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

On XX/XX/XXXX I opened a youth savings account for my grandson at Bank of Albuquerque in XXXX New Mexico so that social security can deposit his backpack. I also opened a checking account. In the checking account I deposited {$1500.00} to start the account and {$50.00}. to start the savings account. I have never had a problem with either of these accounts. I went into the bank and opened up these accounts with a personal banker. My grandson got his first deposit of three on XX/XX/XXXX and both accounts are and were in excellent standing. I have problems with the FBI IN XXXX NEW MEXICO. I am currently suing XXXX  XXXX XXXX for allowing the FBI to illegally search my safety deposit box without a warrant. I expressed this concern to Bank of ALBUQUERQUE. There was weird stuff going on with my account so I called the bank several times and asked them questions about my account. For instance I would have charges clear and then they would be tied up again as if to tie up my available money. The bank said noone has asked them for information and they didn't know anything about the FBI. I have 8 calls recorded that I made to bank of ALBUQUERQUE about this problem. I asked bank of ALBUQUERQUE if they were able to give me a time stamp of all the times a bank official had accessed my account? They said yes and told me to call the legal number. I did and left a message. I didn't hear anymore about it until today XX/XX/XXXX when I received a letter from Bank of Albuquerque it was a Notice of Termination account relationship they stated they're closing my account as of XX/XX/XXXX without a reason as to why. They stated all my money would have to be out of the account by then or they will forward it to me in a check they asked me to stop using my bank card. Told me I was welcome to go to a branch to close it out. I have a problem with this because my grandsons social security goes in the account and I have done nothing but tell the bank I don't want the FBI XXXX illegally accessing my accounts with out proper warrants and documentation. The letter they sent to me makes it look like I have done something illegal and I haven't it also makes other Banks not want to have a banking relationship with me. I believe it's retaliation because they have already let the FBI have access to my accounts without a warrant and to avoid liability and responsibility for it they are making it look like I did something wrong which isn't the case.
Product: Checking or savings account

I tried opening a bank of America account and was told I could not and had to call this 800 # to BOA when I called I was told I could never open an account with BOA because of an account that was closed in XX/XX/2006 by loss prevention I don't even remember having a accounts with bank of America they could not give me a reason why the account was closed or any details as to what happened. The girl got really short with me and just kept on saying " sorry you can't ever open an account '' if this was a fraudulent account should I not have the right to get more than just being band for life from a bank. are they discriminating against me because I'm XXXX or none American born.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

The XXXX XXXX Citibank branch manager XXXX XXXX refused to assist with a transfer even though the funds were available. 

I was forced to call the Citibank XXXX number and they were able to help me. 

This was a situation where because of discrimination XXXX XXXX wasn't willing to help me. I would like this investigated, and for someone to call me.
Product: Credit reporting or other personal consumer reports

This is a formal complain against all 3 credit bureaus - TransUnion, XXXX, XXXX. It all started with my identity was stolen and used to create a credit card account with XXXX XXXX XX/XX/XXXX. I learned about the existence of the account when I received a bill in XX/XX/XXXX. I immediately reported fraud to XXXX XXXX, who then closed the account while doing their investigation. I then asked and confirmed that the account was closed in XXXX XXXX. Because I continue to receive a bill from XXXX 's into XX/XX/XXXX despite being told that the account is closed, I filed an Identity Theft report from FTC in early XXXX and mailed the letter and report to all 3 credit agencies. When I applied to a mortgage lender for loan, a credit pull in mid XXXX resulted in my credit score dropped by XXXX points. All 3 credit agencies reported that the derogatory remark was because of the outstanding, XXXX days past-due balance from XXXX 's XXXX despite I have placed an fraud alert and reported it to them. I have since filed a Police Report and submitted it to XXXXXXXX XXXX again , who claimed that they are doing yet another investigation for another 50 days. No credit agencies acknowledge this account is under investigation but " customer closed the account ''. At the end of XX/XX/XXXX, I physically went to XXXX XXXX to pay the balance and prepare to file a dispute in small claims court. Credit agencies bare no responsibilities but ruin my life despite me being a victim of identity theft and did my due diligence to ensure that I did my part to make this as transparent and as fair as I can. As far as I can tell, paying for an outstanding balance created by a perpetrator is not fair, nor do I suffer XXXX points deduction in my credit score. This is literally no way to recover from this nonsense against corporate bullies. FTC identity theft report, police report, evidence, history of credit -- none of those things matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraud claim against a dental firm. Their office burnt down and one of the owners stole all the insurance money in which I never received the XXXX XXXX XXXX and they made a FALSE CLAIM for a collection of @ XXXX - I NEVER RECIEVED THESE SERVICES. Not only that, she also didnt distribute any of the insurance proceeds to any employees and fired them! The false claim was reported to the credit bureaus by XXXX XXXX XXXX, XXXX. Now located at- XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Resugent collection refuses to provide any records of any services THAT WERE NOT RENDERED.
Product: Debt collection

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : Lvnv Funding LLC XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice delivered to me on XX/XX/year>XXXX  regarding account LAST 4 # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.

I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in lite if the recent CFPB lawsuit highlighting significant issues with the platform. Depute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle both failed to further investigate my claim adequately. The informed me that recovering lost funds was impossible and that tracking was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

1st Equifax 'NEVER ' gave me my complete credit report even after I contacted them telling them it was incomplete. They further closed the case against them with CFPB knowing they had not fulfilled giving me my complete credit report. 2nd After contacting Equifax 's CEO XXXX XXXX and informing him of all the problems I was having with his company, Equifax lowered my FICA Score from XXXX ( the other 2 credit reporting agencies have my FICA Score as XXXX ) to XXXX. No one who uses Equifax is either going to give me any credit or are not going to give me favorable rates. This is retaliation for reporting Equifax to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX, EQUIFAX XXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 and still no current record of update or response from any of the credit bureaus for my disputes. My rights have been violated. 
these are the accounts in dispute : XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXXXXXX XXXX  acct # XXXX, XXXXXXXX XXXX  acct # XXXX and XXXX acct # XXXX According to 15 USC 1681i XXXX, EQUIFAX & XXXX XXXX shall free of charge, conduct a reasonable re-investigation 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. I have provided the certified mail receipts for the disputes I had sent to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

XXXX Inquiry from XX/XX/ Misc. 

XXXX XX/XX/XXXXInquiry fromXX/XX/XXXX XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX Finance XX/XX/XXXXInquiry fromXX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/ XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/ Finance
Product: Debt collection

To whom it may concern, I am writing to formally file a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX XXXX  - XXXX
Product: Money transfer, virtual currency, or money service

I am writing currently to express my concerns and grievances regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting and regarding significant issues with the platform. Despite using Zelle and numerous times and reporting discrepancies, my financial institution and Zelle have both failed to investigate my claims thoroughly and 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 also allowed repeat offenders to exploit the system, leaving various users open and vulnerable to scams. The lack of accountability and transparency is absolutely abhorrent and unacceptable, thus raising concerns about consumer safety.
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 XXXX  # XXXX XXXX  # XXXX has violated my rights. 

15 U S C 1681 section 604. A States I have the right to privacy 15 U S C 1681 section 604. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U S C 1681 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 items 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

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equifax the whole month of XX/XX/2021 I asked if I could speak with the fraud department I even spoke with Supervisors and managers and no would helped me with the unknown inquiries I was told by different Representatives at XXXX  the unknown inquiries would be removed I had to call back Multiple times for weeks for getting false information about my credit report.
Product: Checking or savings account

I have maintained a checking account and a United XXXX XXXX credit c ard with Chase for over 10 years, and utilize the credit card almost daily, as my job as a Management Consultant requires that I travel every week. Chase recently closed my checking account as well as my credit card without any warning
.

I received a call a few months ago from a Chase Branch Manager about a legitimate wire transfer that I initiated, and was questioned about. Given the fact I am first-generation American and have family that resides overseas, should I be forced to not be able to transfer money to and from family because Chase thinks it is fraudulent? I believe this is absolutely discriminatory and appalling behavior by Chase.

I have contacted Chase multiple times, and they have blatantly refused to provide any reasoning as to why my accounts were closed, other than we can close it if we want to.
Product: Payday loan, title loan, or personal loan

In XXXX, I have obtained a installment loan from XXXX for {$1000.00} after an outstanding interest rate on the account I have not made any payment to the company because I did not agree with the unaffordable interest accrued on the account. On XX/XX/XXXX I have received a call from Global Trust Management about my account with cashnetusa in regards to making payment arrangements. I have never done business with this company whom have obtained my personal non public information 15 USC 6802 directly violating my rights to privacy, 15 USC 1692f 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have never signed an agreement with this company and have never once recieved in writing any disclosures on how my private information is being used. This company has violated the Gramm-Leach Bliley Act of 1999, Fair Debt Collection Practice Act, Code of Federal Regulations, and the consumers right to privacy.
Product: Debt collection

ATTENTION DISPUTE DEAPRTMENT ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$770.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$380.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$720.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$390.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$530.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$770.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$380.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$720.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$390.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX {$530.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX