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

My name is XXXX XXXX and my phone number is XXXX. 
On XX/XX/XXXX, I went to Chase Bank, located at XXXX XXXX XXXX, XXXX XXXX, NY to obtain a customer 's check for {$1.00}, XXXX from my account in which the funds were available. I received the check from one of the Tellers and noticed that the information that was given on the check was incorrect ; I then brought it to the Teller 's attention who then reissued another check with the correct information and amount. 
On the evening of XX/XX/2020, after reviewing my account, I noticed an unauthorized transaction. On the following day XX/XX/2020, I went to the Chase Bank at the address listed above and spoke to one of the representatives by the name of XXXX, who after reviewing the account, explained to me that the Bank had made a mistake by not debiting my account after issuing me the check. I also spoke with the Branch Manager who also confirmed and admitted that it was an error on the bank 's end. I was unaware of error on the bank had made since the check was given to me. 
I spoke to the branch manager who told me that, there is nothing that she could do to help me. As a customer, I feel helpless because this blunder made by the bank has left me with a negative of {$1100.00} and some change. This is affecting my rent because it is the end of the month and all my money is gone. I am very disappointed because the bank is not complying with regulatory rules like Regulation E and I feel as though they are taking advantage of their clients.
Product: Checking or savings account

I have XXXX letters stating that XXXX separate accounts are overdrafted from BMO. BANK. I have never had an account with this bank. One says overdraft XXXX account ending in XXXX. The other account is overdrafted XXXX ending in XXXX. This is fraud. These are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDITREPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXX/XX/XXXX
Product: Debt collection

JP Recovery Services has sent me a letter attempting to collect a medical bill for allegedly {$70.00} for XXXX XXXX. I do not owe this amount and the debt is not valid. Insurance coverage does not require a copay for these visits. This is incorrectly billed to me. Furthermore, the XXXX XXXX misdiagnosed a medical condition from XXXX XXXX thru XXXX XXXX. The malpractice has resulted in : - Visits that do not require copay ( but I was billed incorrectly for ) - XXXX XXXX XXXX
Product: Credit card or prepaid card

We used XXXX XXXX XXXX service to advertise a B2B service of our company. After getting wrong calls, for example someone calling to order a fast food package, or printing puzzles, etc, I called XXXX to complain on XXXX XXXX, XXXX. The representative, which by the way was recorded, said that since I wold have no control over the keywords in XXXX, we should switch to XXXX from XXXX XXXX. I said ok, and that we need help in cancelling the account and help with signing up with their other service. I never heard back from that representative, which I was hoping will be via email or phone call. After a few days, I noticed that we were still being charged and that the amount was increasing without our consent. So I complained to Wells Fargo, and was assured help with this dispute. Then, today I got a call from their dispute department saying that they have received a letter from XXXX that all my claims are untrue and that I have only until Monday to help provide proof. I told the representative that I have the calls recorded that will prove that I complained that I was told I have no control over my XXXX account. But the Wells Fargo rep kept saying we can not use that. If I can not than it is very unfair that I am not being given a chance to prove that I tried resolving the matter with the merchant and the credit card company.
Product: Credit reporting or other personal consumer reports

Transunion : These debts is considered a Charge Off. However, this actually considered income because I should have received a 1099c in order to account for this as in come. This is not a Charge Off I'm requesting these to be removed because it's not debt. This is considered income and income should not be reported on your credit report. XXXX XXXX # XXXX, Capital 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 or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX 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 XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

In XX/XX/ I made a payment arrangement for {$55.00} after telling the representative at ACSI ( XXXX ) I could not pay at this time. 
While she tried to be helpful we came to an agreement that was for that amount and to call back in XXXX to continue that arrangement. 

The story changed in XXXX when I spoke to her and I was told my account would be sold to another agency, that I could now only pay over {$100.00} because I had agreed to pay the remaining large amount. That amount being over {$500.00} for a cell phone issue that was not even supposed to be reported to them yet. I already know that collections tell you things to get the money but I was so misinformed about the hardship ending in XXXX in the way she relayed the story. 

I promptly returned that call assuming we would continue that said {$55.00}, During covid and hardship troubles I was NOT told to my remembrance that the hardship was ONLY for 3 months! This was very troubling to now hear this. 

As her and her supervisor did not offer that option they were adamant they mentioned I could not have another hardship and they would not even look into it. It took me so much time to even get her supervisor as she aggressively would not transfer me. They both lacked empathy, used very aggressive voices and continuously spoke over me repeating the same price they now said I needed to pay. While I truly want to make payments I was baffled by their aggression over my account! They were far from kind. 

I was then told they were reporting me to the credit bureau and they would write refusal to PAY! 

This was a horrendous experience and I was so happy with my budget to get the arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost, I did not give permission for XXXX or any other company to give my information to any third-party agency. XXXX did not obtain permission to give my information to XXXX XXXX XXXX or Equifax. Secondly, I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The Original Balance has always been reported incorrectly. Equifax did not do what is required, make sure that all information is accurate before placing it on my credit report as well as investigating all information when disputed. The wrong Original Balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights. I have uploading supporting documents to my complaint.
Product: Debt collection

I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 IC SYSTEM XXXX XXXX XXXX XXXX. XXXX, MN XXXX ACCOUNT # XXXX AMOUNT : {$1400.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.
Product: Mortgage

I received a letter from NewRez that my interest rate was going up. I received the letter about two years ago. The letter stated that my interest rate was changing from 3 % - 6 % to 4 % -9 %. I have contacted the company several times and was given the excuse of not knowing what my interest rate and that was the rate they were using for the loan. I have lost the letter they sent me for the change. I have tried to get a copy of the letter. They always tell me the letter is on the way but I have never received it. 

This company must have had some problems because they have changed names several time. My original loan was with XXXX XXXX. They sold the loan to Green Tree that became Ditech that became New Rez. When they purchase the loan the rate was 2.25 %. When XXXX XXXX wrote the loan the rates were dropping and the best way for me to get the lowest rate was to write it up with a variable rate with a 6 % cap. Every since Ditech / New Rez acquired the loan the rate has gone up. They have collected interest money outside the parameter of the contract.
Product: Money transfer, virtual currency, or money service

Cash app hacked and email and phone changed by scammer who took XXXX out of my account. Cash app already had a class action lawsuit against them for allowing their customers to be hacked and refusing to refund the money attached is my police report
Product: Mortgage

THIS IS A ADDITION TO PRIOR COMPLAINT TO CFPB # XXXX I NEED TO UPLOAD THE PROOF FROM THE TAX OFFICE OF REFUNDS THE TAXES I PAID SENT TO THE TAX DEPT AT PLANET HOME LENDING THEY REFUSED TO ACCEPT IT FOR THE SOLE PURPOSE OF ADDING FEES PUTTING ACCOUNT IN A PROBLEM THAT THERE IS NO RECOURSE OTHER THAN TP FILE ANOTHER COMPLAINT I CAN NOT CONTINUE PAYING TAXES THAT GET REFUNDED BACK TO ME AND THE LENDER WHO DOES NOT ALLOW MY PAYMENTS TO POST 90 DAYS SOMETIMES AFTER TAX IS PAID PLANET KNOWS THAT REFUSES TO ADDRESS THE ISSUE .ALL OF THE LETTERS FROM THE TAX OFFICE SHOWING THE {$700.00} CREDIT XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$650.00} + {$380.00} FROM MYSELF AND THE {$760.00} XX/XX/XXXX NO WAY IS A ESCROW ACCOUNT {$1200.00} ON XX/XX/XXXX I PAID {$54.00} TAX OFFICE SHOWS MY PAYMENTS REFUSE TO CORRECT EVEN WITH PRIOR COMPLAINTS TO CFPB EVEN WROTE LETTERS THAT WERE NOT TRUE
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had two fraudulent hard inquires on my credit that I did not initiate. One is from US Bank on XXXX  and the other is from XXXX XXXX XXXX. I have no idea where these come from and did not try to open any new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts per UCC Article 9 and FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the following accounts on my credit report, which I believe to be fraudulent and not authorized by me. In accordance with the Uniform Commercial Code ( UCC ) Article 9, I am invoking my right to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ) and further supporting this claim with my FTC Identity Theft Report, which I have enclosed. 

The accounts in question are : 1. XXXX XXXX XXXX XXXX Account # ending in XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX 2XXXX XXXX XXXX Account # ending in XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account # ending in XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX 4. XXXXXXXX XXXX XXXX Account # ending in XXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX Account # ending in XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Per UCC Article 9, section 9-625, a secured party must correct erroneous information on a debtors record. I demand immediate removal of these fraudulent accounts from my credit report as they violate my rights under UCC 9-625 and FCRA section 609.

I have already filed a report with the FTC ( Report ID : [ XXXX ) and local law enforcement regarding the identity theft associated with these accounts. Please note that the presence of these fraudulent accounts is severely impacting my credit score and financial standing. I request these be investigated promptly and the results sent to me within the required 4 business days window.

Please update my credit report to reflect the correct information and confirm the removal of these fraudulent accounts in writing. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX
Product: Student loan

I am writing because, in the very early morning hours of XX/XX/XXXX I paid {$17000.00} toward my outstanding student loan debt ( see Exhibit A, account history by EdFinancial ). Later that morning, I received an email from the Department of Education informing me that I was eligible to have my student loans forgiven ( see Exhibit B ). I immediately contacted EdFinancial to state emphatically that I did not want to opt out of IDR forgiveness ( see Exhibit C ). 

Since then, I have been unable to obtain accurate information about when and how I will receive the refund of the {$17000.00} I paid on XX/XX/XXXX XXXX Exhibit A seems to indicate that the monies have been refunded, but that is not accurate. The Federal Student Aid website states that I will receive a refund through the same method through which I made my payments ( electronic ) ( see Exhibit D, printed on XX/XX/ ), but that is not accurate. The Federal Student Aid website also lists my loan balance as {$0.00} ( see Exhibit E ), when it is in fact XXXX 

I have had several emails from EdFinancial stating that the refunds will be issued by the Department of Education and the U.S. Treasury ( see Exhibit F ). Most recently, I received an email from EdFinancial directing me to go to XXXX  in search of information about my refund ( Exhibit G ). It was of no help at all. 

I very much need the refund of {$17000.00}, as soon as possible. Please advise what I can expect, and what steps, if any, I need to take to obtain the refund as soon as possible.
Product: Student loan

The FedLoan Servicing has done nothing but pass my umber out to a debt collector without attempting to respond to any of my issues toward payment plans, etc. Up until three weeks ago I was unemployed with a XXXX loan of upwards {$800.00} a month without including the now {$300.00} for FedLoan ( which I did n't even know I had until I received a monthly email starting a few months ago ). I can not afford to pay this and instead of attempting to make any rectifications towards this matter they passed my personal unlisted cell phone number to multiple numbers and now I am solicited for payment without even understanding why they wo n't work anything out.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting closed and delinquent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ( collection agency ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have requested via the collections agency and credit agency 3 times to provide information no repones just came back verified and 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 a 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft please see attachments I have included with this case and completed identity theft affidavit Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) Which information must be removed within four business days of receipt Understand under ( 15 USC & 1681B ) gives me the power to control everything on my report Im again understand this company will be held criminally liable for aggravated identity theft pursuant to ( 18 USC 1028A ) Extortion theft by deception, securities fraud, and mail fraud. upon the receipt of the documents herion and of this notice you are hereby notified pursuant UCC 1-2021. Your prompt attention and response are both requested in required This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 

15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Account : XXXX XXXX XXXX XXXX Account number : XXXX Open date : XX/XX/2021
Product: Money transfer, virtual currency, or money service

A XXXX XXXX XXXX XXXX, XXXX XXXX, desired to purchase a new piece of construction equipment for our XXXX, but growing business. We had searched auction sites and advertisements for used construction equipment for weeks. We came across some advertisements for used XXXX XXXX, and we reached out to the seller and indicated our interest. 
A sales representative, or so we thought, contacted us about the piece of equipment that we were interested in. The seller sent videos, photos, website information, serial numbers, XXXX, and other information that all indicated they were running a legitimate business. 
We moved forward with the purchase of the piece of equipment and the seller sent us the executed contract in exchange for a wire transfer in the amount of {$73000.00}. The money was wired, and shipping information was provided. However, the shipment kept getting mysteriously delayed and never actually arrived to the project site. Weeks went by and the seller has disappeared, along with our money, and we have completely lost contact. 
I went into the XXXX, Wells Fargo branch, where I originated the wire transfer, on XX/XX/XXXX. I met with XXXX who is the XXXX of the XXXX branch. XXXX indicated that there was little that Wells Fargo could do, even though the account I transferred the money to was another Wells Fargo account. They indicated that I was likely just out of luck. 
A bank should be able to retract funds in the event of fraud.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed or omitted as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National Credit Systems has reported information to the credit bureaus that is inaccurate based upon an alleged debt with XXXX XXXX XXXX, which I do not owe. The apartment complex had claimed that I owed for damages disclosed on the move in checklist, as well as a host of other fees, which I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score.

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 : A consumer reporting agency can not furnish an account without written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX