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

The three credit bureaus are reporting a medical claim from XXXX XXXX XXXX XXXX that is being falsely reported by a third party. Please see the attached communication form XXXX XXXX XXXX XXXX 's Legal Clerk, XXXX XXXX addressing the fraudulent reporting of this matter by XXXX, XXXX and Trans-Union. 
I believe these three companies have targeted me as an XXXX XXXX in attempt to harm individuals such as myself by allowing such false information to be reported to cause financial harm.
Product: Credit reporting or other personal consumer reports

This debt has been canceled per a 1099C. IRS accepted it and this company refuses to acknowledge this fact. All correspondents, letters, have been forwarded to the XXXX XXXX for there investigation of mail fraud, fraud and swindles. I do not owe these people anything. HomeLoanServ is funneling money from this organization to Idaho Housing and Finance Association who are the one reporting on this credit report. I have no contract with these people and this is getting old. They refuse to show any accounting of " donations '' sent to this place. If you want more evidence, I have it. This is clearly fraud and something needs to be done. There was never any full disclosure of the original contract to begin with, there was never any transfer of anything. Homeloanserv is a 3rd party debt buyer that bought this debt and the atty for IHFA where the FRN notes are being funneled threatened me with arrest if I continued on with the validation of this debt. I have evidence there was never any debt from the beginning. GAAP principles shows you there was a balance of the books from the beginning, so how can there be a debt? These people know they are in a trustee position with a fiduciary obligation and they refuse to do anything XXXX show anything. In fact it has already been settled with XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX bankruptcy discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I reported Fraud with my wellsfargo credit card and i have explain to them that the wire transfer is not authorized and the denied my case claim and they are saying that it's my resposibility to pay all the wires. I only have one bank and already told them that why would i even do this to myself and a lot of Wellsfargo 's representative are rude and would hung up on me when i'm asking them what else i can do.
Product: Credit reporting or other personal consumer reports

I am writing to report an instance of identity theft and to dispute fraudulent accounts opened in my name formally. I believe that my personal information has been compromised, resulting in unauthorized use that has significantly affected my Transunion credit report and financial well-being. 

Details of the fraudulent activity are as follows : 1. **Unauthorized Accounts** : - XXXX OPENED XX/XX/XXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX. XXXX Report Discrepancies** : - I have obtained my credit reports from Transunion and have identified the following inaccuracies related to the fraudulent accounts : XXXX OPENED XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX  opened XX/XX/XXXX I have yet to receive a response from TransUnion I request that you investigate this matter and take the necessary actions to rectify my credit report by removing these fraudulent accounts. I also ask for your assistance in providing guidance on any further steps I should take to protect myself from identity theft in the future. 

Thank you for your attention to this important matter. Please let me know if you need any additional information to expedite the investigation.
Product: Credit card

Starting at the end of XXXX, I have reached out to XXXX to gain access to the online payment portal. I have sent XXXX emails and have called multiple times with no success. At times the line will ring and then the call ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed. XXXX XXXX {$110.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$680.00} XXXX  XXXX {$2800.00}
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4200.00}, Account name : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$86.00} Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX - XXXX XXXX XXXX Account name : XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681 Section 602 A States I have right to privacy 15 U.S.C. 1681 Section 602 section 2 : it also states a Consumer reporting agency can not furnish a Account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : No Consumer reporting agency may make any consumer report containing any of the following items of my information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. 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: Credit card or prepaid card

I filed XXXX XXXX bankruptcy in XX/XX/2021, and my debt was discharged in around XX/XX/2021. 

Bank of America is attempting to collect debts that were discharged in my bankruptcty. 

They also sent me a 1099c stating the debt was forgiven by Bank of America. They sent this false information to the IRS too. 

And to be clear, my Bank of America credit cards were closed before I filed bankruptcy, so they were definitely included. Bank of America is in violation of a Bankruptcty Court Judgment by attempting to collect the discharged debt, and by falsely reporting the status of the debt to the IRS. 

And to be clear, I have made no promises to pay the debt after my bankruptcty. 

Repeated calls to Bank of America have not resolved the problem.
Product: Checking or savings account

Hello Ill like to file a complaint on Chase thy closed my account a day after I spoke to a representative was nothing wrong with my account and thy didnt have any reason why thy did it the only thing what was that representative realized on my name that Im XXXX I called in already a few times and try to see if someone can help me always the same answer thy cant give out more information why I was closed Since I know I didnt do anything wrong or violated any rules So must be thy did it because my religion I think its so unfair Ill appreciate if someone can get back to me Thanks
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Equifax /I do not remember authorized this company to obtain a copy of my credit report. This inquiry need to be removed immediately : Creditor Name : ( XXXX XXXX XXXX ) I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry.
Product: Checking or savings account

