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

I am writing to contest inaccurate information on my credit report in accordance with XXXX5 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 

ACCOUNTS : XXXX NUMBER Accounts : XXXX XXXX CREDIT : XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This account shows conflicting dates of last activity across the credit bureaus. XXXX reports the last active date was XXXX, while TransUnion reports that nearly one month later. This inconsistency is a violation of the Fair Credit Reporting Act, as it inaccurately extends the reporting period and harms my credit score.

This is an inaccurate payment history reporting. If the information is coming from the original creditor, the dates should be the same. We can not say this account is 100 % accurate so it is deemed INACCURATE. Please delete from my credit report. 

This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. XXXX looks to have found several inconsistencies and deleted this erroneous information. XXXX and TransUnion failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Your options for the problem do not provide the actual issue. Square Inc who owns Cash App has not be able to provide a PIN # FOR MONTHS. One of primary issues, is all the communications to and from is via email. This is not proper customer service and is unacceptable. At lease allow their agents to call the consumer back instead of sending an email. As the email may not answer and respond back that may take another 2-3 business days in addition to the original 2-3 business days originally. Therefore, this back and forth could take about 2-3 weeks. To get an answer to an issue is not the best customer service a business can provide. I have another issue with their verification service PLAID. I need manual intervention to help get my account set up but I no one has been able to help me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I have disputed an account on my credit report multiple times with Experian. Despite providing all necessary documentation to prove that I am not responsible for the XXXX AUTO LOAN ' account, Experian has refused to remove it from my credit report. 

I submitted three separate disputes to Experian, stating that the account was opened fraudulently without my consent or knowledge. I am aware that Experian is currently being sued for improper investigations, and I believe this issue with my account reflects a failure on their part to adequately investigate my case. 

I request that the XXXX AUTO LOAN ' account be removed from my credit report immediately, as it is the result of identity theft, and I have provided all necessary proof to support this claim. 

Please assist in ensuring that Experian properly investigates my dispute and removes this account in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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: Credit reporting, credit repair services, or other personal consumer reports

REPEAT ISSUE : Inaccurate, unverified bankruptcy reporting against me. At this point this dispute is to collect more evidence of willful negligence from the credit bureau in this issue for court. 

No real investigation has been conducted on the issue.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX, and Department of Education/XXXX XXXX have entered into an agreement with me to discharge my student loans under the ( TPD ) Total and Permanent Disability Discharge Servicer. Once monitoring period of ( 3 ) three years have been completed of I have reached the age of XXXX XXXX XXXX, and that I must not enroll into school using government loans or processes, shall make is TPD invalid. The TPD has been discharged by the information is still being updated in the bureau causing a debt to ratio on my credit report and this is unwanted because I can never use these educational services anymore.
Product: Checking or savings account

I bank with Wells Fargo. A number called me under the name Wells Fargo. Unbeknownst to me, this was a scammed who spoofed Wells Fargo number from what I was advised by a Wells Fargo rep. The scammed was able to transfer {$190.00} from my account using email XXXX and listed my name as receiver. This was not me. I now know that my Wells Fargo bank account was hacked because they changed my phone and email. It appears ti be XXXX. The scammed was sending codes which I thought was Wells Fargo because it was using their text number. They were also able to transfer {$83.00} from my savings tomorrow checking. The only money I am at a loss for is {$190.00} once I realized what was happening, I called Wells Fargo and begin changing my username and password. They also shut down my previous accounts. As I spoke with rep, I got the impression, They will not be refunding me nor did they issue a provisional credit. The XXXX department was closed by the time I completed the claim so the rep could not tell me if I am getting my money back. In the midst of this, I have a car insurance payment coming out of the account that needs to be paid. I am very frustrated as they stated I will have to wait 10 days for an answer on my claim. Wells Fargo reported a security breach recently and after doing research, I can see, I'm not the only one this has happened to today.
Product: Debt collection

I paid my co-pay and XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX XXXX bills.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

Navy Federal Credit Union charges me excessive amounts of late fees. When confronted, not wiling to assist and take accountability for double charging.
Product: Prepaid card

I received an AMEX gift card and the AMEX gift card will not work at any store or online. I contacted the company using the number on the back of the card and they said wait 48 hours I waited 72 and tried again. Didnt work at XXXX so I tried XXXX XXXX then at XXXX XXXX all transactions lower than the gift card amount. I called back and they said I needed to wait TWO WEEKS this time and try again. I wait the two weeks and two days just to be sure and tried the card at a completely different location this time. The card will not work anywhere so I call back tonight and the man says that my card has been blocked by all the places Ive tried the card and that I need to contact the merchants to have them remove the block. I believed him, so I contacted the merchants and the merchants contacted supervisors and engineer teams and everything and they said no such thing is happening and that I need to coordinate with American Express. Beyond frustrated.
Product: Debt collection

XXXX had XXXX cable service I installed the service XX/XX/2013 Returned Equipment on XX/XX/2013 Balance XXXX say I owe but they charged me for service 2 month after Return cable boxes, which means I was not provide any service and should n't have the XXXX months plus I was charge for none service I have paid them more than XXXX plus dollars and the show a balance of {$690.00} and the turned over to collection and the balance is with XXXX {$820.00} and the on my credit report is at {$830.00} XXXX different numbers and is causing me great harm, If given credit for XXXX mouths charged plus I would n't old nothing if I give proper credit and credit for what I paid to XXXX and why is there XXXX amounts due
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my XXXX  Fraud alert contacted me about BANK OF AMERICA obtained a copy of your XXXX Credit Report without my knowledge or authorization.
Product: Credit card

On XX/XX/2023 a purchase was made at XXXX # XXXX for $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/2023 a purchase was made at XXXX XXXX XXXX for {$10000.00}. 
On XX/XX/2023 a purchase was made at XXXX XXXX XXXX for {$2000.00}. 
On XX/XX/2023 a purchase was made at XXXX XXXX XXXX for {$3000.00}. 
In all {$15000.00} was stolen from my card. 

Navy Federal did not refund any purchases that were disputed on this card. They denied my request twice. Only thing they did was sent me a new credit card.

I have two credit cards that I use for purchases, and both are used for small purchases. I don't usually check my credit card account because I don't use it often unless I am making a small purchase. I submitted my claims late because one day I decided to check my statements and noticed transactions I did not make. With my own investigation, my ex-business partner is the person who stole my information from my card and made purchases to himself. He also made transactions on my debit card without my permission. Navy Federal accepted the dispute on my debit card and refunded the money. I contacted the police department, and they sent an officer to my home. We talked about what transpired and he recommended me to file the dispute with my bank.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Zelle in regards to handling previous disputes, in light of the recent news of CFPBs lawsuit against Zelle. Despite using Zelle countless times and reporting disputes, my financial institution and Zelle failed to in estimate claims properly. I was informed that recovering lost funds was impossible. CFPBs lawsuit highlights that not only has Zelle neglected to protect their consumers but theyve also allowed for disputes to go uncontested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently made aware that I was directly impacted by the Equifax XXXX. I have had to take time from my business to deal with this matter. Taking time out to research the the whistleblower complaint XXXX XXXX, file a report for Identity theft, and gather all info to state my claim. This has become very time consuming and costly. I am still having trouble reconciling the fact that I was not contacted in regards to being directly impacted by the company. This is very concerning and requires more attention and accountability on the company 's end. I am requesting compensation for being placed in this position. XXXX.
Product: Debt collection

I am filing this complaint in regards to a debt that I had previously dispute directly with MIDLAND FUNDING LLC ( XXXX XXXX ) ACCOUNT WWR # XXXX. I never received a response back from MIDLAND FUNDING LLC. I HAVE HAD SOME ISSUES with Fraud that are still being addresses. I am in the process of filling a FTC ID theft compliant at this time. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c )
Product: Debt collection

On XX/XX/XXXX I returned a message left for me to XXXX, XXXX, XXXX XXXX. I spoke with an account representative who identified herself as XXXX XXXX. Ms. XXXX indicated that she was contacting me regarding an alleged debt owed to Wachovia/Wells Fargo Bank. She stated that the account was in pre legal status and would need to be paid immediately to avoid any further legal activity. When I asked for proof of the original balance Ms. XXXX stated that information would not be available to me unless it was taken to legal action. At first she stated that the current balance was owed was {$1100.00} but would settle for {$790.00} and then later said she would agree to settle for {$680.00}. At the time of the phone conversation, Ms. XXXX emailed two settlement letters 20 minutes apart from each other on one it states balance owed as {$1100.00} and the second states balance owed as {$1400.00}. She told me that legal action could be pursued, I could be charged with fraud, my credit would be affected, and that this could be reported to XXXX XXXX. Ms. XXXX told me that the large balance was due to interest and fees accumulated over time. The account I believe that this company is trying to fraudulently collect on is now a zombie debt. I had a checking account with Wachovia/Wells Fargo Bank with the last activity date being sometime in XXXX or perhaps prior to that. I was contacted by a XXXX XXXX XXXX in XXXX regarding the same matter and indicated to them in certified mail that they were illegally attempting to collect on a debt that in the state of Virginia had reached the statute of limitations and to stop all contact. The account was to my knowledge originally, an unpaid approximately {$80.00} debt owed to Wachovia/Wells Fargo Bank. Due to inadvertently closing the checking account with one check not paid with a returned check fee. I received another letter today XX/XX/XXXX from XXXX, XXXX, XXXX XXXX demanding a balance to be paid of {$1400.00} and again threatening possible legal action. Under the Fair Debt Collection Practices Act XXXX, XXXX, XXXX XXXX are illegally calling me, threatening me with possible legal action, as well as being dishonest about balance owed. The statute of limitations has expired and this should be noncollectable and this company is breaking the law.
Product: Mortgage

To Whom It May Concern ; We are writing to voice a complaint against XXXX Mortgage company, XXXX, CT XXXX. 

Our property at XXXX, FL XXXX received water damage in XXXX. We contacted our insurance company immediately ; XXXX, on XXXX. An adjuster assessed our property damage. XXXX checks were issued based on the adjuster 's report ; XXXX for {$10000.00} in XXXX and XXXX for {$7100.00} on XXXX. XXXX checks were made out to my husband, myself and our mortgage company Seterus Inc . 

After contacting XXXX to inquire about the process for getting these checks endorsed to begin repairs on our property we received a claim number and a full packet of paper work from XXXX ( the claims department of Seterus ). The package was completed by ourselves and the contractor and faxed back to Seterus ( QBE ) as instructed. We were told to endorse the checks and send it to XXXX claims department and they would release the funds so we could get the contractor started on the repairs. 

We have not received our money as of today XXXX. I spoke with representatives at XXXX claims department on XXXX, XXXX, XXXX, and finally was told everything was in order. we would have the checks issued to us by the end of the week. No check arrived. I called today, XXXX and was now told that we needed an updated certificate of waiver of lien from the contractor and a complete adjusters report from our insurance co faxed to them. All of this information was sent and our file was complete. 

This is very, very frustrating. Can you please help us get our insurance money from XXXX so we can get our property repaired?? Thank you Sincerely, XXXX and XXXX
Product: Debt collection

MY DAUGHTER ( XXXX XXXX ) WAS ARRESTED IN XXXX AND A BAIL COMPANY PROMISSED IF I PAID THEM BAIL THAT NIGHT THE A XXXX XXXX COURT SHE HAD AN APPEARANCE SCHEDULED FOR THE NEXT DAY WOULD NOT BE NOTIFIED AS SHE WAS TO RECIEVE AN OFFER TO GET INTO A REHABILITATION PROGRAM SHE WAITED MONTHS FOR AND THEY WOULD PAY FOR IT. 
THE XXXX JAIL RELEASED HER ON BOND AND THE NEXT DAY IN XXXX XXXX NV. THE COURT NOTED HER NEW PENDING CHARGES. BUT AFTER WE BOTH MADE PAYMENTS TO XXXX XXXX, .... COVID HIT AND EVERYTHING SHUT DOWN. XXXX XXXX THEN HAD A DIFFICULT PREGNANT AND LOST XXXX OF XXXX INFANTS AT BIRTH. SHE MOVED AWAY AND I ( XXXX XXXX HAD A XXXX XXXX AND LOST INCOME AND WAS UNABLE TO HAVE ACCESS TO ANYTHING DURING XXXX I MOVED ) WHEN SUDDENLY A FEW DAYS BEFORE XXXX I GOT A CALL THAT WAS SHOWN AS SPAM. BUT I ANSWERED AND THEY SAID IT WAS A COLLECTION.. I ASKED WHOM AND THEY SAID A BAIL COMPANY DEBT FOR {$5200.00}. I ASKED THEM TO SEND INFORMATION. THEY SAID THE DEBT WAS GOING UP DAILY FOR INTEREST AND THEY WOULD CALL BACK IN 30 DAYS ... THEY NEVER GAVE ANY VERIFICATION OF THE DEBT AND NEVER CALLED OR GAVE FURTHER NOTICE OR AN ACCOUNT NUMBER OR ADDRESS ... THEN IN XXXX I HAD RECIEVED A CALL AND STATED I HAD XXXX  AND PLEASE CONFIRM INFORMATION THAT WE XXXX ATTEMPT TO HANDLE THE DEBT. HE HUNG UP WHILE ON HOLD. I HAD NO CONTACT PERSON OR ADDRESS OR ANYTING... ..I WENT TO THE BOND COMPANY AND THEY HAD NO MORE RECORDS AND I PROVIDED A MONEY ORDER IN XXXX AND XXXX AND THEY CALLED ME TO TELL ME ALL RECORDS WERE GONE. I FINALLY GOT A NOTICE FROM MY CREDIT WATCH TELLING ME A DEBT IS OWED AND AMOUNT SEEMS TO VARY AND FINALLY A PHONE NUMBER... PLEASE HELP
Product: Checking or savings account

On XX/XX/21 I was notified by email that an account was opened in my name I went to bank of America immediately to resolve the situation they pulled my account and realized the information didn't match my id so they closed it and flagged my name and told me I no longer have to worry about it happening again another account was opened again and this time I haven't been able to speak to the bank over the phone or email
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2023 around XXXX XXXX my brother and I drove up to an ATM to make a withdrawal. My brother put the card in and punched my PIN number in. Once my brother chose the type of bills to give the ATM screen froze and did not dispensed the cash, after a few seconds the ATM gave my card back but no cash or receipt of the transaction. My brother tried to put my ATM card back in, thinking the transaction did not process, but it spit it out. Still no receipt or cash I decided to get out of the drive thru and go to the ATM attached to the building, there I realized the money was out of the account. I asked my wife to call the bank to let them know what happened. She called right away and filed a claim. The bank stated the investigation could take 10 to 45 days. Once the investigation was completed the bank stated that there was no dispense error by the ATM and that we drove off leaving the money at the ATM and the person in the car behind us took it, so the bank is not responsible. My complaint is that the ATM machine must have dispensed the cash after we drove off since the camera shows the car behind us getting the cash about 18 seconds after we drove off. According to the bank the ATM camera doesnt have sound so theres no way to hear the beeping made by the cash door when it opens on camera, so how does the bank know when the cash was dispensed? I didnt received any documentation that proves the ATM was supposedly operating properly either.
Product: Checking or savings account

My card was use with out my persmisson, I didnt authorize this charge