23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I recently checked my credit report and I noticed several inaccurate items. I did my research on how the government/credit bureaus suggest I file my dispute. After going through the necessary steps I filed the dispute on XX/XX/XXXX and to this date XX/XX/XXXX I have not heard anything back from each bureau. I made them aware I just found out my information was compromised in the Equifax data breach. At this point Im afraid my information may have fallen into the wrong hands without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries by XXXX XXXXXXXX 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 or other personal consumer reports

RE : Bankruptcy File Number XXXX RE : Bankruptcy File Number XXXX RE : Bankruptcy File Number XXXX After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, Transunion, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). 

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my serious concerns regarding Zelles handling of disputes, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which exposes grave issues with the platform. Despite using Zelle numerous times and promptly reporting discrepancies, my financial institution and Zelle both failed to thoroughly investigate my claims. I was informed that recovering the lost funds was impossible and that tracking these transactions was not feasible. 

The CFPBs findings have made it clear that Zelle has not only failed to protect consumers but has also enabled repeat offenders to take advantage of the system, leaving users vulnerable to scams and financial exploitation. This blatant disregard for consumer safety, along with the platforms lack of accountability and transparency, is deeply troubling and absolutely unacceptable. I believe I am entitled to recompense for the harm caused, and I demand that this issue be addressed promptly and fairly.
Product: Vehicle loan or lease

Toyota of XXXX fraudulently sold me a vehicle warranty contract that claimed to have insured the EV battery on my used vehicle. 

Towards the end of my purchase, the finance manager very AGGRESSIVELY pushed a warranty that he claimed would cover my EV battery in the event of its failure, and was pretty much the whole pitch of his sale ; since he kept pressuring me to do so and because the vehicle was in fact an older XXXX model, I caved in and purchased it, including it in the financing of the total loan. 

Some time shortly thereafter, my used cars EV battery fails. Fine. I call up the name shown on my Toyota contract to get a repair arranged. The name of the company was XXXX. The service rep very kindly explained that EV batteries are in fact covered, but there was a small issue-I was not shown to have a service contract with them. I explain that has to be some kind of mistake as I recall insuring my vehicle, and Im staring at their name on my contract. 

So I call up Toyota of XXXX and they explain that my cars warranty is not under XXXX, it is under some OTHER insurance, which was shown on some other document he quickly had me sign, and in fact does NOT cover EV repair/replacement. 

Even though our Toyota contract clearly shows XXXX, and the purchase price of over {$2000.00} I paid next to it on the document, thats too bad because thats not actually what I have. At this point I am annoyed and explain that this is illegal and clearly a compliance issue on the part of whoever drafted this legal document, to which the rep quickly panics and says he has nothing to do with it and he will have the finance manager call me back. 


This is ironic to me as XXXX has already been reprimanded for the exact same thing ( relating to warranty service contracts ) and FINED BY THE CFPB BEFORE. So they either know and they dont care, or they can not be bothered to pay the extra money for compliance and regulation to avoid these issues. 

This has been greatly XXXX as I am now completely alone in having to pay for the repair/replacement of this EV battery, while also paying a {$2000.00} plus warranty service financed in a subprime loan that does not even cover the very thing XXXX claimed I should buy it for. 

This is fraud and I hope the CFPB involves themselves accordingly, they are my last hope in rectifying this.
Product: Checking or savings account

Im getting overdraft fees after having the money showing in my account populate late after spent
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone Number : XXXX XX/XX/year> Debt Recovery Solutions XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Debt - Account Number : [ XXXX ] Dear Sir or Madam, I am writing to formally dispute the validity of the debt you are attempting to collect related to The XXXX XXXX XXXX This account was previously deleted from my credit report due to identity theft, which I have reported to the relevant authorities. 

It is concerning that this account has suddenly reappeared on my credit report after being removed. This may violate the Fair Credit Reporting Act ( FCRA ), which requires that accurate and complete information be reported, and that consumers not be subjected to double reporting of debts, commonly referred to as double dipping. The practice of reselling debt that has been previously charged off and reported as removed raises serious legal and ethical issues. 

Under FCRA Section 605 and FDCPA Section 1692e, consumers are protected from deceptive practices, including the re-reporting of accounts that have been properly disputed and verified as fraudulent. I believe that your collection efforts on this account violate these federal laws. 

As such, I demand that you provide validation of this debt, including proof that I am responsible for it, and that you cease all collection activities until such validation is provided. 

