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

This is my NUMEROUS plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or cash. Please take away THESE ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

good morning ( afternoon ) dear agency I am suffering from an absurd abuse I receive more than 70 calls a day from the company they threaten me a lot I receive a lot of unknown calls about these collections asking for money to pay these collections on my credit I changed my address for this reason they are threatening me they are telling me too many abusive words i get scared i moved from house to live in another house i get really scared please delete these fraudulent collections
Product: Student loan

I attended college in XXXX  an didnt finish it due to personal reasons never received money from Financial aid or any loan consumer for the time I was enrolled I asked the school have they received my student check said they did not but I have the loan on my credit report XXXX loan was XXXX and the other loan is for XXXX thank you hope to hear from you soon
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX .P. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account.

EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

I have made multiple attempts to speak with this company and have disputed the information related to this collection. It is not correct. I have never owed " XXXX '' any money.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initial available funds. I request investigation into my account transactions.
Product: Mortgage

I submitted a form to get a pre-approval letter for a mortgage within the application of Mr Cooper that I used for a monthly payment of my current Mortgage with them. 
Somebody called me, XXXX XXXX, NMLS # XXXX, and I gave him all the required information, including my SSN. He already had all the rest, like email, the company I'm working for, address, tel #, etc. 
Later that night, I received an email with more requirements to move forward on the process, which is fine. But this morning, a day later, I received several calls and texts from other financial companies asking me to work with them. So, after submitting my request and personal information to Mr Copper, I start receiving calls from other companies with my information. Did Mr Copper share my info? They have not only my ssn but also my bank and personal information ; I can not trust them any more, but I am stuck with them since they are owners of my Mortgage.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Product: Checking or savings account

On XX/XX/XXXX, I received an email notification from Wells Fargo that my debit card had been " turned off '' as requested. I did not make this request, and it prompted me to view my accounts through online banking through Wells Fargo. Upon logging in, there were unauthorized transactions that included a total of {$10000.00} transferred from one checking account to another, and then pending charges from my debit card to " XXXX '' ( {$3000.00} and {$2000.00} ), which cleared on XX/XX/XXXX. 

I immediately called Wells Fargo and filed a claim and froze my accounts. Since I did not request to have my debit card turned off and the email did not include a reference number, the representative said that I had to go into the local branch to change my account numbers. I did this on XX/XX/XXXX, which was as soon as possible with my work schedule. 

I was contacted by an investigator from Wells Fargo who asked me general questions about my banking routines ( e.g. how often do I log in ). However, they did not ask in-depth questions related to the account transfers or about " XXXX ''. I have never had business with XXXX, and this is evident in my account history. It's my understanding ( after a simple XXXX search ) that this company is a money transferring service to other countries. 

I was informed XX/XX/XXXX that my claim had been denied. They provided no further information and stated that I had to request the investigative documents to be sent which would take 30 days. They said there is no appeal process and it had been deemed that I authorized the transactions. I asked how they came to this conclusion because it is blatantly false. No further information was provided. I escalated the call to a manger. The only option was to have an investigator call me back. 

Since then, I have filed a complaint with the local Wells Fargo branch and the AZ Attorney General XXXXs Office, and consulted with an attorney. I was asked if I had filed a police report by the initial investigator and I informed him that I would be happy to, but did not know if I needed to since the dispute was in their hands. He had no response. I have since filed a police report with the XXXX Police Department. 

I have been banking with Wells Fargo for well over 20 years, and I have been fortunate to not experience this before. However, they have questioned my credibility and made me feel like a criminal rather than the victim. It is clear that someone had unauthorized access to all of my accounts, as well as my debit card number, which was in my possession. This is terrifying and they are not offering any assistance. I would imagine this happens to millions of people, and I hope they are treated the same way as an honest citizen.
Product: Credit reporting or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$790.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} ( Original Creditor : XXXX  ) XXXX Balance : {$330.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

This credit collection company XXXX XXXX is reporting inaccurate ; erroneous information attaching it to my name and social security number trying to ruin my credit life!!! First, 1.  They are reporting two debts that are EXACTLY the same. XXXX actually transposed the first 3 numbers of what they call an account number - and duplicated the account onto my consumer credit profile with the credit bureaus 2. They're also reporting a third debt that there's no knowledge of. 
3. These debts have no validity and are inaccurate 4. They are in direct violation of HIPPA by reflecting account numbers and names of original health care providers ( disclosing personal consumer confidential information to a third party ) 5. They claimed a name change from money recovery to RMP yet still reporting money recovery inaccurate collection accounts on my credit bureau reports - complete violation. 
6. They are refusing to remove these inaccurate listings asap from my credit bureau reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A debt collector Caine & Weiner XXXX XXXX, has a fraud account on my Equifax credit report. I have police reports along with my ID and Passport proving I was living out of the country for several years. This is some kind of Fraudulent Identity theft/Financial theft. I do n't owe this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from XXXX XXXX which was totaled in XX/XX/2020 due to hurricane. The Insurance Company ( XXXX XXXX ) paid off the the pay-off amount that was requested by XXXX XXXX. XXXX kept falsely reporting that my account was still open and that I had a balance of more than XXXX , but it showed no late payments. When I asked XXXX  and XXXX to correct the information so my report would show that account as closed and as paid off as agreed, things took a disastrous turn and they changed to amount to XXXX $ but it also shows that I have been in late payment since XX/XX/2020. My score went down XXXX points in one day because of the WRONG and FALSE adjustment. 

My account should show XXXX balance and should show Paid as agreed, and should NOT show any late payments. And should show that account as closed as well. 

I need this to be corrected so my score bounce back as it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft DPT EDXXXX Account Number : XXXX This is not mine. 

2. Identity Theft SALLIE MAE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX/XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX it is illegal to report information on my credit report without my permission, please remove this off my credit report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Remove this off my credit report Thank You.
Product: Credit reporting or other personal consumer reports

None of the dates match and the account is not validated at all. XXXX put last reported XX/XX/24 & XX/XX/24 and thats not true and they cant update that because thats when I filed a dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I wire transferred {$170000.00} from my checking account to NationStar Mortgage LLC XXXX, TX to retire loan # XXXX held in lien on a property located at XXXX XXXX XXXX XXXX XXXX, NV XXXX. As of today no action has been taken on the part of the lender to pay off the mortgage or return my money. I've made numerous calls to associates of the lender and have received nothing but the run-around. No one seems to be able to answer my questions. I have not received a single email or phone call to get to the bottom of this situation and am finally reaching out to you for help. Besides many sleepless nights on my part, my son-in law has had negative reports registered on his credit reports that will affect his borrowing qualifications and interest rates for who knows how long. According to the company 's Resolution Team I should have received an answer within 7-10 business days. This time period expired days ago.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a 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 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: Checking or savings account

In the month of XXXX i opened a checking account and in the month of XXXX someone started making transactions with out having XXXX to my card. which makes me think that my card has been duplicated. The following dates are from the transactions that i did n't do and did not give authorization. 
XXXX XXXX transaction of {$35.00} XXXX XXXX transactions of {$32.00}, {$94.00}, {$100.00} XXXX XXXX transaction of {$61.00} XXXX XXXX transaction of {$100.00} XXXX XXXX transaction of {$230.00} XXXX XXXX transactions of {$32.00}, {$4.00}, {$240.00}, {$440.00}, {$87.00} XXXX XXXX transaction of {$12.00} XXXX XXXX transactions of {$32.00}, {$20.00} XXXX XXXX transactions of {$11.00}, {$41.00} XXXX XXXX transaction of {$34.00} XXXX XXXX transaction of {$34.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} XXXX XXXX transaction of {$50.00} In the month of XXXX, I noticed what was going on because i was going to withdraw money from my account and there was no more funds available for the amount of {$1500.00} that i needed.Therefore i went to the bank to get an explanation. The bank only told me that that they would only be able to respond for the month of XXXX and XXXX and they could n't do anything about the previous months for XXXX to XXXX. At that moment i asked for my account to be frozen and i was told that there was no problem with that and i was even given a new card with a new number. On XXXX XXXX i received a call from the bank around XXXX PM. In which i was asked if i gave authorization to a transaction of {$50.00} to which i said no. On XXXX XXXX i went to the bank with my daughter and spoke to XXXX. Who was n't able to give us any information in regrades to the call that was made the day before form there branch to me. Since she was n't able to give us any information she called the XXXX whose name is XXXX XXXX and asked her is she was the one who had called me. she said yes but that it was only to inform me that i was getting {$100.00} back for the month of XXXX and XXXX. Which is not true. I was n't told that at the time of the call. After that my daughter asked to see where in the system it said that the account had been frozen and XXXX said that there was n't anything indicating that the account was frozen. So i asked for my account to be frozen and to show me where it said that i wanted my account to be frozen. XXXX put a note on all windows that said that i could n't do any type of transaction unless i went to the bank personally until i gave the order for that to be removed. From there XXXX said that the bank was going to investigate but the investigation could take up to XXXX to XXXX days. Which i agreed to because this account is from my money and i trusted the bank. That is why i need to get my money back.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to appeal the suspension of my PayPal account, which was banned immediately after I registered for it. As a first-time user of the service, I am confused and concerned about the reason for this suspension. I have not had the opportunity to engage in any activity on my account, and I am not aware of any policy violations or suspicious behavior that would justify this decision. 

I would like to request that my account be reinstated and that you provide me with an explanation for the suspension. As a new user of your service, I was looking forward to exploring the benefits of PayPal and using it for my transactions. This sudden suspension has caused me great inconvenience and has left me with a negative impression of the service. 

I kindly ask that you review my account and provide me with a clear explanation of the suspension. I am eager to resolve this issue and continue using PayPal in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Bankruptcy XXXX Account Number : XXXX and 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 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

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX