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

Hello, My name is XXXX XXXX. I am writing to request your assistance in addressing an issue I have encountered with Credit Karma regarding my personal data under the California Consumer Privacy Act ( CCPA ). 

Background : I initially joined Credit Karma following their acquisition of XXXX, expecting a continuation of the services XXXX provided. However, it became apparent that Credit Karma did not offer the same functionality and instead seemed focused on acquiring detailed financial information from XXXX 's user base, myself included. This experience has led me to believe that Credit Karma has engaged in a bait-and-switch tactic, leveraging Mints user data without providing equivalent service. 

My XXXX : Due to a past experience with identity theft from a significant data breach, I am vigilant about my personal information. On XX/XX/year>, I formally requested Credit Karma to delete all my personal data in accordance with my rights under the XXXX. Despite multiple follow-ups, Credit Karma has provided insufficient responses, avoiding my direct questions about what specific data they retain and the legal basis for doing so. 

Specific Requests : XXXX. Detailed Information : A precise list of all personal data that Credit Karma has retained, including categories like bank account details and net worth, and the specific legal reasons for retaining each category under the XXXX and other relevant laws. 
XXXX. Data Deletion : XXXX deletion of all personal data not required to be retained by law, with clear communication on why any retained data can not be deleted. 
XXXX. Transparency : Detailed explanation of the data anonymization process used by Credit Karma, ensuring my data will be completely unidentifiable post-process. 

Next Steps : XXXX XXXX lack of response has left me no choice but to look for external help. I request your intervention to ensure that Credit Karma complies with my data deletion request and provides the transparency required under the CCPA and the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

Thank you for your time and consideration. I hope you can help me. 

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

While checking my most recent credit report, I noticed 1 Account that I am unaware of, and believe to be fraudulently made by the following companies : Account : XXXX. XXXX XXXX XXXX XXXX XXXX CLOSED ) /XXXX  XXXX When looking at TransUnion, this company is not reporting to them any longer. Why is this being reported in XXXX? And it was fairly recently that this was reported. This is fraudulent, inaccurate, and a violation of my rights. There has been no contact from XXXX or XXXX XXXX XXXX to collect on this loan. I've contacted XXXX multiple times and they do not have this account. I've contacted XXXX XXXX XXXX and they do not answer either. So I can not verify this account or resolve this. 

I've asked before if XXXX XXXX XXXX can prove that they own this loan since I gave no permission for my personal information to be given to any company. And I've received nothing. 

I have reached out to the US Department of Education and they do not have records of this account, nor do they keep records of private student loans. 

I request that XXXX and TransUnion show how they verified this account. 
Are they verifying this from the guarantor? 
In TransUnion they are not reporting, so how are they reporting here? 
Who is the guarantor of this loan and can they provide proof? 
Why does the report date show XXXX of XXXX  and not the XXXX  date of TransUnion? 

There are several inaccuracies compared to the account under TransUnion. If this account is not being accurately or fairly reported, I request this account be removed as this is a violation of my rights. 

I have attached what is being shown in my credit report. And have sent a letter to XXXX. Page 3 of the attached document shows the inaccuracies of the last report date and that the account is still reporting whereas with TransUnion it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

After ordering a credit report from XXXX. I observed these UNVERIFIABLE items on my personal profile after receiving a copy of my report. I saw many items that are deceptive to me about my credit report. XXXX XXXX XXXX, is the name of the letter I wrote to the three credit bureaus. I believe they violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to validate these items. I mentioned this in my most recent request and I'm hopeful that it would help get rid/ correct of the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, US DEPT ED XXXX XXXX XXXX {$17000.00}, US DEPT ED XXXX XXXX : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be reporting on my file nor have they been physically verified as stated within the FCRA language. I have made many attempts to set my self free from these unauthorized accounts but instead the following credit agencies resolve is always a statement claiming accounts verified, but never recieved any physical documentation of such. I've requested the Method of Verification for the  investigation into the accounts but haven't received any documentation whatsoever. If the credit agencies can not permanently resolve this issue I will file suit and/ or with the FTC . You and your companies totally ignored Section 609, and section 611. If the credit reporting agencies can not send me their Method of Verification and/ or provide me with physical documentation/ contracts then I'm demanding that the following credit agencies, Equifax and XXXX block these accounts immediately and permanently, ( # 1 ) XXXX XXXX {$0.00}, ( # 2 ) XXXX XXXX XXXX {$390.00}, ( # 3 ) XXXX XXXX XXXX {$130.00}, ( # 4 ) XXXX XXXX XXXX {$1000.00}, ( # 5 )  XXXX XXXX , ( # 6 ) XXXX XXXX XXXX {$920.00}
Product: Prepaid card

THE AMEX BUSINESS GIFT CARD DOESNT LET ME SPEND IT ANYWHERE. CANT USE IT ON ONLINE STORES OR EVEN USING SQUARE. USLESS FOT A GIFT CARD!!!
Product: Checking or savings account

Today, XX/XX/XXXX, a party attempted to withdraw ~ {$37000.00} from my checking account. The transaction failed because I don't have that much money in my account. 

I call Chase Bank and they indicated a party was attempting to withdraw these funds and I need to call them. I have no idea who this party is, but the bank has effectively locked up my account. I have XXXX children with varying degrees of special needs which requires me to make payments on their behalf and the bank basically told me to go " XXXX myself ''. 

There was no due process ; no notification, just someone trying to empty my bank account and the bank letting them. They indicated there was a " legal notice '' and I asked for the details and a copy of any documentation, and they refused, and gave me a phone number to call. 

How can this happen? My children 's lives are at risk. You realize when you did not break up the banks back in XXXX you only emboldened them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX has violated my rights 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions This account is reporting that it is charged off at the same time it is reporting an increase in balance monthly this is illegal and violating my rights.
Product: Credit card

i was solicited over the telephone for an at home business opportunity on XX/XX/2016 by a company that called itself ap industries.they proceeded to take XXXX from me.i found out i had been taken.they charged me a total of XXXX on several different cards.i thought for sure citi would help me with this as services were never rendered to me.
Product: Checking or savings account

XXXX Chase closed my account for no reason, I havent called them for few times, they didnt give me the reason just closed my account.I havent been used the account 2 years, I'm a loyal customerI recommended my boyfriend open an account in Chase and deposit all the money in Chase . We are about to get married and open a joint account. Chase closed my account, so we can't open a joint account as a couple, It caused me a lot of trouble.I request Chase to restore my account please
Product: Debt collection

XXXX : First Federal Credit Control/and XXXX XXXX XXXX : XXXX XXXX XXXXTHIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 XXXX b ) that your claim is disputed and validation is requested. 
Upon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX OH XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX of these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. 
Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. 

I am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. 
Please investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within XXXX days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately.
Product: Money transfer, virtual currency, or money service

Im submitting this claim to address financial losses I incurred due to significant discrepancies within Zelles system. These failures directly compromised the security and reliability of my transactions, resulting in monetary loss that was beyond my control. Zelles inability to safeguard users and effectively address unauthorized or disputed transactions has been a recurring concern, as evidenced by the ongoing CFPB lawsuit. The lawsuit underscores systemic issues within Zelles platform, including inadequate fraud prevention measures and failure to resolve disputes in a fair and timely manner.

The situation I experienced mirrors these widespread issues, and it is unacceptable that I should bear the burden of losses caused by flaws in the platforms design and oversight. I am requesting a full refund of the amount lost due to these failures. This resolution is not only fair but necessary to restore confidence in a system that has already been flagged for its shortcomings. I trust this claim will be reviewed with urgency and resolved promptly.
Product: Credit reporting or other personal consumer reports

I Have filed several cfpb claims and disputes pertaining to idenity theft to no avail. I have since asked for for a 1099c due to the company reporting to my credit of a profit and loss write off which is now considered fraud because they did not send me a 1099c so I could have used it as income I have taken all revenues to address the issue with the company when it came to identity theft but now I'm at the stage of seeking consel and sueing the company for inaccurate reporting on my report and failure to send a 1099C in which it has been over 3 years and they did a write off I ask this be account be removed from all credit bureaus immediately failure to do so will result in a lawsuit.
Product: Mortgage

After 10 years, Ocwen Servicing Loan has increased my loan {$300.00} on an arm loan. The interest rate on the loan remains the same. This is an investment property in which I paid my loan on time for 10 years. This company is now making my loan not affordable. I do n't know if this is legal
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account: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 an account without my written instructions. 
This account is fraudulent account, I do not open account with this creditor.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which were transferred from my wallet - utilizing Cashapp 's services
Product: Credit card or prepaid card

Date of Transaction/s : XXXX XXXX ( based on conversation with customer service ) Place : FOREVER21 Somewhere in XXXX CA. 

Time : between XXXX-XXXX ( Three transaction was made successively in the amount between {$200.00} and {$300.00}, maybe the fourth transaction didn't go through already because of insufficient fund because the credit limit is only {$1000.00}. 

Note : The account was closed in XXXX after I posted a complaint at XXXX XXXX. XXXX XXXX successfully removed this from the " delinquent '' account. But once again Forever21 keep on sending the same bill ( with interest ) that I did not make. Please note also that I did not received any physical card from Forever21.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.XXXX.18, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 

Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital System XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I ordered windows and doors in XX/XX/XXXX and was promised they would be installed no later than XX/XX/XXXX. The WRONG windows were " installed '' in XX/XX/XXXX. Installation was so poorly done that there were ( and are ) gaps of up to a half an inch, all doors and some windows do not latch, and considerable damage to my home was incurred ( photos were provided to Service Finance Company ). On the Certificate of Completion presented to me, I wrote " SEE ADDENDUM '' in large letters diagonally across the form. The addendum stated that the windows would be replaced within 3 weeks, and I would be refunded {$2000.00} for an item I did not order. ( The copy of the Certificate of Completion they forwarded to me was NOT signed by me. ) A representative of Service Finance Company called me a few days later to ask if the job had been completed. I responded NO, the job had NOT been completed. Despite that, they went ahead and paid the window provider resulting in another 8-month battle ( I STILL do not have new windows installed! ), lost rental income, additional heating costs, extreme discomfort through freezing temperatures in which I could not get my home above 60 ( or 56 when temperatures were sub-zero ), and more than a year of incredible frustration and aggravation.

Repeated calls, complaints, emails, uploads of photos, requests for copies of the phone call and Certificate of Completion were ignored. In XXXX or XXXX, Service Finance Company told me that the window provider claimed to have paid me {$2000.00} and to close the complaint. I was NOT refunded the {$2000.00}. I have repeatedly requested copies of that correspondence as well but were ignored. 

Complaining that I was ignored by the first " Complaint Resolution Specialist '', she was replaced by someone from " XXXX '' ( no title ) who has also ignored me. 

Summary : Service Finance Company should NOT have released funds for a job not complete. They should have made every effort to resolve the matter with me rather than ignore my requests. Lost revenue and cost of damages approximately equal the expected loan amount - time spent attempting resolution could easily double that.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach and have identified several unauthorized inquiries on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I request that the following fraudulent inquiries be blocked and permanently deleted from my credit file : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Recovery solutions ( XXXX ) sent a letter to me for a debt from XXXX XXXXears ago that was paid in XXXX. The original balance of the debt was over XXXX but under XXXX, but recovery solutions was trying to charge me XXXX for this old debt that was past the statue of limitations. I advised XXXX ( XXXX ) the debt had been paid to XXXX, and XXXX also has no record of said debt. I also asked for validation which she said she did not have as XXXX archived said debt. My XXXX XXXX is over XXXX so I did end up settling ( again debt was paid in XXXX but being over XXXX  years I did not keep record of that ) for XXXX. When I brought up that XXXX has no record I was threatened with court and all the charges for the court process. Also, the only communication I received was a letter that did not have XXXX on it.
Product: Bank account or service

I was cheated by BB & T and the XXXX could not handle the case and I am asking your help. I had a previous case ( XXXX ) opened and was asked to open another case with updated information. 
My first savings account was from XXXX XXXX XXXX Bank opened in 1996. The bank was taken over by BB & T. I decided to let go of my high pay job and went to XXXX. I wanted to close my savings account and I had plenty of Money in the checking account. The teller at a XXXX Branch told me not to close the savings account because if I had sufficient fund in the checking account there will not be any fees. I did not have that in writing, because I was banking with BB & T for many years. After XXXX months I found out that there is a monthly service charge of {$7.00} on a dormant account. I questioned the charges and they refuse to refund the money. When I went to close the account, they asked me to bring lots of ID to reactivate the account in person. Later I got a mail notice saying my account is active and please call to deactivate the account. I asked the manager saying if I was dead, would the money be depleted through service charges without letting my relatives know about the account and she said yes. She could not find any means to refund the money. BBT did not mail me nor have sent me notification regarding monthly statements. I contacted XXXX, and their complain office for BB & T is in XXXX, the same office of the BB & T head quarters. They did not intervene on my case, but acted as a medium for communication. When I tried to contact XXXX by writing I did not get any response. So please help. I have all documents and proofs. BB & T only refunded XXXX of the service charges and refused to refund the other half. 
Few things : If a customer dies, there is no written notice to the client or relatives regarding the balance in the bank. 
Second, The meaning of " BANK '' for savings is no longer applicable in BB & T because their business practices does not allow written notification regarding dormant accounts. 
Third the term " dormant '' is unfairly one way. I can not as an account holder withdraw the money without ID, but the bank can enjoy deducting money till it is empty. When I went to activate it. they need all the ID and they wanted me in person. 
Please help. 

Attached are BBT 's response for the previous case. They have attached the statements, but it was not sent electronically nor have there any alerts regarding monthly statements sent to me. BBT does not want to take responsibility for their errors but refuses to refund charges from my hard earned savings account. 
BBT also responds that Bank has the power to change anything without notice.
Product: Credit reporting or other personal consumer reports

I received a letter from LexisNexis concerning information I had sent to correct my credit report. LexisNexis provided a URL that I could use to access my credit report. The problem is that the URL provided never came up so I couldnt access my credit report. 

The Consumer Number on the letter is XXXX The XXXX XXXX is XXXX