23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon reviewing my credit report there is an collection account from Phoenix Financial Services which notes an {$85.00} medical. My credit report states this was open on XX/XX/2017, This debt and account is inaccurate and not mine. I have never received any written communication in reference to this account or any knowledge of this. I have not received any medical treatment on or around the date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second dispute pertaining to XXXX they have fraudulently verified late payments, XX/XX/2022 letter sent from XXXX states no delinquent payments but you still report to credit bureau as 30 days late and now 60 days late in one month XXXX has been verifying fraudulent payments, I never made, if such payments were made why has the balance never decreased according to their records on a closed account and fraudulently re-aged a closed account. 
Under 15 U.S. Code 1681n as a result of the failure XXXX  owes damages of XXXX dollars per violation. 
These violation were confirmed by XXXX to the credit bureaus, myself and to the CFPB. YOUR verified company response dates are the following dates XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Remove fraudulent inquiry 's from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX,  XXXX,  XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against ( Block inc ) due to customer service issues and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their resolution process was unfair, deceptive, and unjust, 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: Debt collection

I moved from my apartment on   XX/XX/XXXX  and stopped service with  XXXX  on  XX/XX/XXXX . They told me I could take all my products from my apartment tinny house and it would be connected to the  same account number. I tried to connect to cable when we moved to the house and nothing worked. They had to change out all the boxes.   XXXX  I received a different account number from them and called them multiple times to verify this. So what is on my credit report is a bill they never mailed me.
Product: Money transfer, virtual currency, or money service

I purchased a small amount of cryptocurrency from Coinbase.com about two years ago or so. I lost access to the account once because I didn't remember my password and had to follow their steps to regain control ( to include taking a photo of the front and back of my license and to take a selfie so they can confirm I am truly the account holder ). The first time I did this it took a few days but I was able to get back into my account. 

Recently I tried to access my account so I can complete my taxes. I was not able to gain access so I followed the steps as before. However, this time, no matter how many times I took a photo of my license I would instantly get a message that said the system could not confirm it was me. I called their customer service line a few times and the people who were helping me said they would manually review my documents when I forwarded them, to include the selfie I sent. 

Each time I sent a photo of my license, which was crystal clear ( I used my straight out of the box XXXX XXXX phone to take the photos and it is known for its picture clarity ), the system would not let it go through so the staff weren't able to verify the information. It literally gave me the instant message that it could not confirm me. If someone is manually reviewing the documents it could not possibly have gone that fast. 

Further, according to the last staff member I spoke to, because of this issue there is literally nothing I can do to access my money. I know it's a nominal amount because I have not been in the system for quite a while. I find this practice questionable because the issue is with their platform that won't let me in, not with the documents I sent. 

I understand and very much appreciate the safeguards Coinbase.com has in place to avoid fraud because of all the issues around cybercrime today, but I didn't do anything different this time to get reconnected than I did last time. I do not feel like this is my fault and would like it resolved. 

Ultimately I would like to cancel this account immediately if at all possible. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Shopping Mortgage rates. I was reviewing my credit report. While reviewing my report there were numerous credit inquiries from a company XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to contact XXXX, equifax, and XXXX, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and XXXX and equifax are ignoring my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to TransUnion, XXXX, and XXXX. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.
Product: Credit card or prepaid card

I was given a XXXX gift card from a relative, had had problems from the beginning trying to use the card. when I went to a store in XXXX it was declined, I had never used the card. called the company and there was a XXXX withdrawl to XXXX new york. I have never shopped at XXXX. I have called the credit card company 5 times and have faxed all the info they have wanted from me 4 times. Now they state after over a month that they can not read the info, the faxed cards number 's will never be seen on a fax due to the picture on it, I was asked to supply all info, receipt, my drivers license, copy of the card front and back, my address, phone, name etc. 
the credit card company is abcorp. issued by U.S. Bank National Association. 
I did not use his card. I was asked my code when I was unable to use the first time. I think am employee of the company used the card, it was used on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a check in XXXX as part of a pre-screened offer. Check was valid until XX/XX/XXXX. It clearly says pre-screened to receive the check. I don't apply for things to avoid hits to score and in dealing with loans previously I know if I got a live check they've determined you met credit criteria and did not have to run credit again. I cashed check on XX/XX/XXXX due to car issues taking out loan. On XX/XX/XXXX the company XXXX XXXX ran a hard inquiry with equifax knocking my score down 3 points. I immediately called them and they initially denied it and said only soft pulls are done for pre screen offers and I should NOT have gotten a hard inquiry. XXXX and a diff female rep said a manager would be in touch on XX/XX/XXXX because that shouldn't have happened. When I didn't hear back I called and this time XXXX says they did but couldn't tell me why they did it after the cash had been cashed and when I didn't consent to a hard inquiry. I want this removed because they lied and this is bad business practice. Prescreened mail in check means it was already determined and I did not authorize that hard inquiry.
Product: Student loan

Background : I have a federal XXXX student loan with ECSI Heartland that I took out from XXXX. The original balance was XXXX and I currently have approximately XXXX remaining. I put my account on auto-debit prior to XXXX of XXXX so I wouldn't have to worry about missing a payment. ECSI auto-debited {$110.00} from my checking account each month prior to XXXX of XXXX. In XXXX of XXXX they did not auto-debit my account and I received a notification that month that my loans had been deferred because of COVID-19. Each statement I received in each month thereafter showed that I had a past due balance of {$0.00} ( see attached statements ). 

This morning I was unexpectedly charged {$110.00} dollars ( the amount of my monthly payments ) on my XXXX loan by my servicer, ECSI Heartland. Logging in to my account, the online portal told me I had a past due balance of {$280.00}, and that now, with the {$110.00} auto-debit, I still owed {$170.00}. 

I had not made a payment since XX/XX/XXXX due to COVID-19 forbearance and received a bill of {$0.00} each month since then. I was under the impression that XXXX loans, as federally-subsidized loans, were in forbearance until XX/XX/XXXX and had not received information to the contrary. 

When I called and asked why my account was auto-debited and why I suddenly had a past due balance, the person I spoke with told me my loans were no longer in forbearance. When I asked why, she told me that XXXX XXXX " aren't part of the XXXX Department of Education '' ( WHAT? since when? ) and therefore ECSI didn't have to follow the CARES Act or the deferral issued by the President this spring. 

She also told me that the past due balance was for an unpaid month -- XX/XX/XXXX. When I asked her why it would be unpaid if I had enacted auto-debit, she told me that my auto-debit had been " temporary. '' When I asked why ECSI then was able to suddenly resurrect my auto-debit in XXXX, she could not answer. 

I was not notified that ECSI was not party to all other federal loan regulations. I was not notified that I had a past due balance for two years. I was not notified that my audo-debit would resume this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nes called me in early XXXXstating I had an outstanding medical bill. I did not recognize the date of service and I did not recall ever receiving the medical treatment they described. I asked them to send me documentation and never received anything from them again
Product: Debt collection

AS I TOLD XXXX THIS WAS OPEN USING MY ID AND NEVER ORDERED XXXX ALSO, STOP ROBO CALLING MY FAMILY WE NOW HAVE 17 CALLS TAPED AS WELL AS SCREEN SHOTS.FINALLY GET OFF MY CREDIT REPORTS OR SUED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint XX/XX/2022 for identity theft and improper use of reporting credit with Consumer Financial Protection Bureau. I understand that XXXX, XXXX and Equifax assumed a vital role in assemble information on me as a federal protected consumer. XXXX, XXXX and Equifax is impeding the banking system. XXXX, XXXX, Equifax is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, XXXX and Equifax ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, XXXX and Equifax ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged onto my XXXX account today & saw there was a XXXX  XXXX account listed on my page. I have never had an XXXX  XXXX account in my life. I called in & they closed it. They used my old cell phone number, address that was similar to mine & a fake email with my name in it. I then logged into XXXX XXXX & saw there was a hard inquiry that was made on XX/XX/22 under the name XXXX  I can assure you this is not me & I would love it if someone could help me to get this taken off my credit report. Thank you so much!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
The following addresses are not accurate please delete them : XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX   XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 1 year, I have been dillegently demanding proper validations of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have NOT been provided the mandatory validations of these accounts which includes : * Signed and dated contracts from the above mentioned accounts * locations where these accounts were allegedly opened, representative name and contact information who opened these accounts * complete account numbers * account balances, opened closed dates These allegations are damaging my credit and causing me distress and loss of employment due to its adverse affects. 
I am a victim of identity theft in addition. 

This bureau is violating : * FCRA 611 ( 15 U.S.C. 1681 ) * FCRA 623 ( a ) ( 7 ) *FCRA section 1681c *FCRA 611 ( 5 ) ( a ) * FCRA 609 ( a ) ( 1 ) ( A ) * section 611 ( a ) ( 1 ) ( A ) I demand that these accounts be deleted immediately. Otherwise I will have no chose but to persue legal action immediately under ( Section 616 & 617 ) if you fail to comply with the FCRA.

I have several receipts for my USPS certified mailed, notarized affadavits to this bureau demanding complete validation of these allaged accounts as well as stated that I am a victim of identity theft and that these are not my accounts.

They have refused to validate or delete these adverse accounts/late payments from my reports.

You are required to have a copy of the original creditors documentation on file, according to the FCRA.

Simply sending me a generic response stating " account updated '' is not validation. 

Signed, Distressed Consumer, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

On XX/XX/23 i won a jackpot at an online social casino totaling {$20000.00}. I won ~ {$10000.00} in various gift cards and got {$10000.00} cash direct deposited into my checking account. Well on XX/XX/23 I at a different online social casino I hit a grand jackpot of {$66000.00}. I took {$9000.00} cash being directly deposited into my checking and am getting check in the mail for the remainder ( {$51000.00} ) from XXXX XXXX. Ive started getting these emails that I felt were suspicious from someone claiming to being an employee of chime  ( whom I bank with ) so I call chime and ask them if they issued email from an XXXX every representative Ive spoken with all told me that that is not a chime email dont respond to it. So I didnt. Well these emails were threatening to take adverse actions on my account if I dont respond. So I kept calling chime terrified that someone was about to take over XXXX  accounts and steal My money. Well turns out that on XX/XX/23 chime froze my account and kicked Me out of my online access entirely cut off. I can no longer get my documents or my money or see anything to do with my accounts. Ive done everything they have asked to show proof of everything. There is so much information and its So traumatic that they cut me from my finances with no explanation. They got XXXX you suddenly permanently close my account with them due to violation of terms and conditions. But never said what therm I violated and I have asked several times. I not get the same email from the same XXXX telling me they are afraid they have not received sufficient evidence. Your account is suspended for your security. Over and over. Now when I email XXXX I dont even get a response. I get an email from outreach with the same email. The have taken {$4000.00} from me and i Dont know what to do to get my money. I even got proof from the social casino what the money is deposited from and how Much I redeemed. I gave them a copy of my Drivers License and proof of address. And all I get in response is the this email. I still dont have any kind of access to my accounts.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXXXXXX Balance : -XX/XX/XXXXBalance : - XXXX XXXX Balance : {$4100.00} XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXX/XX/XXXXXXXX, CA XXXXXX/XX/XXXX XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXX :XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX XXXX / {$0.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters and not received anything back I had I didnt make that I have asked for written consent from the company showing that I signed for these accounts I believe these were done fraudulently