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

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Social Security # XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consist of auto loans, auto insurance ( collections ), and credit cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

Late XX/XX/2022, met with Bank of America representative to close account and receive refund of my IRA. 

XXXX telephoned Bank of America as recommend by representative and was advised that she would close my IRA account and mail to me a refund of me deposit. 

XXXX having received nothing from Bank of America, telephoned again and again advised my account would be closed and a refund of my IRA account mailed to me. 

I received a letter from Bank of America, dated XXXX, advising me that they were unable to process my request as the funds are currently on hold. 

XXXX I sent a letter to Bank of America requesting information as to the hold and to refund to me my IRA. 

XXXX sent another letter to Bank of America again requesting information related to the hold and to refund my IRA to me. 

To date, I have received nothing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .... Balance : XXXX ; XXXX XXXX & XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; ENHANCED XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlighted significant shortcomings with the platform. Despite using Zelle on numerous occasions and reporting transaction discrepancies, my financial institution and Zelle failed to thoroughly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was impractical. The findings from the CFPB reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud and scams. This level of inaction and lack of transparency is deeply troubling and raises serious questions about the platforms commitment to consumer protection and safety.
Product: Student loan

Student loans are not the only loans that I got. That is why I would like to talk to someone at EDFinancial, but no one answers my phone calls or chats. Also, they do not have any email addresses to write to. I need another flexible payment plan to be offered to me. I would like to talk to someone from EDFinancial.
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Product: Student loan

While attending XXXXXXXX XXXX I was asked to leave the school XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had nothing to do with me however they continue to accept loans under my name I believe that may be corrected I'm not sure and in 2012 a federal judge deemed me XXXX and put me on XXXX my contract states that if I am XXXX at any point in time I was released of the loans I have produced this paperwork from the Physicians to say XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will not be going back to work we have done this five times they continue to report that I owe this money when I have fulfilled my obligation and produced all the paperwork and they continue to destroy my credit again I have done this with this company five times I do not know how to get this removed from my credit nor do I know how to get this company to leave me alone I am on XXXX I received {$840.00} a month XXXX XXXXXXXX I can not afford to pay no student loans please help me fix this thank you the company is navient
Product: Credit reporting, credit repair services, or other personal consumer reports

Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance as {$10000.00} and a balance owing of {$16000.00} and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account
Product: Debt collection

I am a victim of identity theft. My ID and wallet was stolen and several accounts were opened in my name. I have never had service or done business with XXXX or any of XXXX 's subsidiary companies. I contacted XXXX and the address they had service is not an address I have lived, worked or had any association with. I have filed a police report with the XXXX police department. The report number is XXXX I have attached letters from other creditors showing their investigations and the results of the investigations. I have also attached a copy of my photo ID.
Product: Debt collection

I got a notice for a service that was provided for my XXXX, My XXXX is double insured and there should not have been a payment that was due. I have reached out to the original creditor requesting for this to be bill through the secondary insurance as they did not bill both insurances. I have also contacted both insurance companies as well and informed them that I am getting bills for something that I shouldn't be getting them. I have not received one phone back from XXXX XXXX XXXX. or heard back from their billing department as well.
Product: Debt collection

I have never done business with this company and they repeatedly call my phone multiple times per day and sometimes call from different numbers. I have let them know they have the wrong number and to stop calling my phone but they consistently call every day. 

Some other numbers they use are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CENTRAL STATES RECOVER XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

Midland debt collection agency has called me everyday for the last month looking for someone named " XXXX ''. They continued to call even after I told them that I was not XXXX. Twice they used *67 to block their phone number so it would say restricted, then would ask for XXXX when I answered. They also spoofed their number on multiple occasions. My number is on the federal do not call list and they continued to call after I informed them of this. They calls started onXX/XX/XXXXand continued everyday across multiple different numbers sometimes multiple times a day.
Product: Credit card or prepaid card

a PAYMENT WAS SENT AND WAS SUPPOSE TO BE RECEIVED XX/XX/2019. tHE PAYMENT HAS NOT POSTED TO THE ACCOUNT YET.
Product: Debt collection

To whom it may concern, About two weeks ago, I saw in my credit report a record like this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$260.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I realized " XXXX XXXX XXXX  '' was the apartment I moved out half year ago. But I never receive any notification about this payment. Not in the form or mail or phone call or email. I contact " XXXX XXXX XXXX '' immediately for this, it was a move-out fee. It was a reasonable charging and I emailed the check for payment immediately. But I do dispute the collection shouldn't be on my credit report for two reasons 1 ) " XXXX XXXX XXXX  '' didn't notify me properly. And I didn't receive my acknowledgement for this payment. And they turn it to " XXXX XXXX XXXX XXXX '' without my knowledge. 
2 ) " XXXX XXXX XXXX XXXX '' didn't notify me properly either. And I didn't receive any email or phone call. And when I try to dispute with them for this. They said it past the deadline I can dispute, since the account is opened on XX/XX/XXXX and this is XX/XX/XXXX. But how can I dispute a debt I didn't even know? 

To summarize, " XXXX XXXX XXXX XXXX '' didn't notify me properly on this, and they never got my acknowledgement until around XX/XX/XXXX. From that time, I tried to dispute with them, but they said it can not be disputed since it passed the deadline. So my right of being notified of the existence of the debt and my right of dispute is not being respected.
Product: Vehicle loan or lease

I purchased a car through USAFS in XXXX. I was sold a warranty contract that was never paid for by them. They went out of business and transferred to a debit collector and they started my entire loan completely over. Tried to repossess my car. Never took any money off for the XXXX warranty I was charged for. Did not compensate or take money off for warranty breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted on XX/XX/2022 that I had an inquiry from TransUnion that XXXX XXXXXXXX XXXX pulled my credit. And on XX/XX/2022 I was alerted that TransUnion was pulled a second time for an inquiry for XXXX XXXX XXXX which is also not mine. And XXXX was also alerted on XX/XX/2022 with an inquiry from a company with the initials of XXXX. And not to mention on XXXX I was alerted with an increase from XXXXXXXX XXXX I have no idea where these inquiries come from and I would like them removed please as soon as possible
Product: Checking or savings account

XXXX eToro USA and XXXX should be financially responsible for fraud committing against customers. 
XXXX eToro should immediately allow customers to have their available funds, especially when closing the account. Under paragraph XXXX of internal policy, eToro can not stop customer to close and withdraw available funds.

Instead eTORO USA does : XXXX pretends customer phone will not work to send verification code XXXX limits customer or restricts under false investigation to use available fund for internal trading. 
XXXX. Delays as far as possible pay outs and more frauds committed. 

i have raised XXXX tickets per day and the marked as resolved. how is it possible if I still dont ' have fund received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$920.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

They are calling me multiple times per day, XXXX times in a week. It seems like harassment the account of times they will call each day. They also will try to take the money out of my account more than twice. Attempted to withdrawal from my account XX/XX/year>, XXXX, XXXX and XXXX for {$570.00} was attempted on my debit card. Kansas law states they can only try it twice with my authorization and need reauthorization from me to make more attempts. They have been predatory towards me for years I haven't been able to pay off my loans and get harassed by them.
Product: Student loan

On Friday, XXXX XXXX, I called my servicer, EdFinancial and requested a refund for payments made since XX/XX/2020 ( during the COVID-19 pandemic pause ) as Federal Student Aid resources including EdFinancials site said I was entitled to since I paid during the pandemic. The refund was in the amount of {$4000.00} ( which would bring my loan balance back up to $ XXXX. ) XXXX this refund request process has been an option for years, I was told that the refund, however, would take more than 6 months to be sent to me. After hearing that other XXXX borrowers called but found out the requests werent filed properly, I tried contacting them by phone and email the following Wednesday and have not heard back and had issues getting through on the phone lines. When I tweeted them, the reps on XXXX claimed they had no details on the loan discharge program which wasnt what I was asking about and clearly a scripted answer. When looking at tweets from them and information on their sites/public information, there isnt a clear explanation of why theyre taking so long to deliver back my money when other servicers are easily doing it for other federal borrowers in a matter of months. 

When I look at my account and in my email inbox, theres zero record of the request or confirmation of it and my balance is still showing what it was before I called to ask for the refund. However, Ive heard many others with XXXX who were also told the payment would take 6+ months have started to see the refunded balance on their accounts and gotten proof of refund processing. I have also heard that servicers are processing these in a much shorter time, so XXXX handling of this and refusal to add this transparent information/confirmations to my account and the accounts of other borrowers is very suspicious, even during the high service volume times.