23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have two capital one cards. One of which I was making a payment in full for. I paid the balance off in full when a few days later, the payment was reversed. I then tried making the payment again to then see my payment once again reversed. I checked my fidelity bank account not knowing what was going on. Come to realize that my money was being with held due to a data security breach. This breach I was not informed about until I called fidelity asking why my money was being withheld. I then saw that not only my capital One XXXX  card was restricted and closed but my capital one savor card also became restricted and closed. I called capital one and explained them the situation. They gave me the run around as to if I was or wasn't able to have my accounts reopened. The unfortunately would not reopen my accounts regardless of what was going on. 
For reference, I have attached a link below that explains the security data breach that I was unaware of. 
XXXX XXXX XXXXXXXX
Product: Debt collection

I try to have this matter taken of thru XXXX but they say the matter is done thru them. This is about a debt that was made without my knowledge by someone I used to know. Brought a cell phone from XXXX back on XX/XX/XXXX for {$440.00}. She told me back in XX/XX/XXXX what she did, she put down {$150.00} to get the phone in my name which I wasn't aware of. Upon a collection agency trying to collect money from me which started back in XX/XX/XXXX. Said I owned them {$690.00}. XXXX   XXXX which is a collection agency has destroyed my credit and has been calling me all the time. Which I have told them to stop but they haven't. The date and year and amount are all wrong from what the person who did this, showed me a purchase bill last year. She got the phone on XX/XX/XXXX, for {$440.00} and put down {$150.00}. This is not my debt.
Product: Credit card or prepaid card

I was informed by XXXX that a credit card application was filed in my name in XX/XX/2022. Also, I received a notification that there was a change of address in my name to an address in XXXX where I have never lived. I discovered that the credit card that was open was an account with Bank of America for XXXX XXXX when I was attempting to contact Merrill Lynch about other accounts. I contacted Bank of America in XX/XX/2022 and told them that I had never opened the credit card. Initially they filed it as being a credit card that I had open but that someone had stolen the number. They then kept the account open. 

I only discovered this because I didnt feel comfortable with my interaction with the person I spoke with at Bank of America and decided to call Bank of America again a few days later. That is when I discovered that they had left the account open and were going to send me a new credit card. I informed them that I never opened this account, I do not want this card and that this was fraud. They then told me they would cancel the account. I subsequently contacted the credit bureaus and put a fraud alert on my accounts for XXXX year. 

However, I am still seeing this account open on my credit report with the balance of debt affecting my credit score. I believe the credit balance is over {$2000.00}. However, since the person who fraudulently created this account changed the address to an address in XXXX, I have never received a single statement. 

I also recently saw from XXXX that someone had tried to open a XXXX XXXX credit card in my name. In XX/XX/2022. This also was not me and I fear that this inquiry has affected my credit score as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a XXXX XXXXXXXX XXXX Account listed on my Transunion report as being sold to XXXX XXXX credit report since XX/XX/2021. After Each dispute I get a letter stating the account has been verified. In XXXX I sent XXXX a debt validation letter and since the account could not be validated it was removed from my XXXX Credit Report. I contacted Transunion and made them aware that the account could not be verified and needed to be removed off of my credit report. Transunion responded by saying that the account is verified and refuse to remove off of my credit report.
Product: Mortgage

I purchased a contract for services from the United States from its Bankruptcy Court, XXXX  XXXX XXXX XXXX to have my original 2008 XXXX XXXX discharge honored. 
Case nos. XXXX XXXX case XXXX, current cases. 
The judge and clerk refuse to recognize their own courts prior order. 
I attach files as duly served to the U.S Trustees Office, the Bankruptcy Court under and appeal from order, the United States Attorney office, the USDOJ Civil Rights Division, FTC, SEC AND IRS.

Please provide me a case file number so further activities in this matter could be presented as evidence.

My civil rights have been trespassed upon under both civil and criminal statutes as exposed by attached.

I believe I am a consumer of government services paid for and have been defrauded, mislead, denied access to my contract rights and protection of the bankruptcy law and ADA requirements to have my assistance speak for me.

Files attached.

Please provide me a case number for further filing reference.

The below list are recipients of these same files and complaints.

USDOJ Civil Rights Division.

