23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A thick envelope was sent to my residence from Netspend. The envelope had my residences address on it but was addressed to an unknown person. With identity theft on the rise, I assumed that some unknown person was using my address for fraudulent purposes. So, I contacted Netspend to inquire about the envelope sent to my home. After explaining to the customer service rep about the situation, I was asked for an account number. So I then explained that the envelope was addressed to an unknown person but had my address on it and that I did not own a Netspend card or account. The rep advised that it was just an advertising scheme that they use for marketing purposes. I advised the rep that I no longer wished to receive any advertising from Netspend and to take my address from their mailing list. Also, that if I received anything from them thereafter that I would pursue legal options. The rep asked for my address and put me on hold. After returning to the line, he asked me for the card number and account number that was enclosed in the envelope. I told the rep that the envelope was not addressed to me and I was not entitled to open it as it is a federal crime to open mail that doesnt belong to you. He stated that he could not take me from their mailing list if I did not open the envelope and give him the account number. After refusing to open the mail, he disconnected the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Fraudulent Account Purchase and Violation of Consumer Data Protection Laws Dear, Barclays Bank I hope this letter finds you well. I am writing to bring to your attention a distressing and deeply concerning matter that has greatly affected me and my trust in Barclays Bank on XX/XX/2023, I discovered that someone had fraudulently used my personal information for a purchase without my knowledge or consent. I write this letter to request your assistance and removal/deletion of personal information including my name XXXX XXXX XXXX and removal of late payments. In resolving this matter promptly and to bring to your attention the serious breach of consumer data protection laws. 

The incident came to my notice when I received an email notification about a purchase from Barclays Bank that I did not make. Upon further investigation, The fraudulent activity has caused significant distress and concern for my personal security and privacy. 

As a loyal customer of Barclays Bank placed my trust in the company to safeguard my personal information. It is disheartening to learn that my trust has been betrayed through a security breach that allowed unauthorized access to my personal data. According to consumer protection laws, I have certain rights as a victim of fraud, which include, but are not limited to : Right to Security : Barclays is obligated to maintain the highest standards of data protection and security to prevent unauthorized access to customer information. 

Right to Notification : In the event of a data breach or suspected fraudulent activity, customers must be promptly notified to take appropriate action to protect their interests. 

Right to Dispute : I have the right to dispute any unauthorized transactions made using my personal information and seek resolution from the responsible parties. 

Right to Confidentiality Barclays is bound by laws and regulations to keep my personal information confidential and not share it with third parties without my explicit consent. 

I kindly request a thorough investigation into this matter and a detailed explanation of how my personal information was compromised. In addition to avoiding the constant removal and addition of this Fraudulent account I went ahead and paid for the fraudulent account in full. Furthermore, I must express my concern regarding any potential sharing of my personal information with banks or other entities without my consent. Such actions would be a direct violation of privacy laws that are designed to safeguard individuals ' sensitive data. 
I sincerely hope that Barclays bank takes the necessary steps to resolve this. I kindly request a written acknowledgment of the receipt of this letter and a timeline for resolving this dispute. You can reach me at XXXX to discuss this matter further or provide any additional information that may be required. 
Thank you for your understanding and cooperation in this matter. I hope we can resolve this issue amicably and restore my faith in the integrity of Barclays Bank
Product: Credit card or prepaid card

XX/XX/XXXX TO : XXXX XXXX, Co-President and Chief Operating Officer for JPMorgan Chase RE : You Violated the United States Code Law ( TILA 15 U.S. Code Ch 41 Consumer Credit Protection ) Open End Credit Plan and Open End Consumer Credit Plan ( j ) terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open-end consumer credit plan which is an open-end credit plan or open-end consumer credit plan within the meaning of the preceding sentence is an open-end credit plan even if credit information is verified from time to time. 

Let me break these laws down On XX/XX/XXXX you closed my account without my approval. 
I was never late and always paid on time. I gave you a security instrument which was my signature. What law says that you can close an open-end credit plan without my approval? A closed account is never closed. Once something is open it's always open, Im just not getting any benefits from it. Under 15 U.S. Code 1602 Truth in lending act I am the original creditor, therefore you can not close an account without my written consent. 

Due to your adverse actions and unfair credit card practices ( TILA 15 U.S.C. Ch 41 ), for the past 5 years I have suffered damages such as XXXX XXXX and XXXXXXXX because now I have high interest rates because of the information that you reported on my report. These are damages that no one can tell me how much they are but me as the consumer. You dont know what Ive incurred over the past 5 years. Ive spent 5 years trying to clean up my consumer report. You dont know that Ive tried to get loans from 10 different banks to help pay my grandmothers medical bills. Now my interest rate is 29.99 % because your people have spilled and compromised my information which is identify theft. Under TILA, FCRA and FDCP I did not give you written consent to close my account. This is a FDCPA violation. You violated me. I have rights as a consumer which you violated. You defamed my character. 

JPMCB CARD SERVICES - XXXX Sincerely, XXXX XXXX
Product: Debt collection

Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX In XXXX, we received a letter ( dated XX/XX/20 ) from a collection company demanding payment- referencing a disputed debt to XXXX  XXXX XXXX XXXX We then reconciled this company name with numerous missed calls on our phones from this same entity. On one such call, a muffled message was left that failed to identify the caller as a collection company. In addition, the broken English used was incomprehensible. At the time, we were deeply concerned that scammers had obtained personal information and were attempting to access accounts. Needless to say, this created a significant amount of XXXX  and XXXX  on our part that led to needless XXXX  and XXXX. FDCPA section 805 ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. We have also received numerous contacts early in the XXXX that are also likely violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I've had Home Mortgage Insurance with XXXX XXXX XXXX since XXXX. 
on XX/XX/XXXX I received a notice that my Policy will not be renew and that they will no longer be providing coverage in California for Homes, motorhomes, boats etc. 

I contact the insurance company they suggested that I shop around for coverage the descision was final. I then informed the Mortgage company Mr , Cooper to see how it would affect my account due to the sensitve timing before me. 
I was told that they maybe able to get coverage for me but it will be very expensive and to keep them informed as to when I find other coverage. 

My 1st stop was the California Department of XXXX XXXX. I filed a complaint there to request XXXX XXXX more time than initially allowed for cancelation. 

Then printed out a long telephone listing of local Insurance companie and start making calls A.S.A.P. The respons was, were no longer excepting members, were not under writing for th State of California, were only underwitting for home worth XXXX mil. plus in California, this went on for 2 hrs. as I became very frustated, I then went to the Brokes and Aent section on the CDI in hope that I could get some sort of assistance down that avenue. I made several calls to many in that section of the web sites. On the next day I received 1 call back from and Independent Insurance Agent XXXX XXXX in XXXX, CA. with XXXX. 

He got back to me with a quote I accepted it was the same a my previous policy form XXXX the vast difference was the dedutible which was {$500.00}. would now be {$2500.00}. 
he sent it to underwiting said it would be 3 weeks contact him yesterday he said it was denied. I called and left a message if we could speak on today got know respons. 

I email XXXX, XXXX XXXX office of email complaint this morning because the CDI never responed to my 1st. complaint as I made the 2nd on today, after taking the initial steps on what you should do on the website which was no very helpful. I feel the leeding problems is the list. We should have a list of who will accect home motgage inurance in california to eliminate all will not and stop waisting time, We all know, if you owe the bank a mortgage, you must have insurance so the questions remains the same. Where do you go and what can you do about getting coverage while stuck in a time sensitive matter and know one is responding. I paid this company faithfully for 23 years for this, money lost know coverage still oweing XXXX. this makes know since where the justice in this wrong doing to the people.
Product: Credit reporting or other personal consumer reports

I believe XXXX XXXX incorrectly reported a credit score reduction of XXXX points by XXXX and XXXX points by Equifax. This occurred despite paying an XXXX XXXX  ( XXXX XXXX  ) balance of $ 7212 % of a {$600.00} limitwell before the due date. The score calculation seems to have been made shortly after the posting date, not considering the timely payment. Reducing the score for 12 % utilisation within the due date feels unfair.
Product: Checking or savings account

On XX/XX/year> we issued a check of {$XXXX} to XXXX XXXX XXXX XXXX XXXX XXXX office. The check was apparently stolen or misappropriated by someone who endorsed the check and deposited the check into their account. 

The money was withdrawn from our Wells Fargo bank account and a review of our bank statement didnt alert us to any possible fraud issue or problem as the check was written for our property taxes. 

Recently, XXXX XXXX assessor indicated that we never paid our property taxes and when we investigated the check endorsement it was apparent that the check was stolen and endorsed by someone else named XXXX XXXX ( sp ). 

First of all, XXXX XXXX of XXXX XXXX does not endorse checks by personal signature. Moreover, bank statements do not show check endorsements to verify who deposited the check. 

We do take ordinary care in reviewing our statements but the bank statements would not lead anyone to believe that there was something amiss. 

This check was not properly payable to XXXX XXXX and yet the bank honored the forged endorsement of a governmental agency and now refuses to credit our account for the fraud. 

There should be no comparative fault in this situation as the only mistakes were made by the bank. 

We ask that the CFPB intervene and remind Wells Fargo of the Rules and instruct them to reimburse us for their mistakes. 

We all know XXXX XXXX reputation and history as it relates to honoring their obligations and following the law. They have quite of history, as you knew. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a robo call this morning ( XXXX @ XXXX ) " claiming '' to be from Bank of America . As soon as I realized that it was a robo sales call I immediately hung up without listening to the message. I tried to call back ( in coming number : XXXX ) to see if there was a chance that it may be a legitimate call, but it was busy. Evidently a dedicated robo call line.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes, but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 

XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 

XXXX. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 

XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 

4. Immediate notification to all major credit bureaus ( Equifax, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will have no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the email address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX 9. XXXX XXXX 10.XXXX
Product: Checking or savings account

An account was fraudulently opened in my name. I contacted BoA to tell them that it was fraudulently opened and to close the account. They send me a fraud claim and I submit all the documentation requested. They don't respond so I open a complaint with the CFPB and they ask me to send the documentation again. I do and XXXX weeks later not only have they not resolved the situation, because the fraudulent account is overdrawn they are threatening to impact my credit and make me liable for the overdrawn balance. This bank is a complete joke and it's no surprise to read the recent bad press. I have read about how XXXX XXXX wasn't doing their due diligence and opening fraud accounts without the proper checks and my guess would be the same thing is happening at BoA. This has been a complete disaster and I have gotten XXXX assistance.
Product: Debt collection

There is a debt of {$400.00} on my credit that says an account has been opened this year on the XXXX of XXXX. I did no such thing that I can recall and would like some kind of proof of what kind of account and from where. I filed a dispute and all XXXX told me was they verified that I did open an account and basically telling me I have to pay but gave me no other information in fact wants me to PAY just to see more information regarding this issue. That's ridiculous! I dont understand what's going on. All I want to know is what kind of account was opened XXXX of this year, from where and how?
Product: Checking or savings account

On XX/XX/year> ; I received a call from ( XXXX ) XXXX that claimed to be a worker for Wells Fargo and needed me to test my account for verification. They assured me that any money taken was just for security reasons and that it will be back in my account. 
Over the next ten days they would call me again for more testing and assure me that the money will be back in my account, while also wanting me to connect to XXXX accounts with the names XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 
They called me the following times : XX/XX/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 During those days they made the following transactions that misappropriated my money. 
XX/XX/year>XXXX  : ATM ID XXXX : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX {$200.00} & {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX {$100.00} XXXX  XXXX, XXXX, XXXX {$80.00} & {$9.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX {$52.00} XX/XX/year> : XXXX XXXX {$5.00} XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX {$59.00} ATM ID XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX {$400.00} & {$300.00} & {$300.00} XXXX XXXX XXXX  # XXXX, XXXX XXXX, XXXX, XXXX {$100.00} XX/XX/year> : XXXX XXXX XXXX XXXX XXXX, FL- {$12.00} XXXX  XXXX, XXXX, FL- {$25.00} & {$38.00} ATM ID XXXX : XXXX XXXX XXXX XXXX, XXXX, FL- {$1000.00} plus an overdraft fee of {$35.00} After missing two calls due to working on XX/XX/year>, I haven't heard from them since and later realized I was scammed. 
I tried to dispute the claims on my account online, but it failed due to the scammer tricking me to allow access as part of a security test, so they considered it legitimate. When I tried to dispute the claims by phone, they said I would need police assistance before they can check to see if it was actually me making those transactions, but since XXXX is in a XXXX XXXX, I don't know which police officers to call for help.