23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Date of fraud was XX/XX/2021. Total amount of money lost : {$210.00}. The issue in question was a fraudulent transaction that took place on XX/XX/2021. The fraud involved money being withdrawn from my Bank of America ( BOA ) account and transferred to another account via XXXX without my authorization. I reached out to BOA and spoke with a rep. whom transferred me to the fraud department, after back and forth for two weeks I called again to only be told there is nothing they can do, they advised me to call my phone carrier to prove to them it is fraud. If they know where the money was transferred to why can't they just reverse the charges I did not approve. I contacted sprint my mobile carrier and their response was " this is beyond our capability and it is the bank 's issue and I needed to contact thier fraud dept. which I have and didn't get anything resolved. However, Bank of America has declined to refund me for these claims, account was accessed without my authorization
Product: Debt collection

Harassed my family members, My mother and father to be specific. When I called them they did not ask me to verify who I was, they gave me my own DOB and asked if that was correct. They could have given out my DOB to anybody who called in since they didn't ask me to verify it. I asked for documentation to be given to me and told me they were not in a rush to send it because I was not interested in paying them. Threatened me with damaging my credit report if this was not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$27000.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting bureaus, all 3, are in accurately reporting on credit checks when I was purchasing my house in 2022, last year, between the months of XXXX through XXXX. 

I had a pre-qualifying checks pulled in XXXX, XXXX, XXXX and again in XXXX. The credit agencys are reporting these individually which is affecting my score. 

Multiple inquiries from different lenders are typically counted as only a single inquiry as long as theyre made within the same 14 to 45 days.
Product: Debt collection

Myself, family and my ex husband have all been receiving multiple calls per day from a company identifying themselves as XXXX with a contact number of XXXX. Per this company I have an outstanding payday loan from a company called XXXX XXXX, that was taken out in 2011 in the amount of {$400.00} and a formal complaint has been filed against me. No such loan exists and I 've asked them to stop calling me and my family, but they keep calling. I am also concerned that they know who I bank with and know the last XXXX of my SSN. The rep I spoke with wo n't tell me what XXXX stands for.
Product: Debt collection

I don't know you and never heard of you until it appeared on my credit report.Be advised that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable.

Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 

Thank you
Product: Mortgage

I went to jail for 18 months I came out XX/XX/2021 I called the lender to get a pay off quote to catch up on my mortgage payments and I was never provided with one. My aunt was going to pay the balance and we tried 3 times and I got it by mail a week after the auction. And the bank took it back no bids were made so Im still at the home with a lot of XXXX and stress. I tried getting an attorney almost paid {$11000.00} for his services and it came out to be a scam. I feel this property is worth a lot more now so they took it from me when I was going to catch up on payments. The auction date was XX/XX/2021 on my daughters birthday. I came out XX/XX/2021 by law they were supposed to provide me one with in 7 days. And I never received auction date of the property by certified mail nor did they post it on my door. If theres anything you can help me with even advice I highly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

department of education navient said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX combat veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle multiple 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 infeasible. The CFPDs findings have indicated that Zelle has not only neglected to protect the consumers but has also allowed repeated 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: Vehicle loan or lease

Cosigned a loan car was reposted primary person on loan is in XXXX  I am currently in a XXXX home in XXXX XXXX insurance have no money night have told them over and over to quit calling me they call and threatening me they threading to take my social security which would leave me homeless They are very rude yelling and screaming at me that they will get their money one way or another I have explained my situation to them numerous times they continue to threatening me
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company is violating the Fair Credit Reporting Act, specifically, 15 USC 1681s-2 ( a ) ( 5 ) ( A ). As they are failing to report the alleged date of alleged first delinquency. 