Thank you for your immediate attention to this matter. I expect a prompt response confirming that this account will be removed from your records, as it should not have been reported again. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I closed my Chase checking account in XXXX by sending Chase a letter via mail. Chase conveniently ignored the account closure request so they can charge low balance fees. They have twice charged me low balance fees on an account that should be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit reports and noticed the inquiry. I have not done business with the company. They will not remove it.
Product: Debt collection

On XX/XX/2018 my mother received a phone call ( which went to voicemail ) from XXXX for me regarding important legal paperwork that I needed to sign. My husband, XXXX XXXX, called them back on my behalf. He was transferred to someone who said their name was " XXXX. '' XXXX implied that a lawsuit had been filed against her regarding a credit card debt from Chase Bank that is more than 10 years old. He said we could go before the judge to dispute it. Originally, he said that he worked for a company called XXXX or something like that. He said the suit was filed by " XXXX XXXX XXXX. '' XXXX said that they tried to serve my wife papers at an address that she no longer lives at. They did have our current address, so why they didn't try that too is beyond me. 

My husband told XXXX that this debt was over 10 years old and well past the statute of limitations for collections ( which is five years here in Florida ). XXXX said that his company would send us some paperwork in the mail. When asked him for the contact information of the company he was calling on behalf of, he would not give it to us. He repeatedly asked for this, but XXXX refused and hung up. 

My husband called back and asked a woman who answered what company this was that he was called. She said " XXXX XXXX XXXX. '' He asked her to please spell that. She just repeated the name. He asked her over 10 times to please spell the name of the company, which she finally did. She would not give out any other contact information about the company. She then transferred him back to " XXXX. '' Keep in mind that XXXX said he worked for some other company that was hired by XXXX XXXX XXXX. XXXX refused to provide any further contact information and hung up. 

My husband called back again, but to a different number provided in the voicemail, XXXX, It went to the same place as the other number. He asked the man who answered for the address of XXXX XXXX XXXX, which he refused to do. Eventually, the man said that the company had " three offices '' and " which one do you want? '' My husband asked to know where the offices where so he could get the information on the proper one. The man refused and hung up. 

Everything this company is doing is illegal. EVERYTHING. We don't want a response from them, we want them shut down. If they were calling us from outside of Florida, they are most likely committing federal crimes.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax on or around XX/XX/ responded to my letters without following FCRA guidelines. They were unable to verify the accounts on my consumer reports with my signature within 30 days. 

XXXXXXXX XXXX XXXX AMMOUNT : {$69000.00} ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AMMOUNT : {$750.00} ( XXXX XXXXXXXX XXXX XXXXS LATE PAYMENTS NEEDS TO BE REMOVE REASON : 15 U.S CODE 1681a- ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report. 



INQUIRIES NEED TO BE REMOVED. I DID NOT AUTHORIZED THEM. THESE COMPANIES DID NOT PROVIDE AND SIGNATURES SHOWING THIS
Product: Mortgage

Mortgage # XXXX In XX/XX/XXXX, XXXX XXXX contacted me about refinancing my second mortgage. After providing all necessary information, including authorization to check my credit, I agreed to proceed with the application and paid a {$100.00} application fee on XX/XX/XXXX, using my credit card. XXXX XXXX explicitly assured me that this fee would be refundable if I decided to cancel the loan application or if the loan did not go through. 

Unfortunately, the service provided by PennyMac fell significantly below acceptable standards. Repeated requests for the same documents through the Dashboard, lack of clarity in communication, and inconsistent follow-ups led me to lose confidence in their ability to handle the refinance process. As a result, on XX/XX/XXXX, I emailed XXXX XXXX to withdraw my application and requested a refund of the {$100.00} application fee. 

Despite my communication and follow-ups, I have not received the promised refund. I sent another email to XXXX XXXX on XX/XX/XXXX, reminding him of my prior request and expressing my dissatisfaction with the delay. However, there has been no response or resolution from him or PennyMac. 

The lack of professionalism and failure to honor the promised refund are unacceptable. Therefore, I am seeking your assistance to address the following : Ensure PennyMac processes and refunds the {$100.00} application fee immediately. 
Hold PennyMac accountable for the poor customer service and lack of follow-through. 


I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me at XXXX or XXXX if additional information is needed.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint regarding an unresolved issue with Bank of America related to a fraudulent check scam that occurred in 2019. I believe I was a victim of a scam and was not given a fair opportunity to address the situation or provide critical information during the banks investigation. 

In XX/XX/2019, I unknowingly became involved in an imposter check scam. I deposited a check into my Bank of America account, and a few days later, the check cleared and was marked as completed. The individual who provided me with the check appeared credible, even supplying a Social Security Number and drivers license for verification. Believing the transaction to be legitimate, I transferred {$4600.00} back to this individual in four separate transactions on XX/XX/2019.

The following day, the check was marked as bounced. I immediately contacted Bank of America to report the situation and described the fraudulent activity in detail. The bank assured me that they would follow up on the matter.

Shortly after the incident, I relocated from XXXX  to XXXX. Unbeknownst to me, Bank of America sent a letter to my former XXXX address requesting additional information about the case. I never received this correspondence and, as a result, was unable to provide the requested information to aid in their investigation.

Recently, a friend discovered this letter while cleaning my former apartment. Upon learning of its existence, I immediately contacted Bank of America to follow up. However, the bank informed me that too much time had passed, and they were unable to reopen the investigation or provide further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4 SSN:XXXX My identity was stolen in early 2018 and multiple credit cards we taken out in my name. They were charged off and sent to collections. 
I have disputed these many times but the credit bureaus and the companies will not help me. Customer service for the companies and the bureaus would not help and remove and take care of the fraudulent accounts and inquiries reporting to my credit report. These are only a few of them I am requesting removed, along with there inquiries. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2018 Balance {$460.00} Credit limit {$350.00} Account type Charge Off Revolving Yes Open No XXXX  XXXX XXXX  XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$0.00} Credit limit {$300.00} Account type Charge Off Revolving Yes Open No Authorized user No XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$870.00} Credit limit {$0.00} Account type Collection Revolving No Open No Authorized user No
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$240.00} XXXX  XXXX {$68.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1100.00} US DEP ED XXXX {$2600.00} XXXX XXXX XXXX {$3500.00}
Product: Money transfer, virtual currency, or money service

The PayPal permanently ban my account and preventing me to withdraw my remaining balance without telling me any valid reason. I hope you can help me with this.
Product: Debt collection

Nationwide Recovery currently is attempting to collect on a debt from " XXXX XXXX XXXX '' that is not owed by me. I have not done any business with Nationwide or " Nationwide recovery '' I've attempted to resolve the matter with Nationwide and " XXXX XXXX XXXX '' several times and have gotten no resolve. I've asked for written evidence that this debt is owed by me with my signature and some sort of identification proving that I've engaged in business with this company. They have failed to provide any evidence, but want to pay on a debt they aren't even positive that is mine. I am prepared to take legal action against this company for failing to protect my rights un the FCRA and their predatory collection attempts. I demand they they remove this collection from my credit report immediately and stop all collection further efforts.
Product: Debt collection

XXXX XXXX XXXX mailed me a letter to my mothers house stating i was being sued i contacted them that i am unemployed and currently ill. they stated they would be suing me, very unprofessional I told them once i got a job i would contact city bank to pay they told me not to contact them and that they would be sueing me. it was a very harassing and intimidated phone call. Beware of XXXX XXXX XXXX they want to coerce you into paying your debt and that is unlawful for a law group to use there position to threat a citizen and bring fear upon them in order to have them pay a bill. IT is an unlawful way to collect debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through the CFPB on XX/XX//2022 in regards to XXXX XXXX XXXX XXXX account I have on my TransUnion credit report profile I got a response from TransUnion in this response they claimed they performed a thorough investigation and ALL INFORMATION came back as true and verified. I went through my documents and found that this response was fraudulent inaccurately reported. The false and illegally reported information had never been corrected or addressed. Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The following companies has violated my rights. 

XXXX. XXXX  - Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX acct 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I asked you to investigate this account and after your investigation the errors still weren't fixed, so on XX/XX/XXXX I asked you to reinvestigate this account, but the errors still weren't fixed. This account shows it was charged off every month from XX/XX/XXXX to XX/XX/XXXX. That is 14 months in a row. An account can only be charged off one time. Once the account is charged off, it can't be charged off again. This is hurting my ability to obtain credit, and is a violation of the FCRA. I either want the fixed, or this account to be deleted entirely in accordance with the Fair Credit Reporting Act.
Product: Checking or savings account

Today XX/XX/year> I called customer service to increase the daily limit, because I need to make 2 purchases in XXXX for an amount around {$900.00} twice, the override was done without any problems, and the first transaction did go through, but the second transactions was flagged as possible fraud. I didnt receive any call or text message on my phone number registered with the bank, only the email with the case number XXXX. I called the phone number indicated on the email, after a few questions the representative told me that the phone number is not eligible to receive one time passcode, and I was referred to a branch. Im travelling in XXXX, Im not XXXX resident and I live in XXXX. So, they told me I can send a utility bill and passport to be verified. 
This phone number was updated on XX/XX/XXXX from the old number XXXX XXXX XXXX to XXXX XXXX XXXX XXXX prepaid mobile phone US Mobile under my own name, so XXXX cant guess what is an " eligible '' phone for the bank to be able to get those codes.
Product: Credit reporting, credit repair services, 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  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 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.