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

EXPERIAN INFORMATION SERVICES, XXXX XXXX XXXX, AND XXXX XXXX XXXX, has violated the FCRA, by conducting a reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate1. The FCRA requires consumer reporting agencies ( CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate 4.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I filed a dispute with Experian, XXXX, and XXXX regarding fraudulent accounts that had been reporting under my name and social security number that they maintain under a credit profile on XX/XX/year>. I filed another dispute XX/XX/year>, also addressing the accounts, by providing an Identity Theft statement, that outlines the accounts reporting. In the affidavit I made it clear that these are accounts are not transactions that I have been associated with, and that they were fraudulent. As of today, my dispute came back from Experian stating that the XXXX account was verified. At this time the accounts from XXXX XXXX  account ( XXXX and JPMCB ( XXXX ) are not accounts authorized by me. I want the accounts removed from the credit reports that are maintained under my number. Failure to remove the accounts, will result in a lawsuit being filed against each credit reporting agency. I will attach verifying documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is supposed to be private and this comoany violated my consumer rights and FDCP laws 15. U.S.C. 1681 section 604A- Consumer can not furnish an account without my written permission 15. U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15. U.S.C. 1681 Section 602A- I have the right to privacy
Product: Checking or savings account

I was defrauded in the amount of {$9900.00} in my Bank of America account # XXXX in six transactions from XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX, I was contacted by an individual claiming to be an employee of Bank of America XXXX He was calling from the same phone number that was on the back of my Bank of America debit card ( and he reinforced that point ) and that there was fraud activity on my account that needed immediate attention. He indicated that I needed to move money to this fraudsters account so they could actively pursue this individual and press charges against him. 

Per there recommendations, I moved money via Bank of Americas XXXX app, and it seemed very legitimate since this individual was calling from a Bank of America phone number and never asked me to give out my bank account number or information. 
The same individual called back on XX/XX/XXXX and said that several other money moves would be made, but these were normal to pursue this fraud, and all money would be credited back to my account within 7 days. 

After figuring out that this may be fraud, I called Bank of America fraud department on XXXX  directly and they opened a claim for me. The claim # was XXXX ( and was also referenced case ID # XXXX on the phone ), and they said the individual that opened that account was from a XXXXXXXX XXXX ( account number was not given to me ). 

I also opened up a local police report here in Oregon ( case # XXXX ) with XXXX XXXX XXXX XXXX ), but he said that nothing would be done on their end. 

On XXXX I received notification from Bank of America via email that my claim was denied and the funds were non-recoverable. 

My complaint is against Bank of America ( as well as XXXX XXXX  ). These banks are the parent companies of XXXX and are clearly not doing enough to protect consumers, vet existing customers ( that are opening accounts as fraud ) and recover fraudulent funds on behalf of customer ( that are their own customers ). This is just wrong.
Product: Debt collection

Midland Credit Management contacted my spouse about a debt collection that is solely in my name. My spouse verified with the representative that the account is only in my name. They gave my spouse information regarding the company, account balance and other personal information. This is a complete violation of privacy. I have never spoken with any one from this company before. I have not received communication from them. I did not give them permission to speak with anyone regarding this debt collection. I do not mind working with a professional debt collection agency regarding this account, but I will not work with an agency that violates FDCPA. I can not trust a company that violates federal law to handle any of my personal information. My spouse asked them to mail proof and they refused, citing only an email that they sent to his ( MY SPOUSE ) email -- not mine.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns in regards to Zelles handling disputes. With current events of the recent CFPB lawsuit that highlights 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 the recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate the Zelle has not only neglected to protect consumers but allowed repeated offenders to exploit the system. Leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns for consumer safety.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that some inquiries were reporting without my authorization. Please check the documents I've included regarding this important matter.
Product: Debt collection

On XX/XX/XXXX I received a credit report for a debt collection from XXXX, from a debt that was sold to ability recovery services from XXXX XXXX XXXX. 

