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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

On XX/XX/XXXX I returned shoes to XXXX XXXX in which waited the allowed time frame to get my refund. In which didnt get the refund then disputed the transaction and received the money on XX/XX/XXXX. Then they took it back from my account XX/XX/XXXX. I have been disputing this since XX/XX/XXXX. They have yet to fix it then. Theyre disputing incorrect merchant. I am beyond furious with having to do their job and not getting the customer service I should be getting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Inaccurate reporting of scattered late payments from bureau to bureau. Must be 100 accurate and verifiable. Correct these late payments at once. 
XXXX  XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Inaccurate reporting of scattered late payments from bureau to bureau. Must be 100 accurate and verifiable. Correct these late payments at once. 
XXXX XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

on Thursday last week I sent a payment to my son of {$150.00} for a trip to XXXX. In the subject line I put XXXX trip. On Friday cash app froze my account and I cant transfer money to my bank. I cant buy anything and I cant transfer to anyone else. I can not access any of my money. They sent me an email stating that I needed to tell them within one to two days who this person was how long Ive known them and what is the purpose of the. And that they would respond to me in one to two days. they have not responded yet and they are holding {$350.00} of my money. I have sent them all the information they needed about my son and how long Ive known him and where hes going and why. And they have not responded. Ive talked to their customer support via chat and on the phone and they are very rude and wont tell me anything. They said that they arent in that department. They told me to wait for an email. Ive been waiting for an email they held this two days before XXXX. I am on a fixed income. I am XXXX and I couldnt get any XXXX presents for anyone and I dont have any money to eat either so I dont know what Im going to do. Ill probably have to go to the food bank or wait for my check to come in but as of right now Im out of luck I guess. I feel like this is illegal what theyre doing please help
Product: Student loan

Fedstudentaid.gov states i have no payment due. 
And the link to MoHELA takes me to a website that also states I owe nothing. 

Another MoHELA link takes me to an account that states my payments are multiple months over due.
Product: Checking or savings account

When I added XXXX $ New money I was told by the Wells Fargo banker that that qualified me for a higher interest rate.. I was never told that I need to deposit {$25.00}, XXXX Never told!! If that were the case I could have come up with the additional funds!! But the banker told me {$22000.00} was all I needed for the higher interest rate .. now the bank is Lying to you and you are believing them!!! That is sad as you should protect the public. Wells Fargo has deceptive bank practices and you are not protecting the public from them!! I was promised additional interest with the {$22000.00} deposit as the banker promised me!! Nothing was said that a {$25000.00} deposit was needed never said!! They promised me the higher interest and I opened a new XXXX account!! Had I known they were lying to me in order to get me to open a new account I would have never opened it!! I have started to pull my funds out of this deceptive bank, now you need to do your job and stop them from promising customers higher interest and then not giving it!! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with Experian credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update to paid as agreed/never late. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Debt collection

I was transported to XXXX XXXX from my home by XXXX XXXX XXXX company. on the way to hospital the billing information was given. Medicare plus a supplemental insurance. I never received a bill from anyone. On XX/XX/XXXX at XXXX Pm I received a call from Commercial Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. The woman on the phone started off aggressively screaming at me that I owe them {$2300.00}. I told her there must be some mistake that both Medicare and my supplement insurance would have covered it. It has in the past. She started screaming very loud if you don't pay me right now i will put this on your credit report. I told her if you keep screaming at me i will hang up. she continued so I hung up .... XX/XX/XXXX at XXXX XXXX I called XXXX XXXX 's office I spoke with XXXX XXXX XXXX XXXX. ( He can be contacted for the communications between him and Commercial Acceptance. ) XXXX advised me that the ambulance billing company never billed the invoice they held it then sent it on to collections, XXXX XXXX billing department. supervisor 's name XXXX XXXX XXXX. XXXX has been in constant contact with Commercial Acceptance. Commercial Acceptance has continued to refuse to remove the information from my credit report even after they have been told from both XXXX  and the billing office the invoice has been paid. XXXX at my direction has been weekly contacting them to have it removed. as of today XX/XX/XXXX XXXX am, it has not been removed. I'm formally requesting that you have someone look into this. Thank you.
Product: Checking or savings account

On Thursday XX/XX/2022 I spoke with several customer service representatives regarding my payroll direct deposit. My companys pay day is every Thursday ; however, my payroll check has failed to deposit into my account. I spoke with my HR representative who provided me with my direct deposit/check number. I called Chime bank regarding my direct deposit, they stated that my employer has failed to send it despite me having the direct deposit/check number. 

Upon investigating several customers that bank with Chime also have no received their payroll/direct deposit. It is now over XXXX hours and I have still not received my payroll check. The customer service representatives are of no help in resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX Account Number - XXXX Amount - {$2100.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$920.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$1000.00} XXXX XXXX XXXX Account Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount - {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 pulled my credit report because score was low realized that 20-monthly car payments not reflected on credit file from original lender ( XXXX XXXX XXXX ) not one payment was ever reported. In XX/XX/2018 loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. In XX/XX/2018 reached out to the current lender explaining 20- monthly payments wasn't recorded to the 3-major credit bureaus ( TransUnion , XXXX, XXXX  ). XXXX sent a written response stating there is nothing they could do about the current situation. My loan with XXXX XXXX is reporting with the credit agencies, but it reflects a new loan as appose to an existing loan.
Product: Debt collection

A collection was initiated for an emergency room bill from XXXX XXXX XXXX XXXX in XXXX XXXX, Florida that occurred in XXXX XXXX. The billing should have been for my daughter XXXX XXXX who was not my dependent at the time and not living in my home. I have never received a bill for the debt. XXXX XXXX XXXX XXXX billed me by assigning my social to my daughters name XXXX is XXXX/XXXX/XXXX and last XXXX of social is XXXX. My name is XXXX XXXX and DOB XXXX/XXXX/XXXX. This has shown up on my XXXX credit report for the last 3 years and been cleared by disputing it. Now XXXX says that they have checked with Commonwealth financial systems and it is my debt. 
I called on XXXX/XXXX/XXXX and spoke with XXXX at Commonwealth and he assured me that the situation would be rectified. As of XXXX the dispute says that Commonwealth Financial Systems confirmed it is my debt. I did speak with XXXX XXXX at Commonwealth who wanted me to send copies of my social security card and drivers license to them to verify. I will not give out my information to them as they are the ones that made the error and I am concerned about them breeching my privacy again
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally complain about inaccuracies found in my credit report regarding my XXXX XXXX account ( # XXXX ). Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I have identified inconsistencies and incorrect information that I request be investigated and corrected immediately. 

The following details highlight the discrepancies : TransUnion Report : The high balance is reported as {$1800.00}, whereas XXXX lists it as {$0.00}. 

The Dispute Status states that the account was " not disputed, '' yet XXXX shows the account as previously disputed and resolved. 

The Payment Status reports the account as charged off as bad debt, which does not align with other bureau reporting. 

There is a discrepancy in the Date of Last Activity ( XX/XX/year> vs. XX/XX/year> as reported by XXXX ). 

XXXX Report : The High Balance is incorrectly reported as {$0.00}, which contradicts XXXX report. 

The Payment Status states Unpaid balance reported as a loss by the credit grantor, which is inconsistent with TransUnions reporting. 

The account was previously disputed and resolved, yet TransUnion does not indicate the dispute status correctly. 

XXXX Report : No information appears to be reported for this account, which raises concerns about incomplete or missing data. 

These inconsistencies are significantly impacting my credit profile and require correction. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be deleted. 

I have attached copies of my credit reports highlighting these discrepancies for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA did not verify the negative accounts of which this grievance pertains to. The FCRA states that anything reporting to the CRA has to be according to law verified not validated. Proof of debt must be provided at my request.
Product: Money transfer, virtual currency, or money service

I received an email from Coinbase advising me that my account had participated in " unauthorized transactions, '' and that they were forcing my account to close. I was directed to transfer funds away from my Coinbase account. I transferred BTC and ETH balances, but the USD balance is unable to be transferred because I have n't added a bank account to my profile. The system will not allow me to add a bank account because it is forcing the closure. I have submitted a ticket with Coinbase ( a month  ago, with no response ), and the automated system for " self-help '' does not address this issue. I have USD sitting in this account which they will not release to me, or even acknowledge.
Product: Credit reporting or other personal consumer reports

Fraudulent collection accounts XXXX XXXX XXXX Opened XX/XX/year> {$840.00} Unauthorized inquiries XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA.

Lastly, You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation. 


Respectfully XXXX XXXX UCC-1-308 Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that I do not recognize or remember authorizing. Specifically, I would like to dispute the following items : XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and remove any inaccurate or unverified information from my credit report. I demand that you investigate these inquiries and verify if they were authorized. If you are unable to verify that I authorized these inquiries, I request that you promptly remove them from my credit report. 

In addition, I noticed an account on my credit report that I can not recognize : CHILD SUPPORT ENFORCEM, account number XXXX. Under the FCRA, I have the right to request that you investigate this account and verify if it belongs to me. If it does not, I request that you delete it from my credit report. 

I would appreciate your prompt attention to this matter in accordance with the FCRA. Thank you for your assistance. 

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

I am a member of chime online bank. On XX/XX/21 I tried to purchase gas and my debit card declined. I went into the app and saw that all of my accounts have been drained. Upon inspection, it appears that somebody hacked into my account, transferred all the money from my savings and credit builder account into my spending account, and then transferred that money to another chime user. There were multiple transfers listed on my checking account. The first was a transfer to a phone number, XXXX for the amount of {$1500.00}. The note for the transfer said bill money. The transfer was immediately returned back into my account. Minutes later. Another transfer was processed to someone named XXXX XXXX for the amount of {$1500.00} again with the note bill money. Moments later another transferred was processed to the same user for the amount of {$150.00}. Since these transactions were transfer from one chime bank account ( mine ) into another chime bank account, they settled immediately, giving me no time to dispute the claims before my money was gone. I called chime bank as soon as I noticed and was told to fill out a form and maybe I would get my money back in XXXX if chime decided the transactions were in fact fraud. I insisted that because this was an issue with their security, and happened through no fault of my own that I be returned the money stolen from me immediately. I was put on a 30 minute hold to speak to a supervisor and was then hung up on. This was not an issue of my debit card being stolen or purchasing something from a sketchy website. This was a breach in chime security. They failed to keep my money safe even though I took all necessary precautions. I have my phone on my person at all times and it is protected via Face ID and passcode. I have never shared my chime password or passcode with anybody. By refusing to take responsibility and give me back my own money, they have left me with no way to pay bills or purchase food or gas. I received no help from the company whatsoever and fear that my money will never be returned to me. My only mistake was choosing them for a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this report is a Identity Theft Report from the Federal Trade Commission. The following accounts and credit inquiries listed on my Experian and XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX : XXXX, {$450.00}, XXXX XXXX XXXX  : XXXX, {$110.00}, XXXXXXXX XXXX XXXX XXXX XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022
Product: Mortgage

XX/XX/ loan transfer from XXXX  to Right path servicing dept.XXXX with numerous phone calls faxes and email documents no one seems to know what is going on. I am a XXXX citizen, and never missed any payments. Escrow was added to my loan again without any consent. A forced lenders insurance was added without my consent at a premium.No one seems to know how the payments were applied.I had to come up with just under {$4000.00} for not going into default. 
I have had to add my son to my loan, as a senior I am not tech savy. 
I feel like I am been pushed around .My insurance was up to date yet Right path went ahead and paid another premium.PLease I appreciate all the help .The 60 days grace period will be up onXXXX 
Thanks in advance.