23daVinci/CFPB_Complaints huggingface dataset:
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 605B ( 15 U.S.C. 1681c-2 ) 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a toll bill from New York MTA XXXX XXXX for a toll dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a notice from the MTA that the XXXX $ toll was due and there was a {$5.00} late fee also due. I submitted payment for {$8.00} on XX/XX/XXXX.This check was received and processed by the MTA on XXXX/XXXX/XXXX and posted to my checking account on XXXX/XXXX/XXXX. The MTA did not apply the payment to my account and now says I owe {$53.00}. I have submitted documentation to both TransWorld Systems Inc and the MTA several times, and they have confirmed I sent them proof of payment on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have contacted customer services at least 3x/week since XX/XX/XXXX, and customer service has transferred be endlessly between violations dept, collections, and tolls.Between TSI and the MTA, they have not been able to get organized and close out this debt. I am told something different each I call, and that it could take an additional 3, 5, or 7 business daystime, but no resolution seems near as this has been ongoing for over a month. 

I am applying for admission to the NY Bar, and the Bar has requested a final disposition as part of the application process. As this request is still pending at TSI and the MTA, I can not give the NY Bar what it is asking for.
Product: Credit reporting or other personal consumer reports

REMOVE THESE INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER HAD LATE PAYMENTS ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address the presence of fraudulent items on my credit report. Upon reviewing my updated report, I noticed that some of these items have been removed, for which I thank you. However, some fraudulent items still remain. I kindly request that the three credit bureaus remove the following fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Checking or savings account

I received a notice on XX/XX/20 saying that my checking account was closed and that I needed to transfer {$4.00} to cover an overdrawn balance. Fine, I was closing this account anyway so I transferred {$5.00}, the minimum my bank would allow, to settle this balance. This left {$1.00} in the closed account. However, Citi continued to charge a $ 30 monthly service fee, followed by a {$34.00} overdraft fee the following day. When I asked customer service they stated they don't send emails like that and that Citi would never close an account with the customers ' request, this is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with FLAGSHIP CRD, XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FLAGSHIP CRD, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Money transfer, virtual currency, or money service

Dear sirs, I buy cryptocurrencies In COINBASE.COM in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ). To do this, prove my identity correctly according to the strict requirements of that company. 

Specifically i buy XXXX in XXXX tokens. The reference code is XXXX. 

And for six months, for a reason that the company does not clarify me, my account is restricted. 

I can log, view information, change my password, etc., but I can't operate. As a result, I can not send my cryptocurrencies to a more secure wallet, or even sell or buy on my platform.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and I noticed that I have these hard inquiries in my credit report, I do not recognize these and they were not authorized to be carried out by me, this is causing me a serious problem since my credit score is falling too much due to this, below I list the hard inquiries which I need to be removed immediately from my credit report XXXX. XXXX XXXX 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 card or prepaid card

I am a victim of a gift card scam and my bank said there is now way I can get my money back because I " participated '' in the act. It all started with a call from someone who identified themselves working with the IRS on XXXX XXXX They said multiple checking accounts were opened up in my name in Texas and was used to money launder into XXXX. I was being charged with money laundering and drug trafficking. I either had to go to court in Texas and plead my innocence or corporate with a local investigation. I picked the local investigation. I told them what county I am in and then they connected with a 3rd caller who was supposedly the my county Sheriff. The Sheriff then called me to speak one on one, and when he called me it came up in my phone as the name of my County Sheriff 's office. He said we can only speak on this line because it is recorded and I can not talk to anyone about this investigation or else I would have to go to court in Texas. He said the most important thing you need to do is " XXXX '' your money. Because they were going to freeze all accounts opened up under my social security number because of the money laundering charge. In order to do this I had to buy gift cards at XXXX dollars a pop. I would then exchange them for " Government Vouchers ''. It wasn't until the second day after we didn't meet that I figured out what was going on. He had me scratch off the back and read him the account number and pin number on the gift card and then I would go back into the store, most of them were XXXX, and I would go to self checkout and grab 10 at a time. I would only ring up two at a time because there was a XXXX dollar limit. All in all I lost XXXX dollars with 97 gift card purchases. I filed a fraud claim with the real Sheriffs department and with my bank. I emptied out both of my checking accounts, both of my savings accounts, and even started selling stocks from my mutual funds. This scam really has hit me hard financially and I don't think I will be able to recover from this if I am not able to receive these funds back. I did everything I can to report this issue and notified everyone that should be notified ; to include the IRS, the FTC, my bank, XXXX, and my Sheriff 's Department. While searching online I found out that there was a lady who lost over {$100000.00} and was able to get it all refunded. It does not seem fair that she was able to get her funds back and I am not. Is it because the local news covered it and she ended up on T.V and had an article written about it. I really need help on this matter and I feel like I am not getting any, even though I reported it to all the respective parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX accounts have a charge-off status and a past due balance on my credit reports, these charge-off accounts should have a {$0.00} balance.Please update and/or delete these accounts immediately. Thank-You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I send this company a letter of validation onXX/XX/XXXX and they have fail to validate the debt. Instead they have send me a list of my medical records which I know its a direct violations of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Mortgage

