23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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, 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 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

The following inquiries I have previously disputed with the CRA and they have failed to provide proof of the fraudulent inquiries with my signature XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy These are all being reported without permissible purpose.
Product: Debt collection

On XX/XX/22, CREDIT COLLECTION SERVIC added a derogatory mark on my credit report for {$440.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

This alleged debt is not mine I never entered into a signed agreement or completed an original contract with ( The Credit Collection Services ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. 

I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. 

This is a violation of XXXX XXXX XXXX permissible purposes of consumer reports. Pursuant to XXXX XXXX CODE XXXX ( a ) ( XXXX ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! XXXX XXXX. XXXX Block of information resulting from identity theft. XXXX XXXX XXXX XXXX a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( XXXX ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand all collection activity cease immediately and for this inaccurate collection to be removed and deleted from my credit report immediately or I will file for litigation and report you to the FTC
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report I am a victim of identity theft, and did not make the charge. I asked that the items be deleted to correct my credit report.. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal trade commission, identity theft, affidavit. Please delete the items as soon as possible.. 

XXXX XXXX XXXX ( Finance ) XX/XX/2024 CAPITAL ONE ( Bank ) XX/XX/XXXX, XXXX
Product: Mortgage

My father and I are on a FHA home mortgage through U.S. Bank. Having fallen behind on monthly payments due to a loss of income due to the separation between my son 's mother and I, my father and I began talks with U.S. Bank representatives for their loan mitigation services XX/XX/XXXX. Since that time, we have not made any progress with the loan mitigation as far as a resolution, and have even used XXXX separate " relationship managers. '' Around XX/XX/XXXX, they denied our request andsent us to foreclosure, informing us that we could no longer make monthly payments. Soon after, we re-applied, were accepted, and began talks with our XXXX relationship manager. We resumed monthly payments until XX/XX/XXXX. Again, after much deliberation on the part of U.S. Bank and our then relationship manager, we were sent once again to foreclosure, due to claims that we did not provide proper income verification. We applied yet again XX/XX/XXXX, were once again accepted, but during the same week, were served with court documents from U.S. Bank as plaintiff in regards to the foreclosure of our home. WE are unsure as to whether we are being placed in foreclosure or continuing with loan mitigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA, XXXX Cur : XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : Report # : XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX Inquiry date XX/XX/XXXX Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX Inquiry date XX/XX/XXXX Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX Inquiry date XX/XX/XXXX Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX Inquiry date XXXX XXXX XXXX Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX Inquiry date XX/XX/XXXX Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have found out that the account XXXX XXXX with the account number XXXX and XXXX with the account number XXXX and the address XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX are fraudulent . I have no association with the above mentioned accounts and address. They do not reflect my factual information and area a breach of my personal information. Please investigate and remove these fraudulent accounts and address from my records immediately.
Product: Checking or savings account

On Thursday XX/XX/XXXX at approx XXXX EST, someone used my debit card number on XXXX 3 times in a row for XXXX and then a 4th time for {$110.00}. 

Wells Fargo did not send me a fraud alert of any kind. 

The merchant is several time zones away. 

I woke up at XXXX on XX/XX/XXXX and the ONLY notice Wells Fargo gave me was that a XXXX transaction was declined due to NSF . Criminals had emptied my account of over {$400.00}. I had to cancel my grocery order for the weekend. 

I turned off my debit card on the online app at XXXX on XX/XX/XXXX and then immediately called Wells Fargo to alert them. 

The person on the phone seemed more concerned with sending a new debit card rather than giving me my money back through a fraud claim. 

Friday, a business day passed, then the whole weekend, and Monday XX/XX/XXXX passed, another business day, and so I called Wells Fargo again. I was upset that the claim was marked as dont remember the charges rather than FRAUD. I was told on my second call to Wells Fargo on Friday XX/XX/XXXX that this was a confirmed fraud case. 

The agent had additional questions for me to forward my claim. She also stated this was a confirmed fraud case. Wells Fargo never reached out to me to ask these questions to forward the claim, I had to sit on hold for 45 minutes! 

The strange thing is, she seemed more concerned with giving the merchant a chance to provide IP addresses to prove if the charges were legitimate. 

I only use my debit card at XXXX and at my vets, and XXXX. My debit card is in an RFID scanner blocker sleeve at all times. 

I dont know if Wells Fargo had a other data breach, but I do know 2 business days have passed and I want my money back in my account per the law. 

I am still waiting to get groceries on Tuesday XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian Credit Reporting agency has failed to remove an alleged account from my credit profile. Since XX/XX/year> I have requested how they are validating this debt. The reporting agency has not properly investigated this alleged account. It is hurting my credit that this alleged account is still being reported. This alleged creditor has reported it to other bureaus who investigated this matter and found that I have no relations with XXXX XXXX XXXX. I have provided proof of this deletion from other credit bureaus, and I have also sent over this proof to Experian. I kindly request that Experian remove this alleged account from my credit report. Furnishing this account to my credit profile has violated 15 US Code 1681B, not only was I NOT notified of any account, but it has been furnished without my consent. Experian Credit reporting Agency has failed to ensure the MAXIMUM accuracy and integrity of the information they report. In this case, the inclusion of this fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ). Please move forward with removing this account from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Reporting a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and data breach which is the result of identity theft and fraud.These fraudulent accounts consists of a credit card accounts opened at XXXX XXXX XXXX Bank Around XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX XXXX around XX/XX/XXXX, and loans opened at XXXX Opploans around XX/XX/XXXX and Military star around XX/XX/XXXX & XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX and XXXX collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA lawsI 've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer XXXX XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
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 platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I sent a large amount of USDT to Coinbase from the XXXX exchange. 
The money did not come because the network is not supported by Coinbase. 
This money is in Coinbase XXXX and they can return it, but they are not willing to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account with the name of XXXX XXXX showed up my XXXX  XXXX  on XXXX  Credit Report with a tradeline of {$12000.00}. It said, this account has been active for 6 months. I had an account with XXXX XXXX  and I had it cancelled right after I signed up for it back in XXXX. Now all of a sudden, I got an account showed up, that I never signed up for with Monterey Fin or XXXX. I got an email from XXXX that my account has been reported to bureaus. The account I had cancelled with XXXX and never agreed to signed up with Monterey Fin Or XXXX. I want this account off my credit report, I never agree to any of their terms or ask for it to show up on my credit. It is fraudulent.
Product: Credit card or prepaid card

hello how are you all doing! 

I had netspend card for a longtime no problems. suddenly my card was hacked or comprised, they are several unauthorized charges on my account. totaled close to {$2000.00}. i filed an dispute. The only give {$2.00} back out of almost {$2000.00}. and denied the other charges which doesnt make since because the {$2.00} i received was an charge from flordia . I live in north carolina the charges came from Flordia and other states i never traveled too. Iam a single mother i cant afford to lose my hard earned money to scammers. I believe netspend is not upholding the federal laws that are made to protect its consumers against fraud. ( XXXX ).
Product: Credit card or prepaid card

In a XXXX  store ( Jersey City ) I made a purchase of {$30.00} in XX/XX/XXXX using XXXX XXXX XXXX store credit card. I did not receive any email notification on my account status in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX regarding outstanding balance and/or late payment fees. 

Today, XX/XX/XXXX I reviewed my account and discovered late charges for $ XXXX.I spent several hours trying to speak with a representative to resolve this issue and either they hung up on my call or kept forwarding. 

I refuse to pay this amount as I had no idea that I even owed {$30.00} in XX/XX/XXXX. Let alone a staggering amount of {$100.00} late charges. 

I request CFPB to help resolve this issue and ensure bad business practices such as these are eliminated so another consumer does not have to go through this nasty experience. 

Thank you.
Product: Credit card or prepaid card

I am writing to express my concern regarding an insufficient fee charge of {$250.00} that was debited from my Capital One Credit Card account on XX/XX/2023. 

On XX/XX/2023, I initiated a deposit of {$100.00} into my credit card online account, a few minutes later I deposited {$150.00} from my Capital One Checking account to my online Credit Card account. According to the information provided on the Capital One credit card online portal, deposits are processed on the same day with a cutoff time of XXXX XXXX 

Upon reviewing my account activity, I noticed the imposition of the aforementioned insufficient fee charge. However, after contacting Capital One 's customer service on XX/XX/2023, I was informed that the deposit of {$250.00} was notcredited to my credit card account until five days after the initial deposit was made, citing that the funds were not available in the account at the time of processing. 

I find this explanation perplexing, as the online information on the credit card portal specifically states that the deposit is processed on the same day with the mentioned cutoff time. Due to this discrepancy, I kindly request that Capital One thoroughly investigate this matter and reconsider reversing the unjustified {$250.00} insufficient fee charge. 

As a loyal and responsible customer, I have always maintained my accounts in good standing, ensuring timely payments and adherence to all terms and conditions. Hence, I believe that this fee charge is an oversight or an error in processing that needs immediate resolution. 

I kindly request that you conduct a comprehensive review of the deposit process and account activity to rectify this matter as soon as possible. Your prompt attention to this issue would be greatly appreciated. 

If required, I am prepared to provide any additional information or documentation to support my claim. Please find enclosed copies of the deposit transactions made on XX/XX/2023, for your reference. 

I look forward to a swift resolution to this matter and a favorable response from your end. Should you require any further clarification or information, please feel free to contact me at
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX RV so myself and my family can move to XXXX in XXXXXXXX XXXX. 

On Wednesday XXXX XXXX XXXX in XXXXXXXX XXXX told me I was good to get {$50000.00} XXXX credit after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked RV for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These RVs usually go for low 50s. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, XXXX  XXXX or XXXX  in XXXX, XXXX  XXXX that I visited on Wednesday XXXX? 

XXXX XXXX XXXX XXXXXXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my credit score and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or RV to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXX XXXXXXXX XXXX XXXXXXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged XXXX for my XXXX subscriptions. Then the subscriptions were removed so I paid but cant watch XXXX live nor was I refunded. 

Thanks for your help. 

XXXX XXXX XXXX XXXX. 
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Product: Mortgage

I applied and was pre-approved for a Manufactured Home Loan on ( XX/XX/2019 ) later it was denied. The irony of it is that the first decision was supposedly based on credit history, but the questions that were asked to me by the officers/processors were related to age and somewhat about credit and work history. Another irony is that I proposed a 22 % down payment. The lady was very eager to ask for money to conduct the appraisal, processing, etc. Later she denied it. She even was reluctant to talk to me by phone and did not answer my calls and messages. 
I feel that Vanderbilt is violating the Fair Credit Practices in terms of Housing and Fair credit in terms of personal loans and/or credit cards. The reason is that the lady used other factor than the capacity to repay the loan. The factor that she used was two-fold : age, and national origin. I also believe that the decision was not fair and was solely based on age and national origin or race. It means that Vanderbilt is trying to make America XXXX  and Young Again. Please, consider this a formal complaint and be aware that I am seriously considering 1. File a Formal complaint with HUD Office of the Inspector General and the Consumer Protection Agency, 2. Develop a blog to let other people know about these practices.
Product: Vehicle loan or lease

Can bridgecrest provide me billing statements from the first billing cycle to the current date.
Product: Credit reporting or other personal consumer reports

Ive been disputing XXXX collection accounts, as well as removing different variations of name, old addresses. Bureau is failing to comply, will not accept my letters sent to address. 
Stalling the process to take longer than 30 days investigation period, failing to provide adequate information on how they validated disputed items. They are not following fcra laws. 

They are stalling sending letters stating they can not process disputes sent by mail claiming it was sent by a third party, when I clearly sent all documentation to validate identity and stating it was not sent from a XXXX party.
Product: Debt collection

Performant Recovery , Inc., Financial consultant in XXXX, Oregon # ( XXXX, using name XXXX ). 
Has called family members, friends and my employer. Aggressively stating they have important info to provide and that they obtained their ( my family and friends ) info from a some type of reference.