23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A scam was made with a fake zelle account / fake zelle emails. 

Other factor made me believe that a refund was needed to be sent in order for me to receive a full payment. This turned out to be a scam. I was deceived into sending money thinking it needed to be done in order to receive money being sent to me.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. It is almost XXXXpm my time ( cst ) and I still do not have my directo deposit. Thank you.
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with Capital One on XXXX, XXXX, 2020. A consumer credit transaction in which a finance charge was involved. 15 UCS 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Capital One took cash. The finance charge also includes insurance protecting the creditor against loss but Capital One did not include insurance in my consumer credit transaction and made me purchase insurance separately. I also suffered a lapse of my insurance and suspension of my driving privileges due to Capital One negligence. 15 USC 1605 A1 States that a finance charge includes interest, Capital One did not included the interest in the finance charge.
Product: Credit card

As of XX/XX/XXXX Barclay Bank of Delaware, reported on my credit report a credit card as a charge off. A 1099-c was not provided in reference to this account. 


Account name BARCLAYS BANK DELAWARE Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4800.00} Balance updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax you are reporting incorrect information on my credit report you are reporting that my high balance is XXXX $ For XXXX XXXX and XXXX is my high balance is XXXX $ it can only be one or another please delete all inaccurate information Immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of an unauthorized credit inquiry that appeared on my credit report. I am disputing the reporting from Wells Fargo Credit Services, XXXX, XXXX and XXXX. Upon reviewing my credit history, I discovered the presence of a hard inquiry dated XX/XX/XXXX from Wells Fargo Credit Services that I did not authorize or initiate. I am also disputing unauthorized credit inquiries from XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX. 
Per 15 U.S Code 1681 ( b ) Permissible purposes of consumer reports, Except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. A consumer shall notify a consumer reporting agency through the notification system maintained by the agency under paragraph or by submitting to the agency a signed notice of election form issued by the agency.

Upon receipt of notification of the election of a consumer under through the notification system maintained by the agency, a consumer reporting agency shall inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency and provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established at the time the consumer provides notification through the system.

The inclusion of this inquiry has raised significant concerns as it has adversely impacted my credit score and financial standing. I have attached supporting documentation, including copies of my credit report highlighting the unauthorized inquiry, as well as evidence of my non-engagement with the aforementioned creditor during the stated timeframe.

Per the FCRA as a federally protected consumer, I am have opted out of all authorization that I, the consumer, may have given you. Per 15 U.S. Code 6802 all written, unwritten, verbal or non-verbal authorization has been opted out of effectively immediately and indefinitely. 
I have urged Wells Fargo Credit Services, XXXX XXXX XXXX, XXXX, XXXX, and XXXX to conduct a thorough investigation into this matter and promptly remove the disputed inquiry from my credit report. Given the potential implications on my creditworthiness and financial well-being, I requested that this issue be addressed within 30 days to ensure the accuracy and fairness of my credit report.
Product: Credit card or prepaid card

My card was hacked and the culprit took XXXX and my bank allows my paycheck to be deposited into this account when I called them with this information they simply canceled the card and didn't investigate the fraud nor refund my money and my payroll check goes into that account please help me
Product: Debt collection

XXXX XXXX from Consumer Solutions Group has left me repeated voicemails and when I spoke with him during XX/XX/2019, he told me he was calling from the Garnishment Department. I was extremely alarmed at first and made payment arrangements under duress that I can not afford due to his statement. And before that, he made the statement that he would inform them that we couldnt come to an agreement ; Im still not sure who them is. I was trying to explain to him my situation and Im on the verge of bankruptcy, to which he replied that pay day loans cant be claimed in bankruptcy, which is false. I soon realized that he is not calling from a court of law. I admit that I became angry with him, yelled and hung up on him, because it irritates me to no end that he was lying to me. I told him the third time I spoke with him that I was speaking with an attorney. He also wouldnt give me the address of the debt collection company ( I asked more than once ), but finally gave me the website and told me to look it up and get the address from there and see that they are a legitimate company and told me to have my attorney to contact him. I have been considering bankruptcy for a while and in fact did visit with an attorney a while back and I qualify to file, but didnt have enough money for that attorney at the time. I decided to go forward with the bankruptcy and contact an attorney, which I still cant afford, but feel I have to, because of his comment about working in the garnishment Department and the threat I felt when he said it, because I can not afford a garnishment, which now has me worried, because are they suing me or not? Also, when I asked to be mailed confirmation of this debt ( I asked more than once ) he wouldnt do it and I still havent received anything in the mail.
Product: Checking or savings account

