23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XX/XX/2021 XXXX 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 or other personal consumer reports

Experian put XXXX XXXX back in my credit report after it was deleted for identity theft. I have provided Experian with Police Reports and FTC reports showing that the debt was fraudulent.
Product: Mortgage

M & T Bank serviced my home loan until I refinanced in XX/XX/XXXX. Closed escrow and signed documents on XX/XX/XXXX. Notified by title company that annual tax bill was included in closing costs and that M & T Bank would be sending me balance of escrow/impound account ( between $ XXXX {$1900.00} ). M & T Bank the paid the taxes 3 days later using escrow/impound funds, told me that I needed to contact my countys attorney authorities to initiate return of funds. To date I have not received return of escrow balance and conformed with tax authority that funds for tax payment was wired on XXXX almost 30 days after signing documents with title company. Customer service has been unhelpful and provides wrong and conflicting information.
Product: Checking or savings account

my us bank reliacard for XXXX XXXX money was deactivate and money is still being loaded onto the card but I can't get the money. I've done all that was asked and they still won't activate my card. I want to sue for damages at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and notice that XXXX, XXXX XXXX  XXXX are listing a student loan listed on my credit report from the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Account number XXXXXXXX XXXX  XX/XX/XXXX  The two accounts listed are not my accounts under the Fair Credit Reporting Act the Accounts listed needs to be validated and the proof of promissory note and issuer signature. you have 30 days to present the items listed ; I demand that both accounts needs to be permanently removed from all three credit reports.
Product: Money transfer, virtual currency, or money service

they mostly said log on and go to help section, but I told them every time if i could login I wouldn't have a problem.

they had me repeat the same steps over and over day after day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not followed up with me on prior complaint CFPB XXXX. They are ignoring this complaint. On XX/XX/XXXX, they responded to referenced complaint # that they needed more time to follow-up, and if necessary, Equifax stated they would contact me directly. Today is XX/XX/XXXX. That 's more than 3 weeks later. I have not been contacted. 

Equifax, the answer is easy : please refund my entire year subscription fee since you failed to ever set a fraud alert on any of the credit bureaus during the 8 months that I paid for service. 

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

I canceled a pending payment of {$90.00} on XX/XX/year> that was awaiting approval on Cash App by the recipient named, because I had mistaken him for another Cash App Account Holder who has the same first name and last name. 

The payment was successfully canceled and refunded to my Cash App Balance on XX/XX/year>. 

I transferred the refund from my Cash App Balance into my XXXX XXXX XXXX Checking Account by paying a small fee to Cash App for the instant transfer on XX/XX/year>. 

Unfortunately, Cash App chose to withdraw the refunded amount of {$88.00} from XXXX XXXX XXXX XXXXXXXX XXXX Account without my authorization on XX/XX/year> and send a total of {$90.00} to the unintended recipient, XXXX bank account. 

I filed a dispute through XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/year> in order to seek recovery of this refund from Cash Apps bank. 

The dispute was decided in my favor on XX/XX/year>. 

However, Cash App sent a warning email to me on XXXX XXXX that claimed I owed the company {$90.00} with regard to a payment that I no longer authorized Cash Apps recipient, ..to receive. 

Cash App further explained in the email that my Cash App Balance was a negative {$90.00} and I could not use my account on Cash App until I added money to my Cash App Balance. 

I transferred {$90.00} from my XXXX XXXX XXXXXXXX XXXX Account to my Cash App Balance on XX/XX/XXXX, XXXX order to remove the negative balance from my Cash App Account which would allow me the ability to use Cash App. 

Keep in mind, I was under duress when I made the decision to send the amount of {$90.00} to my Cash App Balance. 

On the other hand, Cash App is not entitled to recover funds from my Cash App Balance or bank account if they were initially responsible for sending a payment that was already successfully canceled by me to an unintended Cash Apps recipients bank account. 

Therefore, a new claim was filed on my behalf against Cash Apps bank on XX/XX/year> through XXXX  XXXX XXXX XXXX XXXX. 

Moreover, I have attached pertinent documents to this message in order for the Consumer Protection Bureau to review.
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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX 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 or other personal consumer reports

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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have a capital one card, I have never paid my bill late and my credit score is very good, despite all of this CapitalOne recently lowered my credit limit for " not using my card enough '' I do use the card and pay the bill in full every month, when I tried to email them they do not have an email address for customer 's to contact them, I ended up calling and waiting 1 hour on hold for someone to assist, when I spoke to someone they told me my credit limit was lowered for lack of use, are they not making enough money on me because I pay my balance in full every month? This is disheartening on many levels and It seems like they shouldn't be allowed to get away with this as this has a negative impact on my credit score because I now have less credit limit
Product: Checking or savings account

I was scammed out of {$3500.00} through XXXX by a person representing US Bank. This occurred XX/XX/2022. I have contacted US Bank with zero help and have read that most banks now are not issuing refunds for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account was closed and paid in full, however it is not reporting on my credit report and is negatively affecting me. 

Account was paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of XXXX as shown by such filed 1099-C.
Product: Debt collection

My husband and I were seen and treated separately on XX/XX/2018, at XXXX. We each paid a {$50.00} co-pay. We were told that our insurance was accepted. We later received bills stating that {$65.00}, was left remaining on our bills. The total bill for our visit was {$110.00} each. When I received the statement, I called XXXX and explained that we were told our Insurance was accepted there. She said it is accepted, but that is not a guarantee that our insurance will pay. I asked her if they would reduce the bill to a self-pay amount. She said no. I intended to contact my insurance company to dispute. However, it was put off. On the evening of XX/XX/XXXX, I received a letter, dated Saturday, XX/XX/XXXX, stating if full payment of the overdue amount is not received by the due date, ( there was not a due date on the letter ), we will have no alternative but to turn your account over for collection. I paid both of our bills in full on XX/XX/2018. On XX/XX/XXXX, I also received an email with my statement attached that stated the account will be referred to collections within 10 business days if payment is not received. I have been contacted by Transworld Systems, Incorporated. They claimed that my husband and I owe them {$97.00} each. I explained to them that I had paid the bill in full on XX/XX/2018. They now say I owe {$32.00}. XXXX paid the {$65.00} to Transworld on each of our accounts on XX/XX/XXXX 7, 2018. I have explained that the bill was paid prior to it being turned over to collections. They have acknowledged that it was turned over on XX/XX/2018, but they insist that XXXX says we owe the fee for collections, regardless that it was paid prior to it being turned over to their office.
Product: Checking or savings account

My sofi account was frozen for more than XXXX  month, I called sofi support multiple times, but I never get any simple response
Product: Student loan

Account for XXXX XXXX, XXXX, RI XXXX XXXX, I am writing on behalf of XXXX, my XXXX and myself and our struggles with her student loans that are serviced by Sallie Mae / XXXX. When we first signed up for these loans we did some of them through an agency called the XXXX, RI and later some directly with Sallie Mae. Our experience with all involved has been subpar and at times unprofessional from the people at the XXXX when we went back to ask for help and they said they only set them up and we just wanted answers on what the processes are, we being treated fairly and in the repayment process. I am a man of great integrity and I said I/we made the agreement ( s ) and will make the payments. We had and still struggle to help XXXX and in most cases are paying the bill with at more than a XXXX dollars per month and no real end in sight is bending us to say the least. At XXXX point we could not afford to pay them and placed them into forbearance a process I was never really comfortable with but had no real choice to keep other obligations in our life met. The forbearance process was foreign to us and we agreed to pay interest only never told that that was really like paying rent on the loans with zero net affect. At no time were we ever offered alternative payment plans or income based plans that our XXXX could afford in fact we were told they did not offer those programs to our XXXX. Now years later I read that they withheld plans that would have helped from us, to say the least this is disturbing and seemingly illegal at the very least. If a person opened a business and treated people like they have, they would have to answer to someone and more than likely be in jail. My last comment is that we are now and have been paying nearly eleven XXXX dollars a month and the principal goes down pennies on a dollar. I would welcome the opportunity to have more dialogue on these issues and can be reached at XXXX or XXXX. We are not looking for anything free we are just expecting to be treated to the same programs that had/have been apparently offered to others.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX, XXXX XXXX stole {$360.00} and {$1000.00} from my Chime Checking account fraudulently. I do not know who she is. I disputed the transaction and was denied. Shortly after I was in the hospital for a month. I have XXXX. Please help
Product: Credit card

XX/XX/XXXX, I applied for a platinum Card through American Express. I was denied due to a bankruptcy that is being reported in my Experian report. I explained to them that evening that I was a victim of fraud and identity theft and there were some items reporting illegally and incorrectly on my Consumer Report. They stated that I can reply after that item was removed. I informed them that Ive already given a financial asset according to the Uniform Commercial Code, and that was converted into a securities with the ability to be sold to a third party and traded according to documentation submitted by the company to the SEC. XXXX XXXX a representative informed me that I can send an email to the chairmans office and someone would get back to me in 3 business days. I submitted an adverse claim to the chairmans office email on XXXX XXXX and no one returned email, I sent an additional email as a follow up to the same email and still to this day, I have not received response as promised. I called again today, XXXX XXXX and was told by the first representative that he is aware of the application being a financial asset according to the uniform commercial code and that he knows about the uniform commercial code. I asked why I would be denied an extension of my own credit being that I have a security, a financial asset with the ability to be traded across the market according to the financial documents that American Express has on their investors relations and the Security and Exchange Commission documentation. It is also in line with the regulations set forth with the XXXX. The gentleman did not have an answer for that. By the continued denial, American Express is willfully committing securities fraud, tax evasion for not reporting all securities as well. I also explained that XXXX is a third party and therefore the information reported by them is hearsay as well as invalidated. XXXX is already investigating the reporting due to the laws that are violated by their reporting methods as well as being the only credit agency that has the bankruptcy listed. Everyone else has applied with the laws put forth by Congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are five hard inquiries on my XXXX Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) XXXXXXXX XXXX XXXX XXXX 2 ) credit Plus 3 ) XXXX XXXX  XXXX 4 ) XXXX XXXXXXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Product: Debt collection

My credit score dropped because I apparently have an account with them when I dont. I also found out they are located in NJ when I live in MI. I saw this during the winter season of 2022 because thats when my credit score dropped and started receiving messages and its also on my bank account in category that shows me who I owe money to.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 my car loan was listed as a repossession on my credit. My car was never repossessed nor did Capital One Auto Finance attempt to repossess the vehicle. I filed a credit bureau review request with Capital One, to which I received a letter in the mail stating they were reporting information accurately. I ended up trading the car in. How can I trade in a car that was reposessed?
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will ile for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I have received A notice of past due account from EOS CCA Dealing with a loan I supposedly received at the XXXX XXXX XXXX. All of my student loans incurred at the XXXX XXXX XXXX have been discharged due to my full and complete Veteran 's XXXX, and the amounts they are specifying that I " received '' in the letter, I never have and have no knowledge of such transactions with this company, nor the referenced company XXXX XXXX. This is a severe case of identity fraud, it can be no other option. 
I want this false account not only dissolved but removed from any and all credit bureaus IMMEDIATELY, or they will face severe civil legal action.
Product: Credit reporting or other personal consumer reports

I have attempted to submit disputes on my credit report multiple times since XXXX My letters have not been responded to and my ability to submit disputes online they will not allow because they are saying my addresses are linked to accounts. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires all 3 credit bureaus to report accurate information- Experian have incorrect address on my credit file and do not have the actual real address listed. They also are listing all of these different variatrions of my name. The incorrect addresses listed : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX and XXXX XXXX XXXX XXXX, PA XXXX XXXX These need to be removed immediately. Experian is getting this information from XXXX XXXX who i am in litigation with currently for sharing this incorrect information. The only address that should be listed on my credit report is : XXXX XXXX XXXX XXXX PA XXXX. The only name that should be listed is XXXX XXXX XXXX without any other variation of it. I appreciate your prompt compliance with removing these multiple inaccurate accounts immediately off of my credit report and in return I will not require compensation for the extreme damage it has caused my livelihood. I have attached documentation that shows my correct address as well as my ID. Please comply immediately and remove all inaccurate information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute made, it went off my report since it was incorrect, then showed back up again, lowering my score. Both of these accounts are errors!!!!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. However, I have reason to believe that the aforementioned entities have mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed. Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the aforementioned entities have reported information about my accounts without obtaining such instructions from me, thereby violating this section of the FCRA. I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against the aforementioned entities to ensure compliance with the FCRA. Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with the listed entities, and any other pertinent information. I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. Thank you for your assistance in protecting consumer rights under the FCRA. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/XXXX