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

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block 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 cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an secured Long opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an secured long Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an revolving Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ) an installment account opened at XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I keep getting phone calls from a woman claiming to be from Diversified Adjustment XXXX. When I ask what this is in regard to she asks for personal information, Name, address etc. I ask again what this is about and she hangs up on me. They call me every day, several times a day. They never leave any messages. I am contacted every day from several similar, but different phone numbers. XXXX XXXX XXXX Also, currently collectors arent even supposed to be calling in nys due to the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Synchrony Bank / Paypal made a hard inquiry with my social security number via XXXX under my maiden name XXXX XXXX that I changed 12 years ago and an old address from XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$64.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$85.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 at XXXX XXXX, I sent {$0.00} to XXXX through XXXX. I then sent {$190.00} to the same address at XXXX XXXX. The money was sent to pay for concert tickets. I authorized payment in order to receive the tickets. Once receiving the tickets for the XXXX XXXX concert on XX/XX/18 at XXXX, arriving at the venue, finding out the tickets were fraudulent, and talking to police I called my bank at XXXX. The bank proceeded to tell me that they were unable to do anything due to me authorizing the transaction and I should only use XXXX between family and friends. The only way I was allowed to send money to receive the tickets I thought I was purchasing was to authorize the transaction before my entire transaction was complete. There was no way of knowing that I was being scammed before authorizing the payment.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts # XXXX, # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

1x
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ) I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section 1666 ( b ) of the Fair Credit Billing Act ( 15 U.S.C. 1666b ). I have never been late on payments for the account : ( XXXX  ) ( XXXX ) I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled. 
Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Bank of America XXXX XXXX has been fraudulently charging me multiple times for a rental car transaction that was intentionally and criminally charged to my card in XXXX XXXX. BOA has not only not worked to resolve the problem but has compounded it by erroneously /fraudulently charging me double the original charges. I have called BOA multiple times, with many lost hours and even visited a BOA branch twice, trying to get BOA to at the very least correct their mistakes. To date I am being falsely charged a total of {$1000.00}. Please help me to recover this money. The following are the fraudulent charges. The XXXX statement information shows partial credit by BOA, HOWEVER, the company retracted these credits, not once but twice in the XXXX statement. 
XX/XX/XXXX Statement : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX RN XXXX XXXX {$440.00}. 

XX/XX/XXXX Statement : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00}. 

XX/XX/XXXX XXXX : XX/XX/XXXX FRAUD DISPUTE XXXX XXXX - {$29.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX - {$440.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX - {$440.00}. 

XX/XX/XXXX XXXX : XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$440.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$440.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$29.00}.
Product: Credit card or prepaid card

On XX/XX/2021, I signed up for an American Express XXXX XXXX card during the checkin for a XXXX flight. The card offered free bags for the flight. 

However, the Amex application said that while the card was approved, it was not ready for use. The Amex application site then said that instead of free bags for the flight, a {$90.00} credit would be provided on my first statement. 

However, I never received this credit. Amex told me to contact XXXX. XXXX informed me that it is an Amex offer. I informed Amex, but Amex declined to honor the offer and closed the investigation.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file with Experian be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXX, XXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX XXXX years XXXX willing. 
However at this point XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports XXXX Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am a XXXX  and a victim of fraud. I am being evicted because I haven't been able to pay rent with my money that I get once a month because someone in Michigan and California have access to my account that I have with Credit Karma. They used my information for XXXX separate transactions at XXXX stores and XXXX ATMs and more. Same thing happened the month before. This has been an issue I have dealt with since XXXX and it is now XXXX and nothing has changed. Credit Karma does put the money back in but they don't change the account numbers enough that this random person still has access and takes money out before I can even use it. It is very infuriating.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales 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 in Zelle failed to investigate 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 concerns about consumer safety.
Product: Checking or savings account

