23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Back in XXXX, XXXX has decided to end their relationship with me after I filed multiple complaints which almost put the bank at risk which made them decide to end their relationship with me and closed my checking account. I tried to ask if there was a way to have my account reinstated or at least open a new account. Unfortunately, the decision has been finalized on top of that there was an amount that I had to payback of the amount of {$1300.00}, which I eventually paid back in XXXX which made settled my old account. During that time, I utilize Eary Warning Services and found out I was a victim of fraud due to the fact my other account with XXXX  had fraudulent activity it was clear to me that something was going and I reached out to a representative to find out what was wrong however she told me there was a difference of the amount of {$45.00} that I was responsible for and if I want I can file a dispute with Early Warning. As I was told I file a dispute and tried to figure out if I can still open a new checking account with a different institution I tried Wells Fargo and I was denied multiple times. After months of waiting, XXXX  told me even though it shows fraud on my report they can't remove it however they updated my report stating it is fully paid. So I try to open a Wells Fargo account again and I was still denied to open a new account. I even tried to contact XXXX 's representative and still was denied because the end of a relationship was finalized and not reversible. But I did countless research and someone was able to have their account reinstated. I just need some assistance because I want to open an account rebuild my financial security again if anything helps. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Claim Submission for Cash App Class Action Lawsuit On N/A I used Cash App to complete a transaction of {$970.00} sending money, being stranded in another state. However, the app [ specific issue : failed to process the transaction, resulted in duplicate charges, froze my funds, or facilitated unauthorized access ]. 

As a result, I experienced significant financial loss totaling {$1000.00}, which includes : {$970.00} from the original failed/unauthorized transaction. 
{$35.00} in additional fees, penalties, or late payments caused by the issue. 
Time and inconvenience spent trying to resolve this issue with Cash Apps customer service, which was unsuccessful. 
This situation caused undue stress and financial hardship. I am requesting {$1000.00} in compensation to cover my documented losses and the inconvenience caused. 

Thank you for reviewing my claim.
Product: Credit card or prepaid card

XXXX XXXX has a credit card on my credit for discover credit card I have a collection from XXXX XXXX company that dont belong to me on my XXXX XXXX report I have Fruad accounts on my XXXX credit report that dont belong to me and it is maken me get turn down from creditors I need all the accounts thats on my identity theft report to be block off my credit report
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX HRRG XXXX XXXX XXXX XXXX, OH XXXX REF : XXXX To Whom It May Concern : This is NOT a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, XXXX XXXX  APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and XXXX XXXX XXXX XXXX XXXX BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXXXXXX  interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXXXXXX  and the penalty rules of the FCRA and FACTA  including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and XXXXXXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of NEW JERSEY medical privacy rules . 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXXPrincipal WITHOUT RECOURSE
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following collection account : Sunrise Credit ( TransUnion ) : Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$160.00} Date Opened : XX/XX/year> Account Number : XXXX I do not recognize this collection account as reported. This account was not opened, made, or authorized by me. It is the result of identity theft and fraud. 

I have attached the following documentation as evidence : A copy of my FICO credit report highlighting this fraudulent collection account. 
A copy of the FTC Identity Theft Report Number : XXXX, confirming that this item is the result of identity theft.
Product: Debt collection

Upon reviewing my credit report on XXXX, I notice that there was a medical bill that DOES NOT belong to me, but somehow made its to my report. I contacted the collection agency and they advise me it wasn't an issue, but its an issue for me and I need it gone my report. This medical bill belongs to a XXXX XXXX AND LIVES XXXX XXXX XXXX XXXX, XXXX  XXXX. I have NO relation this address nor name!!!
Product: Debt collection

In XX/XX/2022 a representative with Rental Recovery Solutions contacted me to recover a debt entered by XXXX XXXX XXXX XXXX. 

After repeatedly explaining to the representative of the debt not being owed, ( as the judge gave me a Writ of Re-Entry into the property ), the representative became belligerent and accused me of yelling at her. The conversation became even more hostile, resulting in my blocking the representative and the company from further contacts with me. 

To date, two bureaus removed the debt, CFPB referred it to the FTC, XXXX is still investigating, and XXXX is still contacting me regarding this debt, as it is actively being investigated, as fraudulent. 

Because Ive informed XXXX previously that I did not wish to communicate with her any further regarding this debt, and contacted CFPB accordingly, the company should not contact me to restart the collection period. Her obligations to collect should stop as its being investigated and removed accordingly from my credit reports as a fraudulent debt. 

The company is actively trying to collect a debt that is actively being removed from my credit and referred to the FTC and should be stopped from doing so, while in the investigation phase.
Product: Money transfer, virtual currency, or money service

Hello, Zelle was very misleading and was not safe to use
Product: Credit reporting, credit repair services, or other personal consumer reports

I tryed to dispute these accounts back in XXXX XXXX XXXX, XXXX, and XXXX XXXX with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from Experian showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX account.
Product: Credit card

I have talked to American Express customer service six times and their Credit Bureau Agency three times and they still have not removed the late payment status affecting my credit score. I have been in a relationship with American Express for eight years ( longer than any boyfriend I 've had! ) I was assured by XXXX in Customer Service three times over the phone that this late payment would be removed from my account. I had set up an auto pay and there must have been a computer glitch because the payment did not go through. This is XXXX payment over eight years, people! It was quickly rectified and my account has been in excellent standing ever since. 

When the late payment status was not removed, I called customer service again, and asked them to review the phone call with XXXX because they said they would n't remove the late payment. They said they would do so and I would get a phone call from a manager within XXXX to ten days. I never got a call from a manager. I called again and informed them of this and they said lackadaisically that they would listen to the recording " when they got around to it. '' It has been over four months that I 've been trying to get this resolved. 

When I talked to XXXX, he even three way called with their Credit Bureau Agency, so we were all on the same page. Please ask American Express to review this because they told me they would and they have not done so. I expected greater customer service from a prestigious company such as American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called several times and disputed this on my credit. I lost my business during Covid-19, I called in to see if they would work with which I was told they would. They sent me documents the first time, I signed and they never received them. Answered the phone a month later to only be told I never made my payment. I explained It was supposed to be attached to the end of the loan as I was explained by their representative. I was also, told by their representative on a recorded line that it didnt really matter anyway because late payments would not be reported to my credit during Covid which put my mind at ease. Now, I have 2 late payments on my credit report that are effecting my tremendously as Im trying to get back on my feet after losing my business during COVID-19. Im so disappointed with Santander finance. It is reporting late XXXX and XXXX of 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts that have been reported on our credit report. We believe that these accounts violate the following laws : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX. Fair and Accurate Credit Transactions Act ( FACTACT ) XXXX. Truth in Lending Act ( TILA ) XXXX. Real Estate Settlement Procedures Act ( RESPA ) XXXX. Equal Credit Opportunity Act ( ECOA ) XXXX. Fair Credit Billing Act ( FCBA ) The following accounts have been reported on our credit report, and we believe that they are in violation of the above-mentioned laws : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX Charge Off account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account We request that you investigate these accounts and provide us with a written explanation of the results of the investigation. We also request that you remove any inaccurate, incomplete, or unverifiable information from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is furnishing information that is incorrect. The consumer reporting agency has never reached out to confirm that the accuracy of the Information from me the consumer. Instead, they have relied on non affiliated third parties to provide to them my personal information without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the inaccurate information currently present on my credit profile. Despite repeated attempts to rectify these errors, the bureau has failed to take appropriate action, thereby violating several federal laws protecting consumers ' rights. 

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that information reported on credit profiles be accurate, complete, and up-to-date. However, the inaccuracies persist, constituting a clear violation of FCRA Section 1681e ( b ).

Furthermore, under FCRA Section 1681i ( 5 ), the bureau is obligated to promptly investigate any disputes raised by consumers. Despite my efforts to dispute the inaccuracies, the bureau has failed to respond within the legally mandated timeframe. 

This blatant disregard for federal law has had severe repercussions on my financial well-being and has undermined my ability to access credit on fair terms. Therefore, I demand immediate action to rectify these errors and remove the inaccurate information from my credit profile. 

Failure to comply with federal law in this matter will result in further legal action to protect my rights as a consumer. I have attached copies of previous dispute letters for your reference. 

I expect a prompt and satisfactory resolution to this matter.
Product: Debt collection

Credit Management is attempting to collect a debt I do n't owe to them. I never established a contract with this company at all, furthermore they are in direct violation of the FCRA Law, by placing negative tradeline to all XXXX of credit reports which is a complete slander to my name.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested a withdrawal from coinbase inc to my bank account for {$450.00}. It is an app based virtual currency exchange for Bitcoin and also has a USD wallet. I have not received my money and have repetively tried to contact them on every platform I can with no success. Other people are having similar issues. I think we are all being scammed by this company. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries added fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing because TransUnion, XXXX  and XXXX  are in violation by reporting fraudulent credit information when I never even authorized any furnishers to report on my credit. I will have to seek litigation if this is not removed because this is wrong and an injustice for doing this without my consent. Please update me as soon as possible with this matter, thank you.
Product: Credit reporting or other personal consumer reports

There are 2 hard credit hits on my credit report that I did not do. I want them to remove the hard hits to my credit. One of the company is Aspire and the other is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Here is one of my lists ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there is a public record that got reported on my consumer credit report with XXXX, transunion that shows filed XX/XX/2013 with US Bankruptcy Court as chapter XXXX. I have contacted these bureaus and was told I need to file a Federal Trade Commission report and police report so they can block this off. I have also notified them of the fraudulent addresses used. It has been over 6 months now one supervisor told me it only takes up to 4 days and it will be removed and it still reports. I have been calling over and over sending letters and all i get is you need to file it again. This is my last step I am taking then I am going to file a lawsuit against these companies in how they treat victims of identity theft. This has caused my good standing credit card accounts to shut down and has ruined my credit rating. I spoke today again with specialized handling senior supervisor named XXXX that again told me that there is nothing he can do at the moment without any explanation and hang up on me.
Product: Student loan

I was told by Dept of Ed on XX/XX/XXXX to apply for the new XXXX XXXX. I applied on XX/XX/XXXX, and then logged in to Mohela to see I already had a payment plan in the system ( which was not the case before ). I called Mohela on XX/XX/XXXX to cancel the new IDR payment plan request. I was told by the rep that I wouldn't need to pick a new plan until XXXX. I called back on XX/XX/XXXX to confirm the new payment plan would be cancelled, and I was told yes. 

XXXX XXXX I got an email from Mohela that some of my loans were in administrative forbearance - I did not ask for this. I called several times to find out why, as I would like to repay ALL of my loans not just some, and was not able to reach anyone. 

When I logged into my Mohela account on XXXX I see that my payment amount is now double the cost of what it was last month. A surprise increase by XXXX XXXX dollars. I called Mohela several times this week and did not get through until yesterday, XX/XX/XXXX. I was on the phone with the rep who said she was going to have a supervisor review my account. I was told to continue holding. After XXXX minutes, the rep hung up on me. I know for a fact she hung up because the phone was on speaker and resting on my desk, I did not touch it at all. The rep said during our call that she would call me back if we got disconnected, but she never did, so she 100 % purposefully disconnected. I did some research and I am far from the only one that Mohela has hung up on.
Product: Mortgage

I am self employed and have been applying for modification for ov er four  years but never received any answer from Citibank.   My husband and I have been in this property for 11 years and we want to continue to reside here and we want to do all thing possible to continue to live at our home.   Although, we have had some personal and business setbacks due to illnesses and loss of business opportunities ; we are working to make sure we keep our home.   For the p ast four years, Citimortgage has refused to accept payment from me. Citimortgage stat ed that they refused to accept the payment because my property is in foreclosure but I was not in foreclosure. I may have been in pre-foreclosure. Also, Citimortgage listed on my credit report that my property is in foreclosure. However, my property has not been foreclosed.   This past week,  Citimortgage sent m e a letter indicating that I have been approved for short sale even though ; I did not apply for short sale. I applied for modification and/or principal reduction.   The recent letter from citimortgage included information that citimortgage did not previously disclose to me. In the letter I learned that citimortgage only considered part of the household income.   I initially sent my financial and my husbands financial, it appears that citimortgage did not fully review my submission.   I am seeking you help to get full modification review.
Product: Money transfer, virtual currency, or money service

Purchased Cashiers Check for {$10000.00} on XXXX from Chase Bank in XXXX XXXXXXXX XXXX  Check made out to financial adviser in XXXX XXXXXXXX XXXX  and mailed to that company. Check was intercepted at some point and fraudulently cashed and deposited into account number XXXX at XXXX XXXX XXXX XXXX. We received copy of fraudulently cashed check in late XXXX and filed a declaration of unauthorized endorsement and submitted to Chase Bank, XXXX XXXX XXXX on XXXX. Chase Bank did not forward declaration form to their customer claims division until early XX/XX/XXXX due to an error on their part regarding who to submit to. Once submitted to customer claims we worked with them connecting multiple times to ascertain status of the case. We were told repeatedly that they were waiting for a response from XXXX XXXX XXXX XXXX and therefore were unable to return the money into account. On XX/XX/XXXX during a subsequent call to Chase Customer Claims we were informed that they can not pursue this matter as it involves a cashiers check. We were never informed of this during the multiple contacts and after XXXX months it feels disingenuous to be told you need to start over with another faction of Chase Bank. We have been out {$10000.00} since late XXXX and Chase Bank is refusing to assist or take steps to have the money returned to the legitimate owner. We feel this service is completely unacceptable and would like your organization to investigate this complaint.