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

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX  Employers : XXXX  Employers : XXXX XXXX XXXX Collection/Charge Off XXXX XXXXXXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I used an Arvest Bank ATM. I withdrew {$40.00} and agreed to a {$4.00} ATM fee. My receipt showed this {$44.00} amount too. An undisclosed fee named as XXXX XXXX Oklahoma Fee XXXX that I didn't authorize and wasn't made aware existed was also charged for the ATM debit by Arvest Bank XXXX The " XXXX, Oklahoma Fee '' amount was {$2.00} I've been charged fees twice.I didn't authorize the second fee and didn't agree to it. This fee was not disclosed by the Arvest banking institution on the receipt and shouldn't have been added arbitrarily.
Product: Credit card or prepaid card

There was a new application opened called amex send on my account without my knowledge or permission. With that app there was {$2000.00} removed from my account and sent somewhere. I called on the same day I received an email about this new account which was XXXX. I reported it as fraud and was told that a case was opened. I checked back about 2 weeks later and was told the investigation would take 30 days. I waited the 30 days and was told the case was closed because the money was sent to a XXXX account which they say was mine but I don't have a XXXX account. I re-opned the case on XXXX upon finding out it was closed, I was told I would receive a resolution with in 48 hours. I did not so I called back, I was told I would receive I call back by the end of that day, I did not. I called again today and was bounced around for 2 1/2 hours with no resolution. I don't know what else to do. They want a payment for the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I attempted to become a customer of XXXX XXXX After speaking to them over the phone and setting up an account they were supposed to send me XXXX cards to activate my service. I never received said XXXX cards or used their service. Fast forward to XXXX XXXX XXXX I received a collections stating I owed XXXX mobile money. I called the collection company ( credit collection services ) immediately to dispute and request supporting information. They informed me I had to speak with XXXX. I then called XXXX and they said yes I shouldnt have been charged and said theyd credit the account. I requested documentation to give the collection company which they said theyd email but I never received. Come XXXX I get another letter stating I still owe money but its {$100.00} less now. I call collections again and tell them what XXXX agreed to and asked them to get an update on my account. They informed me that I have to speak with XXXX again. I proceed to call XXXX and they once again tell me that the account is taken care of and it shouldnt impact my credit. Im at a loss on how to handle this and do not feel I should have to pay for an attorney due to a mistake and lack of communication between two companies. In the process of all this I now have a collection on my credit when Ive always had impeccable credit which is impacting my ability to start a business, causing emotional distress, and defaming my character.
Product: Debt collection

XXXX  XXXX XXXX XXXX is refusing to correct or delete a {$16.00} charge that is affecting my XXXX XXXX. This account has been charged off and A charge of is considered income by the IRS 15 USC 1681 2 AI code- Income is forbidden to be reported on a Credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my Experian XXXX or XXXX XXXX credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX  XXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,
Product: Credit card or prepaid card

I've sent a payment check to the company back at XXXX and they cleared it only this week, reporting late 120 on my credit report, closing my XXXX XXXX XXXXnd causing my damages to my credit and losing my mortgage!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows {$600.00} collections thats been on my report for XXXX years I just noticed I called the original creditor and ask them to produce a bill for said perform services they said they couldnt find it because its in collections I disputed it with collections but they left no information to contact them I dispute it through Trans Union and I didnt go anywhere I believe it is fraudulent they cant produce a bill with services on it with my signature How do they expect to prove that it is How do them for original creditor cant produce the information that has a collection agency supposed to produce the information especially when theyre not leaving any contact information for me to get a hold of them
Product: Vehicle loan or lease

My Bank of america loan was reported as a charge off on my XXXX credit report. I was about to pay it off and the account disappeared from my online banking. 

How I'm I supposed to payoff loan? Why was I not been given a chance to payoff? 