My Bank of America Account was charged numerous over draft and insufficient funds fees. My account is now closed and in default because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Transunion continues to house, share, and illegally report unverifiable invalidated negative information to my consumer report. This fraudulent incorrect information is causing me great irreparable financial harm. Transunion have a great responsibilty to the American consumer and banking system to uphold FDCPA, FCRA, XXXX XXXX, and XXXX XXXX and regulations that are in place to protect the consumer from predatory and unlawful practices. You have failed me the consumer by continually falsifying and fraudulently validating incorrect unverifiable information. Please investigate these items and use this request for investigation as notice for legal action against your company. 

sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Inquiry US Bank- Inquiry from XX/XX/2019 Institution Information US Bank XXXX , ND XXXX ( XXXX ) XXXX-XXXX  This company pulled my credit without my authorization/notice, i contacted the company multiple times by calling and sending letters and i have yet to receive a reply. I'm trying to inform them that this has to be a misunderstanding or fraud. I'm at the point to where i'm going to report this company for fraudulent activity ( Pulling credits without the person permission ) if my issue can not be resolve this time around.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, inquiries, and incorrect personal information which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} -- -- -- -- -- -- -- -Equifax : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} -- -- -- -- -- -- -- XXXX : XXXX, XXXX XXXX, XXXX XXXX M XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

About 8 month 's ago i discovered i was a victim of identity theft which was very disturbing to me to find out that someone unknown to me had used my personal information to get credit cards, phones etc. under my name and since i was not aware of these accounts they ended up getting charged off and some ended up in collections.At that time i field an FTC REPORT and send it to all credit bureaus and notified them that i am a victim of identity theft. a month later i received my new updated credit report which showed they removed items that was opened up fraudulently, about amount later i got an alert that i have a collection account that is reporting on my credit report i immediately purchased a copy of my credit report and discovered a collection account for an unpaid telephone bill from company called IC SYSTEMS INC, I contacted the company and told them this is a fraudulent account that some one had used my information and the representative asked me if i have a police report and i told them no but i have an FTC report and she said if i get a police report she can remove the account from my credit report, obviously thats what i did and faxed the papers to them and the item still at my credit report. Also this account was not in my credit report originally.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my complaint against XXXX XXXX XXXX  and XXXX  regarding my credit card that I got approved for since XXXX until current date, so I have a good standing account no late fees no high balance or money owed on this account with this company they sent me a letter on XX/XX/XXXX stating my acct ending XXXX your account credit limit was decreased from {$1600.00} to {$500.00} limit due to Too many Tradelines reported Delinquent this reason is incorrect they state it is on my Transunion credit report I checked my credit report it says good standing for All my accounts and all mt credit cards has XXXX low balances plus I pay off my credit cards if I use them so Im filing compliant against them XXXX for giving credit then taking it back for false reasons I want this investigated thanks consumer.
Product: Debt collection

1 ). On XXXX-24, I contacted TRS to follow up re : never received an email notification. Representative stated she would send an email to XXXX and cc me. The email would state I do not owe a debt. 2 ). On XXXX24, I contacted an XXXX representative, but they only have limited view of my account, because of the hold. 3 ). The XXXX representative stated he would send a request to have my hold removed within 24 hours. 
4 ). XXXX responded by referring me back to TRS and that the hold would not be lifted until I pay them a debt that I dont owe. 
5 ). TRS stated they would send XXXX an email saying I dont owe any money, and to lift the hold, then cc me on that email. 
6 ). TRS never sent the email nor did they cc me.
Product: Money transfer, virtual currency, or money service

I am a victim of a scan regarding the rental of a condo located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I transferred {$3600.00} on XX/XX/year> as the total of first month rent and security deposit to an account of XXXX XXXX XXXX at XXXX XXXX. The rental is a scam and Navy Federal has not been helpful in assisting me to retrieve my money from XXXX XXXX. According to XXXX XXXX, Navy Federal needs to file and submit a claim to XXXX XXXX  for me to retrieve my money. Please submit a claim to XXXX XXXX to retrieve my money from this scam.