23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act U.S. Bankruptcy Court Account # 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: Debt collection

... ... .XXXX XXXX XXXX XXXX froze or levied my account on XX/XX/23 because citi bank na used XXXX XXXX XXXX XXXX XXXX XXXX execution letter delivered to XXXX XXXX XX/XX/23 to XXXX my account because of consumer debt that I'm not able to pay do you being on pa unemployment insurance ... ... .I have emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX them about exemptions on pa XXXX  state and federal part and let them know about XXXX and the complaint ... ... .I 'm having absolutely no problems with XXXX XXXX that XXXX me and my wifes joint but ... ... ... ..so it has to be XXXX XXXX XXXX XXXX and how they are handling this ... ... ..I was served by the sheriff s department today XXXX XXXX.. .. How is the bank able to levie or freeze my account on a executive letter that is against Pennsylvania and XXXX XXXX XXXX XXXX exempt XXXX XXXX  benefits... I sent a complaint to cfbp but haven't gotten a reply... I attached the order to you because is the order mis read by XXXX XXXX XXXX  or do i file against XXXX XXXX XXXX XXXX citi bank XXXX  but sent to local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX it is getting all mixed up because of federal local Pennsylvania XXXX ny laws when .... im being affected Imediately ... ..the bank and law firm and citi bank na are breaking Pennsylvania and federal laws on major exemptions under Pennsylvania and Federal laws on trying to collection on employment compensation insurance ... .I attached the page but was served after the fact of the levied account how are they allowing this to happen ... .if possible can you forward my message to the right party I fighting here ... .I will reply to the courts but I'm being buried by bank to bank snowball to a avalanche effect here and its all damages and racking dollars cause the locked my only form of income pa XXXX .....
Product: Vehicle loan or lease

On XX/XX/2023, SETF has contacted my phone number from XXXX EST all the way until XXXX EST every hour and harassed me. On XX/XX/2023, I have set a payment of {$1500.00} to go towards the car note. SETF has violated the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ) by continuing prohibited practices by harassing me repeatedly calling my phone 4 times within 5 hours. Harassment.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN XXXX  DAYS, INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing XXXX over the past couple of years due to inaccuracies on my credit report. This account has been removed from my XXXX and XXXX credit report but it is still showing on XXXX. This is a violation of 15 USC 1681eb because this is inaccurately reporting on my credit now. I have attached my dispute letter from XX/XX/23 and I demand removal immediately.
Product: Money transfer, virtual currency, or money service

i am 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 tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card or prepaid card

TL ; DR American Express does not always use correct customer name and address when it mails materials to the customer. When the customers reports the problem of non received mail to American Express, the company is arrogant about investigating the issue and simply assumes that its systems generating mailing labels for the envelopes are working correctly. 

There are two responses from American Express to CFPB that I am attaching. One claims that an American Epxress credit card was mailed to me in a package that was addressed to my name and address I had on the account. The ohter claiming that a {$50.00} check was mailed to me in an envelope that had my name and address on the mailing label.

None of the materials were actually delivered to me. I asked American Express that one of its representatives should manually verify that name and address that is being printed on the shipping or mailing label when American Express mails some materials to me, but it seems that American Express does not want to bother troubleshooting the problem to identify the source of the error in its system.
Product: Credit card

I received an email from what appeared to be XXXX in XX/XX/2023. This was not unusual as I am a frequent shopper and an XXXX XXXX card holder which allows me to discounts etc. The email looked legitimate to me. 

The message congratulated me for being a loyal customer and I was chosen to participate in a Loyalty Program to receive a free prize. I opened the email and the prize was a portable blender and juicer and all I had to do was to pay shipping cost of {$5.00}. I paid the shipping cost on my Belk MasterCard managed by Synchrony Bank. I was shocked when my Belk statement arrived as there were 2 charges on it that I DID NOT authorize. I immediately called the phone numbers listed on the statement to refute the charges. I was successful in contacting one of the companies which charged me for pictures taken at an airport. After threatening them with a complaint to the XXXX and the Attorney Generals office they removed the charge. 
I was not successful with the second charge of {$82.00} made to XXXX XXXX. The phone number on the statement was disconnected. I then called Synchrony Bank to dispute the charge that I did not authorize. They assured me that they would investigate. I assumed that they would remove the disputed charge. I was shocked when Synchrony bank sent me an email that stated they would not remove the disputed charge because I used my card to pay shipping on the free gift. I asked for proof that they investigated the disputed charge. They refused to provide me any evidence including the phone number and address of XXXX XXXX which led me to believe there was NO investigation. I filed a XXXX complaint on XXXX XXXX and my reply was that XXXX XXXX was no longer in business. 

I have had a Belk credit card for over 37 years and use it very frequently and I have never refused to pay my balance. I simply refuse to pay the fraudulent charge and now Im being harassed by Synchrony Bank calling me several times a day and believe it or not on Sunday mornings. I have called Belk Corporate office to voice my complaint. After many tries I spoke to a person, I was in tears explaining to her how I was defrauded. She reported it and I would receive a call within a week, which has not happened. I have canceled my Belk credit card and currently dont expect to ever carry one again. 
Synchrony Bank has also taken away my privilege of free shipping for Belk customers who charge {$1000.00} or more a year. I spent {$1000.00} in the first 3 months of this year! 
My credit score has dropped from XXXX to XXXX, however my score is exceptional as I pay the balance of all credit cards in full every month. 

I also received an email from XXXX XXXX, which is also managed by XXXX, offering again a free gift. The difference is I used my XXXX XXXX who recognized I was scammed and didnt charge my card a dime. Shortly after my dispute I received an email that said we were late paying our XXXX credit card, we did not receive a statement in the mail at all so we didnt even realize there was a payment due. Amazing how the timing of the missing statement coincided with my dispute with XXXX.
Product: Mortgage

On XX/XX/2016 I received a packet from Bank Of America requesting additional information for my home loan application, I filled out the packet forwarded via XXXX/Fax To ; XXXX XXXX my ( CRM ) Ph. # XXXX Ex XXXX. CC. Attorney XXXX XXXX XXXX of XXXX XXXX Law firm. Ph. # XXXX Noted XX/XX/2016 XXXX XXXX XXXX XXXX notified me by parcel mail stating the bank has received my inquiry submitted CFPB # XXXX Moving forward he would will be fostering my modification review with the Bank. XX/XX/2016 I received another letter from XXXX XXXX my ( CRM ) For ( BOA ). Stating we are no longer reviewing your application for loan assistance because we did not receive the requested documents this is not only false, Absolutely frustrating from a barrower stand point I made several attempts to bring the loan current, I was told the system will not accept payment the loan is in default. Every month the bank attaches accumulated fees. I provided the requested documents for the modification. Someone needs to acknowledge there is a communication break down in all parties supposedly involved in the matter at hand. My loan is ( FHA ). Bank Of America has a Obligation, Fair Debt Act 15 U.S.C. ~1692 elt seq / Real Estate Settlement Protection 12 Act 12.U.S.C.~2605
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion have reported incorrect information on my credit report for account XXXX XXXX. it is affecting my credit to the point I can not get a job or purchase a home Account details about worst payment status of XXXX days late is inaccurate on my Transunion report XXXX XXXX report is reflecting the same thing which is derogatory and affecting my credit as well. I have mailed in custody papers showing I have custody of my child. I have requested validation of the account. I have requested a copy with my signature on it showing where there is a signed agreement between me and this company. I have requested documentation that I gave permission for this account to be reported to the credit bureaus. 

I have also disputed inquiries on both reports ( Transunion and XXXX ) that I do not even have active accounts for that were done fraudently in my name and XXXX and Transunion refused to remove them from my credit reports They have refused every single request and have not provided me with anything I have put in writing sent to them certified along with my identifications to verify I am who I say I am as well. 

Due to them violating my rights, I have ben refused jobs and now I am being refused purchasing of a home because of this. I am attaching my current XXXX report because it is not on my report and the other two credit reports should reflect the same as XXXX.
Product: Checking or savings account

My bank account was closed in 2019 due to fraud on my account at Bank of America. I went to the bank to see why my {$27000.00} was missing from my account and I was told that I withdrew my own money. I don't have online banking or a card. So I'm trying to find out what the bank did with my money.
Product: Debt collection

I am being sent to collections by an insurance company that I still have a paid up policy with.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXXXXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX {$2100.00} not mine XXXX {$24.00} not mine XXXX XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$4700.00} not mine XXXX XXXX XXXX XXXX {$450.00} not mine XXXX XXXX XXXX XXXX {$300.00} not mine How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( XXXX ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$15000.00}, XXXX XXXX XXXX Balance {$960.00}, XXXX XXXX XXXX Balance {$1000.00}
Product: Credit reporting or other personal consumer reports

I reviewed my credit report over last few months and the following items reporting do not belong to me : XXXX  - showing on ( Equifax and XXXX ) with bal of {$XXXX} XXXX  XXXX - showing on ( Equifax, XXXX, XXXX ) with a bal of {$XXXX} XXXX XXXX XXXX - showing on ( XXXX, Equifax, and XXXX ) with a bal of {$XXXX} XXXXXXXX XXXX XXXX - showing on ( XXXX, Equifax, and XXXX ) with a bal of {$XXXX} XXXX - ( Experian ) with a bal of {$XXXX} ; opened XXXX XXXX - ( XXXX, Equifax, and XXXX ) with a bal of {$XXXX} ; opened XXXX XXXX Card - ( XXXX  and XXXX ) with a bal of {$XXXX} XXXX  XXXX - ( XXXX, Equifax, and XXXX ) with a bal of {$XXXX} Please assist me in getting these accounts removed these are not my accounts. I have sent police reports and ID Theft reports to these companies. Please help.
Product: Debt collection

Calvary Portfolio Services LLC Account XXXX XXXX I have a collection notice in my credit profile in which I have never spoken with this company Calvary. For some reason this company has been reporting as a creditor on my file. This company has used my personal information and applied their alleged debt to my credit report. This company sent me paperwork claiming that they are the current creditors. To my awareness this company is supposed to be labeled as a debt collection agency therefore they are using false and misleading information by using coercion-to receive alleged debts. Some of the methods shown below is offering discounts to an increased amount they created.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Product: Credit reporting or other personal consumer reports

This account show that these account are delinquent and has affect my payment on time section. But they have been fully paid and should be closed it should be shown as debt still. I have filed multiple disputes and they refuse to change it.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file will be appreciated. As of the moment I feel that the account on my file needs to be repaired. For that reason, I request that all of the attached inaccurate information listed in the account on my credit file be removed immediately : XXXX XXXX Date Opened : XX/XX/year> XXXX Balance Owed : {$0.00} The information for this account on my report is incorrect. Although the account is closed with a XXXX balance, it is being reported as past due. Please correct this immediately. Either provide evidence that the information is accurate or remove the erroneous entry.