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

I had my identify stolen and multiple unauthorized transactions were made on my Chase bank account. One of these transactions was a wire transfer that Chase has not yet corrected. 

On XX/XX/2022, an unauthorized wire transfer for {$20000.00} was made to XXXX ( XXXX XXXX XXXX  ). As soon as I found about this unauthorized transaction, Chase was notified and a police report was filed. 

Filed a claim with Chase on XX/XX/2022, claim number XXXX Despite waiting several months and spending numerous hours on the phone with Chase and their fraud department, I have not yet gotten my money back and they are not helpful with resolving this matter. The chase fraud department told me that there is nothing they can do and they can not reverse the transaction. Chase also has not yet been able to contact the recipient bank ( XXXX XXXX XXXX  ) and Chase told us to get our own lawyer to get the money back.
Product: Money transfer, virtual currency, or money service

My paypal account registered with email : XXXX has been locked an unable to withdraw my total balance of {$1200.00}. From my knowledge someone who paid me requested their money back cause they havent got product so it froze, HOWEVER .... He deleted his dispute because he got the items they were just a little late. that buyer was ( XXXX XXXX ) ... ... My question now is, WHY CANT I ACCESS MY FUNDS?? He got his product and he revoked the claim. So why is my account still frozen? I need my money asap.
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 XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF HARD INQUIRIES TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX These several fraudulent hard inquiries and appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Debt collection

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I saw XXXX XXXX XXXX XXXX XXXX  who finally requested a XXXX which was performed by XXXX XXXX, XXXX. The results indicated XXXX, however, after seeing a XXXX XXXX he denied it and diagnosed the problem as XXXX XXXX XXXX. I contacted XXXX, my insurance company disputed the diagnosis and was told by XXXX to go to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX would be covered by XXXX. I did so in XX/XX/2020 and this was the ONLY time I was at XXXX XXXX. I do not recall if they did XXXX  however, they did nothing for me and referred me to XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I saw XXXX XXXX and he performed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I heard nothing from XXXX XXXX until almost a year and a half later when I received a bill for {$130.00}. I called their office and spoke to XXXX who informed me it would be written off as the insurance company would pay it. I ADAMANTLY DISPUTE this bill, which is almost two years after the one time I went to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I mailed out letters informing XXXX, Equifax and XXXX  of bad information showing up on my credit report. I let them all know this information was wrong and they needed to do a proper investigation these credit bureaus allow these creditors to place this wrongful information on my file they completely ignore me never respond to me. After being completely ignored I sent letters demanding they reply and fix these inaccuracies on my report that was on XX/XX/2021. I even sent them all letters on XX/XX/2021 stating I would report them to the team here at CFPB. They have continued to ignore me I feel like they are trying to ruin my life its just unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of yesterday I have made another attempt to show proof to Selene with no help or resolution. I am attaching the files to show that I have never been late and I have made extra payments when they call me to harass me about my payments being late. The payment in XXXX will show proof that Selene processed my check on the XXXX but did not deposit until XXXX. Someone is Selene is responsible for not doing there job and I have take the fall of their error. XX/XX/2022 is when they are saying i was late. Also if that was the case then you would see that i have made 3 extra payment to stay ahead and I somehow seem to still be falling behind.
Product: Vehicle loan or lease

Pinnacle Financial is an auto loan account that was transferred from another company around XX/XX/XXXX. 
Pinnacle Financial constantly calls me at work before, during or after due date of my payment. 
Pinnacle Financial sends daily text messages ( without my permission ) to my phone to remind me of my payments, before, during or after I am late.

Pinnacle Financial contacts me several times per day.

Pinnacle Financial calls at odd hours of the day.

Pinnacle Financial sometimes contacts me even when my bill is current and up to date.

I contacted Pinnacle Financial to voice my concerns explaining that I was not happy with the frequent calls and text messages. The Customer Service Representative on XX/XX/XXXX refuse to allow me to speak with any supervisor to the point that I had to disconnect the call.I called Pinnacle Financial again the same day and spoke to with another customer service rep.The representative proceeded to say that I was avoiding calls from them and that I was irresponsible. Although I have a fairly satisfactory payment history with the company. To avoid speaking with me further she abruptly without notice transferred the call to someone else. A man came on the line yelling " XXXX . XXXX! ", I then disconnected the call. My prompt to call the company was that I just made a full months payment for the month of XXXX on XXXX that was only 2 days late. I had received an text message that I owe a new amount in one more day. I feel that the constants calls and text message are excessive. This has been occurring from the moment the account was transferred to Pinnacle Financial in XX/XX/XXXX but I have not yet complain until now from fear of retaliation. Pinnacle Financial is harassing me in the form of excessive phone calls and text messages. Please contact them regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This account is a fraudulent account, I don't recognize this account and never applied for credit with this company.
Product: Credit reporting or other personal consumer reports

significantly affected my financial well-being. Regrettably, I have fallen victim to identity theft, and attach herewith the relevant documents and a completed identity theft report that detail the specifics of this case. I implore your urgent assistance in this grave situation. It is of utmost importance that you take immediate steps to review and address the unauthorized accounts that have been falsely associated with my identity. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. C 1681 c-2 ), I request that you promptly initiate the process to bloc and eliminate all information resulting from this identity theft incident. The FCRA mandates the removal of such data within a maximum of four business days from the date of this correspondence. 

To facilitate your investigation, I have outlined below the specific accounts that I demand to be expeditiously deleted : 1. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$660.00} Please remove it from my credit report. 

2. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$860.00} Please remove it from my credit report. 

3. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$1300.00} Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. Equifax, XXXX and XXXX are governed by XXXX XXXX. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :
Product: Money transfer, virtual currency, or money service

I'm 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 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 & raises serious concerns about consumer safety.
Product: Vehicle loan or lease

The XXXX lady tried to stuff 2 products on me! A former XXXX director and mark up 2pts on me! Soon to be charge back after I refi in 20 days! That 's bad business! One thing I never did! Stuffing customers and not actually selling the products! Worse experience ever!!! Know your personnel! And your customers XXXX XXXX was the finance Mgr XXXX XXXX XXXX XXXX automotive group
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Equifax for knowingly placing inaccurate information on my credit report. I disputed inaccurate information and inaccurate inquiries. 
Equifax investigated and sent me their dispute results. They deleted XXXX collection account and deleted XXXX inquiries. But on the new updated credit report Equifax sent me. Equifax listed the same XXXX inquiries and the same collection account that they deleted from their investigation. Equifax is knowingly placing deleted inaccurate information on my new credit report. I want Equifax to be fined for this, and made to remove this information a XXXX time from my credit report. This is so outrageous. I will be enclosing a copy of everything as proof. Please view below : Inquiries removed : ( XXXX ) XXXX XXXX  DATE OF INQUIRY XXXX/XXXX/XXXX. ( XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX ) XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX ) REXXXX XXXX DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX DEALER SERVICE, DATE OF INQUIRY XXXX/XXXX/XXXX XXXX XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX Collection Account removed : XXXX XXXX, ACCOUNT NUMBER XXXX The XXXX inquiries and XXXX collection account were deleted by Equifax. XXXX XXXX XXXX and XXXX XXXX of the enclosed report. Page XXXX of the update credit report shows Equifax relisted the deleted collection account, XXXX XXXX, ACCOUNT NUMBER XXXX. XXXX XXXX of the updated Equifax credit report shows Equifax relisted all XXXX inquiries they deleted, which are located on XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please see Attached- Please help as ive been a victim of fraud my social was used for something that isnt mine.
Product: Debt collection

In the course of XXXX days I have contacted Receivables Performance XXXX times in writing and requested proof of the debt to be sent to me. I have never heard back from them. By law if they can not provide proof of the debt within 30 days, they have to remove it from the credit report and stop all collection activities.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer DOB : XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : A Auto Loan Account Opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), Installment Loan Account Opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), a Installment Loan Account Opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), a Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX , a Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport XXXX Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX , XXXX Is not my account. The credit reporting agency continues to report it. I have disputed it 3-5 times. They refuse to delete it. I have never heard of the company nor have any knowledge of the company they represent. As a consumer, I am helpless I have no way of proving its a fraudulent account.
Product: Mortgage

To Whom It May Concern : I am writing to formally request escalated assistance with my file. I do n't believe anyone thus far at SPS has properly handled my file. I became XXXX in XXXX as I was in an accident XXXX. I entrusted my brother to make my mortgage payments for me with my fixed income and he did not do that ; instead pocketed my money. If I had n't been XXXX, I would have never become behind at all. 

Seconly, I am disputing the erroneous information contained in SPS ' most recent denial letter dated XXXX/XXXX/XXXX, stating my property value is currently {$430000.00}. My property is nowhere near worth that amount and I have attached my own appraisal showing the true value of {$310000.00}, which I paid for from my own funds because I believe so highly that SPS is using an extremely inflated property valuation. I would truly appreciate it if somebody could formally re-review my package using the correct value of {$310000.00}. It should also be noted that I had sent this appraisal with my resubmission packet back in XXXX XXXX, but it seems that it was disregarded by SPS completely. I XXXX have spent money on this that I am trying to save for my mortgage if I get approved. It was hard for me to do so I would appreciate it being correctly reviewed. Please let my advocate team consisting of XXXX XXXX and/or XXXX XXXX at XXXX XXXX know if you need any further information. SPS has this information on file already, but just in case, I am again attaching my written authorization to speak with them regarding this matter. I am XXXX and it is sometimes hard for me to get out to a fax to send documents that they may already have on hand. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX  took {$870.00} for a student loan consolidation. They then proceeded to take {$39.00} a month from my account which I did not authorize. 

Chase only refunded me the last 3 months payments. 

I tried to reach out to the company to find out it was a scam, and they have just been taking my money. The number doesnt even dial out to try to reach them to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the Hospital, was fully insured, gave my insurance card at the time ( they ALSO had it on file ) Was billed anyway but was never sent a bill until it was already in collections!!! XXXX removed it, however XXXX and Experian " Validate '' the debt XXXX knows HOW but they do Proof of insurance attached as well as proof that what was done is 100 % covered!!!
Product: Mortgage

On XX/XX/2019, I enter into a payment agreement with XXXX Department of Environment and protection to pay my water bill, the mortgage servicer shellpoint made on payment to DEP on my account that they were not suppose to pay. Shellpoint increased my mortgage by approximately {$2000.00} which my month payment came from {$3600.00} to {$5300.00} which make it impossible to make payment on my mortgage, I contacted the company even offer to reimburse the payment they made on my account in full, they refuse to accept my offer to pay and refuse to reinstate my account to the original monthly payment, this makes it impossible to make payment on my account.

In addition, Shellpoint did not follow federal regulations not to report negative reporting on my credit report during COVID-19 while my account is in forbearance, the company kept reporting the payments that supposed to be in forbearance as balance increase which impacting my credit severely.
Product: Debt collection

Company is reporting debt to credit that is not mine - I have already sent a letter but not have heard from the company
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. i have not been able to obtain anythig in my name nit a place to live, utility or a bank account. this is really effecting mu livelihood. i have trouble with getring hired and jobs, my background comes back with these accounts and i cant anything by myself. please help me look into these accounts i need ro get my life back. i am only XXXX and this is holding me back.
Product: Payday loan, title loan, or personal loan

CheckXXXX N go XXXX XXXX XXXX XXXX is under suspicion of breaching my waiting list position on the section XXXX list, application date : XXXX, conclusion, does not exist on section XXXX waiting list, as of XXXX/XXXX/XXXX, XXXX years later. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX/XXXX. 

Thus, after reviewing some of the past fraud XXXX is involved in, like in XXXX, for example, I am now complaining about HOUSING fraud, check no ONLINE and my position on the section XXXX wsitknbg LIST that never XXXX. 

Thank you XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX and XXXX hospital secretaries unions and even use fedral credit union employee are employees at the lake XXXX check no. 
And also as cashiers at XXXX XXXX Shopping Mall businesses, such as XXXX and XXXX, ETC. with intent to causes screaming and yelling and malfunction double swipe cyber ATM problems There was also truancy issues and juvenile detention arrest recently at LOCAL elementary charter school schools, XXXX and XXXX.