23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Identity Theft Due to Data Breach Dear CFPB, I am writing to formally file a complaint regarding identity theft that I experienced as a result of a recent data breach. This incident has caused significant harm to my personal, financial, and emotional well-being. 

Details of the Incident : Name of Company/Organization Responsible for Breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Data Breach : XXXX Type of Information Compromised : [ e.g., Social Security Number, financial account information, drivers license, etc. ] Description of Identity Theft : Since the breach, I have discovered that my personal information has been used without my consent. Specifically : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken the following steps to address this issue : Reported the identity theft to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. 
Contacted the companies involved to dispute fraudulent accounts and charges. 
Placed fraud alerts and credit freezes with the three major credit reporting agencies ( XXXX, Experian, and XXXX ). 

Impact : These fraudulent activities have negatively impacted my credit score and caused considerable distress. Additionally, I have incurred financial losses and spent significant time resolving these issues. 

Request for Assistance : I request that the CFPB take the following actions : 1. Investigate this matter to ensure that the responsible organization is held accountable for the breach. 
2. Assist in ensuring that the fraudulent activities are resolved, and my credit report is corrected. 
3. Advise me on any additional steps I should take to protect my identity and financial well-being. 

Enclosed are copies of the following documents to support my claim : Police report ( if filed ) FTC Identity Theft Report Thank you for your time and attention to this urgent matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require additional information or documentation. 

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

I am Listing 2 Fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked a travel package through XXXX for Travel to XXXX, XXXX between the dates of XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, President Donald Trump issued a travel ban for travel to and from XXXX to be effective on XX/XX/XXXX due to the Coronavirus. On XX/XX/XXXX, I attempted to contact XXXX, XXXX XXXX and the hotel to inform them all that I will be unable to travel on XX/XX/XXXX due to the Coronavirus proclamation order but I was not able to get through the phone line. When I finally got a hold of someone at XXXX ( Travel agency I used for booking ) In the month of XXXX I was informed that since I did not contact the airline company 3 days in advance that I will not be able to get a refund but only a travel voucher. XXXX also informed me that I will not be getting a refund as well from the hotel in XXXX since they were not alerted sooner. I attempted to contact them but was unable to get through and now I am being denied my refund of {$760.00}. After being unsuccessful in contacting XXXX by phone in XXXX to inform them of my travel cancellation due to the Coronavirus travel ban I initiated a credit card dispute through Bank of America. On XX/XX/XXXX I submitted a credit card dispute through Bank of America and I received a temporary credit on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Bank of America stating that my dispute claim will be closed and the temporary credit was reversed and the charge was returned. Bank of America never asked me for any additional documents to dispute my claim and never heard asked from my side. They simply reversed the temporary credit and closed the claim after receiving documentation from the merchant. My claim was never properly reviewed and I was never given an opportunity to respond to the merchant XXXX. Also, merchants have 30 days to respond to an initial claim and afterwards the claim is considered closed. The merchant in this case, XXXX was given 60 days to respond and when they responded on XX/XX/XXXX the case was closed on XX/XX/XXXX. This was unfair from XXXX and Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice against Experian who failed to delete unverifiable information in my credit file. I had pointed asked Experian to delete the errors from my credit report that falls under section 604 of the Fair Credit Reporting Act ( FCRA ). They have failed to comply with federal regulations by not reinvestigating nor deleting this erroneous data. At this point they are liable for willful non-compliance, discriminatory acts, and I am seeking punitive damages in the amount of {$1000.00}. I am making a final goodwill attempt and hope that you can help to clear this matter up within 15 days. Please see the attached documentation that substantiate my claim. Please note that Experian keeps alleging that this information is being verified by a 3rd party however, the 3rd party does not have any of the reported information on file for me. We all know that the most serious problems include consumers credit files being mixed with the wrong person which is possible because of the spelling of my name. Also my social security number has been involved in a few data breaches therefore I want this injurious information deleted immediately.
Product: Checking or savings account

A safe balance account was opened with my Bank of America account without my permission and a debit card was shipped to my old address.
Product: Credit card

I contacted TD BANK on XX/XX/1925, and XX/XX/XXXX for help with registering on line. 

They said they needed to set up a profile for me but it was never resolved. 

Spent hours on hold with them and get nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand my personal information is possibly exposed because of a credit agency having poor security measures. Now I understand I am to pay to have a freeze on my card, I do not believe nor feel it is right that I pay for it because I never once handed over my information to them and they are the ones who had my information compromised.
Product: Debt collection

This caller has called repeatedly called late at night, sometimes after I have fallen asleep and wakes me up. I know this debt is under XXXX if that much with the fees they keep adding. This is definitely not the original creditor and none that I recognize. I just want these late night calls to stop. I have also received calls early in the morning while still sleeping before XXXX. These calls are very annoying.
Product: Debt collection

I do not know who the second round is but I just want to get this taken care of as quickly as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights ot privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot 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.

Delete this account immediately, unless you want to be held {$1000.00} per violation 3.XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States Ihave 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 4.XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States Ihave 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.

Please delete late payments immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax, XXXX, XXXX added collection for {$1500.00} that was previously removed it is reporting this account as a new Deragatory mark on my credit report. I have not had any personal contact with the collection agency and the credit bureau DID NOT inform me this was being reported. This collect has now resurfaced and it is impacting me severely. I am currently disputing this with all 3 credit bureaus. I feel taken advantage of and the want to keep me in the negative. Please help me.
Product: Payday loan, title loan, or personal loan

I have a loan from the lending club ( loan # XXXX ) for {$14000.00} with monthly payments of {$570.00} and APR of 31.77 %. When the COVID-19 pandemic started they asked me to apply for a deferral plan where the payments will be postponed for two months as my father stopped working due to the pandemic and I had to cover my parent 's expenses. I paid the last payment on XX/XX/XXXX and then they deferred my payments of XX/XX/XXXX and XX/XX/XXXX to be on XX/XX/XXXX. When I signed this deferral plan there was no statement saying that I am not allowed to cancel it. So I thought I would cancel it when things got better because the APR they are taking from me is very high and will accumulate during these two months. In XX/XX/XXXX when I and my parents received the IRS stimulus check, I called them and told them that I want to cancel the deferral plan and pay the payments on time to avoid the extra interest, they refused to accept my money saying that the plan can not be canceled. 
I filled a complaint with them on XX/XX/XXXX, and another complaint on XX/XX/XXXX and third complaint on XX/XX/XXXX and they still do not cancel the deferral plan and still do not allow me to make the payments on time to avoid the high interest. I told them that this can not be right as they do not want to take their money back and all that they want is to keep adding interest although I am ready to pay their money back. I kept telling them that when I signed the deferral plan, there was no statement saying that I am not allowed to cancel the plan, so why they do not want to accept the money and stop taking an extra interest.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, i discovered a fraudulent hard inquiry on my Experian credit report. This fraudulent hard inquiry was from XXXX XXXX XXXX XXXX XXXX XXXX I'm in the process of buying a home for my family and this fraudulent hard inquiry from XXXX XXXX is adversely affecting my credit report.
Product: Debt collection

I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Jefferson Capital Systems , LLC. I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. As of today they have not responded to my letter.
Product: Credit card

I am deeply troubled and thoroughly disappointed by the unfolding situation in my credit report. It is not only highly embarrassing, but it is evident that either you or the company is responsible for reporting this inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states 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. XXXX XXXX XXXX and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX XXXX and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : 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}. XXXX XXXX XXXX and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a text message from Bank of America asking me to verify two transactions and to reply yes or no to verify that it was me attempting these transactions. I replied no to both and was told a fraud specialist will be in contact with me. I then received a call from a 1800 number that is the same number as Bank Of Americas customer service phone number. The male on the phone stated that some transactions had been attempted on my debit card and theyd be cancelling the card and sending me a new one. I became a little suspicious so I googled this 800 number and it was in fact bank of Americas phone number. He then stated that a charge just went through for a restaurant in Texas called XXXX XXXX in the amount of {$16.00}. When i looked at my account, sure enough, there was a new charge for this restaurant he just stated in Texas. This made me realize that I must obviously be speaking with someone from Bank of America. He then went on to say that there were also XXXX transfers pending for the large amounts and if I was trying to XXXX someone. I stated no and he said since they were already in progress, they couldnt be cancelled. But that BOA can reverse them by XXXX  myself for the amounts. He walked me through the steps of XXXX myself to my phone number that I had on file with Bank of America and XXXX in the amounts of {$3900.00} and {$1700.00}. Upon trying to have me do a 3rd transfer, I had to log out of my Bank of America app and log back in because it was freezing. When I attempted this 3rd transfer, I saw that I was about to XXXX my XXXX  name and my phone number, but I now saw that it said registered with XXXX as XXXX. That name did not show for the prior 2 XXXX transfers. I also received a text message from a XXXX  XXXX XXXX  stating that my XXXX  name had just sent a transfer in the amount of {$3900.00} and {$1700.00} and that its being deposited into some account with them. I immediately hung up the phone and contacted Bank of America myself. They told me that they had not been in contact with me and that I had just been a victim of fraud. Ive since filed a claim with them and its been over a week now. My XXXX depends on this money. Ive since also filed a police report with my local precinct and have Detective XXXX on the case. Ive also filed a claim with the FBI and have contacted XXXX XXXX XXXX  as directed by Detective XXXX to make sure there wasnt an account there opened in my name and I wasnt the victim of identity theft. They told me I do not have an account open with them. I just need this matter promptly resolved. I dont understand how someone can change account information on my BOA XXXX account and I not be notified AT ALL about that
Product: Mortgage

My husband was given XXXX  orders to Florida in XX/XX/XXXX. At that time we requested a short sale and were told we were ineligible. After over a year of essentially begging for a short sale, my husband found out from the XXXX of his ship that he should be eligible due to the XX/XX/XXXX orders. With that information I reached out to your company and complained and was approved to get a short sale. The short sale was complete and I never got a breakdown of the total loss that was claimed by CitiMortgage. Additionally, there should be some responsibility of CitiMortgage for refusing the short sale for over a year in which they charged against my VA entitlement in the sum of XXXX. I would like to know exactly how they came up with this number.
Product: Credit reporting or other personal consumer reports

on XX/XX/year>, I sent this company a letter about some errors on my credit report, but it's been over 30 days, and I still haven't received any response from the company. I was informed that they may be violating the FCRA law for not complying. Please look at this matter, as those errors on my credit need to be cleared as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 loss funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat 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: Checking or savings account

On XXXX I filed a dispute in the amount of XXXX dollars XXXX is the claim number on XX/XX/year> netspend said I won my dispute and I could receive my money my account was closed so there was no way to get my money on XX/XX/XXXX they said they sent out a check for the dispute amount and I should receive it by XX/XX/XXXX I have talked to numerous people and even talked to someone in the XXXX office they said they canceled the first check the sent and send another one I haven't received anything from them I asked for them to open the account for a few hours just to let me get my money they are holding my monies XXXX and I can't keep waiting no way on earth it takes mail 2 months to come from XXXX to XXXX
Product: Credit reporting or other personal consumer reports

My complaint is about Equifax reporting a fraudulent inquiry on my consumer file from XXXX. I have supplied an FTC report, Identification, Social Security card and my personal bank statement. There were two separate inquiries on my consumer file and Equifax has deleted on but refused to delete the inquiry from XX/XX/2023. I have called in multiple times regarding this issue. One representative gave me this reference number and told me that the inquire would be removed XXXX. The next representative gave me this reference number XXXX. This representative said the same that and I explained that I've received two letters from Equifax stating the inquiries were removed but yet the one inquiry is still on my consumer file. The said I see that the inquiry was removed but there must be a glitch in the system. I'm provided the two letters sent to me from Equifax as proof.
Product: Debt collection

I got a notice stating I owed the over XXXX with a bank account that is not mines. The contract was online and I never did any business with them.
Product: Debt collection

I continuously receive calls from Global Portfolio Recovery claiming that they access to my social security number with a claim against me that I owe on a debt that I am unaware of. They call my work and cell constantly! It gets to the point that I need to put my phone on silent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The total balance of the Lowes SYNCB was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of XXXX, XXXX, and XXXX. Tried to resolve with Lowes but failed to do so. I need the correct balance of {$0.00} to reflect on the credit report.
Product: Mortgage

I have been struggling with Servion for months now since they mistakenly sent out payments incorrectly to multiple insurance companies without telling me. My escrow account was completely raided, and escrow recalculation this year was all messed up and now my payments are also incorrectly calculated this year. I spoke to multiple agents, most recently I sent out an email directly to XXXX XXXX, XXXX XXXX for Wisconsin. XXXX put me in contact with XXXX XXXX, who assured me this is all taken care of now and my XXXX $ payment ( much of which is the funds I had to track down myself that Servion sent out into the nether without any info to me as to where ) would be correctly applied. XXXX gave me an exact amount he calculated on his end with his team that I would see on this month 's statement. It didn't happen, I have this month 's statement now and everything is still messed up. Oh and I cant get a hold on XXXX anymore, he is awol. I am calling Lawyers at this point because I have no choice.