23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Collection Activities and Violation of Consumer Rights To Whom It May Concern, I am writing to formally dispute the actions of [ Discover Financial Services ] [ Discover Bank ] as they have placed an account on my consumer report without providing the legally required validation information, in clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Violations by the Collection Agency : 1. ** Statute of limitations to collect a date in the state of Arizona has been exceeded.

2. **Failure to Provide Validation Information** : The collection agency has not provided validation information as required under 12 CFR 1006.34 ( b ) ( 5 ) before placing this collection account on my consumer report. I have a legal right to receive this validation information prior to any reporting to consumer reporting agencies.

3. **Failure to Give Me an Opportunity to Dispute** : According to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), I must be given an opportunity to dispute the account before any negative action, such as reporting to consumer credit bureaus, is taken. The collection agency failed to notify me in accordance with this regulation, which infringes on my rights as a consumer.

4. **Use of False, Misleading, and Deceptive Means** : The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means to collect an alleged debt that I dispute. This includes reporting an unvalidated debt to credit bureaus and failing to provide accurate disclosures to me as a consumer.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am formally notifying the collection agency that I dispute the entirety of the alleged debt. Furthermore, I am revoking all forms of communication from them, including email, text messages, and phone calls.

Requests for Information : 1. I request that the collection agency immediately provide a validation letter for the debt in accordance with the law.

2. I request a copy of the purchase agreement between the collection agency and the original creditor ( Discover Financial Services ), as this information is necessary to verify that the collection agency has legal standing to pursue the debt.

3. I also request proof that the collection agency is licensed and bonded to collect debts in my state.

Conclusion : The collection agencys failure to comply with the legal requirements outlined above is a violation of my consumer rights. I request that the CFPB investigate this matter and take appropriate action against the collection agency for its illegal practices.

Thank you for your time and attention to this matter. 

Sincerely, ** [ XXXX XXXX ] **
Product: Checking or savings account

Hello, I opened my Bank of America checking account on XX/XX/2022. It was an XXXX XXXX  Checking Account. After opening the account in the branch, I was told by the banker that I would qualify for a {$100.00} bonus if I had performed the {$1000.00} direct deposit or more requirement. This requirement was completed on XX/XX/2022. 

I had called the customer service line around XX/XX/XXXX and they said that the promotion was in my account and that I needed to wait at least 30 days for the promotion to set in. Now, I have called twice, on XX/XX/XXXX and XX/XX/XXXX, and on both days, I have been told no such bonus exists on my account and that they are unable to do anything with it. I would like to settle this matter professionally and receive my {$100.00} bonus that was promised by Bank of America when I opened my account. Otherwise, I am looking into opportunities within arbitration and small claims court. 

Thank you and please let me know!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to along with an account that should no longer be reporting on my account.. Upon reviewing my credit report, I discovered the following unauthorized accounts : 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} I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent, that I the consumer did in fact open the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if you are notified by the consumer about something on their credit report because of identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the account I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been sent from your bureau. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/2021, I had my entire balance of {$100000.00} in XXXX XXXX transferred out of my Coinbase wallet to an unknown wallet address without my authorization. I have tried contacting Coinbase regarding this matter, however they kept restating that if balance was withdrawn from my wallet without approval, it means my account phrase was compromised. I created my Coinbase wallet account less than 2 weeks ago, and I know for a fact that I did not share my recovery phrase with anyone. No one could possibly have access to my account, especially when I have a password too. The total amount of {$100000.00} XXXX lost is my life saving, If I can't get this money back, I don't know what to do anymore... If there are any additional information I could provide, please let me now. Please help me... 

