23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a complaint against XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. That collection account was an account originally from XXXX XXXX. The XXXX XXXX solutions was deleted from my credit reports after filing the complaint through CFPB. 
Now another collection agency named Franklin Collection Service is now reporting this same XXXX XXXX account on my credit report. I have never lived in an area wheee XXXX XXXX has even been available.
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 Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have trading Bitcoin on coinbase for a couple of years and have increased my portfolio as well as added more funds to it. Recently, Ive been using it instead of my bank for all of my personal savings, because I was easily able to both deposit and withdraw. Last month, I was traveling and lost my phone which meant I lost access to my XXXX authenticator application used to verify my identity when logging into coinbase. I followed their protocol to resubmit my identity documentation and waited the appropriate 72 hours.

My identity submission was denied without explanation and my account was disabled. I then logged a case with them begging for their assistance and although my account is no longer disabled I still have no way to access it without my old device and the authenticator codes. I have sent emails almost daily and only received the occasional we will get back to you when we can response and usually only that when I log a new ticket. I have now been locked out of my funds for 5 weeks.

I have all the emails Ive sent but wont attach them here as I read above not to include any personal or account information unless asked to do so.
Product: Consumer Loan

I took a {$1200.00} internet loan out in XX/XX/XXXX and was set up on 8 month installment loan and when the date became due I called Cash Net USA back to advise my medical conditions going and would not be able to pay. Was told it was okay and they would work something out with me, instead they went into my bank account and withdrew the funds causing a major overdraft on my account so I stopped pay on all payment and ach withdraws. Since that happen Cash Net USA has called me every day XXXX times a day and now they are calling my references and on XX/XX/XXXX they called my son phone and left a message that his name was XXXX XXXX, Legal Counsel and he will come by house on Tuesday, XX/XX/XXXX with court papers claim # XXXX and if I wanted to stop him I would need to call him at XXXX XXXX, and to consider myself as being served. XXXX d/b/a Cash Net USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and my account number is XXXX
Product: Credit card or prepaid card

Macy 's w ebsite showed the balance owed and I paid that balance. I requested that my credit card be closed.     I continued to be on their email list for sales but just ignored the mails then I get a call a few months later saying that somehow when I closed my account they billed me another dollar so I had a few months of fees ( each month a few more dollars to be paid ). I did not think this was correct but the representative assured me that if I paid the  XXXX  the account would be  XXXX  balance. He processed the payment and then the next month I see again they are charging me another fee.     When I complained over their website portal they said I 'd have to call another part of their company to take care of it. When I explained that I would make a legal complaint against their company they replied that they were sorry and " Our record indicates that your account was closed on  XXXX / XXXX / XXXX , as you requested. As of today,  XXXX / XXXX / XXXX , you have a zero balance. '' Now I get an email and it has a balance due for  XXXX  of {$2.00}! How many people are they doing this to?
Product: Mortgage

There are funds of over {$5000.00} missing from XXXX funds! We have not been given proper accounting as to where our funds are there are missing funds being held as Surplus funds which are the same XXXX funds missing not accounted for on statements! This is not an escrow issue due to their being no escrow account on this account! The law mandates that all funds held by bank customer are reported per a taped conversation agreed to by both parties. Per the conversation it was stated that the funds not being reported are in banks possession of see below : Special loans team in Virginia headquarters service team XXXX XXXX XXXX messages left for her no response Where is the ledger of these funds what has the Acct number being used to report. The excuses given XXXX funds for emergency repairs XXXX funds for emergency repairs put to principal After two years in form of principal we know nothing if this not in loan docs! See Amortization schedule buy down {$16000.00} why how and how could this be done without refinancing? This would have to be a new loan, never late, pay own all no escrow immediately after escrow removed now this Where are the funds why do the statements not reflect the total funds held at bank and why? 

XXXX customer service representative XXXX XXXX put to principal After two years in form of principal new one on us, loan reamortized why we have not made any XXXX funds for emergency repairs put to principal After two years in form of principal, Company needs to report full record of XXXX  missing funds where is it, who has it, why is it not reflected on mortgage statement clearly what is going on! Why is there a new total buy down amount when no new loan was taken out, loan in good standing even after all the trucks tried to confuse and steal funds! THIS IS NOT AN Escrow ISSUE ITS A MISSING FUNDS ISSUE AND FALSELY REPORTING FUBDS, missing etc... 
This complaint is in both my name and my wife XXXX XXXX you have authority to discuss all with her as we work together! Please report this office Manager keeps being closed yet issue is not resolved!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the results of my second attempt to correct the late open account from my credit report. Despite my previous efforts, I have observed that the inaccuracies persist, negatively impacting my creditworthiness. I initially brought these issues to your attention and I have since submitted the required documentation and evidence to support my dispute. I understand that the credit reporting process can be complex, but I am disappointed to find that the inaccuracies on my credit report have not been rectified in a timely manner. The late open account on my credit report are inaccuracies that are affecting my ability to secure favorable financing terms and interest rates. I have attached copies of the previous correspondence, dispute letters, and the supporting documentation submitted during my initial and subsequent disputes for your reference. I kindly request that you conduct a thorough investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. It is my understanding, based on the Fair Credit Reporting Act (FCRA), that accurate and upto-date information is crucial for the fair evaluation of consumers' creditworthiness. I would appreciate your prompt attention to this matter, as I believe in the importance of maintaining accurate credit reports. Please notify me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. I am asking for your assistance to correct this late open account in my credit file: XXXX XXXX Balance: $0.00.
Product: Debt collection

received a collection bill from Transworld inc from XXXX XXXX opened under my name. This account is false and opened without my consent or acknowledgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXXXXXX {$680.00} XXXX  XXXX  XXXX {$420.00} XXXX/XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$120.00}
Product: Student loan

Since XXXX of XXXX when FedLoan Servicing became my student loan servicer ( taking over from XXXX ), FedLoan has been the source of a range of problems. I have experienced poor customer service, getting conflicting information about my loans & what I believe to be an inaccurate payment count towards my Public Service Loan Forgiveness. I have contacted FedLoan by telephone numerous times throughout the past three years only to be told that a report has been made & corrections towards the payment count would be applied, however this has never happened. FedLoan has not counted most of my payments towards PSLF for the three years while I was in an income-based repayment plan during my residency training ( XXXX ). Furthermore after graduating residency training in XXXX, I have been at the same job to this present time that I have verified numerous times through documentation with FedLoan, and payments towards PSLF during this time are missing/have not been applied. I also believe that some of my payments though the XXXX XXXX XXXX XXXX have been allocated in ways that tie me to the higher interest rate portion of my loans. These problems have lead to significant distress & confusion for me, leaving me with no other option but to contact the Consumer Financial Protection Bureau.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XX/XX/2024 Dear Chex System I am writing to request the deletion of all my personal information from your early warning system in accordance with data protection regulations, specifically [ mention relevant regulation if applicable, e.g., GDPR, CCPA ]. Please find below the details necessary to identify and delete my information from your records : - XXXX XXXX XXXX - XXXX - Any other identifiers or information associated with my account : ] I understand that under [ mention relevant regulation or company policy ], I have the right to request the deletion of my personal data. I hereby exercise that right and request prompt action to ensure that my information is permanently removed from your systems. Please confirm in writing once my request has been fulfilled and provide assurance that my personal information has been securely deleted from all databases and backups. Thank you for your prompt attention to this matter. If you require any further information or clarification, please do not hesitate to contact me using the details provided above. Sincerely, XXXX XXXX --
Product: Mortgage

We filed a complaint here and dispute the vague response from the servicer Ocwen XXXX. The procedure to keep up with this complaint is a bit confusing to us. We called the phone # given XXXX XXXX XXXX and the person handling this case has a message that she will not be back in her office until XX/XX/XXXX. We were not disclosed the papers submitted to this case. Total bologna.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and unverified inquires put on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please help me the following does not belong to me/ is inaccurate account type : collection 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
Product: Money transfer, virtual currency, or money service

Cash app is hacked. Ad targeting. XXXX. Mirrored devise for XXXX XXXX XXXX.
Product: Checking or savings account

I am filing a complaint with the cfpb regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits, capital one has cited technical issues and I beleive this may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws. I would like to request your assistance in this matter to make sure my rights are being upheld. Thank you
Product: Credit reporting or other personal consumer reports

Experian is not abiding by the FCRA in regards to the XXXX XXXX XXXX closed account that is still being updated over 7 years. This account was disputed and ignored and continues to accrue personal damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b  ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

Complaint against Associate Bank, XXXX XXXX, WI XXXX Failure of Associated to stop the fraud, when they had the opportunity. 
On XX/XX/XXXX I determined that our computer had been hacked and we were victims of a scam. I called the bank to have our accounts frozen. At that time, I was informed that on XX/XX/XXXX two attempts using XXXX XXXX were denied but a third attempt of {$860.00} was successful. I filed a report with the XXXX XXXX police and a copy was eventually sent to the fraud division of Associated. On XX/XX/XXXX I filed an unauthorized transaction claim. On XX/XX/XXXX, I received a letter stating the bank was reviewing the dispute ( Case # XXXX ). I was never contacted for more information. Repeated meetings with bank personnel were unproductive. Letter dated XX/XX/XXXX stated the bank determined the transaction was valid and they would not be refunding my money due to fact that the XXXX XXXX was an authorized transaction using our cell phone, email and IP address. The question is why on XXXX. a money transfer was denied and at XXXX. was also denied. On XXXX. a withdrawl for {$860.00} was successful. I received no calls from Associated questioning these transactions. Note ; the primary phone number for this account is not my cell phone but a land line. The bank has never addressed these questions. 
I also have a complaint with lack of communication from Associated. The Minnesota Department of Revenue sent a check on XX/XX/XXXX and was deposited to the frozen account on XX/XX/XXXX to which I had no access. Only after checking with the state on XX/XX/XXXX did I find out where the money had been sent. The bank never notified me of the deposit and when I went to the bank, the teller told me I could have gone online which was impossible as the account was frozen. She then had to get someone to override the freeze to access my money.
Product: Checking or savings account

My bank account has not been allowing transfers for days and now my account is suspended for no reason. I can't pay my rent because these crooks are holding my money. 

I've now been on the phone for over two hours and have spoken with 4 people. One of them tried to gaslight me into saying my account wasn't suspended when it clearly said so on my account. 

This bank is clearly not fit to be handling anyone 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 and XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Product: Mortgage

Have tried for the past 1.5years to negotiate repayment plan with BOA/XXXX without success
Product: Debt collection

Requested a Verification of Debt from Midland Credit Management As of today, has not provided the requested information. 

MCM has not provided or responded to my request of verifying the information. 

Reached out to Midland Credit Management did not respond to my request at all. 

( See attached A ) Certified return receipt to MCM ( See attached B ) Copies of letter dated XX/XX/22 to MCM MCM is reporting non-verified information to all the credit reporting agencies and have not provide proof of ownership that this debt belongs to me.
Product: Student loan

I 've had my loans serviced with Navient since they spun off from  XXXX   XXXX , my original loan provider.     On Sunday,  XXXX / XXXX /  XXXX  , I submitted my monthly payment of {$530.00} for m y 5 l oans. On Monday,  XXXX / XXXX /  XXXX  , I calle d Navient to see about paying extra on one spe  cific loan ( a   service I 've only recently been offere d ). I was told that, yes, I could pay on just one loan, and that all of the money paid would be applied to principal. I was assured this   before, but I 'm re-doubling my efforts to get out of debt, and so I wanted to try again with the new site option to pay down principal on my specific, highest-interest loan.     I paid {$100.00} on this loan on Monday,  XXXX / XXXX /  XXXX  .     Today, Tuesday  XXXX / XXXX /  XXXX  , I log i nto Navient to see how my payment was processed after I see from my bank that both the {$530.00} paym ent submitted on  XXXX  and the {$100.00} submitted on  XXXX  were cleared on  XXXX .     I see that, instead of going fully to principal, they 've applied {$3.00} of the {$100.00} to interest, which a ) is NOT what the representative said, and b ) makes even less sense, as both payments went through on the same day (  XXXX / XXXX /  XXXX   ). If both payments are withdrawn at the same time, it makes no sense that there would be additional interest to pay.     This is flat-out typical of this company, who offered only forbearance with capitalized interest when I could not meet interest-only payments  for two  years after graduation from  XXXX   XXXX   XXXX    ( the  school who steered me towards  XXXX   XXXX , the initial lender ). I 'd attempted to pay additional towards my loans in the past and had the same sort of misrepresentation ; at least now I 'm able to determine which specific loan to pay down first. That option was not available before.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  ( account number XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that my identity information was stolen and was opened fraudulent student loans by U S. DEPARTMENT OF EDUCATION/XXXX. I submitted the POLICE REPORT from XXXX XXXX Police Department and FTC Identity Theft Report to the credit reporting agencies. XXXX  has deleted these fraudulent accounts but XXXX  and TransUnion have ignored all documentations I have sent them. I contacted XXXX  and TransUnion and they stated that the police report needs to be signed by the police officer. I went back to the police station and got the signed police report. However, these two credit reporting agencies : XXXX  and TransUnion don't pay attention to any documents and refused to resolve this problem.