23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Credit limit decreased after Citibank asked me to switch my credit card with them to another program called Double Cash. If I hadnt switched at their request this would not have happened by their bait and switch tactics. These people are XXXX XXXX XX/XX/XXXX times 10 for scrupulous business practices to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These items is reporting late, yet it is closed and the balance is zero as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

CHRYSLER CAPITAL XXXX Balance Owed : {$0.00} ; CHRYSLER CAPITAL XXXX Balance Owed : {$0.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sbmitting this CFPB Comlplaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have reviewed my updated credit file and found that the items in question continue to be reported, despite my previous dispute. I have previously disputed these items, but they continue to be reported on my credit file. In addition, I have not received any supporting documents from the credit bureaus indicating that these items belong to me. Therefore, I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX  XXXX Balance Owed : {$0.00} MO CHLD SPRT XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As we are all are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been inaccurately reporting myself as an authorized user for a credit card when I received confirmation on XX/XX/2021 that I had been removed. This fraudulent reporting has cost me hundreds if not thousands of dollars and negatively impacted all 3 of my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which XXXX tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. To date, I have received no updates, the accounts are still showing on my report. Per the FCRA, the bureaus have 30 days to finish their investigations, 60 days later and not only are the fraud accounts still reporting, they're not even under investigation.
Product: Debt collection

I had an XXXX  visit for a motorcycle accident I was in. An out of network physician worked on me and put in my date of birth wrong as the date of the incident. XX/XX/XXXX is the date they put as my birthday and the date of the incident was XX/XX/XXXX. 
Talking with the bill issuer, XXXX XXXX, It was noted that they submitted the claim as an auto claim instead of a medical insurance claim which caused the insurance to bounce because it should have been submitted as a medical claim. It was also noted that the issuer stated that since the date of birth was wrong this caused the insurance to bounce as well. XXXX group says they cant do anything because they sold it to collections already, even though they are the ones who submitted everything wrong. Ive called the collection company, Credit management company, multiple times and they have not came up with a resolution other than to pay the bill of {$1400.00}, which I have no right to pay.
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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have an account with Synchrony bank/JCP that was CLOSED and DISCHARGED through bankruptcy since XX/XX/2011.. I tried to contact Synchrony bank twice via letter to remove it from my credit report since it was already discharged but they refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my XXXX credit report shows that there is a lease from ( XXXX XXXX  XXXX ). For a quantity of {$8300.00}. Loan that I didnt know anything until I receive my credit report last month. Reason of why I believe that my identity was stolen and used for that. Thought I already talk to the company about it and all they said was that I had to make a police report first.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

this lease was illegally renewed, my signature was forged, i filed a police report and everything, the debt is still under my name. The debt collector has spoken with the person who's debt it is, XXXX XXXX, and they still have not taken it off my credit report and are still reaching out to me to pay it when they know it is not my debt. I have given them the police report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

Midland credit managament can not prove ownership of debt, provide itemized charge or letter from credit originator. I have contacted them three times trying to verify debt.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7900.00} XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft, which has resulted in the appearance of several fraudulent entries on my credit report without my knowledge or consent. These 4 unauthorized accounts and 4 inquiries were added to my report without my approval. 

ACCOUNTS - XXXX CRED XXXX - XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX have already filed a report with the Federal Trade Commission ( FTC ) concerning this identity theft and am now requesting the immediate removal of these fraudulent items to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American First bank of a fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX XX/XX/XXXX which was not authorized. An official dispute of this activity was sent to American First certified mail with return receipt XX/XX/XXXX however a recently reviewed credit report XX/XX/XXXX still listed the American First inquiry under XXXX. American First is now in violation of my client 's federal consumer rights as they have continued to report a fraudulent related item after receiving official information to conduct a proper investigation and removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and they was not able to help me and kept giving me the run around. All I wanted to do was take off all the hard inquiries that I saw on my credit report that I have no knowledge of due to identity theft which is hurting my score everyday
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE XXXX DIFFERENT ACCOUNTS THAT IM NOT AWARE OF. IM A VICTIM OF IDENTITY THEFT. I HAVE ALREADY REPORTED TO POLICE, IVE CONTACT MY BANK SO THAT ACCOUNTS COULD BE CLOSED AND IVE UPDATED INFORMATION FOR PAYROLL WITH MY JOB. THERE ARE TWO ACCOUNTS FOR XXXX AND ONE WITH XXXX XXXX
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 Bureau 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 : Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX
Product: Credit reporting or other personal consumer reports