Thank you very much...
Product: Checking or savings account

I ordered 2 XXXX XXXX products online from a company named 'XXXX XXXX '. The ad offered that you pay shipping and handling only for {$4.00}. My bank account shows that on XX/XX/XXXX I was charged {$4.00} for 'XXXX XXXX XXXX ' and on XX/XX/XXXX I was charged {$4.00} for 'XXXX XXXX XXXX XXXX '. Both of these were taken from my debit card. On Friday, XX/XX/XXXX I went online to check my account and seen that they again charged me {$80.00} for 'XXXX XXXX XXXX ' and {$83.00} for XXXX XXXX XXXX XXXX ' on XX/XX/XXXX. I immediately contacted them. The first person I spoke with told me she 'could not locate ' my account and would call me back. No call came, so 3 hours later I called again and spoke to another individual who found my account immediately and then she advised me that I could not get a refund. She advised that I had 2 weeks to contact them or I would be charged, I knew of no such thing. She hung up on me at some point. I called back 2 more times to try to talk to someone and they both hung up on me. I have filed a dispute with my bank, Huntington Bank - they say it will take 45 to 90 days to get the dispute processed. I am guessing that it may have stated this in very very small print somewhere. But, although that is still wrong - it still was not a full 2 weeks before they pulled money from my account. I have cancelled the card with my bank as well.
Product: Credit reporting or other personal consumer reports

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a Breach from XXXXXXXX XXXX XXXX XXXXXXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX XXXX XX/XX/2024. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXX  and trust and also a FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND TIME SENDING A DISPUTE REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect. attached is proof that balance is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer credit report I discovered several fraudulent and inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised years ago and that hardship is still haunting me, I have many unidentifiable accounts on my report unknown and unauthorized. And as a consumer protected by the laws of the FCRA, I'm asking that these accounts be investigated and blocked. I will also like a detailed Method of Verification pending your investigation. A credit reporting agency should not report fraudulent accounts, accounts that have not been certified by physical documentation, no reputable credit reporting agency shall relay on old and outdated technology by electronic Verification. I'm demanding the removal and blocking of the following accounts 1 ) XXXX XXXX  {$2300.00} 2 ) XXXX XXXX XXXX  {$1100.00} 3 ) XXXX XXXX XXXX  {$400.00} 4 ) XXXX XXXX  {$1800.00} 5 ) XXXX  - {$250.00} 6 ) XXXX {$2100.00} 7 ) XXXX XXXX XXXX {$800.00} 8 ) XXXX {$2500.00} 9 ) XXXX  XXXX XXXX {$1300.00} 10 ) XXXX XXXX XXXX $ XXXX 11 ) XXXX XXXX XXXX  {$700.00} 12 ) Chapter 7 Bankrupty 13 ) XXXX XXXX {$200000.00} 14 ) XXXX XXXX 15 ) XXXX XXXX XXXX  {$2100.00} 16 ) XXXX XXXX {$28000.00} 17 ) XXXX XXXX  18 ) XXXX/Dept of Education 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX x17
Product: Credit card or prepaid card

FYI to CFPB ONLY : I am still being harrassed by XXXX XXXX XXXX  in XXXX for disputed issues on a XXXX  in late XXXX thru XXXX. 

XXXX XXXX ignored my dispute and complaints of my acct being frauldulent handle and they refused to address issues. DURING disputes bank : BANK actively sent acct thru credit bureau WHILE i was actively disputing acct in XXXX ... .30/60/90 days and a Hit on my credit report in XXXX, THEN showed for non-payment on false/disputed acct. 

How can a bank make their own rules and harass consumers at will? 

FYI, i will keep you posted on situation.
Product: Mortgage

Carrington Mortgage Services offered me a streamlined refinance with no credit check, no income verification, and no appraisal. I was told twice via email that there would be no credit check. When filling out the application, I specifically DID NOT give consent to perform a credit check. Two days later I got a notice from XXXX that Carrington Mortgage had performed a hard inquiry on my mortgage file. Carrington also performed a hard inquiry against my wife 's credit file. We both have great credit, and they offered us a mortgage refinance, but they were dishonest and lied about accessing our credit.
Product: Credit reporting or other personal consumer reports

The addresses that are listed on file is inaccurate & im wishing it can be removed for it has been listed as public data.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT NUMBER XXXX XX/XX/XXXX {$370.00}, XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX230.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX ACCT {$340.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX CARD XX/XX/XXXX, XXXX XX/XX/XXXX, Members First XX/XX/XXXX, Ive reached out countless times to the bureaus, emails, calls, calling and speaking with 10 different people and still no results.
Product: Debt collection

Received several voice messages from a XXXX XXXX from the beginning of XX/XX/2018 to present stating to call about important documents to discuss and that it was a time sensitive matter. Threatening that must be called back or would " proceed accordingly '' and states that he has legal documents on his desk just waiting for him to file. Calls me several times a day with the same thing saying that I must call back that same day. I have had to block their number through my cell phone provider. They are also harassing me at work calling me several times a day and I have asked them to stop but they won't. 

They are constantly calling and harassing me stating that if I don't answer by the end of their day they will have no choice but to act according and file the legal documents they have on their desk. They have been calling several times a day for a couple of weeks now and are even harassing me at work.
Product: Credit reporting or other personal consumer reports

Here 's the extracted text from the images : -- - I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, Experian, and XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been a victim of identity theft. I disputed an unauthorized credit card and several inquires that was reporting on my consumer report without my consent. I was able to contact the Person making the report to cease furnishing fraudulent account on my consumer report, as I was not the one who made the authorization. during the investigation the account was removed and I received notice from equifax that all three inquires reported on FTC report was removed XX/XX/2023. ( ( please see attached documents ) ) I checked my consumer report and discovered that the notice was in fact false! one of the three inquires remains on my consumer report and continues to damage my consumer report. You have caused me and my family a great deal of mental anguish with this erroneous reporting of fictitious information. I have tried to reach your office several attempts concerning this matter with absolutely no help to resolve this inaccurate reporting. these are direct violations of the FCRA for reporting inaccurate information on a consumers report to whom it relates. I have called your office on a recorded line and showed your employees and several managers of the error and inaccurate reporting and still no remedy. This has stoped/slowed my ability to obtain credit do to having ERRONOUS AND FRAUDULENT inquires reporting to my consumer report that YOU EQUIFAX, CLAIMS TO BE A FACTUAL RECORD ITEM ON THE CONSUMER REPORT, WHICH IS IN FACT FALSE AS YOU CAN SEE with attached documents. I AM GIVING MY WRITTEN CONSENT TO REMOVE THIS AND ANY OTHER FRAUDULENT INQUIRES THAT REFLECTS ON MY CONSUMER REPORT!

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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!

15 U.S.C 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact inaccurate.
Product: Credit card

Hi, I have received recently a copy of my credit report and saw a card on it that does not belong to me. I have never have an account with Capital One, and have never make any payment on it, not in the past and not at present. 
It state the card was open on XX/XX/2001 and have a Credit Limit of {$11000.00} I saw my report before and did n't see the card before.
Product: Debt collection

Hi & how are you doing? I'm reaching out and letting you know that this account is still reporting on my credit with incomplete, and unverifiable information. I paid this account already and i was told that it will be removed. Please see the attachments for detail. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. I am writing to request that you please DELETE this account from my credit and provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX. XX/XX/2021 I do NOT recognize these credit inquiries nor do they belong to me.
Product: Money transfer, virtual currency, or money service

I had sent a zelle transaction through my US Bank banking app. The receiver is someone who is a regular verified recipient and they never received funds. I've filed several disputes, bank has promised provisional credit after 10 days of investigation. 3 investigations have been closed with no resolution and no funds have not been deposited on either end. They have no real answer for what happened, just a technical error. But US bank will not make it right. They clearly see the funds were taken from my account, never deposited and not in the zelle warehouse. It's been since XX/XX/XXXX since I've been dealing with US bank to figure out what happened and to make it right.
Product: Checking or savings account

I have had multiple accounts opened in in my name from three banks ( XX/XX/XXXX XXXX M & T Bank, ( XX/XX/XXXX XXXX XXXX XXXX, and ( XX/XX/XXXX ) XXXX XXXX. I have spoken with all three banks and they have assured me these accounts have been closed. No money has been lost.