I opened up an online checking account with CapitalOne 360 a couple weeks ago to deposit a check. This is my first bank account and the check was a financial aid pell grant issued by my school. I deposited it into my CapitalOne checking account and waited a couple days for it to verify. After that, I saw that my account was locked, and that I could n't access my money. I called CapitalOne 's customer service number and was transferred to security. The man on the other line was n't very helpful. He said some things like the check could be a fraud check. He could n't tell me what the problem was and said to wait a week or and then they 'll tell me what was wrong. I waited but there were no changes to my account. I called the issuer of the check ( XXXX ) to see if the check was valid, and they confirmed that it was. I still could n't access my money, so I called CapitalOne 's customer service again, and they told me that there was nothing they could do and that only their security team could fix the issue. I asked them to transfer me to security and they told me that they could n't, which is weird because they did it the first time I called. I found the number for security on CapitalOne 's website and called it. I was sent straight to voicemail which told me to explain my issue and I did. The voicemail said that I would get a call back soon. I waited a couple more days and nothing. I called CapitalOne 's customer service again and they could n't help, and said they 'd let security know about my issue. They said that they could n't transfer me to security, and that there was no way of contacting a live person who works in security. Security has to call me themselves. They have to call and they ca n't even email me. This is an issue for me because I am busy throughout the week and I could be in class if they call. If I miss the call, then what? I told them okay, let security know. This was on a Friday, and they said security would call back on Monday. They did n't call me. I called CapitalOne 's customer service today explaining my issues again. They again told me that they could n't do anything and that their security is backed up. They gave me the number for security and I called it. It was the same number from earlier that led to voicemail. Only this time, I could n't even leave a message, their voicemail box is full. This is ridiculous. I am being bounced around back and forth with no resolution.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XXXX Balance : {$0.00}
Product: Debt collection

Letter from Pacific Retrieval LL.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX was issued XX/XX/2021 stating that their is debt owed to the client, XXXX XXXXXXXX from a car that I have sold to a private buyer months ago. For an amount of {$1100.00}.
Product: Checking or savings account

On XX/XX/21 I issued a check to my internet provider, this check never reached them. Instead, or was cashed by someone else. I tried reaching out to my bank at the time, Chime, where they told me they could not do anything since it was a check and not a debit transaction. I also tried reaching out to the bank that cashed it, but they could not or would not discuss anything with me.
Product: Credit card or prepaid card

Two fraudulent charge was added to my account. One in the amount of {$80.00} dollars at XXXX XXXXXXXX XXXX  in XXXX, Illinois. And another amount of {$190.00} dollars at XXXX XXXX XXXX in XXXX, Illinois. Both of these charges were not made by me. They are fraudulent. I reported the fraudulent charges and cancelled that stolen credit card. My report was ignored and the charges stayed on my account. I have received a new credit card from AVANT but, the fraudulent charges are still on my account.
Product: Credit card or prepaid card

I received what should be an edd debit card but when I attempt to activate the card I am asked to provide the entire card number even though the paperwork indicated that I would only need my last four of my social security number. 
The card is hijacked every time I get one because of this and I refuse to do it again.
Product: Credit reporting or other personal consumer reports

Fake and fraud call involving money withdrawn from bank account
Product: Debt collection

Wells Fargo contacted my phone in attempts to bring my joint account with my husband up to date. I told them i was aware of the over drafted account but due to the sudden loss of my mother, i lacked funds to bring the account up to date in order to pay for her funeral. I told them not to contact me not my husband because i will bring the account up to date when my husband i returned home from her funeral and there was simply no need of a reminder. They responded and said okay and within the days they reached out to my husband several times and i finally answered the phone reiterating that i demanded you all not to contact us during our time of hardship, we were aware of our debts and when we had the money which would be next week, we would replinish the account. I am already emotionally distraught due to my mother 's passing and their constant harassment is not helping.
Product: Debt collection

I contacted Professional Debt of XXXX XXXX XXXX, FL 2, XXXX, FL XXXX ( which is the address listed on my credit report ) on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them. They reported on my credit report as I had an account in collections with them in the amount of {$5900.00}. I also informed Professional Debt that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX XXXX '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), and 15 USC 1692f ( 8 ). They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. 

I appreciate the CFPB 's assistance in the matter. 

Best,
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls underXX/XX/XXXX according to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XX/XX/XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card or prepaid card

I am a military XXXX XXXX spouse and recently applied ( XX/XX/2020 XXXX for the Amex Platinum Card due to the benefits of having the {$550.00} annual fee waived under the SCRA and MLA act. I documented on the application that this was the case and did all the relevant steps to ensure I was covered. I then called before the application was successful and reaffirmed that I was active military spouse and was informed that I must wait for the card to be sent out and then apply for the benefit to be added, the call was recorded. I have since been informed that I am not entitled to this because my husbands military service doesnt qualify for the MLA despite there being no mention of this on the American Express website or no small print under the MLA act itself, since we dont qualify for the SCRA as thats for pre military service. I am now unable to have the fee waived and cant cancel the card because it will affect my credit score which I have spent years building. This was completely false lending and I feel I was miss sold during the entire process where I was not informed that there were stipulations on the military service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX bank sent information to Experian without my consent and violated the privacy consumer act that prohibits 15 u s c 433.3 and 15 u s c section 1601 and third party reporting information that was released without my consent i feel behind do to the enormous economic crisis with job loss and inability to pay on time debts
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss to me. I would like these issues to be investigated
Product: Debt collection

They have called me at work many times and is now contacting my supervisor and releasing personal information to him about me. They also refuse to provide verification of debt and threatened to have me served with legal papers or arrested.
Product: Checking or savings account

My accounts were closed due to me being " a risk '' for the bank. I was told I'd receive a check and still haven't got my money almost 3 months later.