23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During the month of XX/XX/2022, I received many calls from a number I did not recognize and therefore did not answer ( XXXX XXXX XXXX ). On XXXX I finally answered. It was a debt collector representing XXXX XXXX and/or XXXX XXXX pursuing debt incurred by a XXXX XXXX of XXXX NJ XXXX I explained that my name is XXXX XXXX XXXX and have never had an account with XXXX XXXX or XXXX XXXX. I have lived at XXXX XXXX XXXX, XXXX Pa for the last 35 years and have never lived in XXXX NJ. They indicated that my phone number was tied to the XXXX account. My phone number is XXXX XXXX XXXX which is a PA area code. I have no idea how my phone number was attached to this account. The individual I spoke to named XXXX seemed to understand this was a case of mistaken identity and indicated fraud might be involved. XXXX indicated he would correct the issue and contact a credit bureau to insure my credit would not be tarnished. I thought that was the end of it. On XX/XX/2022 I received the attached documents. It would appear that my address is now also linked to this account. On XX/XX/2022, I talked to XXXX of XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX ). When I initially made the call, the auto answer indicated my phone number was linked to an account there. Clearly my phone number was not disassociated from the account I did not have. XXXX too seemed to understand the mistaken identity and indicated she would correct it. I am filing this complaint in case she does not correct it. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am complaining about the negligence from TRANSUNION. 

I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me. Just so we are clear i am not workin with a third party, I am exercising my rights as consumer for some negative items i dont recall. Your response is ludicrous. I will be in touch with my FDCPA Lawyer since you guys are ignoring my request. Please be on the look out for an complant if i DNT HEAR BACK Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term.I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items :
Product: Mortgage

Specialized Loan Servicing has to be called in order to correct properly applying over payments of my mortgage. They take out interest charges twice instead of only the initial payment that covers the mortgage amount. SLS seems to have a problem over payments and it needs to be fixed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account/transaction with XXXX XXXX XXXX XXXX that appears on my credit report. I believe this matter constitutes identity theft, as I was not responsible for this account or transaction. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting the following : 1. Removal of this fraudulent account/transaction from my credit report. 
2. Documentation of the investigation into this matter. 
3. Immediate cessation of any collection activities related to this account. 

This dispute stems from the fact that in XX/XX/year>, during the timeframe this account/transaction was allegedly initiated, I was in XXXX on XXXX business, as I work for the XXXX. This situation makes it impossible for me to have opened or authorized any account or transaction with XXXX XXXX XXXX XXXX. 

To support my claim, I have enclosed/attached : - A copy of my government travel itinerary or relevant documentation proving my location during the disputed timeframe. 
- A completed Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

Additionally, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that this matter is properly reviewed and that my rights under federal law are protected. 

I request that you investigate this matter thoroughly and provide a written statement of your findings. Please address this dispute within the required 30-day period. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

I was a victim of identity theft and someone stole money from my bank account which caused insufficient funds and overdraft fees and also caused my ach life insurance payment to bounce unfortunately.
Product: Credit card

JPMCB card opened XX/XX/year> with a XXXX limit and XXXX dollars had been charged to the card. I found out about the account from XXXX XXXX and called Chase. I confirmed there was that account in my name with Chase. They changed my security questions, made a secret security word, confirmed my info, changed my user name and password, told me to report to XXXX XXXX which i did today XX/XX/year>
Product: Credit reporting or other personal consumer reports

Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXX XXXX, Account number private, Balance {$430.00}, Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Account number private, Balance {$2500.00}, Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX, Account number private, Balance {$270.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$13000.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$2300.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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. 

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.
Product: Money transfer, virtual currency, or money service

I a writing to formally express my concerns regarding Zelle 's 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 and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Name 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
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately. 

XXXX  Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}
Product: Credit card

Bank of America decreased the credit limit on my travel card from {$25000.00} to {$9900.00} without giving any advance notice. The balance on the card is {$9800.00}. With the credit limit decrease to {$9900.00}, the Credit Usage significantly increased to 98.94 %, which lowered my credit score by XXXX points!!! This is ridiculous and unacceptable. Im in the process of getting a home loan and I have to get new scores to take advantage of the lower interest rates. Now, Im not sure if I will get the loan at all. Im not sure what can be done at this point but I wanted to alert you all to this unfair practice by Bank of America. The interest rate is already 25.99 % on the credit card but I always managed to pay my bill on time. They did not have to lower the credit line to {$9900.00}.
Product: Credit card or prepaid card

My Southwest Airline/Chase Credit card has been Declined over 45 times in a 2-3 Month period, even with plenty of credit on card. Have made contact with credit card via phone, app and contacted corporate office with same negative results. Im unable to use the card as per the promo awards. Their fraud/security DEPT. Has being able to fix the card. They want me to call Chase ever time I use the card indefinitely. I feel Discriminated against treating different then other customers who have same card. Thank You
Product: Credit reporting or other personal consumer reports

XXXX  Block Request To Whom It May Concern I am a victim of XXXX. The infromation below, which appears on my credit report, it the result of the XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquires : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I apprecitate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I submit this complaint against Navy Federal Credit Union for violating consumer protection laws through : 1. False and Deceptive Practices ( 15 USC 45 ) : - Misrepresenting account ownership and handling by denying creditor status assertion under 31 USC 3123.

