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

I am writing to notify you that I am a victim of a data breach, and as a result, several unauthorized accounts and credit inquiries have appeared on my credit report. I request that these fraudulent accounts and inquiries be blocked and deleted from my credit report as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts have been compromised and were opened without my knowledge or consent : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Wells fargo retail services has called me repeatedly. I understand that I was 14 days late but my goodness. 

They called me the following dates and times : XX/XX/19 XXXX, XXXX, XXXX and XXXX XX/XX/19 XXXX XXXX  and XXXX XX/XX/19 XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The EXPERIAN company has reported me with the following wrong information. 
COLLECTION ACCOUNTS 1.- XXXX XXXX the account belongs to the company XXXX, opened on XXXX for a value of {$1900.00}. 
2.- IXXXX XXXX XXXX, the account belongs to XXXX XXXX XXXX, XXXX on XXXX for a value of {$1600.00}. 
XXXX XXXX XXXX XXXX, the account belongs to XXXX XXXX XXXX FL, opened on XXXX, for a value of {$4200.00} 4XXXX XXXX XXXX XXXX, the account belongs to XXXX XXXX XXXX XXXX XXXX opened on XXXX for a value of XXXX CLOSED ACCOUNTS - CHARGE OFF 1.- XXXX XXXX XXXX XXXX XXXX, Auto loan, opened on XXXX for a value of {$18000.00} XXXX AXXXX XXXX XXXX, open on XXXX for a value of {$4200.00} XXXX XXXX XXXX Cell Phone opened on XXXX for a value of {$2500.00}. 

These accounts are a fraud where my identity was stolen to open them, I have reported several times to the EXPERIAN company that this is a fraud, but they do not want to erase the wrong information. The credit companies XXXX and XXXX have the correct information and I do not have any of these reports with them. 
The EXPERIAN company is causing me great harm by keeping this incorrect information within its report, which does NOT match the other two credit companies.
Product: Debt collection

I am recently look at debts and negative information on my account because i'm just getting back on my feet. I'm a XXXX military veteran who was XXXX due to XXXX XXXX while in the military. While XXXX I was being taken care of by my family ( kids, their mothers, and my parents ). I had to XXXX XXXX XXXX XXXX XXXX XXXX, and focus through drills and XXXX XXXX. While all of this was going on, there were accounts that may have been opened without my permission and I was taken advantage of by my own family. My credit is horrible because these accounts were opened with no intentions of repayment and i've tried a million and one times to get this stuff taken off. The truth of the matter is that it doesn't matter what happened to me, this company just wants their money. I am asking for help as I feel so helpless in getting all of this fixed and I dont know what else to do because I can't afford a lawyer. PLEAESE HELP
Product: Credit card

I have a Chase credit card with a reward program. I have accumulated XXXX rewards points on my account which worth cash amount of {$340.00}. But when I was trying to redeem the cash, Chase took away all my points without any notice in advance, and refuse to redeem any cash for me.
Product: Payday loan, title loan, personal loan, or advance loan

Possible Finance used misleading tactics to get me trapped into a loan and then charged it off to my credit reports without warning or understanding. They refused to work with me to resolve anything and they are destroying my credit reports. Possible Finance says that I owe XXXX I never received a loan for that amount. They continue to report late and say that the loan closed on XX/XX/year>.
Product: Credit reporting

XXXX was paid a final payment of XXXX in XXXX 2016 and they acknowledge it on their end, but diversified consultants keep reporting it to the credit bureau as unpaid. 
It seems as though they could contact each other to straighten this out.
Product: Credit reporting

XXXX has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal 3 and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s. I also requested a copy of XXXX Tax Registration Certificate, all of which XXXX was unable to provide as stated in their response letter ( see attached letter ). By law under basal 3 and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s XXXX failed to validate their claim. A copy of XXXX 's response to my debt verification was previously mailed to XXXX, equifax, and XXXX, however, your agency continues to allow XXXX to remain on my credit report negatively affecting my credit. XXXX is illegally reporting negative on my credit.
Product: Debt collection

