23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a notice from my new monitoring service regarding an account from CONVERGENT OUTSOURCING in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC. The reporting debt of {$180.00} is a result of identity theft and does not belong to me .I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove these accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

I have been notifying them that the debt is not mine but they insist in me paying something that isn't mine. 
So please stop contacting me about this because I won't be paying someone else 's debt.
Product: Debt collection

I tried very diligently to settle and or honor the debt but they refuse the amount. I'M { XXXX } years of age, I'm on a fixed monthly income, I relinquished an of {$25.00} which is the limited amount my finances will allow me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Checking or savings account

My account was hacked and the hackers were able to change the phone number on my account and change my password. They were able to make several XXXX transfers and empty my account into the negative. The customer service filed the claim of fraud but said I would have to wait 7-10 business days before they would issue any type of refund. I asked for the manager and she sent me to the supervisor who said the same thing, that there was nothing they could do. I explained how unfair it was that I have trusted them with my money for all these years and now someone makes fraudulent charges on my account ( the only time this has ever happened to me in the almost 15 years Ive had this account ) and explained that it was my only bank account holding all of my money, they still refused to offer any solutions, just saying theyre sorry and understand. This policy is absolutely unacceptable, for us bank to offer zero financial assistance in a situation like this, is just completely wrong and makes no sense. They are now saying I have to open a new account with them and have the money transferred there once the claims go though. This sounds complicated first of all, and second of all I refuse to use them any longer because of this, so now I have to continue to figure out how to get my money back without opening a new account. Bottom line is that their website did not have the proper protection from something like this and I feel completely violated and let down by them. Changing any of my account info should have needed two factor authentication. Them refusing to assist with an immediate refund and not taking any responsibility for the situation is extremely unjust and disturbing to me. They are not a company that should be trusted with anyones money in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a police report from XXXX Police Department. Please review attached police report. The following accounts listed and showing on my XXXX XXXX, XXXX and Equifax credit report are unauthorized, fraudulent and not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report and discovered the XXXX said accounts XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all accounts were unauthorized and not properly investigated therefore should be removed immediately
Product: Debt collection

I could not make a payment last Friday XXXX XXXX/XXXX/2015 XXXX, and I am now receiving threatening emails from attorneys. I have been threatened to pay immense amount of lawyer fees ; and will face jail time. Allied cash advanced is now harassing me with phone calls, as well as numbers that are n't identified.
Product: Credit card or prepaid card

Us bank ReliaCard for pandemic unemployment agencies of Ohio has had my card locked for 2 months now. Since XX/XX/2020 to current XX/XX/2020. I have faxed all my documents such as photo ID, birth certificate, w2 forms and social security card! They still havent been able to help me unlock my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I legally changed my name by court order. I then went through the process of updating Social Security, all credit cards, and all information anywhere, including my bank accounts. My lawyer assured me this would be all that I needed to do. In XXXX my car was totaled and I went through the process of getting a new car, however, when I applied for a loan in XXXX and again in XXXX, the applications kept coming back as fraud. The two financial agencies that took my information suggested I get in touch with Equifax to correct misinformation. I did and spent the end of XXXX through this date ( XX/XX/XXXX ) struggling with Equifax to understand why they would not update my account. I was told to fax my social security card, drivers license, and court order to them. I did. The request was ignored. I was told to file digitally. I did. This request came back as " resolved '' yet the name was unchanged. On XX/XX/XXXX I spent a day calling Equifax, talking to multiple people to try and find out why the situation was " resolved '' and yet my name was unchanged. I got multiple answers, some trying to be helpful, but most not. Everyone agreed that I had to fax my information again because digital was not acceptable. I was repeatedly told that these items had to be done " with the paper in hand '' and so I asked repeatedly where to mail the original court order to if that was the problem, and I was then given the runaround and told to fax it instead. Today ( XX/XX/XXXX ) I went to XXXX on suggestion of my lawyer to see what information was incorrect on my credit across the board. I was easily able to use my current personal information to locate my credit report. It is my belief that Equifax is being discriminatory and refusing to change this information when they have openly admitted that every step I have taken and every document I have sent is valid and proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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, XXXX XX/XX/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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2019, I sent a check to Honda Financial Services in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
Honda has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by Honda Financial cashing the check for the full balance.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$500.00} via XXXX on [ XX/XX/year>2025 ] when I sent a deposit for a vehicle that turned out to be fraudulent. I quickly realized it was a scam and contacted my bank ( Wells Fargo ) to dispute the transaction. Despite providing clear evidenceincluding screenshots of conversations, proof that the vehicle offer was fake, and details about the scamthe bank denied my claim and refused to refund my money. 

I believe my bank failed to properly investigate the dispute as required under Regulation E. This was a fraudulent transaction based on misrepresentation, and I acted in good faith. I also requested a formal written explanation for the denial, but my bank has not provided any meaningful justification. 

I am requesting the CFPB to review my case and help me recover my funds. My bank should be held accountable for protecting fraudulent transactions instead of assisting victims. 

Resolution Requested : A full refund of my {$500.00} and for my bank to properly investigate this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following INQUIRIES needs to be removed immediately : Creditor Name : EXETER FINANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them.
Product: Debt collection

I called RECEIVABLES MANAGEMENT at ( XXXX ) XXXX on XX/XX/2018 at XXXX XXXX to inquire about a debt that is currently being reported as OPEN with a {$0.00} balance ; this particular account was originally {$79.00}, I paid off two of my open accounts this year.

For starters, the representative did not Right party contact me, and verify who I was with three questions all she asked for was my name and who the account was with. And then went on to freely give out my information, including my sons name since his name is on some of the open accounts, and openly discuessed how many accounts I had.

I paid the account in full and want it closed so it wont effect my credit score, and was told by the representative that its up to the credit reporting agency to decide if the account will be left as open or closed ; which I know is not true, it has to be marked paid in full and closed. It isn't an open account, there is no balance due! Also, she was extremely rude and talked over me multiple times and I had to raise my voice to get her to listen and let me speak.
Product: Checking or savings account

Huntington bank closed my account on XX/XX/XXXX shortly after I complained about illegal overdraft fees. 
When I asked why my account was closed Huntington Banks response was this : " Huntingtons system monitors accounts in a negative status and the system will automatically close accounts that remain in a negative status for a period of time as your account remained in a negative status your checking account ending in XXXX was systematically closed on XX/XX/XXXX and - {$23.00} was owed to Huntington. 

Huntington gave a partial answer ..for a period of time now everyone knows computers can not think on their own ( at least not yet ) Huntingtons system in programmed to close accounts after a specific amount of time, I want to know how long that period is. Consumer have a right to know and I believe that information MUST be transparent. 

Therefore, my only question is this : 1. How long must an Huntington Bank account be overdrawn for it to be systematically closed? 

I will not stop until I get a response to that question. I believe Huntington bank does no provide this information to consumers in any contract disclosures when it is information consumers have a legal right to know.
Product: Money transfer, virtual currency, or money service

XXXX  ( 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 or other personal consumer reports

I have recently noticed illegal reporting from Concord XXXX XXXX on my credit report. It is affecting my ability to buy a home and violates many of my rights as a consumer. I want this account to be deleted from my credit report immediately.
Product: Student loan

On XX/XX/XXXX I submitted two things to the federal student aid ( FSA ) website : 1 ) a PSLF employment certification form to make my payments of XXXX, XXXX, and XXXX qualifying for PSLF 2 ) a buyback request via a reconsideration request The buy back request was to request to buy back the months of XXXX and XX/XX/XXXX that I was involuntarily put in administrative forbearance through my loan services at the time, XXXX. 

Buying back these two months from XXXX, plus certifying my employment and payments up through XX/XX/XXXX should have brought me to 120 qualifying payments for PSLF. 

Two problems happened : 1 ) with the employment certification, FSA showed my XX/XX/XXXX and XX/XX/XXXX were completely missing- they are not listed under the PSLF section as qualifying or nonqualifying. However, I made these payments to my loan servicer XXXX. To complicate things, XXXX and XX/XX/XXXX was during a transition that XXXX was going through to switch web platforms. Therefore, once they created their new platform, every prior payment before XX/XX/XXXX does not show up. So my only way to prove to FSA I made these payments was to submit my bank statements showing the withdrawals of {$860.00} for those months, which I did. 
On XX/XX/XXXX I submitted reconsideration request/complaint on FSA to include my bank statements showing I paid for XXXX and XX/XX/XXXX. 

2 ) I called FSA on XX/XX/XXXX to ask for an update on my buyback request that was submitted on XX/XX/XXXX and was informed that the request was closed because I did not have the correct language. This is incorrect- I am certain I used the correct language because I copied and pasted and triple checked it was the exact language I was supposed to use for buyback. The exact language is I have at least 120 months of approved qualifying employment, and I am seeking PSLF or TEPSLF discharge through PSLF buyback. Please assess my eligibility for PSLF buyback.
Product: Checking or savings account

My account was hacked and could you please give me money back.
Product: Credit reporting 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 items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX  XXXX Bankruptcy XXXX Reference # : XXXX DateFiled : XX/XX/XXXX XXXX  XXXX Bankruptcy Dismissed Reference # : XXXX DateFiled : XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I'm writing to address a critical issue with my recent credit report. Other bureaus have promptly removed confirmed fraudulent accounts, such as those listed below. I request immediate deletion of these accounts from my file as they are inaccurate and violate the law. 
XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX, XXXX amount XXXX unauthorized auto loan open in my name XXXX XXXX XXXX. XXXX, XXXX amount XXXX unauthorized credit card I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided.
Product: Credit card or prepaid card

I already submittted complaint ( XXXX to CFPB and the company said they closed my account and ( I was paid in full ) I received letter form them indicating my account my still open and had a balance. I called them and they were not helpful
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. 

Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 
2. I have previously attempted to resolve this matter directly with XXXX XXXX, but no corrections have been made to date. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXX XXXX is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. 

Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 
2. I request that XXXX XXXX be required to verify and correct any inaccurate information. 
3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. 

I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. 


Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I have had my account frozen in Coinbase for well over a year. I have tried to contact Coinbase well over a hundred times, literally! Unfortunately, they refuse to help me resolve the issue. The oldest email to date is from XX/XX/XXXX. I have about {$500.00} stuck in my account which may not seem like much to some. I couldve used this money to invest in other coins/ stocks and it could have been worth much more than {$500.00}. Also, for me that is a lot of money as I am a college student that works very hard for each dollar I earn, not to mention I have a substantial amount of debt. Any help is very much appreciated!
Product: Bank account or service

On XXXX XXXX I made a " CASH '' deposit of {$500.00} to my TD Bank account. An hour later I made a transfer of the same amount {$500.00} from my account to another TD Bank account. TD Bank is telling me that even thought the deposit was made before the transfer and it was CASH, the deposit was not available until the next day which made my account OVERDRAWN and they charged me a maintenance fee. It sounds like a robbery to me.