1. I  visited XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX which all was supposed to be paid for by the state of texas, from my understanding. Which is why I was offered a bed to stay. 
2. I am completely unaware of this collection or debt. 
3. I have lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX since XX/XX/XXXX and have yet to recieve 1 piece of mail from either XXXX XXXX XXXX or ability recovery services. Since I have lived here, nor have I been contacted by email or phone. 
My email is XXXX My cell is XXXX Here I am 4 years later on a debt Ive never received the first bill or balance for being reported for my credit for being a month late in collections.
Product: Mortgage

Hi I currently have a mortgage with US Bank. In XXXX I became very sick with XXXX  and my entire household became sick with XXXX. After that I was affected by XXXX XXXX related to XXXX. I reached out to US bank as I was encouraged to do so by resources in the community. I learned that I could do a forbearance do the fact I had XXXX. So I did end up doing that. In XXXX I tried to reach out to the bank to resume payments they stated I would just have to wait for paperwork and submit it. I did so. I was then denied the mortgage assistance and was informed in XXXX that I need to submit more documentations. So I did so which was a letter to state my hardship was resolved. After that I received a letter stating my house was up for a short sale. Which long story short affected my current XXXX XXXX state bad. It also affected my XXXX of XXXX XXXX XXXX. Long story short I called US bank again and they informed me that I should not worry as the application that was submitted was wrong as it did not reflect that the hardship was XXXX related. Which I did keep my paperwork that was submitted and it did state that is what XXXX related. I have been going through alot with US BANK and have lost lots of work time.
Product: Debt collection

I received over five phone calls yesterday from Tidalwave Finance. I am 11 days late. I have given dates for payment which was accepted by one loan officer and then I get a call today. They called all my references and my hr department and are continuing to call me today.
Product: Mortgage

Even thought I already reached out to your agency regarding Bank of America unjustified fees applied to my mortgage payment, the bank is still requesting that I send a XXXX fee in addition to my monthly mortgage payment.
Product: Debt collection

Transunion is reporting charge off/ and in collection account when if it is a charge off it is taxable income and credit report are not supposed to report income
Product: Credit card

I lost my job due to career change. I had to take a job in XXXX, Texas. My primary residence is in XXXX, Texas. I discovered Lowes Home Improvement was charging me an excessive 24.99 % APR and called them to ask for help since I was having financial difficulty managing XXXX separate households. They connected me with Synchrony Bank hardship department. The understanding I had with them on the phone was they could help me with a lower interest rate, BUT, I needed to close my account first. So reluctantly, I closed the account. However, its now been over a month since I did what they asked and I have yet to see a lower rate? All I 'm asking for is a little help. I do n't feel like {$150.00} a month in interest is fair. Especially towards someone that 's been a valued customer for over 15 years. I just ca n't see the logic in paying that much interest on an account that 's since been closed. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX Amount- {$700.00}, XXXX XXXX XXXX Account XXXX XXXX Amount- {$360.00}, XXXX XXXX XXXX XXXX Account # XXXX Amount- {$440.00} 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

They have called six times in XXXX on XX/XX/XXXX on what they said was a recorded line I informed them not to contact me again. On XX/XX/XXXX on what they said was a recorded line I told them I had previously instructed them not to contact me again and again told them not to contact me. On XX/XX/XXXX XXXX and XXXX they called again. Thereby violating the fair debt collection act by continuing to call after having been instructed not to In addition they have never sent any kind of notice of the XXXX Ill give it any kind of notice of a right to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  ,2015-   XXXX  I call  XXXX   XXXX   XXXX   XXXX  and they will try to removed this off my credit report because it 's pa st 7 years old. no c hange on my credit report.
Product: Credit reporting or other personal consumer reports

1. In XX/XX/2022, the Plaintiff notified TransUnion LLC, and XXXX XXXX XXXX XXXX about him being a victim of identity theft, he also gave the them a copy of the police report and requested validation of the account. 
2. The XXXX XXXX XXXX XXXX account is still being reported inaccurately, and incorrectly on my TransUnion credit report. Which means XXXX XXXX XXXX XXXX failed to provide timely and accurate information to me concerning the account in question, according to 12 CFR 1024.38. 
3. XXXX XXXX XXXX XXXX deprived my rights by validating an inaccurate, and incorrect account with TransUnion to publish this account on his credit report. 
4. XXXX XXXX XXXX XXXX also failed to validate the account with the third party XXXX XXXX XXXX. 
5. Once I requested information in writing regarding the account that is published on my TransUnion credit report, XXXX XXXX XXXX XXXX denied the account in question and didnt provide any further information about the account, which they are in violation of 12 CFR 1024.36. 
6. TransUnion failed to block the inaccurate XXXX XXXX XXXX XXXX account resulting from Identity Theft within 4 days.
Product: Credit card

Back in XXXX my XXXX account was hacked and my Sony card was used to without my consent I contacted my card company to get a replacement card which never arrived I contacted them again to figure what was going on they said the address was added incorrectly updated so they updated again. My card was still sent without an apartment number after numerous calls and messages to the secure portal including talking to specialist and supervisor this issue still has not been resolved and I can not use my home address to receive my card. The card it self is a Sony card sent through Bread Financial and comenity bank. I have attempted to update my address my self and still have the same issue they will not address the system issue and instead make attempts to send it even after I explain that this is an ongoing issue and even if they enter the address correctly their system at the time it reverts to the incorrect address. Ive lost my confidence in reaching out to the for solutions. Its been almost 6 months without solution from them then telling me maybe I should just go get it from the postman is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My was Credit report pulled without my Authorization, the companies are listed below, along with the dates and their phone numbers. 

XXXX XXXX XXXX XXXX - XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX  XXXX - Phone XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Phone XXXX XXXX XXXX TransUnion - XXXX Phone XXXXXXXX XXXX XXXX TransUnion - XXXX Phone XXXX XXXX XXXX TransUnion XXXX XXXX & XXXX Phone XXXX XXXX XXXX XXXX TransUnion - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Phone XXXX Veterans XXXX XXXX TransUnion XXXX XXXX & XXXX Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my Credit File through both XXXX and TransUnion.com in which I have been unsuccessful. I have tried to resolve this matter with them, but I am not getting anywhere with them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 under 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 listed IMMEDIATELY!
Product: Mortgage

I own an occupied resident. I was not aware of a loan transfer to another company, until I received a letter by XXXX with a returned check stating that owe {$17000.00} or go into foreclose. I called the company that I was sending my payments to, the person I spoke to said that they were transferring the payments that I was sending to the new company. I do not know why the original company did not send and email about the transfer. The first person I spoke too at new company could not answer my questions she hung up, so I called back an spoke to another person she explained to me that the company took over my loan XX/XX/XXXX. I asked her why such a high payment she told me that they have not received a payment since XX/XX/XXXX, escrow changed I do n't have escrow and that I owe for their legal fees. She told me that they tried to call but no answer I told her the number they were calling was changed about five or eight years ago. She asked how else they could get in touch with me, I mentioned to her that every other company that took over my loan in the past 25 years has always sent a certified letter within two or three months of taken over. I notice that my account number has changed. I also mention to them that I have no problem of paying my monthly payments if I was aware of this problem when they first took over the loan. And now they want me to pay more which I do n't have in my bank account. I explained that I have n't missed a loan payment in 25 years until this company took it over. I found out that the previous company was returning my payments from XX/XX/XXXX to present. I was asked to submit a dispute letter about the payments. I was trying to get more information before I wrote a dispute letter, so I sent them copies of all my payments to see what they had and I checked with my bank to see what was cashed, returned or that I have n't received. After I sent these copies, that not even a week they sent the amount to pay by wire. I received this letter two days after the date. At that time I was trying to get more information to write my dispute letter. I received a letter that discussion for dispute was closed. At this moment I have not received any correspondence with this company.
Product: Credit card or prepaid card

In XX/XX/2019 I opened a XXXX store brand credit card. At the time I was working to repair my credit with a score around 500 and 5 accounts in collections. After paying off 4 of the accounts in collections and improving my score by 100 points Synchrony bank closed my account based on my credit report. My account was in good standing and on auto payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly
Product: Credit card

While married, I added husband as authorized user to Citibank card. Trying to now remove him from the card and they state that it is a joint account. I asked how it was a joint account, as I have owned the credit card prior to knowing him. They stated only way to have joint account is to have XXXX applied for card at the same time. I have been a cardmember for 14 years, they tell me, and I 've only known my ex for 8 years. there is no absolute way we signed up for this card together. In fact, I never had a joint account with him at all accept for his business checking account. We never had this as a joint account and they refuse to remove him. In order to do so, I would have to pay off the XXXX balance, which i can not do, or close the card and reapply for a new XXXX. But the second option would still have us in the same situation. This is hurting his credit now by having this card showing as a large amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed these items numerous of times, I have asked for proof of debt such a contract bearing my signature but no one can seem to furnish me with the document requested. Every time I dispute these items it comes back verified when I request debt validation everything is at a stand still. My personal information was looked up in the Florida Unemployment System back in XX/XX/XXXX by a State of Florida employee and I was offered XXXX XXXX by the State of Florida to protect my identity for one year which ended in XX/XX/XXXX. After my XXXX XXXX ended, unknown accounts were open in my name. I now have alerts on my credit report.
Product: Payday loan, title loan, or personal loan

I am a single mom with a mortgage payment, car note and tons of bills with only one source of income.I have gotten online payday loans which causes My account to be overdraft weekly and I can not keep up with anything .It is killing me I don't have government assistance at all.The only debt that gets paid are the payday loans because they constantly overdraft my account and I am always in the hole.Which forces me to get another one of this crazy loans to stop the overdraft fees that occurs. Help!!!! what do I do at this point when I am just working to constantly be in the negative status.