- I opened a XXXX XXXX USAA Secured Credit Card. 
- account was closed due to non payment and has harmed my credit. 
- the charges on the account where due to unauthorized charges and I was not receiving statements so could not notice the charges quickly. 
- I was refunded for the unauthorized amount but my account remained closed and still reported negatively.
Product: Credit card or prepaid card

My credit card billing period closed on or about XX/XX/2022. On XX/XX/XXXX, I paid the balance of XXXX to lower the balance shown on my credit. Another charge posted overnight and the account closed for the month with a balance of XXXX. That day, I redeemed XXXX in rewards as a credit to the account and paid XXXX resulting in a balance due of XXXX for the that billing period. Today, a late fee of XXXX was posted to my account. After three calls to various representatives, my account still indicates past due and Bank of America has refused to remove the late fee. I believe that their explanation that a minimum payment of XXXX must be made regardless of whether the consumer owes anything is asinine at best. I am requesting that the CFPB assist me in getting the bogus late fee removed and preventing Bank of America from reporting my account as delinquent on my credit.
Product: Debt collection

KANSAS COUNSELORS INC. 

Is on my credit report, I have never heard from these guys at all. I dont know who they are and they have never contacted me or verified anything They are saying I owe XXXX dollars but I dont know for what
Product: Checking or savings account

My complaint is against Bank of America. They have not answered the request sent to them from my bank, XXXXXXXX XXXX in reference forged and illegally cashed checks that Bank of America accepted. 

I wrote XXXX checks that were stolen from a local mailbox ( I did file a police report ) and the person washed the checks, forged a different name, and they were cashed illegally and funds withdrawn from my checking account totaling {$6700.00}. 

The first check was mailed XX/XX/XXXX for the amount {$2200.00}. It was written to the photographer for my wedding. 

The second check was mailed XX/XX/XXXX for the amount of {$4400.00}. It was written to the catering company for my wedding. 

On XX/XX/XXXX, I discovered the checks were washed and cashed illegally when my catering company asked where their check was. I immediately contacted the police and then called XXXXXXXX XXXXXXXX XXXX  required I fill out XXXX forms and get them notarized ( which cost me over {$30.00} ) XXXX received all required information to get my money refunded no later than XXXX XXXX XXXX XXXXXX/XX/XXXX. 

As of XXXX I still havent received my money. XXXX told me they contacted Bank of America in regards to the illegally cashed checks because the criminal who stole my checks cashed them through Bank of America. 

Bank of America allowed my funds to get withdrawn, I hold them accountable and liable for this situation. The checks were obviously forged, yet Bank of America cleared the checks. I believe an employee at Bank of America knows the people who illegally cashed my checks. It is clear that neither bank has proper policies in place that verify checks arent forged before cashing them. 

Anything you can do to help me get Bank of America to reply to XXXX XXXX in reference to my stolen checks so I can get my money would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a company I sent money to for product which was a scam. {$7700.00}. From capital one thru XXXX. I reported to both companies. The individuals name, bank account, company name, phone number. They said they couldnt investigate due to being same as cash. Capital one says they are not tied to XXXX, yet, when you pull up their mobile app its the second thing you see on the screen. After reporting to all agencies, I had 3 other people who were scammed the same way. I know they say they are not responsible. But how can these companies allow the same person/business continue to use even after being notified, and sent documents showing the scam. Three others after me, and others before me. After being reported so many times as a scam account, should the companies not be held liable by continuing to allow it?
Product: Credit card

Received a mailer today from Chase informing me of a change of terms, including an increase of apr starting XXXX/XXXX/15. Not only is this less than 45 days of notice, the apr will apply to purchases made after XXXX/XXXX/15, making the change retroactive to purchase prior to the notice.
Product: Credit reporting or other personal consumer reports

I made a payment to XXXX XXXX for {$140.00} on XX/XX/year>. I reached out to XXXX on XXXX XXXXXX/XX/year> to verify that they sent the updated payment to the collection agency ( XXXX XXXX ). XXXX XXXX expressed that they did not have record of the payment even though I called their agency directly to make the payment. 

There is a second collection in the amount of {$620.00} from the same company XXXX XXXX XXXX ) that is with the collection agency ( XXXX XXXX ) and this account is reporting misinformation. The original creditor ( XXXX XXXX ) would not provide me with any information on the account. This company is reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and need these accounts removed please
Product: Mortgage

My loan is with Mr Cooper. 

In XXXX my payment went up and when I called in I was told it was due to my escrow account going up. 

I found this very strange as I had reduced my flood insurance but {$1500.00} and my home insurance by {$1700.00}. 

I found out that had in fact paid my old home owners insurance company and my new one. 

I called my old insurance company and they returned a check to me for {$4100.00} and I paid that on my escrow account. I have them agree to running a new escrow analysis. It has been over 60 days and this has still not been done. 

I have been told by one of their representatives to hold my payment until it fixed. They have charged me a late fee despite them promising me they would not charge a late fee. Then they promised it would be removed from my bill and these charges still have not been addressed.

I notified them under Section 6 of RESPA that they had to comply within the time frame outlined by section 6. They have failed to respond. This is my second complaint about the conduct of this servicer.

Under theses difficult times I am struggling to make my payment and this is not helping me
Product: Credit reporting or other personal consumer reports

15 USC 1681b Clearly states Any consumer reporting agency may furnish a consumer a report under the following circumstances and no other.

In accordance with the written instruction of the consumer.

That's aggravated Identity Theft 18 USC 1028A, You have possession, and are using my information without my consent.

15 USC 6802 A Financial Institution may not disclose non-public personal information to a non-affiliated third party unless they give you the CONSUMER the opportunity to exercise your right to OPT-OUT.

Please remove all accounts on my report that has been Illegally publicized without my consent. Thank you for your time and patience. 

XXXX XXXX XXXX XXXX XXXX XXXX Amount {$2400.00} XXXX XXXXXXXX Reported XXXX Amount {$2000.00} XXXX XXXX Reported XX/XX/XXXX Amount {$590.00} XXXXXXXX XXXX XXXX Reported XX/XX/XXXX Amount {$15000.00} XXXX XXXX XXXX Reported XX/XX/XXXX Amount {$14000.00} XXXX XXXX XXXX  Reported XX/XX/XXXX Amount {$10000.00}
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXX XXXX XXXX  XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00}
Product: Credit reporting

a legal item is on my Transunion credit report, it is my father 's we have same name but of course not the same ssn
Product: Credit card or prepaid card

On XX/XX/2020, I contacted capital one concerning my late payments due to the pandemic. I was told that there is nothing they can do about it and they can't take it off my credit. I can't get a mortgage loan due to these late payments. 
The company could not help me with this unfair situation. Right now I'm up-to-date with my payments and they can't still do nothing about it.
Product: Mortgage

During the Covid 19 pandemic I got into the forbearance plan. Once the plan was over I was told that I do not qualify for any mortgage assistance after and the lump sum has to be paid or else I need to go into foreclosure or sell my property. How can a lender help during the pandemic and once the forbearance is over have you lose your house? I need help or options to help me save my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting fact XXXX account XXXX has violated my rights. It also stated insection 604 a sections 2 Its also stated a consumer reporting agency can not furnish a account without my written instructions.and also in sections 602 states i have the right to privacy.all of this falls under 15 USC 1681 Sections 602 and 1681 section 604 A Section 2 and USC 1666B
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Accounts to be deleted : XXXXXXXX XXXX XXXX  Credit Cards Inquiry Date : XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
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 remove from my credit report asap.

1. Identity Theft SANTANDER BK Account Number : XXXX  This is not mine.

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

5. Identity Theft 08 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  : {$600.00} ; XXXX XXXX XXXX XXXX  : {$630.00} ; XXXX XXXX XXXX XXXX XXXX  : {$31000.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have previously disputed A XXXX Bankruptcy that is on my Innovis Credit Report, and in response, Innovis verified the item as accurate, stating that Innovis has verified the information with the court or a 3rd party. 

I contacted the court, and their response is attached. 

It is clear the Court does not report to Innovis or any Credit Bureau for that matter ; therefore, Innovis ' initial response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. 

In accordance with the Fair Credit Reporting act. The Bankruptcy listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX BANKRUPTCY/Reference XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy. 

And according to 15 USC 1681eb Innovis is supposed to ensure this.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse Item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.