I have contacted XXXX and XXXX about the debt collection not being legal and in dispute. XXXX did take action but XXXX and XXXX don't seem to want to take action quickly and removed it. Although the amount is in dispute and it shouldn't be in collection, I did pay it off. I would like that to be taken off completely as it should not have been on the credit report. This is holding up my loan application
Product: Money transfer, virtual currency, or money service

I am expressing concerns about Zelle 's dispute management, particularly following the CFPB lawsuit that reveals significant issues. The lawsuit points to inadequate mechanisms for resolving disputes, leaving users exposed to fraud. I recommend Zelle enhance its dispute resolution process by creating clearer reporting guidelines, ensuring timely responses, and establishing a dedicated support team. Collaborating with financial institutions to set unified standards for transaction monitoring and fraud detection would further protect consumers. Improving these areas will align with regulatory expectations and demonstrate Zelle 's commitment to user security and satisfaction, essential for sustaining consumer confidence and long-term success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, Experian, and XXXX. This is causing physical and emotional harm to US XXXX and XXXX XXXX becuase I had to give up my job to become a permanent, full time XXXX  for my husband who developed a XXXX XXXX due to the XXXX XXXX. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. XXXX. XXXX MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless XXXX, XXXX makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continues. XXXX, XXXX falsely reported late payments for the XX/XX/XXXX mortgage payment ( XX/XX/XXXX fell on a Sunday ). They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was check dated prior to XX/XX/XXXX. It was it not a late payment. XXXX. XXXX continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. I called XXXX XXXX on XX/XX/XXXX regarding this false reporting. The agent told me that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD ME TO CONTACT XXXX, XXXX IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. I wrote to XXXX, XXXX and demanded the corrections.
Product: Mortgage

I called BSI Financial Services to discuss an error at closing by my title company which caused me to overpay into escrow. From my XX/XX/XXXX closing through the XXXX due date for XX/XX/XXXX property taxes, I had been paying into my escrow account with the understanding that I would be paying that tax bill. However, due to the timing of the creation of the tax ids for my new construction condo, I am not responsible for the first tax bill which was paid by the developer. 

I will have to write a check to correct for the error at closing and assumed my overpayment to escrow would be repaid to me by BSI Financial Services. I have made several phone calls to BSI Financial where they indicated to me that an escrow analysis was underway and that I should call back " next week '', " in a couple of days '', " after XX/XX/XXXX '' depending on the customer service person. Today, XX/XX/XXXX, I called and was told that they determined that no escrow analysis will be completed. I have paid + {$4000.00} plus into escrow for a tax bill that I will not be paying and BSI Financial intends to hold on to those funds until at least XX/XX/XXXX.
Product: Credit card

hi I filed b.K IN 2010 I applied for a capital one credit card at a high rate interest rate however I knew this this was to get me back on my feet I have a credit score now of XXXX I have tried several times to talk to them they tell me to reapply for other cards with them I do they turn me down I call them to see if they can lower my interest they turn me down now I got a new statement they raised it now to XXXX per I need your help they are using my B.K and are robbing me
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on EASYPAY/DVRA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

On XX/XX/XXXX i fell and XXXX and I 've been out pf work. They keep calling me even when i explained my situation that i have n't worked because of my injury. They are also harassing my references i gave them.
Product: Debt collection

All of my personal Data was breached from XXXX XXXX, Trans Union I have been getting phone calls from places and people telling me. I owe them money nonstop since all my personal data has been breached from these companies. Whatever they have on there is not me I do not owe them. Can you please help me get this fixed? Thank you and XXXX bless.
Product: Debt collection

CAPITAL ONE attempted to contact me several times through the mails and through phone app notifications that I owed a debt to them in the amount of {$110.00} between XXXX and XXXX of 2020. I sent out paperwork seeking info for the validity and verification of this debt along with other information. CAPITAL ONE has not responded with said information, instead, sent more communications with offensive and threatening language. The communications that they sent in response ( as well as the first time ) were filled with violations of Title 15, USC 1692, which protects my rights as a natural person and private consumer. CAPITAL ONE also limited my ability to use credit within my account due to this unverified debt, as well as lowered my overall credit score, also effecting my reputation!
Product: Checking or savings account

On XX/XX/year> I received an e-mail from Wells Fargo letting me know that on XX/XX/year> my Crown Checking account would become an Everyday Checking account. 

My Crown Checking account did not have any recurring monthly fees or minimum balance requirements. The Everyday checking account does have a monthly service fee of {$10.00} and a minimum balance requirement of {$500.00} to avoid this fee. 

As I have not used this account in a long time and the balance was low ( approx. {$12.00} ), I called Wells Fargo to close the account before the changes take place. However, I was told that they were unable to close the account and that I would have to go into a Wells Fargo branch in person to close the account. 

I did go in person on XX/XX/year> to the branch located at XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, but was told by the branch manager that the process to reactivate my checking account only to close it would take about 30-40 minutes. I am not able to be away from my workplace for this long during the day and the branch is not open after my workday ends or before it begins. 

Since I have such a low balance in the account ( ~ {$12.00} ), I am afraid that the account will start to accumulate fees of {$10.00} per month which I would be liable for paying and the bank is not allowing me to close the account. To me, this seems like a predatory practice in charging fees to the customer since I would like to close the account to avoid the fees but the bank is not allowing me to do so without a significant investment of time away from my workplace.
Product: Credit reporting or other personal consumer reports

Assertion of My Right to Privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CONSUMER FINANCIAL PROTECTION BUREAU I am writing to formally assert my right to privacy concerning my personal information and financial records. It has come to my attention that SANTANDER CONSUMER used my personal information and disclosed without my consent, and my financial records have been mishandled and also misreported, which constitutes a violation of my privacy rights.

Basis for Concern : 1. The information in question includes personal information, such as account numbers, Social Security numbers, which I believe has been improperly shared or utilized.

2. Under laws such as the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other privacy regulations, I am entitled to the protection of my personal and financial information.

Unauthorized access or disclosure of my personal data violates my right to privacy.

3. I request a detailed explanation of how my information was obtained, shared, or used, including any third parties that may have accessed this data without my consent.

Please consider this letter a formal request for action to rectify the current situation. I expect prompt attention to ensuring my personal information is safeguarded and that measures are implemented to prevent future violations of my privacy. 
Thank you for your attention to this significant matter. I look forward to your timely response detailing the steps that will be undertaken to address my concerns. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I have contacted BBT so many times to get overdraft protection removed from my account. During this pandemic Ive lost my job and paid over an XXXX dollars during this pandemic. Im struggling and couldnt afford to pay over XXXX dollars in overdraft. I have called numerous of times and ALL representatives stated it was removed. 

The last representative finally stated that they couldnt do it themselves I had to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I reported to XXXX, XXXX and Equifax credit bureaus XXXX XXXXXXXX XXXX XXXX XXXX XXXX had a delinquent account on my credit report that was " Included in my XXXX  XXXX bankruptcy '' in XXXX  and the delinquent account should be removed from my credit report. The credit bureaus refused to remove the delinquent account. I contacted XXXX XXXX XXXX XXXX and asked them to remove the delinquent account from my credit report and they have refused. The delinquent account is damaging my credit score and this is being done on purpose by the credit bureaus, who are being paid by XXXX XXXX and it is being done deliberately by XXXX XXXX to punish me for filing bankruptcy and to make me pay higher interest for any loans and credit cards I XXXX apply for. It is XXXX  against XXXX consumers because XXXX consumer pay higher interest for loans than their counterparts because of corporate predators.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am filing this CFPB compalint in reference to disputes. That were sent cerified to the three major credit bureaus. XXXX, XXXX XXXX, and Equifax in the filing of these disputes for request for reinvestigation I never got any results from my dispute for reinvestigation. I sent my disputes by certified mail, and yet I was not provided any information back at all. 
XXXX, XXXX XXXX, and Equifax Information Services , Inc. Have violated my constitutional Rights under FCRA , 15 USC 1681Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is accurate and recvord the current status of the disputed information, or delete the item from my file before the end of the 30 day period beginning on the date you received this notice. 
My didpute was sent by certified mail, I demanded to see verifiable proof ( This should have beeen hard evidence that goes all the way back to the original creditor, not verification from a third-party database. 
The three major credit bureaus, XXXX, XXXX XXXX, and Equifax Information Services , Inc. Have continually violated my rights by continual noncompliance as it relates to violation of the FCRA 15 USC 1681. 

( See attached uploaded disputes violations ). 

As, of the sending of this CFPB complaint, I will be following up with the filing of Civil lawsuits. Against the creditors and the three major credit bureaus, for the violation of my federal constitutional rights.
Product: Checking or savings account

Dear CFBP, I am writing to file a complaint against Bank of America regarding their recent practices of holding my monthly paycheck and causing undue financial hardship. 

As a loyal customer for 12 years, I had no issues with Bank of America for the first 10 years. However, following a security breach, the bank advised me to open a new account. Since then, they have repeatedly placed holds on my paycheck deposits. 

Initially, Bank of America claimed that the holds were due to my status as a " new customer. '' After XXXX months, they attributed the holds to federal regulations for larger deposit amounts. Despite their assurances that the holds would cease once they verified the legitimacy of the funds, the issue persisted intermittently. 

Bank of America has provided inconsistent explanations for the holds, ranging from federal regulations to the need to verify the funds ' legitimacy. However, the sending bank has confirmed that Bank of America receives the funds the day after I deposit my check, and I have records to support this. 

Currently, Bank of America has denied several of my transactions due to insufficient funds, even though they have held the deposited funds since the XXXX  of this month. This has resulted in the accumulation of insufficient funds transaction fees. 

I request your assistance in determining the validity of Bank of America 's claims and any available recourse to ensure timely access to my deposited funds. The recurring holds and inconsistent explanations have caused significant financial strain and inconvenience. 

Thank you for your attention to this matter. I look forward to your response and resolution. 

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

I received calls from a collections agency called First Credit Services in XX/XX/XXXX about a debt for roughly XXXX dollars for a gym that I never used that I was being told I still owed money for. I attempted to dispute the claim from the standpoint that I had moved from the area and no longer could access that gym. I sent them the appropriate paperwork within the 30 day time period and never heard anything from them again for more than four months until in the first week of XX/XX/XXXX it showed up on my credit report. I called them for clarification and they said they received my documents on XX/XX/XXXX and my dispute was denied by the creditor. However, the collections agency never sent me any documents to inform me of this denial or made any attempt to reach out to me via phone or any other means before reporting it to the credit bureau
Product: Credit card or prepaid card

RE: Amazon Prime card issued by Chase-# XXXX.My part of contract is to use card. Chase's is to issue points. Amazon shows I have no points. Chase shows I have some, 2 different #s. I show many more available on the Chase site.Calling Chase is an excercise in futility. They are trained to obfuscate, intimidate and do nothing. They work hard to waste my time while continuing to ask inane questions. Bottom line. I need to KNOW what points are available and why I can't use them This is a CHASE problem. Created solely by their incompetency and dysfunction and compounded by their bloviating method of not dealing with THEIR PROBLEM. I am not on the Chase payroll and refuse to be further disrespected. This situation must be corrected by the perpetrator, not the victim. Compensation for the time wasted is requested in addition to the proper points.