23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My baby sister, XXXX XXXX XXXX, WAS KILLED ON XX/XX/XXXX. CITIBANK WHERE OUR ENTIRE FAMILY BANKED FOR THEIR BUSINESS, HOME MORTGAGE ... AND DAUGHTERS AD WELL. 
WE CONTACTED THEM, CITIBANK, XXXX XXXX XXXX, XXXX XXXX TX, XXXX FOR ACCOUNTS ENDING IN XXXX. 
LETTER DATED XXXX XXXX XXXX IS IN MY HAND FROM CITIBANK WITH INSTRUCTIONS WHICH HAVE BEEN DONE NUMEROUS TIMES, VIA FAX, VIA REGISTERED LETTER. BANK REQUESTED, TRANSLATED DEATH CERTIFICATE, LEGAL LETTER OF EXECUTORSHIP, ACCOUNT NO.. 

THE ONLY INFORMATION AVAILABLE IS THAT THE ACCOUNTS ARE CLOSED. WE CAN NEVER GET ANY INFORMATION OTHER THAN IT WAS RECEIVED BY XXXX. 
IT IS NEARLY END OF XXXX. THE MONEY WHICH IS XXXX. IS NEEDED FOR A LAWYER TO SUE XXXX WHO KILLED HER AT AGE XXXX. 
MY FAMILY AND ARE GRIEVING AND THIS HAS BEEN A SHOCK. HOW MANY TIMES MUST IT BE DONE ESPECIALLY WITH CONFIRMATION OF RECEIPT AND ONCE AGAIN CAANOT REACH THIS XXXX. 
IT IS A DISGRACE THAT IN DEATH THEY HAVE TO MAKE YOU SUFFER. WHEN THEY WERE CUSTOMERS AND NOW ARE IN ANOTHER COUNTRY, HAD TO PAY AND GO TO GREAT LENGTHS TO TRANSLATE BY ACCEPTABLE SOURCES THEY REQUEST. 
MY FAMILY IS ELDERLY, AND WE ARE ALL BARELY SURVIVING THIS TRAGEDY. 
FOR XXXX IT HAS BEEN NEARLY 8 MONTHS AND WE ARE NO CLOSER. 
THEIR SUPPORT SEVICES ARE IN XXXX ... THEY REALLY SHOULD BE FINED AND ABSORB THE COSTS. 
THEY ARE NOT IN NY AND IT IS CONSIDERABLY EXPENSIVE TO SEE A LAWYER, AMERICAN CONSULATE ... 
DISCHUSTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting or other personal consumer reports

Spoke with XXXX XXXX in regards to payment - payment is on autopayment however account glitched per rep and no payment was made. In the event spoke with representative payment and late payment was removed per XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Equifax reported to cfpb that they removed fraudulent XXXX  XXXX account from my credit report but it is still showing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of specific information from my credit report due to ongoing issues related to a data breach and identity theft. These matters have significantly impacted my life, and while I can not disclose all the details due to their private nature, I want to emphasize that I am a victim of identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681 ), I request that the following items be deleted from my credit report. I understand that XXXX, TransUnion and XXXX is required to take action within four days of this request. 

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Thank you for your prompt attention to this matter. I look forward to your confirmation of the deletions.
Product: Debt collection

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to XXXX XXXX XXXX XXXX XXXX ( collection attorney ). My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. XXXX XXXX XXXX XXXX NH Attachments Caller ID.jpg ( 154 KB ) What product or service is your complaint about? 

PRODUCT OR SERVICE Debt collection TYPE Credit card debt What type of problem are you having? 

Issue Attempts to collect debt not owed Have you already tried to fix this problem with the company? 
Yes What happened? 

I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to Stillman Law Office ( collection attorney ). My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. 

XXXX XXXX XXXX XXXX NH
Product: Credit reporting or other personal consumer reports

I have disputed with the bureaus several times that this account was paid I was promised it would be remove upon paying.
Product: Debt collection

I called Capital Accounts LLC on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. Also wrote them a letter on XX/XX/XXXX. I am trying to get an itemized bill from them for the service from XX/XX/XXXX ( which I was never billed for an medical expense ) They have not sent me the itemized bill and would not give me the address or phone number of the Company who the bill is thru. I called them on XX/XX/XXXX and they are no longer handling this debt and gave me another phone to call and I called this other phone number and no one has any record of me by SS #, DOB or name. I am trying to obtain the itemized bill to get my medical insurance company to pay the bill to a company that is no longer open and I am getting no where and this is on my credit report for {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX AM WRITING THIS ON MY OWN BEHALF WITHOUT THE ASSISTNACE OF ANYONE ELSE. In accordance with the Fair Credit reporting act 15 USC 1681 section 602A States that I have a right to privacy. The reporting of the account below are a violation of my prvacy. I have attached the documentation to reflect the incorrect reporting of the following accounts. The following accounts need to be removed right away due to being incorrectly reported and also as a violation of my privacy, I did not give XXXX, Transunion, or XXXX written permission to publish this information. Per 15 USC 1681 Section 604 a section 2 states and agency can not furnish an account without my written consent.. XXXX XXXX XXXX # XXXX this account does not belong to me please remove it. FILE ATTACHED ... .... XXXX XXXX XXXX XXXX # XXXX this account is not valid please remove or provided the means by which you verified this account, I want the names numbers and address of the person you spoke to in order to verify this account. FILE ATTACHED ... ... ... XXXXDEPT OF EDUCATION ACCT # XXXX in the amount of {$1100.00} This account has three different account status types across each agency. Transunion has the account listed as refinanced XXXX has the account listed as paid and XXXX has the account listed as derogatory. Payment status is listed as current with transunion XXXX has the account listed as a collection/chargeoff and equifax has this account listed as late 120 days. Update this account to current or remove the entire account for inaccurate reporting. FILE ATTACHED US DEPT of ED account # XXXX in the amount of {$1100.00} this account is reporting incorrectly on all three reports. The payment status last date active and date of last payment show three different date. Remove this account
Product: Checking or savings account

On XX/XX/2022, I received a letter in the mail addressed to me, saying that on XX/XX/2022, I had requested to decline the Overdraft Coverage for my account ending in XXXX for ATM and everyday debit card transactions. In this letter, it states to call the TRUIST bank at XXXX if I did not initiate this request. This letter was from the TRUIST Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. 

I proceeded to call them after the holiday on XX/XX/2022. I called their Account Security Department at XXXX and spoke with a female. The call was being recorded. She continued asking me for my social security number, and I said I will not be giving that to you. Then, she said the ONLY way to resolve this issue is to stop at a branch and speak to someone in person. I said, " I live in Illinois, and you do not have a branch here or anywhere close to me. '' She then proceeded to tell me that this is the ONLY way their company has set up for things like this. I had no choice but to end the phone call because I was getting nowhere with this lady on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BE LONG TO ME
Product: Credit card or prepaid card

I had a fraudulent charge on my credit card so I reported it. Chase cancelled my card and sent me a new one. Chase then determined I made the charge somehow. I never received the new card. Chase texted me saying a purchase was attempted at XXXX on my new card and they thought it might be fraud. I said it was because I never even received or activated the new card. Chase took one of the purchases from target off but left the other one on my account. I disputed it and they said after their investigation they determined I was liable for the charges. I disputed the charge again, telling them I never received the card or activated. They said the investigated again and determined I was liable. I now have a {$350.00} charge from XXXX that they are making me pay and a {$8.00} monthly charge from XXXX that I have no idea where it came from. I dont even use this credit card. It hadnt been used is XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a complaint against LoanDepot ( Complaint # XXXX ) regarding LoanDepot reporting a {$10000.00} increasing to the principle balance of my mortgage to all 3 Credit Bureau. On XX/XX/2020 Loan Depot responded to the complaint and misrepresented the facts ( i.e. Lied ) with the following statement : " LoanDepot reported to the credit bureaus the aggregate amount owed on the loan each month but did not report an increase in outstanding principal balance, delinquent payments, nor any negative account information. '' I have attached reports from all 3 Credit Bureaus which reflects the afore mentioned principle balance increase ( See attached ) this increase caused my credit score to drop significantly resulting in my attempts to refinance to be denied but multiple banks. 

This complaint is about the willful misrepresentation of the facts by LoanDepot to your agency which resulted in my original complaint file ( Complaint # XXXX ) being " Closed '' on or about XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Transunion and XXXX credit reporting agencies, 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. These fraudulent accounts consist of XXXX personal credit card accounts opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open another online bank account and this bank checked my history with early warning with XXXX XXXX, XXXX XXXX  is showing my Account as Overdrawn and pending closed which is not true. I need XXXX XXXX  to correct this. I have no idea why XXXX XXXX  is showing this when I always had good terms with them, this is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

delete the following inaccurate, contradictory information in my file. am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


The items Listed are against your guidelines and break multiple laws under the Fcra like section ( A ) 609 I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX  XXXX Balance : {$570.00}, XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Someone took out a fraudulent student loan in my name with XXXX XXXX University through Navient and both XXXX XXXX University and Navient have refused to help me, even though I submitted police report and fraud affidavit.
Product: Credit reporting or other personal consumer reports

I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued. 

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatrory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous disputes and Method of Verification requests and XXXX  Credit Reporting will not comply. I do not believe they are even investigating and just using the E-Oscar database. I have plainly asked for their method of verification of how they are verifying the completeness and accuracy of what they are reporting. They keep responding back ( They verified that the items belong to me ). I have enclosed some of my past dispute letters and method of verification requests and I still can not get them to comply. 
The alleged debts are being reported by the notorious Portfolio Recovery Associates. 
Their reporting has been detrimental to my credit scores and has caused me great financial and mental distress. 
What can I do to make them at least do their job as required by the FCRA and comply with my requests or delete the items I disputed.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting with XXXX XXXX XXXX XXXX I sent in a request to Experian & XXXX   to investigate the data reporting because I saw some inconsistencies between them. They both claim to have done a proper investigation yet it isn't possible to have two different last active dates on the same account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account XXXX XXXX XXXX XXXX, NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the middle of XXXX through presently XXXX I have consistently been in contact with Equifax Consumer Reporting Agency regarding Fraudulent Accounts that were established without my knowledge or consent that are currently listed on my credit report. I have sent several disputes ( tracking # XXXX ) being one of many that was received on XXXX at XXXX am. Despite my continuous efforts, Equifax has not provided 100 % accurate verification as per the Fair Credit Reporting Act and has failed to block the Fraudulent disputed accounts within 4 business days per section 605b of the Fair Credit Reporting Act. The accounts in question that remain are 1. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Equifax has failed to provide any original documentation or correspondence obligated me to these accounts but yet continue to report these items on my credit report. This is a clear violation of my consumer rights under the Fair Credit Reporting Act. It has been almost 1 year since my initial dispute and XXXX continues to fail to comply.
Product: Debt collection

I got a letter in mail from Unifin on XX/XX/scrub>XXXX  via XXXX stating original creditor is XXXX, and XXXX is now the creditor ( dont know who they are never got anything from them XXXX XXXX but Unifin XXXX notice of debt via XXXX and I disputed it via email on XX/XX/scrub>XXXX  ( copies of debt notice and email are included ) XXXX was notified via electronic dispute on or about XX/XX/scrub>XXXX about XXXX XXXX this to my credit without me being notified, yet they resolved the issue as verified. Not sure what kind of investigation was done when nothing was requested from me, I have no clue who XXXX XXXX is and never received anything from them in regards to this debt Unifin has sent me Notice of.