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

I have disputed an inaccurate 90 day late on my credit report. I provided XXXX  monthsXXXX XXXX months prior to disputed date and XXXX months after, worth of bank statements that all show the AUTOPAY, XXXX payment was made on time every time yet they creditor, Office of attorney general, continues to validate the non payment even tho I have proof otherwise. The credit bureau will not provide me with documents creditor used to uphold the dispute as I believe they are required by federal law to do. And why does this third party take the word of creditor over visual evidence to the contrary??
Product: Money transfer, virtual currency, or money service

I need my Zelle to be unblocked or unrestricted for email XXXX and for phone number XXXX please unblock both and unrestricted them and remove them from them account on Zelle and XXXX both of them so I can use both of them at my new bank at XXXX XXXX they tell me to contact yall to get it unblocked or restricted and please look at the screenshots of the issue I am facing with XXXX XXXX Zelle enrollment etc and if yall cant enroll them or unblock it or restrict it please tell me what bank have blocked it or restrict it etc?
Product: Debt collection

I recently received a copy of my credit report and noticed some erroneous items on my credit reports. Focused Recovery Solutions is handling the collection of the accounts mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Focused Recovery Solutions and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Focused Recovery Solutions entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Product: Credit card or prepaid card

I had filed an original complaint regarding US Bank Relia Card ( XXXX ) regarding unauthorized transactions. Someone had stolen my Relia card and made two purchases using my card. One from XXXX  in the amount of {$850.00} and One from XXXX in the amount of {$230.00}. Both transactions occurred on the same day ( XX/XX/20 ). After numerous phone calls I did receive reimbursement for the XXXX  transaction however I never received reimbursement for the XXXX transaction. The response letter from US Bank Relia Card that you received for the prior complaint ( XXXX ) states that they did refund me {$850.00} for the transactions. This is not correct. It was for one of the transactions. I have yet to receive the {$230.00} for the second transaction. I have called the bank numerous times only to be told my case has been closed and all monies refunded. Again this is incorrect. I am still owed {$230.00} for the unauthorized XXXX transaction. I filed a report with the XXXX XXXX Police Department in XXXX, PA the same day that my card was stolen and they have both transactions listed in their report with the unauthorized amounts.
Product: Checking or savings account

On XX/XX/2022 I used a check from my checking accounting to pay my daughter 's credit card of {$300.00}. On XX/XX/2022 I received an email from assistant branch XXXX XXXX XXXX XXXX New York Community Bank XXXX Amtrust Bank location : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX asking me to please call her about a check. I ask her what check in the email. She refused to answer. On XX/XX/2022 she reversed the payment to the credit card. 
This is not the first time this lady has inconvenience me as a customer. XXXX has engaged in stalker like behavior since I took out my account. Every time I walk in the Bank one foot in she will jump up and say " no, no I will deal with her ''. She will constantly call me and email me when I do banking with my account basically telling me I would have to get her permission to do any transaction. She also shut down my debit card. I am XXXX XXXX XXXX and have been subjected to elder abuse. I'm tired of it. She watches my account on a daily basis and sometimes in the past when walking in she will mimic to me my transactions. Due to her harassing behavior in the past of constant calls and in person harassment I withdrew a large sum out of this bank to deposit in another because she was watching my account on a daily basis. XXXX XXXX refused to stop to the point where I stop going in the Bank in fear she will have someone to rob me. 
This event to reverse payment of a bare {$300.00} was insane and I believe this lady XXXX XXXX is engaging in elderly abuse and fraud. I have been victimized by her behavior and feel she only treat the XXXX customers like myself like this. She is over monitoring my account for small transactions and creating havoc. She is also telling me I can not do banking without her permission. 
Enough is enough I will like this women to seize all correspondence to me. She is harassing me. this was not a {$10000.00} or {$20000.00} to say it is reasonable for a branch representative to call me and stop payment. This was {$300.00}. If there is any fraud on my account I will report it to the Bank. She is treating me differently than the XXXX customers. She expect me to gain her permission before I do any transaction with my money. 
Tell this lady to STOP and SEIZE all contact. 
On XX/XX/2022 I called her at the Bank and ask her why did she do that. Reverse the payment. She admitted to knowing my daughter whose credit card I paid so why did she reverse the payment. She has caused my daughter 's account to incur fees and she should be responsible for paying this. I also want them to submit the payment back to the credit card for payment.
Product: Debt collection

I am a victim of identity theft, and my personal information has been used without my authorization to open multiple fraudulent accounts. This has resulted in financial loss, damage to my credit report, and significant distress. Below are the fraudulent accounts identified : Credit Card with CB VICSCRT Fraud began : XX/XX/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. These fraudulent accounts and inquiries appear on my credit report, causing financial and reputational harm. 

I have reported these incidents to the Federal Trade Commission ( FTC ) under Report Number XXXX and am seeking assistance from the CFPB to ensure that all fraudulent accounts and inquiries are removed from my credit report, and that my rights as a consumer are upheld. 

Rules and Laws Pertaining to Identity Theft : Fair Credit Reporting Act ( FCRA ) Consumers have the right to dispute inaccurate information on their credit reports. Credit bureaus are required to investigate disputes and correct or remove fraudulent information. Victims of identity theft can also place a fraud alert or credit freeze to prevent further unauthorized activity. 
Identity Theft and Assumption Deterrence Act ( 1998 ) This law criminalizes identity theft and provides for the prosecution of offenders. It also outlines the rights of victims, including the ability to seek restitution for financial losses. 
Fair Debt Collection Practices Act ( FDCPA ) Protects consumers from unfair or deceptive debt collection practices. It ensures that victims of identity theft are not held liable for debts resulting from fraudulent accounts. 
Gramm-Leach-Bliley Act ( GLBA ) Financial institutions must protect the confidentiality of consumer information. The misuse of my information suggests a potential lapse in compliance with these regulations. 
Federal Trade Commission ( FTC ) Enforcement The FTC provides guidance and recovery plans for victims of identity theft through its IdentityTheft.gov platform. I have followed these steps to report and begin resolving the matter. 
I request that the CFPB investigate this issue and work with the affected creditors and credit reporting agencies to ensure compliance with these laws. It is imperative that the fraudulent accounts, unauthorized charges, and inquiries are removed from my credit report, and that I am not held responsible for any debts arising from these fraudulent actions.
Product: Credit reporting or other personal consumer reports

I received my credit report and found out that someone opened a credit account number XXXX with XXXX XXXX  online using my name, date of birth and social security number. 
I didn't open this account and don't have anything to do with it. I called XXXX XXXX  and filed a complain on XX/XX/2024 at XXXX XXXX. They closed the account but it has a balance of {$4200.00} This damaged my credit score a lot and I also filed a complain with the 3 credit companies. 
I received the result from XXXX as follows : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. '' I placed a freeze initiated a fraud on my account. I also filed a police report with XXXX Police Department and filled a claim on www.identitytheft.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous complaints for XXXX and XXXX also trans union to remove items from my reports. I even filed reports with the ftc.gov. and fraudulent items still seem to appear on my reports
Product: Credit card or prepaid card

I scheduled my monthly payment around XX/XX/17 for XX/XX/17 when it was due. On XX/XX/17 I see it did not come out of my bank account. I reschedule payment for today ( it is around XXXX ). I contact 'chat ' with XXXX and they are no help. I am now being charged a late fee for a problem with their system where my payment was deleted.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was deeply distressed to find several items that are unverifiable, invalid, inaccurate, and questionable. It is clear that your agency has failed to ensure the absolute accuracy of the information being reported.

According to the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), these accounts are in direct violation due to their inaccuracies.

Immediate correction is required. I am attaching copies of all relevant correspondence for your review.
Product: Credit card

1. I was told when checking-out at Home Depot that if I signed up for a HD credit card, I would get 5 % off every time I shopped there. I would need to follow-up and sign-in online to fix my settings so I would get that 5 % credit to my statement. 
2. I proceeded to get the card and shop at Home Depot ( HD. ) I did not receive 5 % off. I signed in online but I was not able to find a 5 % off benefit anywhere. 
3. I called in to the card 's phone number to express my concern. After being escalated to a manager, I was told that the 5 % off was not a card benefit, but a store benefit, so I would need to speak to the store manager. This was on XXXX XXXX. 
4. I went in to speak with the store manager on XXXX XXXX who told me that, yes, I could get 5 % off, but I would have to inform the cashier each time I checked out. 
5. I proceeded to shop, and when I checked-out, I told the cashier I wanted to get my 5 % off. He tried to get the discount, but was unable to because he said there was a glitch in the system. He shrugged his shoulders and said 'sorry. '6. I called in again to cancel the card and expunge the record of having an HD credit card from my credit history. They refused.
Product: Checking or savings account

Hello, I was calling a lot to this company " Marcus by Goldman Sachs '' ( XXXX XXXX ) since opened the Savings account. 
I told the lady who answered my first call with very bad mood that she should be well educated first on how to response a customer. I felt offended as I am not a native person speaking XXXX. 
So I tried to close the Savings account and get returned my money back. 
They stopped twice and told me that it was a fraudulent activity from my side and block the online access. 
I received emails saying that my XXXX account was closed and I never received any other information regarding where is my money. ( over {$10000.00} ) I called so many time and they denied my on-line access even I told them they are doing such illegal thing to me. 
Should I be treated like this because just I am an XXXX XXXX XXXX XXXX
Product: Debt collection

I was notified via letter on XX/XX/20 that XXXX XXXX XXXX would be garnishing my wages by 25 % beginning XX/XX/20. I called them immediately on the XXXX, I got an approval to settle the debt in whole for {$1600.00}. I went to the bank immediately, procured a cashier 's check, & XXXX overnighted the check. The check was received on XXXX PST on XX/XX/20. Today, my check from work was garnished anyway. When I requested assistance from the company for seizing my assets after they settled my debt, they told me they had done their job and would not assist me in recouping my money.
Product: Debt collection

Santander took and sold my car against my will in XXXX. I've reached out several times to see who it was sold to and how much it was sold for. I've never received the proper disclosures pursuant 16 cfr 433.1. I do not agree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been diligently working on my credit since XXXX of 2019. I have been in a hardship since the COVID -19 and have contacted all 3 bureaus in reference to the erroneous and inaccurate information on the accounts that were damaging my credit. I was also enrolled with XXXX XXXX and they have charged me {$130.00} for the past 3 years and my credit score just kept going down hill. I have spoken to XXXX over at XXXX customer Service dispute team in reference to the erroneous information and derogatory information that was reported. I am in a very distressed period of my life during this new season of the COVID-19. My business has dropped and my bills are piling up but I have been paying and trying to keep my credibility in good standards. The 3 bureaus have been a thorn in my foot since they are charging for credit reports and they are violating all of my rights as a consumer. I would like an investigation on my credit reportsXXXX XXXX Experian and XXXX. I am very stressed in reference to my reports. I take my credit very serious.
Product: Credit card or prepaid card

I recently reviewed a copy of my credit report. I was shocked to learn have became a victim of identity theft. I found numerous accounts on my report that were not opened by me. This has been very difficult time as I am in the process of purchasing a home for my family. Please remove these accounts as soon as possible.
Product: Credit reporting or other personal consumer reports

I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies.
Product: Debt collection

this is on my report and it isnt mine and i never gave permission for anything
Product: Mortgage

In XXXX of XXXX Truist Bank stopped sending me my monthly statements. On XX/XX/XXXX I received a notice from Truist that my account was in default and I had 30 days to pay the due amount. If payment wasn't made then they it may become necessary to accelerate the full amount of the loan. On XXXX of XXXX, I received a Notice of Intention to Foreclose from Truist 's attorneys XXXX XXXX  XXXX. I subsequently contacted their attorneys and they recommended I apply for loan modification. I contacted Truist Bank and requested an application for a loan modification. During my conservation with XXXX from their Loan Modification Department she didn't mention that if I was 120 days late with my payments that I would automatically ineligible for a loan modification. I applied for the loan modification in XX/XX/XXXX and 2 days later XXXX called me and verbally told me I was denied because I was more than 120 late with my payments. I asked her to send me the denial in writing with any loss mitigation options available to me. I was sent a denial but no written explanation or other loss mitigation options. I emailed their attorney requesting my monthly statements be sent to me as well as reinstatement amount and full amount owed on the loan. The attorney did not respond. I let my HUD counselor know that the attorney wasn't responding to me. My HUD counselor emailed their attorney asking for the items I requested and the attorney responded to him. The attorney subsequently sent me the reinstatement amount and the full amount owed in the loan but not my monthly statements. This is a violation of Regulation Z of Truth and Lending Act. Truist Bank told me that since they initiated foreclosure ( XX/XX/XXXX ) and turned my file over to their attorneys they can stop sending me monthly statements. They stopped sending me statements in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following items on many different occasions and I still have not gotten a response yet. It has been more than 60 days since my dispute and nothing. So I am asking you for your assistance in getting the following items removed from my credit file. 

Incorrect Names : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Transunion ) Incorrect Names : XXXX XXXX XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX ( XXXX ) the following late status is incorrect : XXXX - I was never 30 days late in XX/XX/XXXX 1. XXXX XXXX - I was never 90, 120, or 180 days late from XX/XX/XXXX- XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX XXXX. XXXX Loans- I was never 90, 120, or 180 days late from XX/XX/XXXX - XX/XX/XXXX or XX/XX/XXXX - XX/XX/XXXX Ally Financial - I was never 30 days late in XX/XX/XXXX XXXX- I was never 30 days late in XX/XX/XXXX XXXX/XXXX - I was never 30 days late in XXXX - XX/XX/XXXX ; XX/XX/XXXX The following items do not belong to me ( Fraud Account ) - XXXX XXXX ( Transunion And XXXX ) - Bal : {$1600.00}
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections XXXX are being challenged XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

PLEASE DLEETE THE FOLLOWING ACCOUNTS AND INQUIRIES NOW THANK YOU XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX. 
. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX U.S. Bankruptcy Court Account Number : XXXX Federal Account Number : XXXX Federal Account Number : XXXX Federal Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Case Number : XXXX. 
XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX