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

I have been a victim of identity theft since XXXX  when my information was stolen and sold to others. I have had numerous people attempt to live in apartments in my name and successfully do so. I then have to deal with the collectors and the consequences that falsely affect my credit, my time, and my sanity. This is despite having a police report and a drivers license, a social security card, etc to verify my actual identity and to confirm I have never lived in the apartments that I am repeatedly reported to have lived.

My credit is tarnished due to your misinformation and unwilligness to expediently resolve this situation. You further the harm against me as a consumer when reporting this innacurate information while neglecting to protect me or follow the instru
ctions under my account information. I will continue to exercise every legal avenue to the fullest extent to ensure you compensate me for the damages you continue to cause me. 

I have never lived at XXXX XXXX  at XXXX. I do not owe them anything. Your information is incorrect and this is the seventh time I have asked for remediation.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX  account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX  ( COVID19 ) pandemic during the covered period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Debt collection

My identity was stolen on XXXX. One of the resulting charges was for a Home Depot not even in my state. I filed, contacted each company and worked all this out. Now XX/XX/XXXX XXXX is calling telling me I owe this debit and they've been hired to collect it. They, a woman named XXXX, said I owed {$2400.00} to Home Depot from XXXX. I explained to her exactly what happened and she said " these people have your name, DOB, and social. " I will email the form needed to file fraud charges. '' They have continued to call via recording left on my voice mail that they are trying to collect a debit. I have contacted the company XXXX, Home Depot, who says I've never had an account with them and I'm not in their system, and the XXXX XXXX XXXX XXXX department to file again. I have called XXXX multiple times never returned my calls or sent me an email or letter in the mail. This makes me feel that certain someone is using my identification fraudulently but has started again since recently my bank acct was recently hacked and this is all connected to XXXX XXXX XXXX. I asked for a cease and disisst for calling me and informed of XXXX Complaint, contacting you, put me on your do not call list, and I've filled the police report I believe these are connected and pray for relief. 
XXXX XXXX
Product: Credit reporting

I disputed an item on my credit report with Equifax. I received an email that I can view the results of my dispute online. this dispute was by mail. I never received the result by mail and the only thing I am able to see is a number XXXX and that it was completed on XXXX/XXXX/2016. A screen shot of this is attached. I have no idea what the results of the dispute are and have gotten nothing. The dispute and attachments are also attached.
Product: Credit reporting or other personal consumer reports

Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or create these accounts and have no knowledge of their source. As per USC 1681g, I formally request their removal within XXXX days. Relevant documents are provided for your reference.
Product: Mortgage

The attached documents show a payment returned, along with a note inside stating something about a check taken. It's not my loan number but was in my letter attached. 

I'm not sure what you want me to call it since I've tried for almost a year to get you to stop this nonsense. so the all is yours. It's criminal. Fraudulent. what more do you need to open the other door to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to open bank accounts and kept getting turned down was because of reports on checksystem so I contacted checksystem and said someone has opened accounts in my name and different ssi number and told me to contact you to get help
Product: Bank account or service

I contacted Bank of America about how their mobile app does not reflect the current balance. They charged me an overdraft fee for my account when it was not overdrawn. I went through the balance with the representative and she saw the error and still would not refund the fee due to I have already been issued a refund in the past. I advised her that it was due to the same issues. They continuously charge overdraft fees but the account balance online does not reflect the balance within their system. As I was reviewing the charges with the representative she was giving a different balance that what was reflect online. Then I asked the representative how long do you have to pay the account up before the fee hits the account she stated XXXX eastern time. I advised her that I did not receive an alert until XXXX on XXXX/XXXX/16 and the few was already processed to my account so how am I supposed to review the account and make it current if the fee has already been applied. There is only XXXX Bank of American and the ATM does not accept cash deposits all the time.
Product: Bank account or service

I set up recurring automatic payments for a credit card and line of credit account with Wells Fargo Bank, but their system did not register this and two months later, I received a call my account was in collections for failure to pay. On the same day I set up the recurring payments with this bank, I set up recurring payments with XXXX other banks I have accounts with, and those have processed successfully.
Product: Money transfer, virtual currency, or money service

identity you and your account. 
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 that 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: Money transfer, virtual currency, or money service

XX/XX/XXXX I was tripled charged when trying to deposit only {$2500.00}. Had to call my bank to cancel the extra two charges to not be overdrafted. Now my account is lucked and so are all my funds on Coinbase. 

Issues were with extra charges. 
deposit # : XXXX deposit # XXXX
Product: Debt collection

I have have contacted this company to request the verification of the negative items they are reporting. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I have requested " ALL '' of the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide your license to collect in my state and your registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account. They are listing the items in question to credit bureaus from : XXXX XXXX This company has `` FAILED '' to provide me with " ALL '' of the items requested above. They have also repeatedly harassed me by phone, mail, and have had individuals show up at my home in attempt to serve me with a lawsuit. I have never gone into a signed agreement or contract with this company and do not owe them for any debt.

Additionally I am in complete distress due to them violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided this company, the credit bureaus or the banks/companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now.

I am requesting that they discontinue reporting and remove/delete all negative information that they have reported/are reporting to the credit bureaus in regard to the companies listed in this complaint, and for any other companies that they might have associated with my name and/or social security number. I'm also requesting that they stop all phone calls, texts, email, direct mail, social media direct messages, stop sending individuals to to my home and/or work to serve lawsuits and/or collect debt. I would like all forms of threats, and communication to stop immediately. 

Best, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone hacked into the XXXX account of a friend of mine, posing as her, she asked me to transfer {$740.00} to another person, because her Zelle was limited. The alleged person had the supposed name of XXXX XXXX and requested money to send to her email address : XXXX. I have photos of the exchange of message through. XXXX, with the hacker. 
I called to Zelle, a representative named : XXXX, told me they can't return the money. My question, who is possible that a scammed financial transaction be reported in a USA financial institution, in this case Zelle, which is the only institution who have all the information where the money goes and they can't get the returned money? It is unacceptable and Zelle do not solve this big problem, Zelle will become a haven for hackers and scams, if so, I will make it my personal goal to report them until Zelle disappears or fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to get all three of my credit history from XXXX  XXXX  Experian and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to
Product: Vehicle loan or lease

I HAVE MADE ATTEMTS TO CONTACT FINANCE DEPARTMENT AT CLAY COOLEY XXXXXXXX XXXX XXXXXXXX AND HAVE NOT HAD A RESPONSE. I WAS FORCE ( TOLD I COULDNT GET FINANCING UNLESS I PURCHASED A {$3500.00} EXTENDED WARRANTY ) ALSO FAILED TO GIVE COPY OF CONTRACT AND EXTRA KEYS
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been a victim of fraudulent activity or identity theft, as revealed by a thorough examination of my credit report. In XX/XX/XXXX, I discovered an account opened in my name with an incorrect birthdate of XX/XX/XXXX, while my actual date of birth is XX/XX/XXXX. Considering this discrepancy, I was a minor at the alleged time of account opening, being only XXXX XXXX XXXX. 

Moreover, I need to report another instance of fraud involving a maxed-out XXXX credit card, which was unlawfully opened without my knowledge or consent. Additionally, I have uncovered XXXX attempts to open new lines of credit using my social security number. Some notable examples include the following inquiries : XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I am greatly concerned about the potential consequences these fraudulent activities may have on my personal and financial well-being. I seek assistance in resolving these issues and implementing appropriate measures to safeguard my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX OPENED XX/XX/XXXX CHARGE OFF XX/XX/XXXX REPORTING PAST DUE AMOUNT
Product: Credit card or prepaid card

XXXX   XXXX  I was th e victim of identity theft / credit card fraud. I pay for the identity theft and monitoring service through USAA as well and followed all directions provided as well as all requested from USAA ban k. Provisional credits were issued on both my affected credit cards and checking account.     However, on  XXXX  card the charges were charged back to me, only to be credited back yet again. At which time  USAA  sent documentation that all credits were permanent. However, a year later in  XXXX   XXXX  without notice, explanation, or even contacting me to t ell me USAA  decided to charge back only  XXXX  of my affected credit card accounts for the finalized fraud/billing dispute a year prior. This is in violation  of Paragraph 13 ( c ) ( 2 ) of Subpart B 1026.13 ( c ) ( 1 ) Effective D ate :  XXXX / XXXX / XXXX  of Regulation Z.
Product: Mortgage

I contacted Citibank about refinancing my mortgage. I was given a rate which would be locked in for 60 days. I was given a list of documents to submit. I scanned and sent the documents. As these were being reviewed, I would get more requests for various information, which I continued to submit. I paid for a an appraisal of my home which was set up thru the bank. I continued to respond to the requests for more information. Seven days before the end of the rate lock, Citi is still requesting more information. We are are now at day 70 and the staff that was working with me is on vacation. I have no idea if I was approved or not for this loan. This loan should have closed weeks ago.
Product: Credit card or prepaid card

on or about XXXX some one embezzled {$4900.00} from my XXXX. I then immediately reported the incident to Bank Of America and filed a claim. On XXXX I filed a police report. Bank of America said it's going to take 60 to 90 days to investigate. I have called them almost 24 times up to today 's date. Every time I call them they would have an excuse saying, its still pending, or they lost something and we have to file a new claim, just excuse after excuse. 
Meantime my money is not in my account.
Product: Debt collection

I have a medical debt from 2015 in collections for the amount of {$490.00}. This amount was paid by my insurance company in 2015 and the collections account is a mistake. I have disputed the account on my credit report several times, but XXXX XXXX andXX/XX/XXXX refuse to remove it. The account is with MERCH & PROF COLL BUR XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Payday loan, title loan, or personal loan

Got approved for a XXXX loan in XXXX of 2017. My payback was XXXX monthly starting in XXXX. My pay off amount is about XXXX - XXXX. I asked to pay of the loan because nothing is being applied to the principal it all going to the interest. They keep telling me I cant I have to pay the full amount. There was nothing stating the interest rate. I dont have a problem with paying back the XXXX beings though I have already made 6 payments in the amount of XXXX but they will not go for it. This place is a rip off and I have already ask them to stop taking payments out my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was analyzing my credit report and noticed some hard inquiries via XXXX and TransUnion that I do not recgonize and that I do not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Fed Loan services continue to furnish late payments multiple times on the loans. The account was updated on XXXX  and XXXX however, not XXXX. Requesting an update in payment history. This negative reporting continues to compromise credit scores.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Remove all accounts reported
Product: Money transfer, virtual currency, or money service

I accidentally sent money to the wrong e-mail address using PayPal on XX/XX/XXXX. I have made multiple attempts to reclaim my money and still have not received {$91.00}. 
My neighbors daughter was born XXXX in XX/XX/XXXX. She had some emergency XXXX XXXX in XXXX and our friends were preparing for long term medical care at the hospital. We wanted to help out and give some money to an account their friends setup. 
I sent a {$500.00} payment ( {$91.00} from a credit on my PayPal account and {$400.00} from my credit card ). I accidentally sent money to the wrong e-mail address, missing two letters in the address. I immediately realized my mistake and called PayPal immediately, but it was after their office had closed. I tried to recall my money through my online account, but there was no option for accidentally sending to the incorrect e-mail address. I picked the option that fit the best. I called PayPal and talked to their refund department the next day and they recommended I wait to see the result of the claim. The claim was quickly denied ( XX/XX/XXXX ) and I called again. The representative submitted another claim for me with the proper details. That claim was denied on XX/XX/XXXX. I called PayPal again and the girl I talked with recommended that I file a dispute with my credit card company and said that once they refund the purchase, the entire transaction would be refunded. 
I opened a dispute with the credit card company on XXXX and they resolved the dispute and refunded {$400.00} on XXXX. I called PayPal fairly soon after that to confirm the full transaction would be refunded and they assured me the money would be automatically refunded once the dispute result was settled in Paypals system. After several weeks with no refund to my Paypal account, I called Paypal again. Paypal claimed not to have any control or ability to refund the money. The e-mail address the money was sent to returned a couple e-mails and phone calls and claim to have no control of or access to the money. He said PayPal pulled the money back as soon as the credit card company dispute investigation started. I have copies of the e-mails, bank statement, and case e-mails. 
On top of that I called one last time, XXXX and talked with XXXX at PayPal. He challenged the facts of my case and was extremely rude. 
Ive received {$400.00} refunded from the transaction only through my credit card company.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed XXXX  inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX