23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Requesting my mediation proposal {$4500.00} additional payment Wells Fargo account number ending in : XXXX Wells Fargo Mediation Program I have been completely dropped and said my case is close. I did not receive {$4500.00} and I continue to file complaints to YOU the consumer financial protection bureau with XXXX help. You send to WF and they contact me from a department that tells me that they are not the department to help me!
Product: Debt collection

I received communication from my XX/XX/XXXXXXXX insurance that they overpaid me when I had a 'return to work ' established. 

The complaint is that I had numerous attempts to contact XXXX XXXX when my return to work date was approaching. 
I left voice mails/sent emails on numerous occasions with the date of my return to work. 

I had no return call or email that notified me they received this information I submitted. 

When I returned tor work XXXX XXXX, I received a letter from XXXX XXXX that they overpaid me by {$980.00}. 

I have to admit I did not respond until this past week as our family had a traumatic incident and almost lost my husband. I did respond just this past week ( Called XXXX and spoke with " XXXX '' who stated that I have a case worker " XXXX XXXX '' who will be reaching out to me ASAP. I explained email is my best contact ( XXXX ). I would like to try to set up some type of payment plan as paying {$980.00} at one time is quite a bit and would like to try to try to set up some type of payment arrangements. 
I have not heard back from " XXXX XXXX '' at XXXX XXXX as of yet. I do not want this balance to go into collections as this issue could have been resolved earlier if I would have had better communication with XXXX XXXX when I tried NUMEROUS times to give them my 'back to work date ' and no communication back to me that they even received all of my messages. 
If there is any assistance you can provide or send me in the right direction, I would greatly appreciate it. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you to raise a formal complaint regarding the ongoing reporting of incorrect information on my credit report. Despite previous disputes and the evidence I have provided, the inaccurate data has yet to be rectified. 

This situation directly violates the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( b ), which requires credit reporting agencies to ensure the highest possible level of accuracy in the information they report.

For further specifics, I have attached a detailed letter outlining the errors in question. I urge you to take immediate steps to correct this issue and to ensure that my credit file reflects accurate information. 

I appreciate your attention to this matter and look forward to your swift response.
Product: Credit card

I started getting emails from XXXX claiming that I owed them {$4.00} and change for fees on a credit card I've never heard of. 
I immediately contacted them back and told them I know nothing of a credit card and that I do not have a credit card and that I never applied for a credit card. 
They then asked for proof of ID which I sent them every single thing they asked. I was still asking them for to show me some proof that I applied for a credit card... when it was issued ... .what is the credit limit ..what is the card number.. when is the expiration.. When was it activated? ..I know nothing about this card. 
The only response I get are more emails demanding more proof of ID. I've sent them everything they've asked at least five to seven times!!

They refuse to answer any of my questions all they respond with is they keep demanding more proof of ID. 
There's no more proof of ID to be sent it's all been sent many times!! 
They initially said to give them one week 7 days to research it well it's been a month!!

I've had no answers to anything. 
But what they have done is locked my brokerage account I have XXXX in stocks and they've locked it I have no access to it because they're claiming I owe them {$4.00} for a fee on a credit card I do not have. They've had my account locked for weeks I have no access to it and they refuse to give me any answers!!
Product: Credit card or prepaid card

I, XXXX XXXX, am the consumer in fact and I am asserting all rights. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( 2 ). As a consumer, I will hold the CFPB to this standard. 

I sent a billing error notice to Synchrony Bank/PayPal Credit on XX/XX/2021. I requested the organization to provide documentary evidence pursuant to 12 CFR Section 1026.13 ( a ) ( 6 ) under Regulation Z for the public and private sector. The company failed to show documentary evidence and they credited my account for that month. They also sent me a letter on XX/XX/2021 admitting that there was fraud on my account and changed my account number in the process. 

At the end of the cycle, they closed my account, but we were able to come to an agreement to restore my services based on the billing error status, open end credit status, and the fact that closing the account was an act of discrimination under the Equal Credit Opportunity Act. 

Although my account was restored, I have yet to see my account receive a credit for XXXX. The organization never showed me documentary evidence to prove the fraud and I suppose to receive a credit each month until they provide me with such evidence to whom or what funded the account. 

I am aware that the company sends me a remittance transfer each month with a XXXX scan on the coupon for me to use as credit. Thats a part of the fraud and the companys failure to honor it is a violation to 15 U.S. Code Section 1693h ( a ). I am will most definitely remain in honor and send it each month to satisfy the account if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not deleted these unknown inquiries-XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax has not deleted these unknown inquires, XXXX XXXX XXXXXXXX has not deleted these unknown inquires. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I lost my job so i went on a extended payment plan and i made the first payment. I had to close my bank account because i could not afford the bank fees. I told them at time of extended payment plan that i had lost my job. A week later i informed them i had to close my bank account but i wanted to pay my payment before due date. they have refused payment, my second payment is due XXXX, 2018. i do not want to be in default as i am trying to pay them, California Check Cashing XXXX XXXX XXXX XXXX, Ca
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act convergent Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This company, XXXX XXXX XXXX claims I owe them XXXX dollars. I do not even know for what. They are trying to scam me. I want them to stop bothering me. I DO NOT OWE THEM ANYTHING BECAUSE I HAVE NEVER DONE BUSINESS WITH THEM
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX for {$320.00}, XXXX XXXX on XX/XX/XXXX for {$400.00}, XXXX XXXX on XX/XX/XXXX for {$270.00}, XXXX XXXX on XX/XX/XXXX for {$1600.00}, XXXX XXXX on XXXX for {$780.00}, XXXX XXXXXXXX XXXX on XX/XX/XXXX for {$3700.00}, XXXX on XX/XX/XXXX for {$1100.00}, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$2400.00}, XXXX XXXX XXXXXX/XX/XXXX for {$700.00}, and inquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've reviewed all of the hard inquiries in question on my consumer XXXX 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. 

XXXX XXXX BREACH REF NUMBER XXXX FTC REPORT XXXX NUMBER XXXX
Product: Debt collection

This account is not mine was disputed back   XXXX   ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to   XXXX   and   XXXX  , please see attachment credit report.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$62000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Request to Correct Address and XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to urgently address an issue regarding inaccurate information on my credit profile. Despite my previous efforts to rectify the situation by contacting the credit bureaus, the necessary actions have not been taken. 

As a consumer, I am aware of the laws that safeguard my right to have accurate information on my credit report. Specifically, I am concerned about the reporting of an incorrect address and name that does not align with my actual details. 

I kindly request your assistance in resolving this matter promptly. Your intervention would greatly help in ensuring that my credit profile accurately reflects my personal information. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I received a phone call from someone claiming to be with Ocwen XXXX  and was going to help me with a government modification loan. I was then asked to go to a wire XXXX and get money on a card and give them the information from the card on Friday XX/XX/2020. I was very skeptical, but they assured me it was legitimate with a ID # XXXX for Mr. XXXX. I loaded {$200.00} on a card and gave them the number from the card. I didn't have {$200.00} extra dollars, but was looking for a way to catch up my payments and have them lowered. I have since done some research and discovered I've been scammed.
Product: Money transfer, virtual currency, or money service

This complaint is response to CFPB complaints XXXX, XXXX, XXXX, XXXX, and XXXX. 

Western Union continues to stonewall my complaints. Their response to my latest complaint ( XXXX ) is again wholly irrelevant. It fails to mention anything specific to my complaint involving a transfer to XXXX XXXX XXXX XXXX. Instead Western Union strangely continues to talk about XXXX XXXX XXXX. 

I beg CFPB to actually read the complaints and compel Western Union to respond to the specifics of my case. It seems that CFPB is content to close the complaint upon receipt of any response from Western Union, no matter how irrelevant.
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX XXXX  from my account with XXXX to account of XXXX XXXXXXXX XXXX XXXXXXXX opened with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXXXXXX was designated under the Executive Order 1384. Considering this, my payment must be blocked by intermediary bank according to XXXX sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.
Product: Credit card or prepaid card

I mailed two letters to USA from XXXX about 5 weeks ago XXXX has not received letters I made dispute about this already and {$12.00} was credited due to services NOT rendered Now I see rebill XX/XX/XXXX for {$12.00}, WHY? 
If XXXXXXXX XXXX has found my letters please let me know! 
If XXXX post responded, may I see response! 
What is going on, why rebill for lost delivery when 5 weeks nothing has arrived PLEASE CREDIT ONCE AND FOR ALL OR SHOW XXXX XXXX RESPONSE
Product: Checking or savings account

In 2016, my account was closed by Bank of America in which they claim fraud was done on my account. I would never, and have never competed fraud in my life. One of their atm 's were not working correctly one day as I was trying to make a cash deposit. It took the money then spat it out and delivered an error message receipt. I went to the next atm at the same location and did the transaction again. It went through the second time but on the app the cash deposit wasn't available immediately look it should be. I called to report this inconvenience and they were starting an investigation. A few days later the errors had been worked out and we assumed the issue had been resolved. A week later I received a check from Bank of America for the remainder of my balance and a notice that they had closed my account. All of this was crazy but fine until I tried to bank with others and was told I couldn't because I had been reported to XXXX XXXX, and XXXX XXXX. I need to be able to bank with others. I am a XXXX  year man with a family and its been very difficult using prepaid cards. Please help!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

XXXX ACCT  # XXXX BALANCE {$XXXX} XXXX XXXX ACCT # XXXX BALANCE {$XXXX} XXXX  ACCT # XXXX XXXX OF XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX BALANCE {$XXXX} XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX  ACCT # XXXX BALANCE {$XXXX} XXXX/XXXX  ACCT # XXXX BALANCE {$XXXX} XXXX XXXX  XXXX ACCT # XXXX BALANCE {$XXXX} XXXX ACCT XXXX XXXX XXXX {$XXXX} TXXXX ACCT # XXXX BALANCE {$XXXX} XXXX ACCT # XXXX BALANCE {$XXXX} XXXX XXXX XXXX BALANCE {$XXXX} XXXXXXXX XXXX XXXX  # XXXX BALANCE {$XXXX} XXXXXXXX XXXX XXXX # XXXX BALANCE {$XXXX} XXXXXXXX XXXX XXXX # XXXX BALANCE {$XXXX} XXXX XXXX XXXX # XXXX BALANCE {$XXXX} XXXX # XXXX BALANCE {$XXXX}, XXXX BALANCE {$XXXX}, XXXX BALANCE {$XXXX}
Product: Credit reporting, credit repair services, 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. 

DEPTEDXXXX : # XXXX, XXXX : # XXXX, XXXX 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 an 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 yea
rs.

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

I have multiple accounts on my report that are not mine. I have no idea what these accounts are and where they came from. I am asking for them to be removed as they could be opened as a result of identity theft or a mistake by the credit bureaus. I have attached a copy of the ftc report and two forms of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  Account # 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 XXXX XXXX XXXX  Date Opened XX/XX/2022 Amount owed {$6000.00}. 
Account # XXXX I have called them and tried telling them this is not my account.
Product: Checking or savings account

I sent {$500.00} from my account on XX/XX/2020 via XXXX for a deposit on a rental property. The receiver cancelled the lease and has attempted to return my deposit via an emailed fraudulent insurance check, requesting I deposit it and send them the remaining {$3000.00}. I disputed the transaction with CapitalOne, they investigated and responded that there was no mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion recently had a data breach and because of that my rights 15 USC 1681 section 602 states I have the right to privacy.

TransUnion has Violated my right to privacy