USDOJ U.S. Trustees Program Securities Exchange Commission Federal Trade Commission Bankruptcy Appeal IRS
Product: Money transfer, virtual currency, or money service

Zelle payments sent to wrong parties and losing money. Verification was not provided within the company which lead to misfunded money
Product: Credit reporting or other personal consumer reports

This is a serious issue that requires immediate attention. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. I have come across these errors multiple times, and they continue to cause unnecessary stress and anxiety. This situation is unacceptable and needs to be addressed without delay.
Product: Money transfer, virtual currency, or money service

I was given stock from Robinhood by son for Fathers Day XX/XX/2020 I opened account and transferred {$100.00} to Robinhood to start. I received XXXX as stock from son, I bought a few more of XXXX  and about 20 shares of XXXX to see how site works. I have not been able to access account since I opened it. I tried numerous times contacting Robinhood support and help emails getting same generic response. I gave Robinhood all my personal information and do not know what Robinhood has done with it. They have not used it to fix account problem. I tried their password reset and it shows account with XXXX balance. 
Robinhood has no telephone support which I find strange. I would just like to close account at this point and have money returned to my bank.
Product: Credit card or prepaid card

On XX/XX/2022, Chase induced me into a bait and switch scheme when it invited me to apply for a pre-approved Saphire Chase Credit card with XXXX travel points off my Chase checking account website and then declined my credit card causing my credit to go from outstanding XXXX XXXX score ( was recently XXXX????? ) to Very Good and giving me a bad credit report. On XX/XX/2022 ( XXXX XXXX PST ), it took me more than an hour and XXXX separate phone calls to speak to someone at Chase about this -- this is all designed to deter complaints in what amounts to a sinister plot on the part of Chase ( and XXXX, et al ) to reduce my credit score with the credit agencies so they can control my life accordingly. 

I spoke with Chase representatives : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( responsive ) They would hang up without giving me a reference number so I could report these Chase Bank actions to the Feds. 

The generated complaint number is XXXX It's now XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian credit bureau consistently allows XXXX XXXX to report a fraudulent account to my credit. The account was the case of identity theft its also a business account for a company that I dont own.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

In response to the recent investigation, I am submitting my disagreement with your findings and requesting complete accuracy. I am not satisfied that adequate measures were taken to contact the creditor responsible for reporting the information in question on my report. Consequently, I am now requesting further information regarding the following 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. As previously stated under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I urge you to reinvestigate and update this disputed account. Please provide me with the names and addresses of the individuals contacted. You are allotted fifteen ( 15 ) days from the receipt of this letter, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the items must be promptly updated in accordance with Section 1681i ( a ). Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please inform me once the account has been updated.
Product: Credit reporting 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 # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights XXXX XXXX Account # : XXXX has violated my rights XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # : XXXX has violated my rights. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

( XXXX XXXX : XXXX ) Account # : XXXX has violated my rights. 

XXXX Account # : XXXX has violated my rights. 

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

In accordance with the Fair Credit Reporting act Navy Federal Credit Union Acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH mortgage is reporting that I have a XXXX XXXX  have never filed a XXXX XXXX and they said that it was open XX/XX/2019 and XXXX on XXXX XXXXI called them and they are trying to put the blame someone else.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Action Against TransUnion for FCRA Violations and Improper Bankruptcy Reporting Dear CFPB, I am writing to request urgent assistance with a matter concerning TransUnions repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have disputed an incorrect bankruptcy record on my credit report three times, and TransUnion has consistently failed to conduct a proper investigation. Instead, they appear to be reusing the same results from previous disputes without investigating my claim as required by law. 

Here is a brief summary of the timeline : - XX/XX/2024 : I submitted my initial dispute regarding the incorrect bankruptcy information. TransUnion claimed to have investigated the matter, but the record remained unchanged. 
- XX/XX/2024 : I disputed the same item again. On XXXX, I received an email from TransUnion stating that they investigated the record and found no changes. The investigation was completed in less than 12 hours, which strongly suggests they reused the same results from the previous dispute without performing a legitimate investigation. 
- XX/XX/2024 : I filed a third dispute. By XX/XX/2024, I received an emailsent at XXXXXXXX XXXXstating that the public record remained unchanged. Once again, no proper investigation was conducted. 

This bankruptcy record does not belong to me, and despite my repeated disputes, TransUnion has failed to take the necessary steps to verify and correct this inaccurate information. 

Under the FCRA, TransUnion is required to conduct a reasonable investigation when a consumer disputes information on their credit report ( 15 U.S.C. 1681i ). TransUnions practice of using previous investigation results without properly reviewing my claim constitutes a violation of the law. Additionally, under the FCRA, they are obligated to notify the source of the information and review all relevant evidence I have provided, which they have not done in my case. 

I have also requested in writing that they provide the method and procedures they used to investigate my dispute, but they have failed to respond appropriately. 

I am seeking your assistance in holding TransUnion accountable for their ongoing violations and ensuring that this incorrect public record is removed from my report. If no action is taken, I am prepared to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your time and attention to this matter. I look forward to your support in resolving this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I disputed a transaction through chime because I never received my ordered goods from XXXX. This was a month ago, and I still havent received my goods. The charge was for {$280.00}, and chime closed my dispute after a week and I lost. Im pretty sure the person who did my dispute ( over the phone ) didnt properly dispute the charge. They probably either didnt put enough info or reported it as a unauthorized transaction. This is completely unacceptable being I did not receive the goods I paid {$280.00} for my name is XXXX XXXX, my phone number is XXXX, and my email address is XXXX. Contact me as soon as possible.
Product: Credit reporting or other personal consumer reports

PLEASE INVESTIGATE THESE ACCOUNTS AND THE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I attempted to use PayPal to make a {$3500.00} from a credit card. Despite the fact that my credit card was listed as the payment method, the summary following the transaction stated that the payment would be drawn from my checking account. When I contacted PayPal, I spoke to a representative who explained I would need to contact the vendor or my bank to request a refund or stop payment, respectively. I explained that I would be responsible for an additional fee if I pursued either of those actions. The representative told me that PayPal was still in the process of contacting my bank. I asked that since payment had not actually been processed, that PayPal put a hold or cancellation on my payment so that I could correct which account was being used. She stated she was unable to assist me. I then asked to speak to a supervisor. After a significant amount of time on hold, I spoke to a supervisor named XXXX who was also unwilling to make any corrective actions. I asked to speak to his supervisor at this point. When he asked why, I told him that this is a consumer fairness issue. He again asked me why, and I reiterated the same response. He then told me " We will be happy to keep telling you the same information, '' and placed me on hold again. I then waited on hold for over 25 minutes before hanging up without speaking to a senior supervisor.
Product: Credit card or prepaid card

I paid my Belk/XXXX  on XX/XX/2022 through my bill payer account. I paid more than the minimum amount due. My bank showed the payment posting on XX/XX/2022. I recieved an email from belk a few days later saying that they did not recieve the payment and that i was going to have to file a missing payment form. i had to wait for my bank statement. on last friday i got an email from belk saying that the payment had posted to the account on XX/XX/XXXX. then i got a notice from synchrony bank saying that they closed that account and all of my other accounts that synchrony services. i dont think it is fair that all of my accounts have been closed when i in fact paid the bill on time and something happened between then bank and the credit card company. 
Belk JCPenneys Care  Credit American Eagle XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act Dept of EducationXXXX 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
Product: Checking or savings account

Hi. Please help me on this as I can not access my online account for over a month now. Even the " forget password '' option doesn't work as the phone number that appears where to send the one-time code is not mine and US Bank have not done any steps to correct it despite my claims due to fraudulent activities. On XX/XX/XXXX or XXXX - I received a text from US BANK that my mobile # has been changed and then followed by a XXXX transfer of {$500.00}. I immediately called US Bank about the fraudulent activity and informed them that I have not changed my phone number, I was shocked and can't believe what was happening. US BANK advised to lock my checking account and credit card to avoid any further fraud transactions. It also means I won't be able to access my online account until I everything has been cleared. I was told to visit one of the USBANK locations to get a new card # and get further help to resolve all issues. Once at the bank, i informed the banker about the fraudulent activity and told her to remove the unknown phone number, there should be only my phone number on the account. Record has been updated except for the online account as I was told to call them again. Following, upon checking my online account still i can not log-in. Even the forget password option still doesn't work. Once again, i called online banking service and fraud department to help me, i was on the phone for more than an hour, have been transferred multiple times and was asked same details name, address, date of birth and ssn multiple times but still they were not able to help me. Worst to know that someone's phone number is still on my account. i am not receiving any text nor any alert, hackers out there is getting it! i thought the fraud phone number has been removed! Didn't I already informed them about it? on the phone and by visiting one of their location a month ago! I was informed tonight that they will issue a claim to remove the number and it will take 3-5 business days! Haven't they taken any steps to correct it? I've been with them for more than 10 years. I felt so disappointed as they have not done enough to resolve this issue and the stress it has given us. it's time to end it and move to a reliable bank. Thank you for your help in advance and any help big or small is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX INQUIRIES : XXXX  XX/XX/XXXX IR XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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