A violation of the FCRA is a per-se violation of the FDCPA and a violation of the FCRA and the FDCPA is a per-se violation of the AFDCPA ( Arkansas Fair Debt Collection Practices Act ).
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

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

It is easier for Experian to ignore all my complaints instead of doing a proper investigation or hust asking XXXX  if they are reporting properly. I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/2017 for XXXX XXXX XXXX XXXX ( XXXX  ). Experian dodges liability by refusing to PROPERLY investigate. XXXX  didnt have permissible and plays games to make it go away. Experian asks XXXX  if they did what is right and they say yes. It is time for Experian to do business as the caretaker of my personal information, investigate, and get a copy of the permissible permission. It doesnt exist and led to a fraud loan.
Product: Money transfer, virtual currency, or money service

Dear Officer REFUSAL OF WORLDREMIT TO REFUND REMITTANCE I write to officially make a complaint regarding the refusal of WorldRemit ( an online financial remmitance company ) to refund a remittance the recipient did not receive. 

On XX/XX/2020, I used the services of WorldRemit to make a series of 3 transactions, each worth {$870.00} plus service charge of {$0.00} totalling {$870.00} each, to two separate accounts belonging to a relative in XXXX. Two of the remittances were sent to the XXXX XXXX account and the third was supposed to have been sent to the XXXX XXXX XXXX ( XXXX ) account. Both of these 2 accounts belong to the same person and are linked to 2 separate phone numbers. The XXXX XXXX equivalenf each of these transactions ( {$870.00} ) is XXXX XXXX All 2 of the remittances that were intended for the XXXX cash account were acknowledged paid in my WorldRemit account on the same day XX/XX/2020, debited to my XXXX checking account on XX/XX/2020 and duly received and credited to the XXXX cash account on XX/XX/2020 and XX/XX/2020. 

However the 3rd remittance intended for the XXXX XXXX account even though was acknowledged paid on same day XX/XX/2020 in the WorldRemit account, debited out of my XXXX checking account on XX/XX/2020 was NOT credited to the XXXX XXXX account and has not till date. 

I subsequently made a report to WorldRemit and they acknowledged that it was a technical issue and that they would initiate a recall of the funds. 

After repeated reminders to WorldRemit through phone calls and emails and several assurances through same that they were working on the issue, I received an email on XX/XX/2020 that they were unsuccessful with the recall and thus wont be able to refund the funds back to me. 

My and my relatives checks with both XXXX and XXXX after an investigation indicated that no such 3rd remittance was received by either company. They have provided account statements ( which are attached ) to support their assertion. 

And as of today I have not received any refunds and any notification to that effect from WorldRemit I am therefore requesting your good offices to compel WorldRemit to refund to my account or to me an amount of {$870.00} plus service charge of {$0.00} for failing to remit the funds as requested. 

I have attached all relevant documents to support my claim and to solicit your help with same. 

Thank you for your consideration and every assistance in this regard is very very much appreciated Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my XXXX report that there are multiple inquiries that were not authorized by me. Here are the inquiries. 1 : XXXX XXXX on XX/XX/XXXX 2 : XXXX XXXX on XX/XX/XXXX 3 : XXXX on XX/XX/XXXX 4 : XXXX XXXX XX/XX/XXXX 5 : XXXX on XX/XX/XXXX 6 : XXXX on XX/XX/XXXX 7 : XXXX on XX/XX/XXXX 8 : XXXX on XX/XX/XXXX I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.
Product: Debt collection

I am receiving calls regarding a debt that I supposedly owe from a property management called XXXX XXXX but no verification of debt has been provided. My lease ended XXXX XXXX, 2015. I moved out XXXX XXXX, 2015. I paid my rent on time. I ended my lease in good terms. I never received an outstanding invoice amount from XXXX XXXX. The call from Rent Recovery Solutions, LLC concerns me, as I am not sure they are legally authorized to collect such claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.

In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit card

I had a XXXX $ limit, paid it off in full for an apple Goldman Sachs credit card. The payment was pending for about XXXX weeks, during which time I had claim rights with my bank to get it refunded for bad behavior by the credit card company. About XXXX days after the XXXX payment posted, and I lost those dispute rights, they lowered my credit limit from XXXX to XXXX, without any prior notification, or any explanation as to why they waited exactly until I lost my dispute rights to make this change. Now, I can not use the credit limit to increase my credit score. I found this behavior very predatory. Finally I got a call from a Manager who told me to contact my bank to file a dispute, knowing full well they had waited out my dispute rights before pulling the rug out from under me. Now I could have used that money to pay off another credit card to gain credit score, or used it for myself, but instead they have commuted what I consider to be an incredibly scummy and dishonest act toward me.
Product: Credit card or prepaid card

A hard inquiry taken to my credit report off of XXXX XXXX that was attributed to Capital One Bank. Someone tried to open a credit with them when I do not bank with them. Resolved the situation by calling them and letting them know it was not me. They shut down the application. This all happened on the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

This is the letter I sent this company with no response or corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Demand to Remove Inaccurate Credit Information To Whom It May Concern : Enclosed is a Mandatory Notice. I am returning to my given name of XXXX XXXX XXXX. Change my name on this credit report. I have changed my status and reclaimed my name. I am demanding this credit report include information I give permission for. I have been a victim of fraud and identity theft that I am demanding be corrected immediately.

Furthermore, I would appreciate receiving an updated copy of this credit report at the aforementioned address. There should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained my credit report within the past six months of any necessary corrections. 
Upon reviewing my credit report, I have identified certain inaccuracies that require immediate attention : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Validate Account XXXX XXXX Account XXXX : XXXX XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your attention and assistance in resolving this matter. 
Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED Without Prejudice
Product: Credit card or prepaid card

I've reached out to Capital One 3 times to the first time on XX/XX/XXXX to get a refund issued for the credit balance on my account. I was told it would take 10 days for the check to arrive and seeing that it didn't arrive by the XXXX, I called on the XXXX to get an update on the status of my refund. 

I have still yet to receive the refund, I called yesterday and spoke to XXXX who said it should arrive by today and it still has not arrived. 

The website says 7-10 business days, at this point its been over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment complex, XXXX XXXX, who uses XXXX for their third party screening. I applied and was approved at the end of XXXX. The XXXX inquiry shows on my TransUnion credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from XXXX on my report. I quickly called XXXX to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach out to XXXX and let them know this was an inquiry in error. I also sent a dispute letter to TransUnion which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. TransUnion has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There incorrect personal information my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that Equifax, XXXX, & XXXX are reporting inaccurate and incomplete credit information. This a violation of XXXX XXXXXXXX XXXX VIOLATION MISLEADING FALSE REPORTING
Product: Debt collection

The Law firm of XXXX XXXX XXXX in Michigan, repeatedly violated the FDCPA in collecting my debt. I tried to get the paperwork on the debt and it wasn't until they had to because they filed in small claims court that I received it even after repeated requests over 3 years. Over the three years they constantly used stall tactics on me by stating they had to contact the creditor on any arrangements. However the court paperwork showed that was false/fraudulent or at very least misrepresented the ownership of the debt. The court papers, as well as the original creditor, showed they owed the account outright for the entire time. I have the emails and the court papers showing the above to be true and indisputable.
Product: Credit card or prepaid card

On XX/XX/XXXX my purse and wallet was stolen. In my purse was a prepaid American Express debit card with {$1200.00} stimulus check on it. Whoever stole my purse spent the entire {$1200.00} without my permission. 

I immediately filed a police report and contacted American Express to let them know what happened. They looked into my claim but said that since the charges went through they can't refund my money. Can you help me get my money back? Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Bank Account # XXXX, Bankruptcy XXXX XXXX  XXXX Ref. # XXXX, XXXX XXXX XXXX Bank Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, The BUREAUS Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This companies used my information improperly, without my consent, I applied for business equipment credit lease and they used my personal report instead of my EIN.