23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Complaint Regarding Fraudulent XXXX XXXX Accounts Reported by XXXX XXXX & The CBE Group Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX and I am filing this complaint regarding two fraudulent collections accounts placed on my credit report by : XXXX XXXX The CBE Group Both collection entries claim I owe debts to XXXX XXXX for overlapping dates in XXXX. I never had a XXXX account in my name during this periodor at any time. From XXXX through XX/XX/XXXX, the only XXXX account in our household was under my husband XXXX name XXXX Beginning in XXXX, we switched to XXXX XXXXXXXX XXXX XXXX, and no one in our home has had a XXXX XXXX account since then. 

Key Points : No Account in My Name : I have never had a XXXX  account. We can provide documentation confirming this. 
Overlapping Dates : These two separate collection agencies report the same debt for the same or similar dates, which makes no sense.

Fraudulent Tactics : These appear to be blatant fishing attempts, and I believe they are negatively and unfairly impacting my credit.

Demand for Damages & Removal : I request immediate removal of these false accounts and compensation for the harm done to my credit profile. 
Potential Legal Action : Because I am so frustrated by repeated fake collections, I intend to pursue action in small claims court if this matter is not resolved. I will bring concrete proof that there was never any XXXX account in my name.
Product: Credit card or prepaid card

A fraud dispute with Synchrony Credit. The company agreed to refund original disputed charges. When checking the math, 3 of the disputed charges were not refunded. Attached is a screenshot of the Synchrony statement showing all refunded amounts. XXXX charges for {$360.00} and XXXX for {$410.00} ( {$1100.00} total ) were not refunded. Since my original balance was < {$800.00} before the fraudulent transactions in XXXX, and I have made around {$1200.00} in payments since then, my current balance should be a negative number. Note : Synchrony did not respond to my first letter to them in XXXX of this year. They did respond in XXXX XXXX CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$390.00} XXXX XXXX {$1300.00} XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.
Product: Credit reporting or other personal consumer reports

In accordance with thee 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 : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/XXXX, my employer made a payroll deposit of {$5000.00} via XXXX to my PNC checking account. As of XXXX XXXX on XX/XX/XXXX, those funds are still not available to me. I have received no communication via email, text or the postal service. 

I have called on multiple occasions and the " right department '' to help me has been closed or not available. I have been advised to " call back later '' with no explanation for why the funds have not been made available according to XXXX XXXX.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : ( XXXX Original Creditor ) : Account Number : XXXX And lists of unauthorized inquiries XXXX don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Money transfer, virtual currency, or money service

I am filing a complai against Cash App ( XXXX, XXXX. ) XXXX to " equa customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process. 
XXXX XXXX unfair XXXX deceptive, as they did nor '' comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit card or prepaid card

The company PayPay offered me credit ( 6 months interest free ) on purchases over {$100.00}. I took the offer and did not offer any income or employment information. I always paid off the balance that it said to pay to avoid interest charges. On XX/XX/2019, I applied for a 0 % interest free for 12 months account from chase for the reason to pay off 2 credit accounts that were about to start charging interest ; PayPal Credit and XXXX XXXX. I went to look for the account number on the PalPal account and could not locate it. I had to call to get it. When I told XXXX XXXX the account number they said it was 1 too many characters and they couldnt process the payment to pay off the account. I called PayPal and they said I couldnt pay off my account with them with a another credit card! I was appalled!! I asked them to send me a copy of the contract I signed and the have refused to send it to me. They directed me to the area where it was in their policy and it does not state I cant pay off my bill with them with a balance transfer!! Ive attached a copy of where they directed me ASSIGNMENTS. Reading this does not say to me that I can not pay off the card with another! Plus I did not sign a contract to get this account!! This company is scamming people and breaking the law!! How can they get away with charging 20 % interest and not provide a contract that I did not sign??? I am not paying the interest charges! My credit has been effected. Their record keeping is so confusing you dont know what they are doing and I was a expert in billing Medicare fore 25 years. They have to be stopped!! They also asked me to update my income status, I refused. 3 months later they doubled my credit limit without me asking for it. They apply payments and credits incorrectly. I included the emails where there replied to my request for a copy of the credit card application. I HAVE NEVER RECEIVED A COPY OF THE CONTRACT!! I never signed a contract.
Product: Money transfer, virtual currency, or money service

My robinhood account got hacked without me receiving any informations. 
After investigations from them we know it was done in XXXX XXXX, XX/XX/XXXX. They issued to the theft a debit card without my conscent or ID recognition. Then the whole amount was taken out off my account XXXX  very day, which was about XXXX XXXX 
I want my money back but they finally started declining after over 1 month of investigations and hours of phone call with me. ( i got XXXX XXXX back then received a decline for next XXXX XXXX because of missing evidence ). 
Can you help me? 

Key Points : The debit card was issued without your consent or proper ID verification. 
You did not receive any security notifications about the transactions or the creation of the debit card. 
Unauthorized access occurred outside your region ( XXXX XXXX ) on a specific date. 
They partially refunded {$25.00}, acknowledging some irregularities.
Product: Credit reporting or other personal consumer reports

CFPB, Experian is not cooperating with me I've dispute this address XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX 5 times and they are refusing to remove it from my credit report I mailed in my documents my social security card, my Driver 's license as proof.the address listed above I've never resided there, and that address is not linked to any accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this 5th CFPB COMPLAINT today to inform the Credit Reporting Agencies are required to remove the disptued accounts and information from my Credit File under the Fair Credit Reporting Act Section 605b. I have been submitting Dispute letters and CFPB complaints addressed to the Credit Reporting Agencies requesting the removal of the disputed fraudulent accounts and information completely from my Credit File. However, the Credit Bureaus have become stubborn and neglected their duty to investigate and verify the disputed items. I was a victim of identity theft and that the items I am disputing were never mine neither did I authorizde anyone to open these accounts in my behalf. Under th Fair Credit Reporing Act section 605b, I am requesting once again to remove the following items completely from my Credit File : XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Also, the Credit Bureaus have failed to send me copies of proof of their verification or proof of ownership to prove that the disputed items belong to me. And yet hey continued to report th disputed items despite not being able to verify the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my credit report. they sent back stating that everything is verified correctly. my credit report ar still showing inaccuracies. 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

After checking my credit report I noticed a derogatory item on my credit report saying that I owed {$1700.00}. I wrote a letter to the collection agency to dispute a derogatory item on my credit report that they reported to the credit bureaus. On XXXX XXXX they received the letter that I sent certified mail .in the letter, I told them that I am not responsible for the debt they are reporting on my credit report, and asked them to stop reporting the debt on my credit report. And to stop all collection attempts of the debt, and I also asked for them to verify the debt if they dont stop reporting the debt on my credit report. It has been more than 30 days and they have not responded to me in any way or not have they deleted the item off my credit report report, or stop attempts to collect the debt. which is a violation of section 611 of the FCRA.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platforms. 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 CFBP '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.
Product: Credit reporting or other personal consumer reports

I recently noticed EQUIFAX that I am a victim of identity theft. the fraudulent / error accouts reporting on my credit report are not accounts that I opened or authorized in my name
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$30.00}
Product: Checking or savings account

On XX/XX/22, I learned that my check XXXX XXXX was cashed to a person that I did not authorized. The check was written to XXXX in the amount of {$66.00}. The check was washed and written to a XXXX XXXX XXXX for {$15000.00}. PNC Bank was notified on XX/XX/22. I was not able to open an account online, so on Monday XX/XX/22, I went to my PNC branch location in XXXX, GA to open a new account while the current account was being investigated. The branch was under staffed and not able to take that day. They referred me to the XXXX location in XXXX XXXX, XXXX XXXX XXXX opened a new account. The bank mailed me an affidavit which I submitted on XX/XX/22. After a couple of weeks, I checked with XXXX XXXX on status of resolving this matter and stated that I really needed my {$15000.00} returned. At that time she asked me if the bank had told me that it would take 120 days to look into this matter. I told her this was not satisfactory. She made a complaint on my behalf. I was was contacted by XXXX XXXX XXXX at PNC. I asked at that time if PNC would provide interim funds. She said it was not possible. She basically said it takes 120 days and there was not anything I could do about it. I received a letter from PNC Bank on XX/XX/22 that showed proof of payment and to call PNC if thought it was fraudulently negotiated! I was upset. XXXX XXXX said it was standard procedure and PNC was still investigating. She said I should file a police report. I filed a report with the XXXX Georgia police depart. Case # XXXX with XXXX XXXX XXXX in late XXXX. I found out later from XXXX that the PNC XXXX request XXXX is XXXX. 
It is now closing on almost 3 months since the fraudulent check was issued. Check washing has happened often recently, especially for mailed dropped off at the XXXX post office. Other neighbors and friends that I know have received their money from other banks within a month. The banks are XXXX and XXXX XXXX XXXXXXXX. It seems very unreasonable to have this issue take so long. Also, it seems suspicious that the person knew they could write a check for {$15000.00} and it would go through. XXXX Police said that {$1500.00} was the highest amount that had been frauded to date! 
Basically, I have to call periodically to get updates on this from PNC. The only PNC rep that I have a phone number to is XXXX XXXX in the XXXX XXXX. Her Branch Manager is XXXX XXXX. The person handling my complaint and investigation is XXXX XXXX  XXXX. When I spoke to her in XXXX she gave me a number that was never answered and you could not leave voice mails. I feel like they are hoping that I will forget about this matter. I am over XXXX and feel I am being taken advantage of! PNC never has offered to provide funds in the interim while I am out the money. I have asked at least twice. This is unsatisfactory service!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  account ending in # 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX
Product: Bank account or service

I 've just returned from the XXXX for my business. I was traveling in remote areas of the country where the vendors I was purchasing from, for the most part, only accept cash. I used my XXXX Bank of America debit cards to access cash. As a bank of america customer from before it was called Bank Of America, I was charged {$440.00} in foreign transaction fees for accessing cash from my OWN BofA accounts. BTW, that same cash on deposit earns virtually no interest & they use my cash to make money via lending and other services. To charge me {$440.00} just to access my own cash which is on deposit with this institution essentially for FREE ... has me off the charts angry. This should be illegal & it is ethically & morally wrong. I can not believe I have been loyal to this institution for this long! In addition to these I also have been assessed {$130.00} in fees on my BofA VISA credit card. Essentially, it cost me {$580.00} to be a Bank of America customer visiting XXXX XXXX for XXXX days. Of that {$580.00}, at least {$440.00}, or 77 % was a fee to access my own money. How can this even be legal???? I would appreciate any help you can give me in getting these fees 100 % refunded. To date, they have refunded {$230.00} without explanation as to how they arrived at this figure. It matters not - it should be 100 % refunded & should never have been charged. I would like to know what the tax dollars I pay are doing to protect me???? XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled with portfolio recovery and they won't change the amount
Product: Credit reporting or other personal consumer reports

I personally closed this acct # XXXX in good standing on XX/XX/year> in good standing I was never late I believe in fact I know this was an era on there part