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

These accounts were opened against my knowledge. 

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 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
Product: Checking or savings account

Opened and account with Wells Fargo XXXX XXXXXXXX? Went as far as depositing some money into said account. Never received an ATM card or any information regarding the account. Nothing, just money lost. There were also numerous times when my Wells Fargo account was charged excessive overdraft fees. Would check online via banking service, enough funds would be present, then when the purchase was executed, there would be a negative balance and overdraft fees on several items that weren't properly applied to the amount shown on banking app.
Product: Debt collection

Sent Evidence to Transunion that the account can not be proven that i made it or it is mine from the company XXXX /XXXX but still I have not seen anything with a signature You CFPB also have the documents on hand showing and stating I gave XXXX my information when I asked about this account it is stated in there letter also there copy of an online application in which you can not make out there for there investigation could not of been completed when I showed what evidence they claimed. Transunion states they contacted XXXX and they verified account as mine without any proof just word of mouth and I showed there none evidence they sent myself and forward to you CFPB. I expect Transunion by law to show actual evidence, even tho they state they do not have to show anything but verified, meaning a company can say anything to make a claim. TransUnion I expect this Dispute to be followed throught as requested in detail as per this letter to further my case in a court of law against XXXX and TRANSUNION for civil damages if it is not removed. I keep all documents to and from and forward all to CFPB to review.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
Account name : XXXX XXXX XXXX  Date Opened : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$980.00} XXXX {$61.00}
Product: Vehicle loan or lease

Today I was offered a car purchase opportunity. After pre qualifying I was asked to give {$26000.00} as a down-payment. I immediately knew that was illegal per 15 USC 1605 as cash should not be involved where a finance charge is. In addition I'm quite sure that is not an universal advertising price to most customers far as down-payment so it also violates 15 USC 1662 . Not to mention when i asked about the issuance of the Purchase Money Loan per 16 CFR 433.1 the Agent acted as if she was completely unaware of what i was mentioning. In addition the issuance of my consumer financial information on the application and no benefit provided by the company directly violates TILA being an Unauthorized Use. The Agent also confirmed they don't and are not able to adjust contracts making it impossible for a consumer/investor to invoke rights or even not agree with certain terms within the contract. It's almost like they force you to abandon your rights as a consumer and investor. In addition I requested the Prospectus better known as 424b which is their security exchange agreement with the SEC and was denied this information as well. This company truly has some very shady practices that need light shined upon them. Up to this point they have violated my rights as a consumer and an investor which has triggered a report to the FTC.
Product: Mortgage

XXXX XXXX serviced the mortgage for a short time. After XXXX XXXX XXXX, XXXX XXXX XXXX has serviced my mortgage for 6 - 8 years. I've set up payment through my bank to pay my mortgage. I usually pay twice a week to pay for the month. Due to XXXX XXXX XXXX XXXX and being forced to retire, my payment strategy has shifted. So, on XX/XX/XXXX, I made a payment ( through my online banking set-up ) for {$2200.00}. ( The mortgage payment is {$2300.00}, but it is an error because they include insurance, which I have already paid and is another to-do list item to reconcile with mortgage services. ) A few days later, RoundPoint sent a letter stating they had taken over my mortgage. When I called customer service at Roudpoint with many questions, they stated the following : credit reporting will not occur for 60 days use their Round Point app to make payments they do not know what happened to the XX/XX/XXXX XXXX XXXX transferring issues could be the cause of why the XX/XX/XXXX {$2200.00} payment has not been applied call back On XX/XX/XXXX, the Roundpoint App, I paid {$2300.00}. When I paid this amount through the app, I noticed a red flag stating it was 25 days past due. This red flag wording indicated they had not applied the XX/XX/XXXX payment. A few days later, I called Roundpoint to get answers to some of my questions.

When I called the number, the automated voice stated that RoundPoint is a debt collection agency, and the customer service rep informed me that my mortgage was a debt. The customer service rep explained that Roundpoint services loans and collects debt. To my horror and surprise, I responded that I did not want my mortgage being serviced with Roundpoiunt, and they sounded like a scam. The customer service rep placed me on mute because they were not responding to my words. While I was on the line, asking if anyone was there, the automotive voice came on for me to take a survey. Promptly after hanging up with that call, once the automated survey was voiced, I filed a complaint with XXXX XXXX and XXXX.
Product: Debt collection

I visited the emergency room in XX/XX/2019. After that visit for months I received multiple bills for multiple services related to that visit and it was hard to keep track plus I was still mentally reeling from my medical issue. Unfortunately, I discovered that one of the bills went into collection : Transworld Systems Inc. I thought it was paid but received no documentation. I called the collection company ( Transworld Systems Inc ) who promised that if I just paid it there would be no adverse effect. However, I discovered months after the debt was satisfied that they still placed a negative account on my credit report. This is uncalled for after I was assured that my payment would satisfy any issues. When I called to ask that they remove it, they just said they would state that it is paid, which is still unacceptable. Additionally they offered me credit repair services to build my credit back up. This is totally a scam. I know that collection agencies do not have to report anything to credit bureaus, but they totally did as probably some lame attempt to drum up money for credit repair. I have only had one collection in my entire life and it happened at the worst possible time as I am trying to obtain a new mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stated that my XXXX payment was considered late when it wasnt, I made two payments in XXXX which would have brought my account current. Incorrect information is being reported to the credit bureaus! I want a full investigation and proof of late payments and I want the correct balance reported.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted documentation to the credit agencies after noticing a number of accounts that do not belong to me and found the credit agencies reporting inaccuracies. The documents submitted included, a police report filed with the state of XXXX, FTC documents, FCRA documents, Credit profile, Proof of identity thats included driver license and utility bill. These accounts are attached to the identity theft case and I am requesting immediate removal after reviewing documentation to support my case : XXXX XXXX XXXX XXXX XXXX XXXX Transunion is the only agency is still reporting this inaccuracy to my credit profile. Please see attachments that I sent in last month with the FTC report, Police Report and copy of the most update report by XXXX. Please remove inaccurate information noted above that does not belong to me and provide supporting documentation how account was verified
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 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: 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 time and reporting discrepancies my investigation my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions 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 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 XX/XX/XXXX, I deposited the paper check issued to me by my employer XXXX via XXXX XXXX. I had originally maintained a bank account in good standing for years with Bank of America ( herein referred to as BoA ) prior to BoA shutting down my account due to suspicious activity perpetrated by phishing scammers in XXXX. I had already requested direct deposit with my employer but was simply waiting for that to happen. On XX/XX/XXXX, I deposited my check for about {$4500.00} after working several weeks of 12 hour days starting at XXXX XXXX in order to be able to purchase a used vehicle for my family, as we had been without a vehicle for months that would carry our family of XXXX, including XXXX children. I withdrew the {$2500.00} for the purchase of the used vehicle from a local private owner/seller. On XX/XX/XXXX, my card was declined and when I called, I spoke to customer service reps who alleged that they were working at a Bank of America call center in Alabama. Their names were XXXX, XXXX, and XXXX. They spoke with us from XXXX XXXX   to about between XXXX and XXXX XXXX and we were told that despite BoA being able to waive this and release some or all of our funds, that they would not. When we asked for more clarification, we were told that the reason they made this choice was that the XXXX XXXX and XXXX XXXX via XXXX XXXX both issue checks that bounce and that they regularly need to be sent back because they bounce. This stunning admission was made on a recorded and videotaped phone which the employees knew and simply didn't care. It is a devastating, potentially defamatory allegation that a bank and major company do not have funds to cover their payroll. Furthermore, when we told Bank of America that we were unable to pay rent and provide for our kids, they told us that they didn't care and that we would have to wait until XX/XX/XXXX, maybe longer. We need those funds returned as soon as possible to avoid destitution and starvation. We need that paycheck. Furthermore, workers should not be having their bank accounts raided for potentially dubious and defamatory reasons. Not only do these allegations need to be investigated, but the money also needs to be returned. 

I experienced this issue in XXXX with XXXX and now several years later another bank, due to allegations of wire fraud made by BoA managers in Alabama like the XXXX gentleman we spoke to, is doing this again. We are a veteran family. We have young children. How are we to take care of ourselves if these banks are taking our money due to intrigue and dishonesty? Also, this is in clear violation of the Expedited Funds Availability Act. They were never able to justify why this particular deposit was singled except for to allege that two companies are defrauding workers at the XXXX XXXX. 

We do not have pictures, but we do have audio/video of the conversation including the allegations as they were recorded totaling over 44 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft ACIMA CREDIT FKA SIMPL Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4.Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit card

I had some difficulty with Bloomingdale 's online application and became past due. Someone called me and asked if I wanted to make the past due payment, to which I said yes, and authorized a payment of around {$200.00}. They charged my bank account the full balance of my card, around {$3700.00}. I did not authorize the payment for that amount. I called their support desk, and was told that I needed to fax in a copy of my bank statement, and that processing would take up to 14 days. I do not have a fax machine, nor do I have 14 days. I can not pay rent or car payments on my credit cards, and now I am trying to figure out how to come up with the money for both.
Product: Checking or savings account

On XX/XX/2023 I was not able to log into my Bank of America account. I called and not only did it take over an hour to get connected to someone but I was disconnected two times. When I finally got ahold of an actual person they made me wait for about a few minutes just to inform me that they were going to close my account, no reason why. I figured its due to fraudulent activity because my account was compromised. Instead of verifying with me or setting up a new account to make sure nothing like this happens again they chose to just close my account entirely with funds still in it. I also had two ongoing claims with Bank of America for the total amount of XXXX. The claims were submitted in XX/XX/XXXX and it has been well over XXXX business days with no update to the claims whatsoever. It was two unauthorized transactions. The level of unprofessionalism and no transparency at all with customers is mind blowing to me. I will be telling everyone Bank of America is by far the worst brick and mortar bank to work with.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XX/XX/2024 and noticed my name was not reported accurately. After two letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports today. The consumer reporting agencies need to report all information with complete accuracy. I've attached a copy of my government issues driver 's license, my social security card and proof of address to this complaint. I am now requesting that you update my records showing my correct name as XXXX XXXX XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. Also, please update and remove my ex-employer ( XXXX XXXX ) whom I've no longer worked for. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

Fees and charges got to be just out of hand could n't keep up paying it now my {$590.00} bill is $  XXXX  the rest is interest and fees.
Product: Credit reporting or other personal consumer reports

My account with THOSE CREDITORS was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Midland Funding placed a judgement on my credit report for a credit card debt that had nothing to do with them. I owed XXXX XXXX and apparently they purchased the debt and proceeded to harass me. I have a medical condition with proof and I told this company about this issue. This debt is since XX/XX/XXXX/XX/XX/XXXX and they are still harassing me to pay way more than I owe. I never received a summons but when I checked my credit report, there is a judgment placed. I called Midland Funding and asked them about it. they stated that they did not put this on my credit. Can you contact this company to find out why I have a judgement on my credit report and I am being hindered from getting medical attention because of this. I appreciate you investigating if this is legal for an unsecured credit card and the debt is so old. Thank you.
Product: Credit reporting or other personal consumer reports

I noticed that this company is reporting XXXX XXXX account that is inaccurate and incorrectly reporting information on my credit file. This company is reporting a 60 day late payment when 1 ). i have made all payments on this account on or before their due date so I was never late and 2 ). this company is reporting a 60 day late as of XX/XX/XXXX however account was placed on my credit report on XX/XX/XXXX which mean tht this account didnt even hit 60 days yet however so it is marked 60 days late. 
Furthermore, Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you permission to furnish this account on my credit report? 
Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX