23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have already submitted one complaint - XX/XX/XXXX.  This is an addendum to that complaint. Since filing, the company servicing my loan ( Great Lakes Student Loans ) has capitalized all of my interest. I am unsure why as I remain in the same REPAYE program that I was in last year. I have asked that this be corrected, or at least an explanation be given to me. At first submission - end XXXX / early XXXX - I was ignored and given no response. Since then, I have received nothing other than a quick response weeks ago that it is being looked into ( occurred on XX/XX/XXXX ). I am concerned that this will cost me additional money now and in long term. I am also concerned that retaliatory action is being taken against me due to my first complaint.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer 's safety.
Product: Credit reporting or other personal consumer reports

First Progress has illegally used my report to generate XXXX without consumers explicit consent.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had reports in regard my account with discrepancy between Credit report buroes, in regard high balance, last verified, date reported, date opened, account rating and creditor remarks this account was closed and legally paid in full ( see XXXX Report ). Agencies have a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide me proof with statements in regard of all those discrepancies I mentioned, if proof can't be provided, I demand this account must be remove from my consumer report. Thanks
Product: Money transfer, virtual currency, or money service

My account on CashApp is compromised. On XX/XX/year> there was a withdrawal made from my account in the amount of {$990.00} that I did not authorize. The person responsible then withdrew that to a XXXX XXXX  card ending in XXXX. As I stated I did not authorize this charge, I have no knowledge about this transaction and I even disputed this with CashApp and they denied my claim. Money was stolen from me. I look at previous transactions and they tried taking {$10000.00} from my account but I didnt have that in my account so they did a lower anmount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 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 XXXXXX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX, I took my son to the XXXX XXXX XXXX XXXX for a XXXX sustained during football practice. I paid my {$75.00} co-pay and later received a bill from XXXX XXXX for {$47.00} which I promptly paid. In XX/XX/XXXX, I received a bill from XXXX XXXX XXXX ( XXXX of Mississippi XXXX XXXX XXXX for the amount of {$120.00}. I ( incorrectly ) assumed this was a mistake and had already paid this because my {$75.00} copay plus {$48.00} ( rounded up from {$47.00} ) equals {$120.00} which is the exact amount I had already paid. 
In XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX XXXX XXXX that stated my account had been sent to them from XXXX. Once I received this, I dug further and realized that there were 2 separate {$120.00} charges, one from XXXX XXXX, and one from XXXX ( the doctor we had seen in the ER, XXXX XXXX XXXX XXXX. ) Once I realized my mistake, I paid the amount in full to XXXX XXXX XXXX on XX/XX/XXXX. ( Will attach receipt. ) In XX/XX/XXXX, I received yet another collection notice, this time from Phoenix Financial Services ( Agency Name ) with the current creditor listed as XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX and they sent me a statement detailing that I had paid and the date of payment received. When I contacted them back to let them know that Phoenix stated the date of service had to be on the receipt, XXXX XXXX Customer Service Representative told me that their receipts are standard and he could not include it on the receipt, but he did email me back stating the date of service separately. I will attach that correspondence that includes his contact information. I emailed the receipt and forwarded the email correspondence with XXXX to Phoenix. Phoenix then sent me a letter stating they had received my letter of dispute but that they had obtained verification from the creditor confirming the account information provided is accurate. The letter from XXXX also discloses that consumer reporting agencies report the account as disputed which indicates that they have sent this debt to my credit bureau. The number on the original XXXX bill is not a working number so I have no way to discuss this with them. XXXX refused to give me the number of the original debtor, and XXXX XXXX only has the doctor 's private practice number. When I called the private practice number, his business manager said she has nothing to do with that and would not give me an alternate number. 
I have proof this debt is paid yet XXXX XXXX XXXX, XXXX continues to harass me, attempt to collect a satisfied debt, and according to their most recent correspondence ( attached ), I gather they have reported the debt to my credit bureau.
Product: Checking or savings account

Approximately 154 days ago on XX/XX/19, I opened both a personal checking and money market account with BMO in order to receive a two promotional cash bonuses. I have met all terms as advertised for these promotions, but have received neither. I am now being told I do not qualify for the checking account promotion because I had an account with BMO with in the previous twelve months. The attached offer states that to be eligible one must not have had a PERSONAL checking account with in the last twelve months. The account that I previously had that BMO claims makes me ineligible was a business checking account for which I received a business checking promotional cash bonus. Therefore, BMO defines that account as a business checking account despite the fact that the business was a sole proprietorship. Obviously, since it was a sole proprietor account my social was used in its creation. This is what BMO seems to be hung up on, but it is irrelevant as it was a business checking account. the money market bonus simply has not been credited to my account even though BMO admits I have qualified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 Balance : {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XX/XX/2022
Product: Mortgage

I asaw money laundering going on in my name with Citizens Bank, I reported it & then saw activity going on in my name on XXXX computer screen & a HELOC I never used & took in myXXXX, I reported Citizens Bank, they came up with another amount of money I owed like in XXXX XXXX through XXXX I paid but hit hardasing phone calls saying I did not! I sent Citizens my bank statements, their statements & the checks cashed by Citizens proving I paid, but a few weeks later I got another letter saying I didnt pay after getting a letter saying sorry for the inconvenience! Citizens sent me a letter proving my point that my mortgage has been paid d sad ice XXXX ( because thats the year B I calculated & other legal agencies told me it has been paid. Once XXXX! I also Paid 4-6 times additional payments each year! A letter proving someone else has all my information was sent to me from the Office of the Chairman The individual put my entire social security # in the letter, said they look forward to doing further business with them & Im a XXXX XXXX  not in business as the letter refers & the signature is not mine!!! 
Cituzebs also has the date I purchased the home in XXXX & I have been living here as I bought on. XX/XX/XXXX! I got a HELOC I NEVER USED IN XXXX, Citizens writes XXXX & a mortgage loan in the amount of {$120000.00} also in XXXX which I didnt get & I was a victim of identity theft & as a result my credit score in XXXX Was a XXXX! Therefore all Their information is wrong & i keep getting letters saying they are escalating to the Office of the Chairman! 
I sent all proof to two ( 2 ) offices certified mail/return receipt requested & neither office received what I paid {$36.00}!? I also sent to t he r CEO, Executive Director & he coincidentally didnt get it at either addessss I sent evidence! 
I was to Told a para-legal, who is the only person I heard from is investigating for 6 years!? Every other bank in the country sees y if theft & fixes it except Citizens! I paid off my house in XXXX &, due to their illegal banking, I paid until XX/XX/XXXX! 
XXXXI put there were missed because according to what Citizens Bank writes, they say I Owe until XXXX & I oit my mortgage in XXXX & stopped Payments in XX/XX/XXXX overpaying approximately {$150000.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

A former friend of mine mislead me and used my private information to take out a loan at XXXX XXXX & open a credit card in my name at XXXX  in XX/XX/2023. I was not at XXXX  in person to authorize this yet it was still approved. They had access to my email along with other personal info. {$7000.00} at XXXX  & {$6000.00} at XXXX XXXX. I spoke with a supervisor at XXXX XXXX but they are not being helpful. I disputed on my credit report but both were denied. This has been causing me mental distress and I really need this resolved. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a collection notice from Monarch Recovery Management , Inc. on XX/XX/21, claiming debt owed on an old XXXX  checking account of mine in the amount of {$3900.00} and for a settlement amount of {$790.00}. Upon looking into this further by speaking with XXXX, I was informed that there was a lump sum transferred to this account that I have no knowledge of. I next made action to obtain the proper debt validation from Monarch Recovery by sending a Credit Validation letter by Registered Mail on XX/XX/21. I have signed receipt of mail on XX/XX/21, however, Monarch failed to return the validation information to me within the allotted 30 days. It should also be mentioned that upon looking into other consumer 's experience with Monarch, there are anecdotal reports of other consumers receiving fraudulent debt claims from Monarch.

Please let me know if I may provide any additional information. 

Thank you! 
XXXX XXXX
Product: Checking or savings account

XXXX bank was sold to Citizens bank and they never sent me a debit card that I could use, nor a checkbook and they disabled my online access. there is no brand within XXXX XXXX XXXX of me and every time I call they tell me they can't access me account online and that I have to go into a branch. this is not fair, they are charging me an account fee every month. I started with over XXXX dollars and not they have Brough the balance down to almost XXXX. they are stealing me money nd not giving me any option to close my account or move my money
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX
Product: Credit card

In XX/XX/year>, this account has been Charged off, a balance still show on my credit report that I owe this alleged debt. By law this debt balance should be XXXX because this account is charged off. The Bank charged off the account and never report it to IRS, it is Illegal to charge off an account and do not send me my XXXX. I would like to receive my XXXX Cancelation of debt, if the bank can not provide this Cancelation form XXXX within XXXX  days, the charged off need to be remove from my consumer report.
Product: Mortgage

XX/XX/XXXX, Loan # XXXX, Case # XXXX, CFPB Case # XXXX Property Adress : XXXX XXXX XXXX XXXX, XXXX. XXXX Dear XXXX XXXX, Thank you for responding to my concerns. According to the account information I received from attorney XXXX XXXX, dated XX/XX/XXXX, it states within the foreclosure document my note was in default XX/XX/XXXX and a notice was mail. Furthermore, in order for XXXX XXXX XXXX to mail me out such an notice of default I wouldve have to miss two monthly mortgage payments to be considered in default of the note. Please note my first date of delinquency should be XX/XX/XXXX. When four miss mortgage payments occurred is when any foreclosure proceedings can start on the property.
Product: Checking or savings account

We received a few XXXX payments from people who we hadnt received from before so theyve locked our account A WEEK BEFORE XXXX for fraud well the case was settled and closed wnd they closed our account we requested to be able to get our funds today because thats what we were told we could do by going to the branch and getting our good funds so that we can pay bills and get food for XXXX and theyve denied us that and sending a check that we wont get for another 10 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.
Product: Debt collection

I canceled my services with XXXX and paid the final balance of {$110.00} on XX/XX/23. That payment cleared my checking account on XX/XX/23. I received a letter dated XX/XX/23 from XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt from XXXX in the amount of {$110.00}. I chatted with XXXX to verify there were no problems with my final payment. They assured me my account showed a zero balance and had been paid in full. I then called XXXX XXXX XXXX XXXX and gave them the details of the payment that I made. I then filled out the dispute form attached to the letter and mailed it along with a printed copy of the chat that I conducted with XXXX verifying that my account was paid in full. I have now received a letter from EASTERN ACCOUNT SYSTEM OF CONNECTICUT INC stating they are attempting to collect a debt for XXXX XXXX XXXX in the amount of {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Incorrect Name - XXXX, XXXX, XXXX Incorrect Name - XXXX XXXX XXXX EMPLOYER - XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I filled an application to extend the limit on my credit card. It has to be noted that this is something employees at FirstTech XXXX campus suggested a few years ago. FirstTech considered me a more desirable customer then but now. On XX/XX/XXXX I received a denial notice from FirstTech without any specifics but " Incomplete Application ''. The application was complete and consisted in the form provided by FirstTech. This is the second time this year FirstTech is denying me a loan without clear explanation ( I applied for Mortgage which I ended up getting from another institution due to the reluctance of FirstTech making it too difficult ). I have been with FirstTech since 2012 and I have outstanding records with them ( as well as all financial institutions I am in business with ). I have maintained very good credit score over the years. Given my outstanding records I can not explain how FirstTech can legitimately and legally deny my application.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXccount Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Debt collection

1. XXXX XXXX working on behalf of XXXX XXXX XXXX XXXX I received a voicemail that stated that this company was looking for me. A complaint against me has been filed and paperwork is being sent to my local county clerk 's office. I called the number back to see what this was about and was informed that I took out a Payday loan in 2011 with XXXX and because I used a check- Charges were being filed against me for theft by check and deception of bank. I informed that I had no idea what they were talking about and that I do not remember taking out an online payday loan. They stated that they had all of my paper- they read off a lot of my personal information to me and said that they have all they need to get me arrested. I told them I have no idea what they are referring to and that I would need to see copies of the documents that they had on me before proceeding any further because I did not take out any loans. I also asked if I could have their physical address and the lender they are working with to verify the information they are saying. The lady called me a fraud at least 5x 's and said that I am trying to steal money and I would be going to jail soon for fraud. I told her - I had no idea what they were talking about and that until I get paperwork - There is nothing I can do. She said that they will file the paperwork by the end of the week and I will be picked up on my job. She hung up on me - I called back and was hung up on by multiple people. They have called my job and family members and said that I am in legal trouble.