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

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information XXXX XXXX XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXXP Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, {$21.00} was withdrawn from my bank account by Coinbase. I did not authorize the withdraw. I then received an email from Coinbase stating that {$21.00} was withdrawn from my bank account and was placed on my Coinbase account. The money was never placed on my Coinbase account. I filed a complaint with Coinbase and on XX/XX/2021 i received another email from Coinbase with a case number ( Case # XXXX ). I was asked to take certain steps to protect my account ( which I did ) and thereafter Coinbase completely blocked my account. I can not access it at all. I waited XX/XX/2021 to reach out, giving them 14 days. I was informed that it was sent to a specialist and they would respond soon. They have not attempted any contact since that time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX {$7800.00}, 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 an 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: Student loan

I applied for the SAVE repayment plan on XX/XX/23. 

I received a notice from my servicer, MOHELA, dated XX/XX/23 stating that my recent request has been received and is expected to be processed within the next 90 business days. I assumed this related to my SAVE repayment plan request. 

I received a notice from MOHELA dated XX/XX/23 stating that MOHELA has placed an Administrative Forbearance on [ my ] account. I had not requested a forbearance and the notice provided no further explanation as to why my account was placed in forbearance. The notice stated that the forbearance would end on XX/XX/23. 

I received a notice from MOHELA dated XX/XX/23 stating that my Income Driven Repayment ( IDR ) plan request has been approved. The notice stated that my monthly payment would be {$430.00} and this plan would go into effect on XX/XX/23. The notice said nothing about my SAVE request being denied or rejected. 

As of XX/XX/23, I had not received any communication from MOHELA about my return to repayment. I decided to both send a message to MOHELA and call the customer service line. I waited on hold for about 1.5 hours. 

When I spoke to an agent, I was told the following : ( 1 ) My account was placed in administrative forbearance at the request of the Department of Education. The agent could not provide any further explanation about why the Department of Education made this request. ( 2 ) I was told that I would continue to receive credit for qualifying payments for PSLF purposes while my account was in forbearance. ( 3 ) I was told that MOHELA had rejected my SAVE repayment plan request. The agent could not explain why the request was rejected, when it was rejected, or why I never received notice that it was rejected. ( 4 ) I was told that MOHELA would re-submit my SAVE repayment application and that it should be processed in about a week. In total, I was on the phone for about 2.5 hours. 

I received a notice from MOHELA dated XX/XX/23 stating that my recent request has been received and is expected to be processed within the next 90 business days. I do not know what request this is referring to, but I assume it is the re-submitted SAVE repayment plan request. 

Finally, on XX/XX/23, I received a response to my XX/XX/23 message to MOHELA stating that MOHELA assumed my inquiry has been handled. 

At this time, I still do not know : ( 1 ) why my account was placed in forbearance ; ( 2 ) when I will have to resume payments ; ( 3 ) how much my payments will be; ( 4 ) why my SAVE repayment plan was rejected ; or ( 5 ) whether my SAVE repayment plan request has been resubmitted.

I would appreciate answers to these questions right away.
Product: Money transfer, virtual currency, or money service

I'm writing to express my concerns regarding Zelle 's hadling og disputes, particularly in light of recent CFPB lawsuit highlighing significant issues with the platform. Despite using Zelle nummerous times and repoting 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 repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and trasparancy is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Attempted to freeze my credit in late XXXX via their site, sent all the pertinent info and the site said it had frozen my credit but that I needed to open an account to confirm or make any further changes. Attempted account creation multiple times until site finally said it was submitted. Received no email confirmation and no further interaction until an UNREQUESTED credit report showed up in my mailbox " for XX/XX/year> '' ( report # XXXX ). Attempted to contact company again since there was no account info attached. Was unable to get in contact with useful entity so I sent complaint via XXXX XXXX XXXX XXXX person said they did not have enough info to confirm my identity or freeze my credit despite sending me a very sensitive credit report with all my bank info and the site having told me my credit was, in fact, now frozen. Tried again to send identity documentation to their site on XX/XX/XXXX and again was told it was submitted but got no confirmation or account info. 
My time and energy are being wasted in addition to me feeling very unsafe interacting with this callous company.
Product: Money transfer, virtual currency, or money service

On XXXX Paypal/XXXX  submitted and approved an unauthorized charge to my bank account, not my Paypal account. This transaction was in no way authorized by me. The amount should have come from Paypal not our bank account. XXXX is using this means in order to collect the Paypal fees for the transaction. It appears to be fraud on a massive scale as many other users online report similar issues. I sold an item on XXXX, the buyer asked for a refund, and then never returned the product. XXXX then took the money from my bank account. So now I'm out the XXXX fees, the shipping costs, and the item. I would open a criminal inquiry if I could.
Product: Mortgage

My mortgage was sold to BSI Financial Services. I am in the middle of a flood claim and have a check from my flood insurance company, but it has to be endorsed by the mortgage company. BSI refuses to answer any phone calls or email me back, and I have been unable to speak to them, and in the meantime I owe TENS OF THOUSANDS of dollars to my flood repair specialist that I can not pay because I can't cash the flood insurance check without BSI 's involvement.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was submitted for XXXX  XXXX XXXX listing incorrect information namely the high balance on the account and also the open/ close dates and date of last payment I believe were and still are reporting incorrectly. I sent in a handwritten dispute through US certified mail to Transunion On XX/XX/XXXX and specifically listed the inaccuracies reflected on this particular account which I named above. ( Dispute letter is attached ) Transunion received the dispute on XX/XX/XXXX according to my return receipt. Today XX/XX/XXXX I spoke with 2 representatives from Transunion over the phone. I was told by the rep XXXX who stated he was a senior supervisor. Informed me the the account from XXXX   XXXX XXXX that the dispute had been completed and that not only was the information I requested be reviewed was not updated at all. It was also updated on this account that I am now in a charge off status and that I now have a past due balance of {$1100.00}. There were also updates XXXX incorrect ) saying that this account was included in a dismissed bankruptcy, also incorrect it was included in Bk docket # XXXX XXXX XXXX IA Bankruptcy court. This debt has been discharged since at least XX/XX/XXXX. When I questioned the representative XXXX about this blatant misinformation he stated to me it was nothing he could do that XXXX reported the information as updated and it would remain as such. He stated to me he had access to the US government website that has all bankruptcy information. He stated to me that it was not PACER however, that it was something only a credit bureau could access. He told me if I had anything else to discuss or dispute about the account it would have to be done directly through the creditor XXXX. Representatives are very hard and difficult to work with at Transunion and they often outsource the calls to overseas locations with representatives giving out completely inaccurate information. I had to specifically ask for an American representative in order to get this information. I also stated in my letter to Transunion to actually send me something with validation from the creditor XXXX, like maybe a contract, printout of charges, interest charges, as to how they came up with this balance of {$1100.00}. With that being said XXXX still updated this account with inaccuracies and at this point they are in direct violation of the FCRA by reporting inaccurate information. Transunion isnt being helpful with getting this fixed either they can see this account was included in a discharged BK however even knowing that they are letting this information remain on my credit report. It seems like disputing things dont mean much if they only go with what the creditor is reporting and not having any type of validation or proof that whatever this creditor is reporting is accurate. It seems as if whatever the creditor reports thats what stays no matter if u have clear proof in which I do proving this account is reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft. I recently obtained a copy of my credit report from the Credit Bureaus, and upon reviewing it, I discovered several accounts and inquiries that I do not recognize. 

The unauthorized accounts listed on my credit report include : XXXX XXXX # XXXX Opened on XXXX for {$480.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$570.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$840.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$580.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$140.00} XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/22 for {$640.00} Original Creditor # XXXX Opened on XX/XX/22 for {$850.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$1100.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$470.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$400.00} XXXX XXXX # XXXX Opened on XX/XX/22 for # XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$260.00} I have never applied for or authorized these accounts, and they do not belong to me. Furthermore, I have not received any communication from the respective creditors or lenders associated with these accounts. This leads me to believe that my personal information has been compromised and used fraudulently by an unknown individual. 

In addition to the unauthorized accounts, there are also several credit inquiries listed on my report that I did not initiate. These inquiries have negatively impacted my credit score and may be related to the fraudulent accounts. The unauthorized inquiries include : I have attached a copy of my credit report with the disputed items highlighted, as well as copies of my government-issued identification and proof of address for your reference. 

I am requesting your assistance in investigating and resolving this matter promptly. Please initiate an investigation into these fraudulent accounts and inquiries and remove them from my credit report as soon as possible. I also request that you provide me with written confirmation of the actions taken to rectify this issue. 

I understand the importance of maintaining accurate credit information, and I am committed to cooperating fully to resolve this identity theft issue. If you require any further information or documentation from me, please do not hesitate to contact me Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit report to its accurate and rightful state.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling 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 unfeasable. The CFPB 's findings indicate that Zelle had not only neglected to protect consumers but had allowed repeat offenders exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX  Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, last verified, closed date, and last payment. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, date of last activity, balance Owed, and creditor type. 

Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor XXXX. 
XXXX. XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in XXXX XXXX Code XXXX. Additionally, I referenced XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under XXXX XXXX XXXX XXXX, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

i owe this finance company and I have never told them I will not pay, its just my financial situation is not very good and have not been able to pay them and they keep harassing me to my work and calling me from different numbers leaving messages without identifying who they are. they have also threatened to come to my job
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I placed a complaint : Complaint Number XXXX. Experian Credit reported a residential address to my Auto Insurance company XXXX XXXX. The residential address was incorrect. I spent the rest of XXXX trying to get this corrected and reported to my Insurance company. XXXX XXXX uses Experian credit to obtain reports that are used to make financial decisions. I have spoken with the company and I have faxed the company. I am not able to access Experian 's website and obtain a current Credit Report. 
Experian has cost me {$1000.00} to date. 
I am seeking a resolution that requires Experian to notify XXXX XXXX  of my residential address which is XXXX XXXX XXXX, XXXX, MS XXXX. I have lived here for over three years.
Product: Checking or savings account

I signed up for an Albert account on XX/XX/XXXX using a referral link. I received a {$500.00} bonus on XX/XX/XXXX per the bonus terms. The terms were to receive a direct deposit every 30 days for 90 days as well as spend {$100.00} on the debit card every 30 days. 

I referred my wife for the same {$500.00} bonus on XX/XX/XXXX after signing up, and have provided Albert with the sign up link used by her. The link is : https : //app.albrt.co/YHrnLvPrfpb. 

She has completed all of the requirements of the original terms and has not received her bonus. I have also not received my bonus per the offer terms. 

XX/XX/XXXX : My wife contacted Albert XX/XX/XXXX : They replied to my wife that there is no evidence of a referral link being used and to have the person who referred her to contact them. 

XX/XX/XXXX : I contacted Albert, they said they will look into it and thank you for the patience. The agents seem to be different each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX XXXX
Product: Debt collection

ARS ACCOUNT RESOLUTIONS INC. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me the following 4 collections for the last few years. 

1.Account # XXXX for {$990.00} 2.Account # XXXX for {$940.00} 3.Account # XXXX for {$1500.00} 4.Account # XXXX for {$860.00} The collections have been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've been actively disputing these charges since last XXXX, and was able to get them removed from my credit report later last year due to them not being able to verify the debt. Unfortunately they were reinserted without notice or verification. This last dispute was the final straw. As they continued to send me no proper verification. These charges are currently on my XXXX and XXXX but not on XXXX. Its been a mess.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach that has compromised my personal information. As a result, I request that the following accounts and inquiries be blocked and deleted from my credit file as required by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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