- Failing to disclose accurate account terms and conditions.

2. Unfair Business Practices ( 15 USC 41 et seq. & State Laws ) : - Causing substantial injury through unfair account management, including withholding payment processing. 
- Engaging in high-pressure tactics by ignoring creditor status assertion and retaining payment submission. 
3. Violating Federal Reserve Laws : - 12 USC 411 : Navy Federal failed to maintain accurate records of transactions, specifically ignoring creditor status and misclassifying account type.

4. Violating Obligations of Persons and Status as Person Defined : - 18 USC 8 : Navy Federal acted as a " person '' under this statute, engaging in transactions ( account management ) affecting interstate commerce while violating federal laws.

5. Violating Consumer Financial Protection Laws : - Truth in Lending Act ( TILA - 15 USC 1601 et seq. ) : Failing to disclose accurate account terms, including APR and fees.

- Fair Credit Reporting Act ( FCRA - 15 USC 1681 et seq. ) : Causing inaccurate credit reporting by misclassifying account status.

- Consumer Financial Protection Bureau ( CFPB ) Regulations ( 12 CFR 1022 et seq. ) : Violating consumer protection standards in account management and payment processing.
Product: Money transfer, virtual currency, or money service

My brother who is XXXX tried to send me a check for XXXX Wells Fargo deemed fraudulent, they said to have him send another check which he did, I went into the Wells fargo branch opend a new account deposited the money, the bank XXXX approved the check. We are dealing Wells fargo to Wells Fargo, we both have the same last name and my name is on XXXX of his other accounts. Again they said it was forgery, then in speaking to Wells Fargo I explained my brother is in the hospital can not walk and wont be released anytime soon. They advise for him to do a wire transfer since he can. He did that on XX/XX/XXXX. Next thing i know my accounts are frozen. for Fraud. I call the fraud number, explained it isnt fraud, she said can your brother call. I said yes. My brother who by the way is in another state, calls the bank they verify and he confirms he wants the transfer of XXXX to be sent to me. They said they didn't believe him, even though they sent a pin code, and asked his social, birth date etc. He gave them all my info as well. They said he needs to go to the bank,. he explained he is in the hospital and can not walk and if he could go to the bank he wouldn't need to do this. He then tells them just leave the money in his account and release my accounts and they wont do that. I call back and they refuse to help me and still consider this fraud. We follow their instructions and do exactly what they said and get everything verified. Even the person on the phone said all of the information is verified, but whomever is making a decision that is affecting my brother who needs help now to have someone pay his bills and my access to my banking. They are ruining our lives for no reason and causing all of this XXXX and locking up my accounts is absurd. I have been a customer for over 20 years as my brother has been. I need someone to help. No XXXX will.
Product: Credit reporting or other personal consumer reports

: Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( XXXX ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Anypersonwho willfully fails to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( XXXX ) any actual damages sustained by theconsumeras a result of the failure ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Under 15 US Code 1681a ( XXXX ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. These items listed a.re not mine and need to be deleted from my credit report. I have contacted my local police department. I'm doing this on my own behalf. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX, XXXX XXXX I, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX 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: Checking or savings account

I frequently receive email messages claiming to be from M & T Bank regarding " unauthorized access '' to my online banking account, and instructing me follow the link below in order to " confirm '' my identity and " restore your account access '' : https : //onlinebanking.mtb.com/Login/MTBSignOn/ I DO NOT NOW, NOR HAVE I EVER had any banking accounts with M & T Bank . I have received this email message dozens of times over the past year or so. I have NEVER clicked on the link and have always deleted the email message without reply. To my knowledge, there have been no incidences of fraudulent access to my legitimate online banking accounts.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  ATTENTION : COMPLIANCE DEPT. 

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed XXXX XXXX to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, Transunion and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a XXXX XXXX. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Debt collection

I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that Midland Credit Management comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided.
Product: Credit card

Hey, I received a new account on my credit report that I was unfamiliar with. I spoke with the company and asked what was this all about. They stated it was for XXXX XXXX XXXX XXXX XXXX. I had XXXX  when I was a kid, I don't wear glasses, and I'm a man not in need of cosmetic alterations. I told them maybe it is some kind of mistake. I asked what does there system say I purchased and they were unable to tell me. Later I disputed the charges unsuccessfully. The representative from XXXX says they were found to meet the requirements. I disputed it again, because it must be some type of fraud.
Product: Credit card or prepaid card

Hi I was charge {$200.00} for item that i never ordered or received.. and my credit card company said they investigated and sided with the person that stole my card or identity ... I am mad as XXXX .... the agent should be fired from capital one.. he don't know what he's doing or has experience he just sides with the other side.. I am mad ... I WANT this removed from my credit card bill {$200.00}