23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX account with account opened on XX/XX/XXXX and a balance of {$24000.00}. 
I previously disputed this account stating : " I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX  XXXX Revolving account with account opened on XX/XX/XXXX and a balance of {$140.00}. 
I previously disputed this account stating : " I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Collection account from XXXX with account and a balance of {$4300.00}. The original creditor is XXXX XXXX XXXX. 
I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. 
Please reinvestigate these matters and delete t Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a derogatory account from XXXX XXXX on my credit report even though the account has been paid and closed a year ago, I have sent them certified letters and have called them and yet it continues to be reported as delinquent which is hurting my ability at my job and receiving credit. XXXX  and XXXX  has already reported the account as paid and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

42 U.S. Code 1320d9 - Application of HIPAA regulations to genetic information The Secretary shall revise the HIPAA privacy regulation ( as defined in subsection ( b ) ) so it is consistent with the following : ( 1 ) Genetic information shall be treated as health information described in section 1320d ( 4 ) ( B ) of this title. 
( 2 ) The use or disclosure by a covered entity that is a group health plan, health insurance issuer that issues health insurance coverage, or issuer of a medicare supplemental policy of protected health information that is genetic information about an individual for underwriting purposes under the group health plan, health insurance coverage, or medicare supplemental policy shall not be a permitted use or disclosure. 
( 3 ) HIPAA privacy regulation The term HIPAA privacy regulation means the regulations promulgated by the Secretary under this part and section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 U.S.C. 1320d2 note ). 
I have disputes regarding information that is being reported in my credit file. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Neither Transunion, XXXX, nor XXXX can accurately validate/verify the debt owed as it is not allowed under the HIPPA Privacy Rule. 
15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and Financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX {$18000.00} DEPTEDXXXX   XXXX {$2200.00} DPTEDXXXX XXXX {$3000.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2100.00} DEPTEDXXXX XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards Experian, XXXX, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Credit reporting or other personal consumer reports

I dispute this information two days ago for the third time the credit report come back two days later and said the information is accurate I am for anything that saying my name on it to send it nothing havent been sent to me the credit reporting is not doing a full investigation on these debtXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I Had a Checking Account With Capital One. a 360 Checking Account. I Over Drafted. {$95.00}. So They Got They Money. But They Permanently Restricted Me From That Account. Because I Was Late. Paying The {$95.00}. Because I Lose My Job In XXXX That's Why I Was Late Paying The Overdraft.. So I Got a New Job. So My Paycheck. Went To This Account. On XXXX. Now They Telling Me I Have To Wait 10. Business Day. To Get My Paycheck. My Payroll Is XXXX. That's What's Left From My Paycheck. That's What They Have. Over a Thousand Dollars Of My Paycheck. I Can't Get. I Need My Check To Pay My Rent.. Please Help. These Banks Are So Bad Now.. And They Closed The Account. But I Can't Get My Money. Until 10 Business Day.OMG.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$3900.00}, {$2200.00}, {$1200.00}, {$700.00}, {$1100.00}, {$2800.00}, {$930.00}, {$18000.00}, {$4300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Capital One Auto Finance reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX, ( 5 ) XXXX XXXX XXXX, ( 6 ) XXXX XXXX XXXX , ( 7 ) XXXX XXXX XXXX XXXX , ( 8 ) XXXX XXXX  , ( 9 ) XXXX XXXX . 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies (  XXXX , transunion and  XXXX  ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) fr om my credit reporting agencies.   i would greatly appreciate
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account below, 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 Collections : Account Number : beginning in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian  Reported incorrectly as Charge off, this was paid on time and in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Account Number : XXXX XXXX Credit Card XXXX XXXX XXXX XXXX Bank/Peeble XXXX XXXX : XXXX Credit limit : XXXX Reporter : Experian Not my debt please remove Inquires : XXXX Experian XXXX XXXX : Type : Bankruptcy Court : XXXX XXXX Date filed XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$18000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get a call at least 1 time a day trying to sell me a service where they can do debt consolidation for me. I DO NOT HAVE ANY DEBT!! And I tell them this every day & ask to be removed from the list. Most of the time they pretend to put me on hold & then I get hung up on. It is maddening that they can call cell phones & not be in trouble for it. I hope that is changing. I block the number from my phone every time i get a call & they call from a new number the next day.
Product: Checking or savings account

XX/XX/XXXX XXXX charged me {$700.00} for a rental that my insurance company was to paid! I put the {$250.00} deposit down! XXXX neglected to subtract the {$250.00} that was paid and bill my insurance! I never authorized this! Huntington gave a provisional credit and then reversed it on XX/XX/XXXX. They think that I need to prove I have insurance when the problem is the transaction wasnt authorized! It is not authorized!
Product: Mortgage

The Servicer, Ocwen, had initially entertained the idea that a short sale could be done on the property. The homeowner is deceased and his wife who is NOT on the loan was the only person that could sign off on the paperwork. Ocwen however, took the short sale review all the way until the very end when we were told that the homeowner 's wife now has to file a probate case in order to be appointed the homeowner 's representative so she can sign off on any paperwork related to the Short Sale Approval ( despite the file NOT being approved just yet ). This was about XX/XX/2018. For the entirety of the time that the file was going through probate, the Escalation Department at Ocwen was fully aware that the homeowner was trying to get this probate case finalized but they started the foreclosure activity on XX/XX/2018 despite awaiting probate decision and set the date for XX/XX/18. We were able to get the date postponed to another 30 days after much resistance from Ocwen ( they let us know there was " nothing '' they could do because the Probate case was not finalized and they needed the probate paperwork in order to review the file fully for a short sale approval ). We had to get assistance from the Foreclosure attorney as well as filing a previous CFPB Complaint on XX/XX/18. As soon as the foreclosure was postponed, I contacted the short sale department and Escalation department at Ocwen to see what other documents they needed in order for the short sale review to be completed. After a whole week of no contact from the short sale negotiator or the Escalations department, I was told by XXXX XXXX from the Escalations department that the file now had to be reviewed for a loan modification. This is concerning because when the loan was taken out by the Homeowner who is now deceased, his wife did not go through the loan qualifications so to have her go through the qualifications now when Ocwen fully is aware that the wife is Unemployed and is only receiving a Pension from her husband 's death. She no longer lives in the house either and when we mentioned all these to the Escalation Department, we were told there was nothing they could do but get the loan reviewed for a loan modification since this was their rule. This rule by the way, was NEVER informed to us. Everyone who we were in contact with at Ocwen always pointed out that they needed the probate documents before they could review the short sale completely and there was never any discussion abt the possibility of a loan modification review being Mandatory. This seems to be a way to waste her time since the review for loan modification does take at least 30 days and the foreclosure date is 16 days away. We escalated everything for paperwork that we could control and Ocwen unfortunately has stalled the short sale review once again.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was informed on Friday XX/XX/XXXX, from Capital One Bank, that a personal checking account was opened in my name. This account was opened in XXXX. I explained to the representative that this account doesnt belong to me and that I never opened this account. The representative could not confirm the address of where the checking account was opened in XXXX, when I asked them to confirm it for me. Due to this fraudulent account being opened and then closed, Capital One Bank is saying that my business account that I opened on XX/XX/XXXX and went into the bank to get a letter, is now unable to be accessed fully because of the fraudulent account opened in XXXX.
Product: Student loan

After submitting income based repayment application, nelnet wants to increase my payment, even though my income is the same from last year.
Product: Checking or savings account

on XX/XX/2022 I closed an account with Wellsfargo and was provided a cashier 's check for {$24000.00}. I mailed this check to our financial management company the same day but they never received it. On XX/XX/XXXX, I met with the branch manager for my local bank and requested a stop payment on the cashiers check which they did and a replacement check. 

I was told that I had two choices : 1 ) Wait until XXXX to get a new cashiers check for free or 2 ) pay over {$450.00} now to get a new cashiers check. 

My complaint is that this should not be the case. There are no real costs inflicted to the institution by my cancelling and requesting a new cashier check. A modest fee of perhaps {$20.00} would have been acceptable but not an amount around {$450.00}. So the bak is holding my money and profiting from such holding whicle this money, vital to me, is not accessible. 

Thank you for looking into this.