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

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft resulting from a data breach, these entries were made without my authorization and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I purchased a new XXXX XXXX XXXX in full. I then purchased that same day an insurance policy with Progressive Auto Insurance, which I also paid a full term of insurance in 1 full payment in the amount of {$5900.00}. My policy number was XXXX. Now its very important to know 2 very important things that have Progressive contradict their arguments about me owing any amount of money to them : 1 ) my policy went into effect on XX/XX/XXXX, XXXX XXXX, XXXX approximately a month after purchasing my new vehicle due to the dealership needing to ship it from California because I discovered the vehicle on Fords website and was willing to be patient enough to wait. 2 ) its not possible to owe progressive auto insurance or owe money for anything that includes progressive insurance because I have only had progressive insurance for the one aforementioned policy/period above in XXXX ( on my credit report it shows a complete different year of coverage in XXXX ). Which means that I didnt make only one payment for auto insurance in full satisfaction. I have concrete proof of everything that I explained to a T, because I will be attaching the all applicable documents of my policy declaration which corroborates everything that Im disputing directly disproves any monetary value owed to Progressive insurance. Despite me having to explain everything that I am explaining now for the 4th time & be denied by XXXX of the obvious mistake that is negatively impacting my credit score Im trying so hard to develop responsibly. It remains a heavy burden on growing my credit score effectively and progressive seemed to only care about me as a customer when money was involved. So now a collection company is involved Caine & Weiner harassing me and ruining my progress made with my credit score for the owed amount {$1400.00}, I have proof that I paid every XXXX in one single transaction. I demand justice and the right course of action be taken to remedy this situation please. Thank you.
Product: Credit card or prepaid card

On XX/XX/2020 I started to sell  on XXXX in doing so I had started a PayPal account to receive my funds. PayPal ended up putting all funds on hold until I submitted some information and my ID so I gave them all documents required and they still had my funds on hold after all documents had been reviewed and satisfied. After endless conversations with customer service and them telling me it would be released within 24-72 hours when that did not happen I talk to customer service and they told me because of a old unresolved account my funds are on hold until it is resolved. I then call the number they gave me and it was PayPal collections and the man on the phone told me over a year ago on a previous account funds that had been sent to me had been charged back due to the sender claiming he never sent the funds which is a total lie. I did XXXX XXXX and he would send my pay through PayPal so I said how come I was not notified and he said they sent a email I regards to it well I obviously never got this email I said why did you not send a letter or call me. He had no answer and now are holding {$1600.00} of mine in my PayPal buiesness account and will not release my funds until I pay {$1100.00} on something I have no knowledge on and do not owe PayPal any money. I will end up suing them if I do not receive my funds this is and was my only source of income I need you to please help me get what belongs to me please.
Product: Debt collection

The debt was paid after months of back and forth. I contacted the fed loan service because it was as a result of a student loan and they stated that I dont owe the university anything since I dropped the classes due to XXXX and before the drop period. Even though I paid the full amount they still placed it on my credit report which hurt my credit. I would like any negative remarks removed from my credit in good faith from the university since the bill was paid.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Fifth Third Bank that was no longer needed. So I went to one of their banks and had the card closed out. I also called and had them close the card out. Still after that the card wasn't closed out. So they charged the annual fee, causing the card to accrue late fees. Fifth Third agreed that I shouldn't have to pay the fee or late payment fees and said that they would take are of all the negative repercussions ( AKA the reporting of the late payments ). They never removed the history from my credit report. They have told me that they have no record of a call or request to close out a card. I have called them about 20 times and talked to 3 different supervisors. I have also gotten yelled at by their customer service representatives. I have been told that I was verbally abusive to them, and then hung up on as well. I have been told by 1 of the supervisors that they didn't see any late payments on my report, then they denied that the conversation ever happened. All they will say now is that Fifth Third admits no bank error and will not remove the error. Even though they admit it doesn't affect Fifth Third it only effects me their 13 year customer. I can't get a credit card, loan, or financed for anything now that this is on my credit report. I have never been late on any payment for 13 years. This is impacting my wife and her credit score as well as any finance option she is trying to get as well. It is affecting the way we live our life. All because Fifth Third will not admit wrong doing or make me whole based on my horrible customer experience ( lied to and getting yelled at and hung up on ).
Product: Checking or savings account

I was told I have about XXXX of dollars in over draft fees and also filed a claim of transaction that were not mine
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Coinbase card locked for no reason with no explanation lied to and told it was working properly. 

On going since account was restricted and funds and crypto held without reason and lied to multiple times about what it was from and why my account was restricted and no explanation on why I was no longer allowed to use the platform only to find out Coinbase has done this to multiple customers. 

XX/XX/XXXX Still no resolution and XXXX held in XXXX XXXX and Coinbase saying I can cash funds out but still not being allowed to.
Product: Credit reporting or other personal consumer reports

Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA S 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 identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consist of a personal credit card accounts opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO Credit report. I have attached a list of the hard inquiries in question as well as copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collection and hard inquiries are results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

These complaints were sent to TransUnion and i have not receive any response from them for over 30 days.
Product: Prepaid card

On XX/XX/2017 I received an email from American Express that my Bluebird card denied a transaction due to insufficient funds. I accessed my account and found numerous unauthorized charges, both posted and pending. I called customer service and disputed the posted transactions and also notified them of the pending transactions that were fraudulent. My card was canceled and they started the process of sending a new one. 

On XX/XX/2017 I received an email indicating my disputes were declined and my account locked due to violating the membership agreement. At this point I was no longer able to access the account. I received more emails indicating the account had a negative balance, despite the fact there was a {$75.00} balance when I disputed the charges and the card canceled ( fees? ). Upon calling customer service again, there was no satisfaction, no explanation as to how it was determined the charges were valid or an explanation of which charges ( or all of them? ) were determined to be valid. 

The amount gone from my account is approximately {$2300.00}. Since I am unable to access the account, I do not have the ability to determine exactly how much money, what all the charges are and what the balance should be. 

As part of this resolution, I want a complete list of all the transactions on the account.
Product: Bank account or service

On XXXX/XXXX/16 my bag was stolen containing all of my bank cards as well as my ID. I filed a police report with the XXXX XXXX police Dept. in XXXX. On XXXX/XXXX/16 in filed a claim with M and T bank making them aware of a number of fraudulent charges which had placed my account into a negative balance ( XXXX ). After several days I inquired with M and T Banks Dispute Claims Dept. and they informed me that the claims were denied. I asked the phone representative why they were denying the claim and they said I needed to write, sign and submit a statement saying that I did not make nor was I aware of the charges stated in the complaint. I immediately yet still the claim is being denied. In the interim my direct deposit from my employer went into the account which was immediately consumed by the existing negative balance. M and T did initially issue a credit for XXXX of credit card transactions however the bulk of the charges were ATM cash withdrawals. My PIN was not on the card however all my cards use the same PIN. Any review of the ATM cameras associated with these transactions should easily show that I did not make nor was I aware of these withdrawals. Your help in resolving this matter is greatly appreciated. 

Case ID XXXX and continuation of the Case ID XXXX
Product: Credit card

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.wrong opening day account belong to ex wife I dont have anything to do with this
Product: Debt collection

I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. Proof that I owe the debt : The name and address of the original creditor, the date the debt was incurred, and a copy of the original agreement. 2. The amount of the debt : An itemized statement of the account, including the principal, interest, fees, and any other charges. 3. Proof of your authority to collect : Documentation showing that you have the legal right to collect this debt. I request that all communication regarding this matter be in writing and that you cease any further contact until you have provided the requested validation. Thank you for your prompt attention to this matter. Sincerely,
Product: Checking or savings account

I don't remember the dates but it was something last year in XXXX XXXX or XXXX. Call them to see why I have unauthorized use of my card being charge. Deposits wouldnt showing up on time and balance often had errors
Product: Payday loan

Get phone call from XXXX. They say they are seeing for an account. At playday loan company. They say there is a warrant for my arrest for payment due. And sherff will be sent. Then they say I owe XXXX dallors but they will settle for XXXX. When I ask them for paper work they say it too late for that and I need to pay now. They have been calling my family and tell them they are investigating me and that they need to call back and to tell me to call them. I told them If they send me paper work and I owe the money I will pay it back in payments. I an on XXXX and have a limited income. I want them not to call family or friends. They have my number and address.
Product: Mortgage

In my divorce proceeding my ex-husband was awarded the property granted he was able remove me from the loan. I was required by Freedom Mortgage to provide a quit claim deed before they would begin the process. XX/XX/XXXX a Quit Claim was filed wit XXXX XXXX Recorders. From the months of XXXX and XXXX Freedom Mortgage provided Promissory Note documents with errors five times to my ex-husband XXXX XXXX reportedly five times. Finally end of XXXX documents were approved. I was required to provide 2 separate notaries for the initial quit claim deed as there were error on the notary document provided by Freedom Mortgage. XX/XX/XXXX The Veteran 's Administration release me from the loan, documentation was provided to Freedom Mortgage on XX/XX/XXXX. Once the Promissory Note was approved the Assumption documents were prepared. Again requiring several attempts to provide XXXX with correct documents. XX/XX/XXXX both XXXX and I signed separately, the Assumption documents with a Notary and returned overnight to Freedom Mortgage. Freedom Mortgage notarized the documents on XX/XX/XXXX. I spoke with XXXX in the Assumption department who confirmed I was removed from the loan and proceeded to remove my access to the Freedom Mortgage loan portal stating I was not longer on the loan. As of today XX/XX/XXXX I am still legally responsible for this loan per XXXX, XXXX and XXXX. All have denied my disputes, I have spoken to Freedom Mortgage weekly since XXXX of XXXX. I have filed a minimum of 4 escalation complaints and currently working with manager XXXX XXXX and have file 3 escalation complaints with her. All conversations have been recorded by Freedom Mortgage as well as emails via the customer portal providing documentation in a timely manner. I have spent {XXXX} in legal fees due to this situation trying to protect myself due to false information and inaccurate information from customer service, had to fly from North Dakota to XXXX California to appear in court over the matter of the quit clam deed and loss of ownership of property prior to being released form legal financial responsibility. As well as time off work and the emotional stress and anguish. My credit has been held captive by Freedom Mortgage.as of today, XX/XX/XXXX I have confirmed via online service and phone call with XXXX at XXXX that no documents, no Assumption, Promissory Note have been received at the XXXX XXXX Recorder office to remove me from financial responsibility. Also XXXX and again XXXX Freedom Mortgage reported negatively on my credit even while protected under COVID Forbearance.
Product: Vehicle loan or lease

Dear CFPB Team, I am writing to formally file a complaint against Hyundai Motor Finance regarding the repossession and mishandling of my late mothers vehicle, a XXXX Hyundai XXXX, which occurred on XX/XX/XXXX. The series of events surrounding this repossession and subsequent actions by Hyundai Motor Finance have caused me significant distress and financial harm, and I am requesting your assistance in resolving these issues. 
Background and Details 1. Repossession Circumstances : Hyundai Motor Finance repossessed the vehicle without providing adequate confirmation to me, leaving me uncertain whether the car was taken by them or stolen, as the XXXX Hyundai XXXX is one of the most targeted models for theft due to its lack of a passive engine immobilizer. This vulnerability is a known manufacturing defect acknowledged by Hyundai in a class-action lawsuit settled for {$140.00} XXXX on XX/XX/XXXX. Although my late mother is eligible to participate as a class member in this lawsuit settlement I have been barred from representing my mothers interest and I want that rectified immediately. 
2. Communication Barriers : Despite notifying Hyundai of my mothers passing and initiating estate proceedings with the Probate Court of XXXX XXXX, Georgia, in XX/XX/XXXX, Hyundai refused to communicate with me regarding the repossession, citing privacy concerns. This was inconsistent with their prior willingness to accept XXXX payments from my checking account. 
3. Car Retrieval Issues : After weeks of effort, I retrieved the car from the XXXX Auction in XXXX XXXX, Georgia, at the end of XX/XX/XXXX. I was charged {$170.00} by XXXX and additional fees by Hyundai that were never itemized despite my repeated requests for a written breakdown. 
4. Vehicle Condition and Concerns : Upon retrieving the car : o It was significantly dirtier than when it was repossessed.

o The odometer showed an increase of XXXX miles. 
o Items such as empty snack bags and tissues were left inside, suggesting unauthorized use. 
o My phone was no longer the only device synced to the car. 
o The driver-side door handle is now loose and insecure, likely damaged while in Hyundais possession. 
XXXX. Outstanding Title and Reimbursement Requests : Despite assurances that the car title would be delivered within XXXX business days, I have yet to receive it nearly a month later. Additionally, I am seeking reimbursement for unauthorized mileage, repairs to the cars door handle, and compensation for Hyundais failure to safeguard the vehicle while it was in their possession
Product: Debt collection

I have contacted Franklin Collection regarding an account that they claim that I owe them for an alleged debt in the amount {$1500.00} for a company they represent by the name of XXXX XXXX XXXX. I know for a fact I have never had any dealings with Franklin Collection nor the company that they represent. I have asked Franklin Collection to provide some type of competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them or the original alleged creditor. However Franklin Collection has failed to provide this information.I have continued to do my own investigation and have found that I am a victim of identity theft and this account is a result of identity theft. However due to Franklin Collection ignoring my request to validate and verify this account I think they do know this as well and proceeded to report this fraudulent account onto my credit file anyway. In accordance with the Fair Debt Collection Practices Act, I am asking Franklin Collection to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request
Product: Credit card or prepaid card

I noticed fraudulent charges on my account 7 months ago. I immediately called and notified the credit card company and canceled my card. Despite this, additional fraudulent charges appeared a few days later. I again contacted the credit card company and completely closed my account. Despite this, Citi issued another card in my name, which then incurred interest, fees, and late payments. I have called monthly to dispute these charges and each time I am told the account will be updated and return to XXXX XXXX Now, I am contacted twice daily by the collections team and have incurred negative credit raitings.