23daVinci/CFPB_Complaints huggingface dataset:
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 how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of inquiries that do not belong to me as they are fraudulent. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. The disputed items are as follows : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Date : XX/XX/2022 Amount : XXXX dollars ( XXXX + XXXX ) Actions : Made two appeals I made my prior appeal to the bank after first urging the " pending, '' transaction to outright be canceled, the Navy Federal worker told it was possible to do that ( Remember this fact ) but I should wait a couple of days for it to go through, get a new card and make the transaction because my story seemed true. I was given a provisional credit and after a month, I was sent an email saying my transaction was denied. I was not given a specific reason in the e-message but that it was rejected on the basis of my account history, transaction details and " discrepancies, '' between the claim and my account. Confused, I called for an explanation and they told me on the phone that it was because it was consistent with my account ( I have never sent anyone more than XXXX in the past year or even XXXX ever ), transaction details ( Addressing my facial ID, in which I told them that I willingly sent this stranger who was asking me for money XXXX, was told the money did not send then to be nice just doubled it to XXXX ) and they could not explain these " discrepancies, '' I was switched over to the fraud department and a lady told me to send pictures of all my apple transactions, proof I did not know the person and explain the token issue. I explained and she told me out of her mouth that " I should get the appeal with all the evidence I brought forth. '' I wait another month and yesterday I sent an e-message to Navy Federal that my investigation is not being taken seriously then they replied less than XXXX hours stating my appeal has been denied again without explanation.
Product: Money transfer, virtual currency, or money service

There's a person that works for XXXX that keeps hacking my account transferring money that doesn't belong to them and his name is XXXX XXXX bonds and a couple more people as well please help me figure out and stop this person he's a crazy ex boyfriend
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, Account Number # XXXX, XXXX XXXX XXXX XXXX, Account Number # XXXX XXXX XXXXXXXX XXXX, Account Number # XXXXXXXX XXXX  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 15 U.S.C 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
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's mishandling 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 repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report XXXX hard inquiries that were not authorized. These inquiries are from XXXX XXXX  dated on XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  XXXX XXXX XX/XX/year>, XXXXa of XXXX XXXX XX/XX/year>, NXXXX XXXX  on XX/XX/year> XXXX and XXXX XXXX XXXX XXXX on XX/XX/year> XXXX
Product: Debt collection

I was incarcerated from XXXX of XXXX til XXXX of XXXX a slew of medical debt was accrued on my credit report during that time. All have been removed except for Professional Finance CO from diversified radiology of color? for {$110.00} and {$350.00}. I have not been to or seen a dr since XXXX. Ive disputed it so many times now they wont let me dispute it no more. Since Ive been out working and paying my taxes whomever stole my identity is apparently still out working falsely under my name and going to hospitals under my name and etc. Its so frustrating. I cant get ahead with my credit when this keeps happening to me. Im now also having issues with XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX?? Wherever that is?? For : {$890.00}, {$840.00}, and another {$840.00}. Im at my wits end. I dont know what else to do? Plus on top of all that I somehow have over 30 or 40 inquiries on my account. Super duper bogus!! from XXXX XXXX til XXXX or XXXX Now apparently Im being punished and for my penance I unfortunately have to write each place and describe identity theft nd hope they comply and remove the false statements made against me. That also is completely unfair. How am I supposed to respect or legal system when it just keeps throwing me under a bus. I work hard and I work alot. KI do my best to pay my bills and keep a roof over my head, but i cant even have the ability to get a car loan or let alone a home loan. Seriously I mean over the top seriously frustrating and messed up. I dont know what else to do? Get a lawyer maybe and sue all the misplaced accusations against me? thatd cost me fortune. So now I am pleading to you for understanding, mercy and help. Can u help me? Will uhelp me?

sincerely, One desperate American, XXXX XXXX
Product: Debt collection

I honestly have no idea what happened and I just got this letter on XXXX XXXX and I am confused. This debt is from XXXX and when people sent me money it was through Family and Friends and it says Payment protection is not allowed for Family and Friends so why am I being charged because someone disputed the money they sent to me? I have no business account with the amount being owed I have a personal account so this is a scam!!
Product: Credit reporting or other personal consumer reports

I am having a problem getting my XXXX XXXX XXXX and consumer report from Early Warning Services. I want Early Warning Services to immediately mail me a complete copy of my Early Warning Services Consumer Report.
Product: Money transfer, virtual currency, or money service

My institution informed me that recovering my lost fund wasnt possible and I am expressing my concerns regarding the handling of Zelles disputes in light of CFBSs lawsuit and significant issues with the platform.
Product: Debt collection

Im filing a complaint against the company Affirm who have been negligent and deceptive. They have violated multiple consumer and federal laws. They have been reporting inaccurately on my credit report and harassing me saying I owe a debt. On my report its showing them as the Creditor when in fact I am the Original creditor according to CFPB Laws, a creditor is a person ( me ) and theyre reporting as the creditor.
Product: Debt collection

XXXX XXXX XXXX is a third party company who, brought off a XXXX XXXX XXXX XXXX Account from another 3rd party company from XXXX. The account is an old charge off from XXXX into XXXX with XXXX XXXX XXXX. Who XXXX XXXX XXXX, states on a letter sent out XX/XX/XXXX that XXXX XXXX XXXX XXXX is the original account owners. 
The 3rd party company in XXXX must have sold XXXX XXXX  the XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX in order for this attorney office Klima Peters & Daly Pa XXXX XXXX XXXX XXXX  to submit a threatening letter on a charged off account. 
The updated information on my credit report made it seem as if this is a brand new account but, its a charge off originated from another company. When I had no dealings with any third party companies in order for them to retrieve my social security number to update my credit report with their information. Which is a fraudulent attempt to collect a debt on a charged off collection account. The letter to receive monetary on an account that I never did business with their company nor has XXXX XXXX XXXX XXXX contacted me in three years to dispute these actions. It would be considered fraudulent to input on my credit report they were a collection company I had an account with as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  account number XXXX has violated my rights. 15 U.S.C 1681section 602 A, States I have the right privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have an account with Gemini XXXX and I sold my XXXX currency back in XX/XX/ and it was suppose to be available in cash so I can withdraw it. Its not allowing me to withdraw my money from the account. I want my money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I submitted a complaint regarding Transunion 's failure to properly investigate a dispute on my credit file ( XXXX  ) On XX/XX/ I received a letter from TransUnion in response to my complaint stating they were not able to process my dispute because they were not able to determine the nature of my dispute. This has been ongoing issue, with TransUnion 's ability to correct errors or false collections on consumer files.
Product: Credit card or prepaid card

on XX/XX/21 at about XXXX, I used my visa prepaid card to purchase {$25.00} of gas at XXXX XXXX gas station, but only received about {$14.00} worth of gas, I asked XXXX XXXX staff member for the difference back, and she said the difference ( {$10.00} ) will go back onto my card, but it did not. 

On about XX/XX/21 I called Blackhawk Network who manages the prepaid Visa gift card and told them the issue. 

On XX/XX/21 I submitted an overcharged dispute form to Blackhawk Network via email and other supporting documentation. They are currently repeatedly asking for the same supporting documentation or they will close my claim soon.
Product: Credit card

[ A few moments before the events in this complaint occurred, a person ( s ) purchased a smartphone sim card for an XXXX to operate on the XXXX XXXX telephone service. They fraudulently accessed my XXXX XXXX online account and activated the sim card on the XXXX, thus stealing my phone service on my phone number. This action enabled them to accomplish two-factor authentication in the steps described in this complaint. ] On XX/XX/year> at XXXXXXXX XXXX  Arizona time, the person ( s ) accessed my PayPal account. At XXXX they acquired a XXXX account from PayPal ( card product managed by PayPal 's business partner, XXXXXXXX XXXX ) with a {$1000.00} limit. At XXXX the account was activated on the XXXX of the person ( s ). 

Three charge transactions were made on XX/XX/XXXX : {$85.00} for beauty supplies, {$870.00} for fireworks, and {$32.00} at a gas station/convenience store. On XX/XX/XXXX a charge of {$76.00} was made at a different gas/convenience store. 

The transactions occurred in XXXX XXXX, FL. I spoke with the City Attorney there and a Police representative, XXXX XXXX, and provided information about the incident, the charges, and the merchants involved.
Product: Credit reporting or other personal consumer reports

You have failed to explain how my personal information got into your system and please refer to XXXX XXXX XXXX XXXX. Evidence why your Actions were wrongfully and illegal, below, Notification date XX/XX/year> XXXX XXXX Order Date XX/XX/year> XXXX EST Order number XXXX Product Title Commitment Subscriber number XXXX subscriber contact XXXX XXXX Subscriber name NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Subscriber Loan XXXX Borrower XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Investigate and explain you involvement?
Product: Credit reporting or other personal consumer reports

XXXX I Contacted each creditor asking for method of verification I asked for all the documentation that they had retrieved during their investigation that proves that this information is reporting accurately
Product: Checking or savings account

I made my initial call to the customer service line to close my savings account on XX/XX/2023. I was told it would be done by XX/XX/2023. When I did not receive my money I called on XX/XX/2023, to get confirmation or ticket number. I was given a number but did not receive my money. I call daily to inquire about the delay, but I am never given a reason. On XX/XX/2023, I was told there was an error, but the bank could not tell me what the error is. There is no manager or supervisor to speak to about any problems. I have been researching this bank and there are numerous complaints about similar issues where people can not get their money. I am a XXXX XXXX  on a fixed income, and I do not have thousands of dollars to play with while waiting for this bank to give me my money back.
Product: Mortgage

my loan processor sent me a letter saying they did not pay supplemental tax bill from my escrow account. That I now need to pay the property taxes plus interest and penalties. 

I was not watching for property taxes because I had done an escrow account and taxes were to be paid from that account by my loan servicer I believe what happened is when I purchased the home the original property tax bills were paid by my loan servicer. But in California another bill is sent because of the increase in assessment amount based on the purchase price of the home. 

I refinanced about 6 months after closing. 

My servicer some how missed the supplemental bill and is now wanting me to cover the taxes and late charges.
Product: Vehicle loan or lease

I have been requesting that Toyota Financial Services provides me with a formal breakdown of the original contract, including the fees and why insurance and my down payment was not included within the financing as the law states as per USC 1605 " sum of all charges '' and # XXXX : states " premium or other charge ... or insurance protecting the creditor ... '' I was asking for them to verify that my loan was written correctly, but they never responded to any affidavits, dispute letters, or motions. I have tried for over a year now to confirm this contract is valid. Toyota has ignored all requests. They have now stolen my vehicle in which I only owe about $ XXXX on but stopped making payments when they refused to provide me with proof of a valid contract. They are going to sell my vehicle on XX/XX/23, and I need them to allow me to defend myself before a judge but they wont even let me do that. They are themselves finding me guilty without a judgement in place. I never wanted to not pay, I just wanted TFS to verify the contract/loan was correct. I have numerous written communications that are all notarized and certified/signed for mailed as proof of my attempts to get this information. I was always willing to make the payments once they verified the loan. I am still asking for verification, but they took my vehicle.
Product: Debt collection

Talked to SEQUIUM ASSETS SOLUTION of XXXX XXXX told them I had not used XXXX for more than XXXX years and all bills from XXXX were paid by the XXXX XXXX. And I also paid for a bill in full back in XXXX of 2020. I asked them to provide proof they didnt have it and all they said they will report me to the XXXX XXXX and impair my credit. I complaint to XXXX which was the first I knew and they never answered. To my knowledge this account is being sold to difeerent companies which are barred from collect the money and they claim they just reported. I need your help. Look at my credit and I just found out becuase I went to buy a washer at XXXX for XXXX
Product: Checking or savings account

I do not understand why the banks say I have a available balance then when I take money out they said i am in the negative because of their posting dates. My bank shows negative daily balances even though they told me the money was available. I am trying to buy a house and my bank statements show negative days even though the bank said I had an available balance. This is very misleading. I ask the bank to reconcile my daily balances because they are not a true picture of what occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to get credit agencies to comply before legal action is taken for violation of my consumer rights. I will be seeking {$1000.00} in damges per violation. 

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XXXX Wells Fargo closed sent me an email saying that they would close my account due to being fraud risk. Fraud was claimed due to me logging into to my account from abroad. It is true that I have logged into the account from abroad, however I do not believe any suspicious transactions took place. I called the phone number attached on the email but I was unable to prevent the closure of my account and told me the further verification will be required at a later date. I offered to provide more information over the call but I was told nothing could be done. Now my funds are trapped in this account with no ETA of when my account will be unfrozen. Wells Fargo says they will close my account on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX , Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately.
Product: Debt collection

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Reinvestigation of Inaccurate Information Account Name : XXXX XXXX XXXX To Whom It May Concern, I am writing to request a reinvestigation of the inaccurate information reported on my consumer report by XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Upon reviewing my credit report, I found that the information pertaining to this account is incorrect and needs your immediate attention. 

Inaccurate Reporting DetailXXXX : The XXXX XXXX XXXX account is reported inaccurately on my credit file. 
Request for Reinvestigation : I request that you conduct a thorough reinvestigation into this account, as the reported information does not accurately reflect my financial history. 

Please provide me with a written response detailing the results of your reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.
Product: Credit card

I applied for a credit card with Fifth Third Bank which included a balance transfer of {$8500.00}. I was approved with a {$700.00} credit limit. I was not ok with the credit limit I was approved for as it was too small and completely out of line with my credit score of XXXX. I called and cancelled the card on XXXX/XXXX/16. On XXXX/XXXX/16 they pushed the credit limit up and processed a partial balance transfer of {$7600.00}. They did this after I had already cancelled the transfer.
Product: Credit card or prepaid card

Checked my credit report and there are a ton of credit card inquiries and bank inquires that were done that I did not do. My wallet was stolen back in XXXX of XXXX. I noticed someone tried to open a mortgage because I was alerted so I froze my credit. Police did nothing about my report since I filed it online per the instructions I was given due to no officer available to call me. Still have not heard from them. 

INQUIRIES FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I went delinquent on a loan with lending club. I negotiated to pay the debt. Before I paid the debt : a representative from lending club told me that once I paid that debt, it would be considered paid in full and removed completely from all  credit report one p ayment was processed on their end. I have completed the payment, yet it is still report on my credit report as of yesterday [  XXXX / XXXX / XXXX  ] I request all trade lines be removed all credit reporting agencies Lending Club Loan # -  XXXX  Date of Birth -  XXXX / XXXX / XXXX  Social Security Number -  XXXX