23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since Im XXXX XXXX XXXX XXXX and on heavy medication, my memory is not up to par however about 1 1/2 years ago, I received a signed by a XXXX County judge judgement t in favor of XXXX in the amount of {$1300.00}. I was shocked because I was never made aware I had a court appointment. This was done behind my back without my knowledge. Then every 4-6 months, Id receive the same letter. Then, yesterday, my bank, XXXX emailed me that a legal hold was placed on my account. After talking to XXXX, they told me that since I am direct deposit SSI that  my funds are protected but they took my XXXX year old daughters money from her high school checking account. She works 2-3 hours most days and had {$110.00} dollars. I called XXXX a d they said this was an old capital one credit card for {$500.00} but they now are representing Capitol One and they need {$2000.00} to release the lien on my bank account. I explained this judgement was done behind my back and it actually was fir {$1300.00} and he said now more attorneys fees added to it and they will continue to take my XXXX year olds money until I pay. The other option is that he will release the lien if I pay {$1500.00} up front. I told him I only have {$940.00} per month on SSI and my rent is {$870.00}. I ha e to rely on family to help me survive.I get food at food closets. I have no car. Im extremely poor. I need your help please. This is an outrage that XXXX are getting away with this.
Product: Debt collection

These people sent me a letter offering a financial recovery loan or basically a personal loan to help consolidate debt. When i responded to the offer, they called me and had me on the phone for nearly an hour collecting personal information, he ran my credit report while i was on the phone with him and then he reviewed my credit report with me item by item only to put me on hold for XXXX minutes and then came back to say that he could not offer me a loan but he could offer me a " debt verification ''. When I asked what that is specifically and how it relates to the original offer that was made by them, he got shifty and hung up the phone.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, specifically 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 unfeasible. The CFPB 's 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 consumer safety.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries listed on my credit report. I recently obtained a copy of my credit report and discovered several inquiries that I did not authorize and have no association with. These unauthorized inquiries are damaging my credit score and are indicative of potential fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified letter to Experian ( USPS Tracking # XXXX ) to request information regarding items listed on my credit reports. I sent the certified letter to the address noted on the Experian website. XXXX XXXX XXXX, XXXX, TX, XXXX. The letter contained all of the identifying information Experian listed on the Experian website, as well as a list of hard inquiries I was requesting information/documentation about hard inquiries on my report, per section 609 of the FCRA. In addition, the request was to provide me the documentation related to each inquiry, as well as remove any of the inquiries if they could not verify and provide me the documentation they used to verify the information they are reporting. This letter was confirmed delivered on XX/XX/XXXX by USPS. The original letter is attached. 

On XX/XX/XXXX, I received an e-mail ( also attached ) from Experian stating that they have not taken action on my request as a " precautionary measure. '' On XX/XX/XXXX, I sent another certified letter to Experian ( USPS Tracking # XXXX ), addressing the e-mail. In the contents of the letter ( attached ), I included the original letter I sent on XX/XX/XXXX. In the second letter, I included confirmation that the letter sent on XX/XX/XXXX was from me, acknowledged their response and refusal to take action on my request, and asked them to provide the information originally requested, per section 609 of the Fair Credit Reporting Act. 

It is worth noting that I followed the instructions listed on Experian 's website, XXXX XXXX XXXX XXXX. I attached the below-required information to both letters of correspondence to Experian. 

- Full Name ( Printed, and listed on picture of drivers license ) - Date of Birth - Social Security Number- All Addresses I have lived during the past 2 years - A copy of my government-issued Drivers License - A copy of a utility bill, bank or insurance statement, etc. I included my W-2 for XXXX. 
- I also attached a statement from XXXX XXXX XXXX XXXX to this new letter in case the W-2 did not meet the requirements, on the second letter that was sent on XX/XX/XXXX. 

On XX/XX/XXXX, I received an e-mail from Experian. The e-mail ( attached ) was the exact same response as the previous e-mail sent to me on XX/XX/XXXX, stating they are not taking action on my request as a " precautionary measure. ''
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and XXXX XXXX compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$440.00}
Product: Checking or savings account

XXXX was apparently hacked and someone tried to empty out of life savings account. First transaction we were able to stop it was both an electronic wire. Unforgivably the XXXX XXXX went through and now chase has denied out claim stating that the op address matches out device. We did not make this transaction. The amount was {$8400.00}. Please help us
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX EXPERIAN Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature I ask that these inquiries be removed and an updated report be sent to me.
Product: Student loan

I applied for a forebearance with my loan servicer Nelnet. I was granted the forebearance from XX/XX/XXXX- XX/XX/XXXX. I was granted an Administrative forebearance for XX/XX/XXXX-XX/XX/XXXX. My accounts show no past due payments. My accounts have been in forbearance off and on a few years. Nelnet is reporting my student loans as 90 days past due in XXXX XXXX and 120 days past due in XXXX XXXX. They are refusing to update my credit report despite granting a forbearance. They are refusing to provide written documentation on company letter head stating my accounts were in forbearance from XX/XX/XXXX- XX/XX/XXXX. They have provided documentation for XX/XX/XXXX- XX/XX/XXXX verifying my accounts are in forbearance. I 've repeatedly asked for this document. I was sent conformation in the form of an email directly from their company email address. They are denying their employee sent this, even after offering to provide proof. They will agree to verbally tell any lenders that my accounts were in forbearance during the months of XX/XX/XXXX- XX/XX/XXXX with my permission. Their verbal conformation does not fix the adverse effect that their false reporting is having on my credit score. This has caused request for credit, mortgage loans, and auto loans to be denied or calculated at a signifigantly higher interest rate. They have verified this false reporting when disputed with XXXX, XXXX, and XXXX. This is against the FCRA laws.
Product: Credit reporting or other personal consumer reports

Please make sure to include the dates on XX/XX/2023 that all letters were sent. 

Regarding erroneous information reported on my credit report, I filed disputes with XXXX, Equifax, and XXXX. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 60 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ).

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. When the last date a payment was made should be reflected.
Product: Checking or savings account

I have a total of XXXX  insufficient funds fee from XX/XX/2020 through the present date totaling an amount of {$1000.00}. Due to the coronavirus our household income has reduced dramatically and I am the only person with income in the household. I feel taken advantage of every time I attempt to rectify the situation because I am a senior. I was unaware of the amounts of fees being taken from my Social Security income deposited monthly to Chase. I have been a loyal customer for 10 + years and no other options have ever been presented to me by the customer service and no one ever seems to want to help. Again due to my financial crisis caused by this pandemic, I started looking into my account and noticed all the fees charged to me just in this year alone. 
I feel that the total amount of fees should be refunded as a financial hardship courtesy and other options to avoid these fees should be explained to me. 

XXXX XXXX XXXX
Product: Debt collection

That's not my signature on the document and they send this account to a 3rd party without my permission and they keep calling me after I have asked them not to on serval occasions
Product: Debt collection

I checked my credit report and noticed accounts on my credit that did not belong to or authorized by me. I quickly contacted police where they did a police report and provided me a copy. I then sent in that report as requested by the credit bureau along with other verifying information such as drivers license, utility bill and a copy of my social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with Equifax and XXXX. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years.

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in XXXX this has ever happened to me and I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me
Product: Checking or savings account

Good evening, Today I reviewed my checking banking account at Fifth Third Bank, XXXX XXXX XXXX XXXX, XXXX. And I found numerous fraud charges on my checking account. 


I spoke to the bank XXXX, and told him of my concerns regarding the fraud charges and he gave little to no advice on how to keep my account safe in the future from fraud charges. He also refused to give me information on what state oversight and federal oversight agencies that I could contact to gain assistance. 

I have been a victim of ongoing wire/bank fraud of my bank accounts XXXX XXXX XXXX XXXX , XXXX XXXX , Fifth ThirXXXX XXXX XXXX XXXX, XXXX accounts which I suspect is being done by my ex husband of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and his attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during my long standing divorce that lasted XXXX year

s and ended on XXXX XXXX, 2024.

The XXXX Fraud charges are as follows. 
XXXX XXXX for the amount of {$17.00}. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am requesting a full investigation by as this is a serious matter and for charges to be pursued against the person who is fraudulently charging my checking account with fifth third bank. 



XXXX XXXX
Product: Checking or savings account

English is my second language. It is dangerous to complain against unfair practices by one or several bank employees, who bank definitely is going to protect and ignore created by them problems for customer. These days customer isn't protected. First I filed a complaint with BMO Bank management. No response on my complaint # XXXX was received. After opening the account request for help with ACH transfer was ignored several times. No one call was returned by XXXX XXXX. Only after my complaint to management, the BMO employee, XXXX XXXX, who opened my account suddenly called after 40 days and left a voicemail premeditatedly accusing me that I didn't respond for his constant attempts to finish set up preferences for my account, when it was the other way around. First of all, he refused to accept my version of DPOA and/or already notarized DPOA to add on my account and said the authorization for assistance has to be the one that created by the bank. The very simple one that satisfied XXXX XXXX, but not my version, was finally signed and notarized by Bank Notary in the middle of XXXX  that he obviously refused to do that at the same day when account was opened. He continue stretch the time and didn't add the notarized power of attorney to my account and never sent it to the appropriate department for a record on my account that was finally discovered just now in XX/XX/XXXX. Some how the external transfer from a different bank to BMO was blocked under unknown circumstances by BMO. The hours spent on the phone and on chat did help for a while. Finally, the new message stated that transfers are pending, but later the transfers were denied again. The proper procedure to connect external accounts with BMO checking account were performed and confirmed. BMO Bank continued to deny the transfer without an explanation. None of the employees on the phone said that account is locked and acted like they do not know what is going on. Only agent on chat stated that account is locked and I need to call. Who locked my account for transfer and why, is not understandable. Why BMO Bank employees did set up incoming transfers for denial, or XXXX XXXX did it and/or somebody else controlled that conditions for promotional monetary benefit won't be met on time. It is all about money, do not let new customer to earn the promotional benefit. It feels like some secret conspiracy at the BMO bank is in affect and/or secret and silent conspiracy between banks do not allow transfers. XXXX XXXX brutally and boldly lied as I have been at the Bank with my DPOA three times and after I complained to the bank management he began claiming that he did not finish preferences for the account because I didn't keep the appointments. I do not know how is that possible to stay with such bank that impossible to trust, because its employee lies and intentionally and knowledgably create obstacles and damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Experian stating that they were not reporting a credit card that I 've had for about a decade, which has been used every month and which has been paid in full every month. <P/>Last week I received a letter stating that they have resolved the issue. However, on the form they sent me, the credit card ending in XXXX still does not appear. I assume that this will continue to effect my credit report with them, as it would suggest that I have n't had any credit history in several years.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
Product: Credit card or prepaid card

I am on XXXX and am not able to control my own we finances that's why I have a payee. And almost every credit card was opened and not payed for as I had no idea that a card was opening my name. I get said in the amount of XXXX $ and my payee is the person who handles my bills. please remove all these negative items from my credit as I had no knowledge of them being opened in the first place thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is incorrect! I've never been late on this one! I'm always on time with my payments. This is incorrect information. By reporting this false information, you are harming my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

REVCO SOLUTIONS , INC. ( Ref # XXXX ) is attempting to collect a debt on behalf of XXXX XXXX Account # XXXX in the amount of {$210.00}. I never opened or authorized an account for XXXX XXXX
Product: Bank account or service

I have had a bank account at Chase for about 7 or 8 years. I have filed a number of claims regarding double payments to XXXX with the Debit Card and a Credit Card. The merchant XXXX has been refunding the amounts as expected, it seems more from my efforts than those of Chase. I was told on or about XXXX XXXX, 2015, that the Claims Department was going to close the account without explanation and I would be getting a letter as such. I have never received the letter and the account is now restricted but not yet closed based on the information the Claims Department gave me on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MY CONSUMER REPORT AND I CAME ACROSS XXXX LATE PAYMENT ON AN ACCOUNT THAT I HAVE NEVER BEEN LATE FOR. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT XXXX XXXX XXXX XXXX. CONSUMER REPOTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUM ACCURACY. 

PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THIS PAYMENT WAS LATE. IF PROOF CAN'T BE PROVIDED I DEMAND THIS PAYMENT BE UPDATED TO ON TIME AS IT SHOULD BE AS I WAS NEVER LATE. THANK YOU
Product: Credit reporting or other personal consumer reports

Dear XXXX Please freeze my credit report or anything pertaining to me Thank you XXXX XXXX XXXX