23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 Bankruptcy Case Number : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}, {$5000.00}, {$45000.00}, {$6500.00}, {$5000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a  balance of {$5000.00} -This is not my account. 

3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

5. XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$5000.00} -This is not my account.

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Bank account or service

On XXXX, I went to the local PNC branch to convert {$1000.00} XXXX to XXXX. This amounts to XXXX ( XXXX XXXX ). I was told 2 things, 1. It will take approximately 4 days for the XXXX ( XXXX XXXX ) to arrive at the local branch. 
2. If there was any leftover XXXX from my trip, I can always re-convert the left over XXXX back to XXXX. 
On XXXX, the XXXX Government banned the XXXX and XXXX. When I called my bank, they said that the XXXX are present at the bank but are in XXXX and XXXX denominations. I refused to except those XXXX denominations. I asked that they either convert the money back to XXXX, OR give me XXXX denominations that are acceptable ( i.e. XXXX ). I was told that their " Foreign Exchange Dept '' is no longer accepting the XXXX. 
I am now short {$1000.00}, and the XXXX is at the local branch. I will not accept this non-functional currency. There has to be some type of insurance for this. I chose to do the foreign exchange with PNC Bank because I felt a sense of assurance from such a large bank. 
The staff at the local branch are courteous, and are doing their best. The Bank Manager is working on this issue, and I hope it gets resolved soon.
Product: Debt collection

This company claims I owe them XXXX however when asked to verify the info doesnt prove I did this as it was all online. My ex used to take out cards in my name without my permission. I need this taken off
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing jp morgan chase services
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 any item 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. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$23.00} ; XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXXXXXX XXXX  XXXX Balance : {$8900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; 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: Money transfer, virtual currency, or money service

On XX/XX/2022 I was being blackmailed over the internet by a person named XXXX from the XXXX threatening to send indecent photos of myself after posing as someone else from a dating serviced called XXXX XXXX XXXX  I was forced to send {$1400.00} over the course of 3 transfers over a service company called TransferWise LTD ( or Wise in short ). In the height of this incident I drove down to my local police department to open case as I was being blackmailed. I reached out to my bank afterwards to put a stop on these transfers because they were incriminating and were able to not transfer the dollars via Wise. Wise the company have since been threatening me about these transfers saying they'll send me to collections. In light of this I not only have a full address of this person but also evidence of he/she saying this is blackmail specifically. I am shock after communicating my circumstances I was still told to pay. At the same time I'm being collateral damage/scapegoated after a traumatic event I personally had to experience on my own. Attached are documents for proof, the police case by XXXX Police Department ( XXXX XXXX  ) and a complaint sent to the state of NJ Department of Banking and Insurance. Please see the address below to this individual from the XXXX. Thank you! 

XXXX Address : Project XXXX, XXXX XXXX : XXXX XXXX XXXX, XXXX
Product: Mortgage

Maturity date on the mortgage statement was changed by -17 years. Line item description was changed from maturity date to contractual due date. The loan is conventional, fixed rate, no defaults, no foreclosures, no refinancing, or any other activity regarding the property. Getting a different response from mortgage company and a different response from the servicing company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was cancelled and the company never closed account and kept billing me for service that was cancelled and not used. 

XXXX and XXXX, account paid and still reporting delinquent
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), XXXX, Experian, and XXXX 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 an auto account opened with XXXX XXXXXXXX XXXX auto account with XXXX XXXX, personal credit card with XXXX XXXX, a personal loan with XXXX XXXX, an auto account with XXXX XXXX, a personal credit account with XXXX, a personal credit account with XXXX XXXX, a personal credit account with XXXX, and XXXX  account with XXXX XXXX. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/year> I called my bank because {$14000.00} was transferred into a XXXX  account brokerage thats not mine its in a mans name and I have emailed XXXX  they wont talk to me because I dont own the brokerage account I said yes but my bank account funded it fraudulently! The bank didnt even investigate it I sent them evidence! They doubled every amount I disputed and than gave it to wrong department I had to call them they reopened it but still havent credited my account they are in violation of regulation E
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 XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I reviewed my credit report and Credit Protection Association has been attempting to collect a debt for {$740.00}. This company is not licensed to collect any debt in the state of Florida..
Product: Checking or savings account

My pay date for direct deposit from my employer was XX/XX/XXXX. Capital One has historically made the funds available around XXXX XXXX the day before. On XX/XX/XXXX, no funds were deposited. I saw that many people were having the same issue, and some were having additional issues with Capital One. There was no communication from the institution until after I went to bed for the night. I did call and after several hours on hold, was told it was a technical issue but my funds would post overnight and be available on my actual pay day. Today is XX/XX/XXXX and I still do not have access to my paycheck that was direct deposited. This is not an issue with my employer, as the other portion of my check was deposited into my credit union without issue. I asked the representative what Capital One could do for customers like me who need to buy food and needed medications for their young children, and was told they are not able to do anything. I NEED my paycheck!!! This is theft!!!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 just had my credit score not even two weeks ago at XXXX I lo on today and they have decresed it the same exact amount that was increased to XXXX.I 'm sorry but Transunion credit scoring is XXXX   XXXX! I want something done about this f'in company. All they do is go around making everyones score go on a roller coaster up one week down the next. The whole credit scoring system should be thrown out. It's all nothing but a punch of pure XXXX  XXXX!
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was a victim of a scam through Zelle where I lost {$400.00}. 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 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: Debt collection

DIVERSIFIED ADJUSTMENTSxxxxxx XXXX To Whom It May Concern, The reason for my dispute is DIVERSIFIED ADJUSTMENTS was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also DIVERSIFIED ADJUSTMENTS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 DIVERSIFIED ADJUSTMENTS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DIVERSIFIED ADJUSTMENTS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DIVERSIFIED ADJUSTMENTS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If DIVERSIFIED ADJUSTMENTS even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data from Experian XXXX XXXX. I dont recognize these accounts at all. These XXXX accounts is fraud. I have disputed these XXXX personal loan accounts 2 times through Experian. Company said information is accurate but it is incorrect. I lost my wallet. I check my credit reports to see if there is any incorrect information recently. Then I dispute the incorrect information on the credit reports. I called Experian spoke to the reps to file another dispute for fraudulent accounts on my credit reports again. Please help me to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax declines to forward me an updated credit report ... I still behold countless errors on my report ... I have received mail stating that some of it has been removed ... this is hindering me and its a great injustice ... I resolve to pursue litigation very soon
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Bureaus have not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Statuses of XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance XXXX {$3000.00} I believe these accounts were reported in error.
Product: Credit card

I was notified that my account was going to close due to inactivity. I immediately requested a new card on XX/XX/year> since the card I currently had was expired. The company did not send me tracking information or a new card. Without further notice from ECP the Military Star Card account was closed of XX/XX/year>. I was only made aware because of my credit monitoring services on XX/XX/year>. I called the company on XX/XX/year> and requested my account to be reopened. The rep declined, transferred me to a supervisor without my consent, and the supervisor declined the same request before hanging up on me. The 16 minute phone call was 11 minutes of holding and a 2 minute survey. The entire conversation with ECP lasted approx 3 minutes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX JPMCB - CARD SERVICE Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : Chase - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

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

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

I am writing to demand your immediate attention to my unresolved dispute regarding several inaccurate and unverified items on my credit report. Despite my previous attempts to address these errors, I have not received a satisfactory response. This lack of action is unacceptable and must be corrected without further delay.
Product: Checking or savings account

I opened an account with CHIME. I received an email from the CEO thanking me for becoming an account owner at chime. I received the debit card in the mail a week or so later. when I tried to activate it, I got error message saying my account was suspended. I've been emailing for months with no help. I have an account opened in the name I own, and can't access it. ive called multiple times in over weeks now and they keep saying that they will respond to my email.its been weeks. I know securities were created with my signature. I know my credits are being used without my authorization. I warned chime multiple times. now this is final notice. I will submit forms for IRS to get involved in 3 business days. the email associated with account is XXXX XXXX