BK OF AMER View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$28000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2017 Exchanged {$1200.00} USD for {$920.00} Euro ( see attached ) I even did more than I wanted to because they offered a 3 % discount if it was above {$1200.00}. ( this is the part that bothers me most, not only did I not get a discount they even increased the exchange to their favor,  a complete lie ). 
The published exchange rate was XXXX The given exchange rate was XXXX They said this is the cost of business. 
I was n't aware of the price gouging until I reached my destination where they gave me the fair value in trade. 
When I returned to US I called Travelex XXXX XXXX to complain. They said I should have not done the exchange if I did n't like the rate. Again, I was n't aware of the gouging until I got to my destination. I figure the exchange cost me an added {$200.00} from the unfair exchange.
Product: Debt collection

I contacted my local office asking for a print out of the payments that I have made. The officer I could hear printed it and said it would be mailed within a few minutes he called back and gave me a XXXX number to call. When I called that number the person I talked to threatened me that I would never get that information and gave an amount that I owed him that he could not explain how he said I owed. Threatened me that he had my drivers license number and read it off to me. Told me good luck he would see me in court and hung the phone up. This happened on the afternoon of XX/XX/2018. I still do not have a resolution.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act, the list of accounts below have violated my federally protected rights to privacy & confidentiality under 15 U.S.C. 1681. 
I requested that XXXX, XXXX, and Experian to investigate the following accounts : XXXX XXXX Card- Account # XXXX ( {$210.00} ), XXXX Account # XXXX ( {$3700.00} ), XXXX XXXX- Account # XXXX ( {$1000.00} ), XXXX - Account # XXXX ( {$4200.00} ), XXXX - Account XXXX XXXX ( {$3700.00} ), XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX ( {$1200.00} ), XXXX XXXXXXXX XXXX - Account # XXXX ( {$460.00} ), XXXX XXXXXXXX XXXX - Account # XXXX XXXX {$9600.00} ), XXXX XXXX - Account # XXXX ( {$7400.00} ). 
All three consumer reporting agencies stated that everything was complete and accurate, but I have evidence from Identity IQ that almost every open date, date of last activity, balances and so much more are completely inaccurate. I have provided documentation from Identity IQ Credit Reporting- revealing all incorrect reports. According to 15 U.S.C. 1681i ( 5 ) The Bureau 's ' are supposed to modify or delete accounts that are not reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX IN XXXX Balance : - XXXX XXXX XXXX, XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - JXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy discharged Date filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Credit card or prepaid card

On XX/XX/XXXX PAYPAL sent me an email at XXXX EST stating " Congratulations, XXXX XXXX XXXX! XXXX been selected to apply for the PayPal XXXX XXXX XXXX. ". On XX/XX/XXXX PAYPAL sent another email stating " Thank you for your recent PayPal XXXX XXXX XXXX credit card application. We regret to inform you that we were unable to approve your application for a PayPal XXXX XXXX XXXX credit card account ''. PAYPAL is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. 

I, XXXX XXXX, the consumer and natural person, was denied credit by PAYPAL when I mislead to applied for the PAYPAL XXXX XXXX XXXX Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by PAYPAL due to the response I received. PAYPAL is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PAYPAL. 

If PAYPAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX has violated my rights. 

XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

On XX/XX/XXXX we received XXXX XXXX XXXX XXXX XXXX credit cards from Chase, which partners with XXXX on their credit cards. We never requested these cards, and if we had authorized them and used them, we would be charged for an XXXX XXXX membership we never signed up for or requested. In speaking to both Chase and XXXX, it was clear to us that this is happening to many other consumers, because both parties kept referring to internal websites instructing them to escalate our issue to a superior if anyone calls to complain, although they all steadfastly denied what they did to us. We have a Chase XXXX credit card that we have held for almost a decade. The cards are not set to expire until XXXX. Chase and XXXX both are conspiring to send these XXXX Rewards Cards to regular Chase XXXX credit card holders without their knowledge or consent, in hopes that we will authorize them and be stuck paying for an XXXX XXXX membership. We get better benefits with our Chase XXXX credit card than we would with the new Chase XXXX XXXX Rewards card, so they are trying to force us into the new rewards card, and into an XXXX XXXX membership we don't want and didn't sign up for. My spouse signed up for an XXXX XXXX trial several months ago, and then cancelled it. XXXX used this as an excuse to send us their new XXXX Rewards card, even though we do not have a XXXX membership, and did not request the new card. They are clearly hoping that many consumers who, like us, hold a Chase XXXX XXXX credit card, will assume this new XXXX Rewards card is just a new card for an existing credit card account. The account numbers on the new XXXX  Rewards cards we received are EXACTLY THE SAME as the account number of our current Chase XXXX XXXX card. If we had signed, authorized, and used these new cards we received today, we'd be on the hook for an XXXX XXXX membership fee and lower benefits and a higher interest rate than is the case for our current Chase XXXX XXXX. Clearly both companies are hoping people like us won't notice the difference and activate the cards. This is blatant account fraud on the part of both XXXX and Chase, and in dealing with both of them on the phone today, it's clear they are aware of what they are doing and colluding together. And now, we have to have new Chase XXXX XXXX cards issued, because Chase invalidated our current credit cards by sending us the new, unrequested XXXX XXXX Rewards cards. We know that thanks to XXXX XXXX and the Trump administration, this blatant account fraud on the part of XXXX and Chase will probably not be pursued, since they are determined to dismantle the CFPB, but this is our record of our attempt to report these two companies for the crimes against consumers that they are clearly conspiring trying to commit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ ACCOUNT NUMBER : XXXX, has violated my rights. XXXX5 U.S.C 1681 SECTION 602 A. States i have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

I want to express my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit that brought significant issues to light. I've used Zelle many times, but when I reported discrepancies, neither my bank nor Zelle properly investigated my claims. They told me it was impossible to recover the lost funds or even track the transactions. The CFPB 's findings show that Zelle has failed to protect its users and has allowed repeat offenders to exploit the system, putting people at risk of scams. This lack of accountability and transparency is deeply troubling and makes me question how safe it is for consumers.
Product: Credit card or prepaid card

I opened the XXXX credit card to use on a recent vacation. after i got my first statement I realized the account had a annual fee of {$49.00}. I was very disapointed to get this fee when none of my other credit cards have annual fees. I contacted the bank requesting to waive the annual fee. to my surprise they declined my request. i am giving one last chance to have that annual fee waived at least for this time, before i am forced to closed all my Chase accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach, and these accounts were compromised. 
The accounts that need to be blocked and removed are : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Additionally, I request that the following inquiry be removed from my credit report : XXXX - Inquiry Date : XX/XX/XXXX These actions are necessary due to my status as a victim of identity theft resulting from a data breach. As provided under the Fair Credit Reporting Act ( FCRA ), I am entitled to these removals to protect my rights and ensure the accuracy of my credit file. 
Please confirm receipt of this request and notify me of the actions taken to block and remove these items from my credit report.
Product: Debt collection

I have submitted identity theft report along with a police report showing that this account isnt mines
Product: Mortgage

I had a claim take place at my home on XXXX day while I was out of town. I reported the claim immediately to both my mortgage company and my insurance company. My insurance company acted timely and helped assign a mitigation company to get the leak and water damage cleaned up. They then assessed the claim and paid out a check for the total amount addressed to the Loancare and myself. I signed and sent to Loancare in XXXX, and since then the money has sat in there possession. I have been going round and round with them uploading, mailing, overnighting documents to appease their unreasonable demands. I have spent hours upon hours on the phone speaking to anyone that would listen to me about my issue. I have contacted Loancare, Insurance Claim check center and my insurance company to see if anyone will help me, and unfortunately no one seems to think there is a problem that I have been living in my home without carpet and down a bathroom for my family of XXXX ( with small children ) since XX/XX/2022. I have had contractors quit because of the delays, no longer be able to start because of the delays, and currently have had to delay our contractor 4 separate times as we are still waiting on " exceptions '' and " reviews '' and " checks being cut '' that all have 3-10 business day SLAs. No one from either company will help, nor will they even try. My family has endured this for too long and at this point it is going to be a year before anything gets done.