The company has the wrong name and address. i sent out letters and tried to dispute various times.
Product: Money transfer, virtual currency, or money service

Long story short, I used to bank with XXXX  XXXX XXXX, and my step fathers bank account got hacked by scammers and they sent me money through Zelle from his XXXX  XXXX XXXX account. I thought it was a mistake on his end so I called him and he said to send it back, but the scammers called him acting as if they were XXXX  XXXX XXXX and they told him to tell me to send the money back through Zelle. Once i sent it, it was gone and there was no getting it back. The amount that was sent to me i didnt even have at the time so I was left with a negative balance, and XXXX XXXX XXXX and Zelle XXXX nothing to help me and lost over {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing for formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 recovery lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX  : Account XXXX has violated my rights. Or list of inquiries 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

Transunion continually refuses to take off more importantly thoroughly investigate XXXX XXXX alleged collections reporting against me. XXXX and XXXX  have complied and done there due diligence and have removed XXXX XXXX fraudulent phantom debt. I have suffered severe consequences solely based on Transunion failure to investigate this phantom debt and factually Transuion has continually lowered my credit report and when I look why it states no new change. I have suffered from the Covid-19 pandemic massive loss and continue to be impacted by the consequences of Covid-19, yet Transunion continues to drop my credit score and has refused to remove XXXX XXXX from my credit report. Transunion has single handedly destroyed all possibilities for me to take out a personal loan. There questionable business practices are destroying my livelihood and the well-being of my family.
Product: Credit card or prepaid card

My credit card was full of false charged. I was talking to fraud department of BoFA and mailed them all required information about 9 months ago and did not see any changed on my account
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Chase Bank is the servicer of a loan on my property and we are trying to sell the nieghboe an small piece of land XXXX XXXX acres from our XXXX acres XXXX. And they have been completely unresponsive to my repeated phone calls and emails. A person XXXX XXXX, in the land Transactions deptatment ( XXXX ) is supposed to be getting this done for me, however he does not ansewr his phone or email and only after I contact customer service depatment ( after 2 time ) does he respond with more information he needs and then does not follow up. I was supposed to close on this property two months ago and It is completely unreasonable that they are not fullingin g their obligation to service this loan. I have sent the {$800.00} dollars in fees and spent countless hours on this already. I need help with some resolution.
Product: Checking or savings account

On XX/XX/XXXX, I opened a bank account with XXXX. The following day I go to a different branch, and the manager kept looking at us. We told her we wanted to open a business account and to add my boyfriend with my personnel account. When I gave her the fax number she said I couldn't open the business account because my business was in XXXX  and I lived in XXXX. The manager told me there was another account under my name. I was a victim of identity theft. The manager said she added my boyfriend to the account. We went to the teller to deposit the machine, when we get to the front of the line, they really looked at the money as if something was wrong. My card was declined. I told her I was a victim of XXXX  XXXX and they wanted to know if I had any reports. I sent all the information that they needed. She said they opened the accounts and added my boyfriend. I tried to use the card and it was restricted. The next time I went to the back to deposit the money and when I walked out of the bank the card was restricted again. The called me and told me they were sorry and lifted the restriction. I received a check from a bill of sell and went to the bank to deposit the money. They said they would call and let me know when it is deposited. Two hours later, a call said the check was going to be returned. Today, I tried to use my card and they restricted my card again because they think I am doing check fraud. I have never over drafted my account. They have closed my account and I don't understand why they are holding my money. I have done nothing wrong.I been trying to get my funds and they keep saying no and when I ask for a reason they cant give me one I been discriminated by this bank over and over.
Product: Debt collection

The guy XXXX send someone to my house when only my payment was XXXX weeks late. Recently he told me on the phone that on the kind of person that does n't pay my bills while yelling at me on the phone. I told them several times that I would pay them as soon as I can my husband was very ill and almost died and I was willing to submit documentation.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account.is hurting my ability to obtain credit. It is my understanding that you wil investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX. XXXXXXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX Transunion : XXXX. XXXX XXXXXXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX : XXXX XXXX XXXX XXXX Account XXXX : xxxxxxxxxxxxxxxx XXXX XXXX. XXXX XXXX Account XXXX : xxxxxxxxxxxx XXXX XXXX. XXXX Account XXXX : xxxxxxxxxxxx XXXX