My mortgage loan servicer was changed by a federal government directive. My loan was moved from XXXX to Seterus. I was told by XXXX that the terms of my loan would not change and I would not incur any expenses. Seterus wants me to pay {$470.00} for Title and miscellaneous costs. I did not request a change in servicers. It was forced upon me. Seterus is going to make {$10.00} of XXXX of dollars on the life of my loan. I will file a complaint with Seterus to waive the fees. I am sure thousands of people are experiencing the same issues with the forced change in mortgage servicers. I think it is underhanded to charge consumers fees on servicer change that was not within my control.
Product: Debt collection

I Noticed incorrect information on my credit report involving Credit Acceptance. I financed a XXXX XXXXXXXX XXXX Through Credit Acceptance priced at {$8000.00}. When I attempted to pay the automobile off, I was told that I financed a XXXX  XXXX XXXX for {$13000.00} which was incorrect. Next I began to send in documents showing the car I purchased original price alone with vent number. After being ignored by Credit Acceptance and The Dealership I contacted all 3 credit bureaus and submitted a dispute containing a payment history related to my dispute. the payment history balance different from what's shown on my credit report. I was able to make progress with XXXX but not so much with XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that OneMain Financial issue me a Form 1099-C for the charge-off of my loan account. According to my records and your reporting, this account has been written off as a profit and loss write-off. Under IRS guidelines, a creditor that cancels a debt of {$600.00} or more is required to issue a 1099-C Cancellation of Debt form. 

Furthermore, I have noticed that this account is still being reported as late on my credit report. This is inaccurate and unacceptable. A charged-off account that has been written off as a loss should not continue to accrue late payment marks. Reporting late payments on a charged-off account is misleading and a violation of accurate credit reporting practices. 

I demand that you : 1. Immediately issue and send me a Form 1099-C for the charged-off balance. 
2. Cease all late payment reporting and correct the account status to reflect the actual charge-off date with no additional delinquencies beyond that point. 

Failure to comply with these requests will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the IRS for further investigation into your reporting and compliance practices. 

I expect a written response confirming compliance with these demands within 15 days of receipt of this letter. Please send all correspondence and the 1099-C form to the address listed above. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Product: Checking or savings account

Hello - I went to pay my bills using an online banking service with USAA and when I opened the the screen I was met with the requirement to provide my personal income and net worth. USAA would not let me proceed from there without providing this information. I called and asked to speak to a USAA representative. He said the information was required by the Patriot Act. I asked what part of the act. He didn't know. 

The call was transferred to " XXXX '' who claimed to know more information. I asked why USAA wanted this information and she said USAA wants it and also it is required by the Patriot Act.She said USAA won't provide me access to my accounts to pay my bills until I fill that out. I asked if I could have her last name. She said no. I asked if I could get a direct number. She said no. I asked what government agency regulates USAA in this area. She said Consumer Finance. I asked what part of the Patriot Act required that I provide this information. She wouldn't provide this information but reaffirmed if I don't provide it I won't be able to access my accounts. I asked again if there was someone who could provide more information. She said no. She affirmed I had exhausted any ability to resolve this matter by directly contacting USAA.
Product: Payday loan, title loan, or personal loan

I applied online for a debt consolidation loan on XX/XX/XXXX and was denied. I called Marcus and was told to call XXXX, which would be pointless as I already know whats reflected on my credit report. The denial reason provided was number of recent inquires on credit bureau. This is false. I have one inquiry for an apartment, that I currently live in, from XX/XX/XXXX. I dont have multiple inquiries as Marcus by Goldman stated I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX DEALER partial account numer XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and therefore there is no payment to be late on. XXXX and XXXX are reporting correctly. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.
Product: Debt collection

When Harris and Harris called me, they did not tell me who they were and why they were calling. They asked for all personal information, I give them my name and number and asked " what was the reason for this call? '' The girl told me " I can't tell you that until you verify your identity. '' I said " you never told me who you were? And I don't know if this is a spam call '' and she said " I can't tell you until you verify your info '' so, I hung up. 9 days later a I received a letter from Harris and Harris. I contacted them 3 times within my 30 days about this debt. They have never called me back or emailed me back regarding a debt. I know after the 1 st initial call, they have 5 days to send me a letter and it's was 4 days past due. I asked them to forgive the debt since they haven't made any contact with me since XX/XX/2022.
Product: Checking or savings account

They let someone withdraw {$400.00} out of my account which caused it to overdraft. No one had or has any of my pin or banking information. When I called and reported it as fraud, they simply told me that because of the geographical location was close to my home, I owed them the {$400.00} and the overdraft fees. I refused and told them that was not correct. They insisted they would not reverse that fraud and basically I was out {$400.00} of my hard earned money and I owed the overdraft fees. They withdrew money from an atm in XXXX XXXX. I live in XXXX XXXX. There is no way that is relatively close to where I live. That put me behind on my car payment and I almost lost my car because they didnt care. And they are still hounding me for my owed {$400.00} plus overdraft fees!! Ridiculous!!
Product: Credit card or prepaid card

I received an e-mail ( attached XXXX from XXXX XXXX indicating that I had placed an order for {$2500.00} for a camera to be shipped to XXXX XXXX in XXXX. I placed no such order and do n't know who XXXX XXXX is. There was no account number on either the e-mail or the receipt, just that it was paid by a credit/debit card. I contacted XXXX and received a response XXXX attached ). Apparently an account was opened with Discover that I know nothing about. A few days later I received a check for {$1.00} from Discover ( with no account number or other identifying information ). I shredded the check.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT DUE TO AN XXXX DATA BREACH FURTHERMORE FOUND SEVERAL ACCOUNTS ON MY CREDIT REPORT
Product: Mortgage

This morning, XXXX XXXX, 2016 I received consistently annoying calls from Ocwen Loan Servicing company on my landline used primarily for my home security system beginning at XXXX from one of their call centers out of XXXX . When I picked up the phone and said hello there was silence then a click as though my voice was being recorded then they hung up. The phone calls continued back to back consistently till I left the house at XXXX. Someone was purposely dialing, and/or pushing an automatic call button to annoy me early in the morning. They were harassing me and causing a lot of mental stress for me and my household.
Product: Credit reporting, credit repair services, or other personal consumer reports

I " am filing this report due to the numbers of errors on my credit report. I have accounts that were opened without my knowledge, or consent. Also, there are just plain out errors listed on my report. I found out that I have rights under 15 USC 1681 XXXX, XXXX, and Equifax has allowed these creditors to violate me numerous of times. I demand these accounts be deleted, according to 15 USC 1681 I have a right to privacy and I did give permission for these accounts to be furnished. I did not sign any contracts, nor documentation to open these accounts. These accounts listed here should be deleted XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX,. All of these accounts were opened without my should not have been reported. These hard inquiries were not authorized to be ran by any of these institutions, None of these in quiries are attached to an account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Hello my mother opened up a Safety Deposit Box. She opened up an account with my money, she put my money in Stocks and CD 's. The Bank at the time was XXXX Bank that turned into Bank of America. My mother forgot about the funds that is in the box. She never received information about where the Safety Box moved to. Today we 're trying to locate the Safety Deposit Box. We contacted Bank of America and they do not have the box and her name is not in unclaimed funds. The Box is in her name but the stocks and cd 's are in my name.
Product: Checking or savings account

I was scammed out of XXXX dollars. An elaborate scam on XXXX allowed me to send first months rent and a security deposit to another bank. On XX/XX/XXXX I transfered XXXX dollars and in XX/XX/XXXX I transfered XXXX dollars to a chase bank account. After not hearing back it was determine the property was fraudulent. In XXXX XXXX I contacted Navy Federal about the fraudulent account I sent money to. They said there is nothing I can do since I initiated the transaction. Although I understand this, fraud is still fraid and they should've tried to investigate this. I contacted chase bank, the reciepant of the funds, and they were willing to assign an investigator and try to get my money, but they needed my bank, Navy Federal to contact them. I called Navy Federal again with this information, and they still refused to try anything. The police also said my bank should be trying to investigate.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Chapter XXXX Bankruptcy Chapter XXXX Bankruptcy STATE OF MI XXXX XXXX XXXX STATE OF MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATE OF MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/year>