a clue due to permissible purpose and no written consent. However, when I contacted XXXX for clarification, they stated that the court system was the actual furnisher of the information in question. 

To further investigate, I reached out to the court system directly, only to find that they confirmed they do not furnish any information to XXXX. This contradiction suggests that there is misinformation in the reporting process, leading me to believe there is a breakdown in accountability. 

As a result, I am requesting that the inaccurate information account or affiliated with it as listed ( Chapter 7 bankruptcy case # XXXX ) be deleted from my credit report immediately, as I have attached proof supporting my claims. This situation raises serious concerns about civil noncompliance and civil neglect regarding the handling of my dispute under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated several federal statutes within the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain the following : XXXX information solely as to transactions or experiences between the consumer and the person making the report XXXX any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Therefore, my credit card accounts that show balances are a violation of the FCRA and must be removed immediately. 

These account should not show the amount of credit I have been extended or approved for. 

The following account balances shall be removed immediately : XXXX. XXXX XXXXXXXX XXXX USA XXXX XXXX XXXX XXXXXXXX XXXX USA XXXX XXXX. XXXX XXXXXXXX XXXX USA XXXX XXXX. XXXX FED CREDIT UNI XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX