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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Due to the breach of my privacy, I am requesting the following items be deleted Immediately. 

XXXX EMPLOYER 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 XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : 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 XXXXXXXX Inquiries XXXX XXXX XXXXXXXX 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 Equifax EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, XXXX, and Experian with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.
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 that tracking these transactions were not feasiable. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

I had an open and active Cash App Account that was taken over by another individual. Money that was sent to me on this account was deposited into another individuals account. One of the transactions was a payment from my roommate for XX/XX/XXXX rent. I requested from the person ( s ) that had taken over my account, but refused. I immediately contacted Cash App for assistance with this issue, but they did not help. Earlier in the year around XX/XX/XXXX, I discovered that Cash App was involved with the disappearance of large sums of money from my account. I reported to my bank as well about numerous transactions that I did not authorize, they told me that " Since the transactions were completed online under my username and password that I must have given my information put, therefore that couldn't help me ''. I contacted a Detective from our local Police, no assistance, I have even contacted our State Attorney General, no help. I had given up until I read the article in XXXX magazine and although I don't have much hope left, I have to try. The amount of money is over XXXX. I have the emails, I'm attaching. I also have the email address, phone # and address of the individual who fraudulently took over my account. It is : XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. PLEASE, if you can help me I would be grateful.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Product: Credit card or prepaid card

FOR THE LOVE OF XXXX CFPB - WILL YOU PLEASE AUDIT THIS RIDICULOUS " BANK ''!!! 

NOW - I am seeking your help with my XXXX 's card ALSO ( regretfully ) managed by Synchrony Bank. 

I made a payment online on XX/XX/XXXX, FOR MY FULL STATEMENT balance. That amount CLEARED my checking on XX/XX/XXXX. 

Today on XX/XX/XXXX the Synchrony site shows NO PAYMENT MADE, LATE FEE APPLIED!!! 

I have complained to you about this " bank '' regarding IMPROPER and UNFAIR payment processing by this " bank '' as they also manage credit for XXXX 's, XXXX, and XXXX, that I have accounts with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to investigate and remove incorrect information on my credit file. 


1. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX The account status should be pays as agreed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this account or provide validation information. 

3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

his Person ( XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. As a financial institution, as defined under the Gramm Leach Bliley Act Bank of America failed to perform their obligation to respect and protect my privacy. Bank of America failed to provide me an adequate opt out notice and Ive NEVER granted Bank of America any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Bank of America actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Bank of America breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Bank of America to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Bank of America is required to comply with this opt out notice upon receipt and comply with the follow
Product: Credit card

On XXXX XXXX it shows a Walmart credit card with Capital One on it for the amount of XXXX, XXXX preapproved with an additional XXXX. 

I currently have three Capital One cards, which I have paid on time with no late payments.I called Capital One and asked about this card to see if this was just an advertisement. The agent told me it was for new card services. 

I have a business card for XXXX with Capital One. 

Capital One and XXXX XXXX conducted false advertisement practices by offering a preapproved amount. They ran my credit and approved me for {$300.00}. 

I immediately called Capital One and spoke with a Supervisor. I requested that this account be closed and the inquiries be removed from my credit report for False advertisement.

I have a copy of the advertisement. It does not show upon credit approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested all three credit reporting bureaus for the dispute on my credit reports. I have a mixed credit report with my brother so I sent all documents needed for the dispute. It has been more than three months since I submitted the request via mail. XXXX already made an dispute but I have not heard anything from XXXX  and Transunion.
Product: Credit card or prepaid card

At approximately XXXX on XX/XX/16 I received a credit alert that I had a new inquiry on my credit file. I immediately call XXXX and XXXX to place fraud alert on my file. I next called Capital one to advise of fraud, they as well cancelled card and placed a fraud alert against any new applications with my SS #.
Product: Credit card or prepaid card

List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report that arent associate with my name XXXX XXXX or my address
Product: Credit reporting or other personal consumer reports

I want to make a compliant for Experian Credit Breau My address is inaccurate I never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX NY XXXX XXXX can send over a police report to prove this address is fraudulent. I will upload my License to prove this information. 
My name has never been XXXX XXXX. I can update my social card to prove this information. 
I've never rented an instrument XXXX XXXX Account XXXX in XXXX, FL XXXX under XXXX XXXX. This is fraudulent and due to it being {$480.00} which is under {$500.00} they said I can not file a police report. I will upload my license and SSN to prove my name. 
This is fraudulent under my name I never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, Account XXXX ... XXXX XXXX XXXX the current amount is {$2600.00}. I have reached out through phone and certified mail. They have yet to respond to my second notice. 
Lastly, I have reported Account XXXXXXXX XXXX XXXX XXXX, because they have violated my rights. I never received a response from them. 
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681, specifically Section 604 ( a ) ( 2 ). This provision grants me the right to privacy and stipulates that a consumer reporting agency can not disclose account information without my written consent. Furthermore, under 15 U.S.C. 1666b, a creditor is prohibited from treating a payment on a car loan account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

We do not escrow either insurance or property taxes. We have never escrowed I or T for the loan on this property. Without informing us, PNC bank paid our property taxes more than a month early. When we paid our taxes the day before they were due, we were informed by XXXX County that PNC paid them. After XXXX telephone calls PNC finally asked the county for a refund and our check was accepted. The reason we insisted on payiing is we did n't want the escrow that would result for last year and this year 's taxes ; more that {$430.00} per month. 

Subsequently, we received our XXXX XX/XX/2016 mortgage interest statement from PNC. The PNC contained several errors. The mortgage interest amount was wrong ; it did not include our last payment 's interest even though the remaining principal amount shown did include our last principal payment. The escrow balance showed a negative {$5100.00} and the taxes paid showed a positive {$2600.00} even though PNC had received a refund of the taxes it paid. We have not yet received a replacement XXXX which will likely cause us to have to file and amend our taxes for 2016. Trying to get this resolved took another phone call. 

Finally, we received in the mail on XX/XX/XXXX a statement from PNC stating in part " We 're concerned about your recently missed payments ... .. '' We have never been late with a payment. Another phone call. I was told that we are current. The mailing was " computer generated because of all the adjustments made to our account. '' What adjustments? 

I am deeply concerned that this latest computer snafu will impact our credit scores and future ability to borrow money for a car or obtain a credit car.
Product: Mortgage

While applying for a refinance loan, I was informed that my loan was modified to a 40 year loan.  I know that I would not have ever modified my loan to a 40 year term.  I contacted my loan company XXXX  XXXX  XXXX and they informed me that it was not modified through them it was with the prior company Bank of America.  XXXX XXXX   XXXX gave me what they have regarding the loan modification and it was one page (see attached).  I contacted Bank of America about two weeks ago and they said that they would submit a request to send me a copy of the loan modification.  I have not received any copies at this time.
Product: Mortgage

SPS select portfolio servicing loan is delaying my mortgage statement for three months and has billed me for late payment fees and I have never been late or missed a payment. This has given a hit on my credit report for providing falsifying information. My payments has been timely and never late for the 18 years and I will not be forced to sending monthly check payment.Today is XX/XX/2021 and I have not received any XXXX statement and I have already mailed the bill as noted and provided the check date.i am an federal employee and I do not need bad, lying reports on my credit history. With a complete investigation it will be determined that this servicing company is attempting to defraud its consumer by reporting falsifying information.
Product: Vehicle loan or lease

This loan amount needs to be removed as this vehicle was purchased from a buy here pay here sales company and sold without my permission in writing. Fraudulent sharing of my information or approval. This is preventing me from getting credit approvals and I don't have this vehicle.
Product: Credit reporting or other personal consumer reports

EXPERIAN says I have no credit history. XXXX years ago I had an extensive credit report as a XXXX XXXX XXXX. I have had mortgages, credit cards, loans etc. I have a hard copy of the correct report from XXXX years ago, but since then Experian has claimed I have no credit history. 

I have talked with them several times to starighten this out. I reached a third level supervisor and he said he had my full report going back XXXX years and that the problem had been fixed. 

But the next time I tried to look into my Experian credit report, they said I had no credit history. Same thing happened at a car dealership when they checked with Experian. 

I would like my credit history to correctly reflect my history.
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 that tracking these transactions was unfeasible. The CFPB 's findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft. Unauthorized credit inquiries have been made on my credit report without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following inquiries from my credit report : Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent money to XXXX {$50000.00} ( to help my nephew buy a house ) from branch of Bank of America, XXXX XXXX XXXX XXXX, XXXX, OR XXXX My nephew 's contract for the purchase of the house ended on XX/XX/XXXX.The representative of the bank, XXXX assured me that the money will be received no late thanXX/XX/XXXX. XX/XX/XXXX, I flew on vacation.During the vacation, I constantly checked the account online, but the information was only : '' processing '' .After XXXX I tried several times to call my bank branch, but could not connect with XXXX , which made my transfer, to get explanation. 
I returned from vacation on XX/XX/XXXX and went to the bank. XXXX explained me that the XXXX XXXX XXXX XXXX  XXXX need : date of birth, place of birth, passport number, National identifier, profession, country of citizenship and economic purpose of payment of my nephew. I gave them everything and transfer was send onlyXX/XX/XXXX.

If they were for me to demand this information immediately after I made the money transfer, or a few days after I would not have lost {$2000.00} dollars which had to be paid to sellers for moving the transaction on XX/XX/XXXX.

By the way, when I checked my bank on vacation they sent me advertising of various banking products to my account, but there was no information they need to complete a transaction. 
I ; m a valuable customer for the bank.On my account there is always a balance of {$70000.00}. In addition, the bank processed a lot of my money for 12 years while I'm a customer of BA. 
Therefore, I demand compensation of {$2000.00} for this issue. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Drive time aka Bridgecrest, on my credit report for XXXX, they keep updating it as repossessed every month making it look like I have a new repossession. On my XXXX credit report, they indicate that I had a high balance of XXXX in XXXX  which is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is continuously reporting unverified, inaccurate, negative information on my credit report, pertaining to XXXX XXXX XXXX. 

TransUnion has failed to investigate / reinvestigate this negative information, and has refused to provide the method of its investigation. 

The information is inaccurate, unverified and I'd like it to be removed from my credit report, immediately.
Product: Money transfer, virtual currency, or money service

PayPal has placed a limit on my account. I've sent documents, fro ID, Account Statements and Bank Statements,. to resolve all their issues, and they told me I was no longer able to do business with them. 
I was questioned because a scam was trying to raid my account and I reported it, and this was the result. 
This was done on E-mail XXXX. I tired to go around it with a new E-mail address of XXXXXXXX XXXX XXXX and that was blocked.
Product: Credit card or prepaid card

I did not even know about this card until i got a bill in the mail. Then i did some research. It appears someone somewhere has a credit card in my name. This account was closed on XX/XX/XXXX with a {$0.00} balance. Then it was reported {$950.00} due on XX/XX/XXXX. So who had this card if i never knew about it?
Product: Debt collection

This complaint serves as a formal notification that failure to block the specified accounts on my report will result in legal action. I have apprised my legal representative of my intent, and they are prepared to hold you accountable for willful noncompliance, currently constituting multiple violations of FCRA laws. My attorney, having successfully litigated against your organization in similar cases, is optimistic about the potential outcomes and damages involved. While I prefer an amicable resolution due to the simplicity of the remedy, please do not mistake my leniency for weakness. The consequences for your non-compliance could be substantial. Consider this your final warning. I insist on the immediate removal of the items specified in my fraud report, as detailed below : XXXX XXXX XXXX XXXX.