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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} XXXX : XXXX XXXX Balance : {$3200.00} TRANSUNION : XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

PNC Bank performed an external transfer of funds from my XXXX XXXX account to a PNC account that had been closed for over two weeks. The banker that closed my account should have made sure that any transfers were cancelled before closing the account, since I obviously wouldn't want the account receiving money weeks after it was closed. 

I made an appointment for a banker to call me and they never called.
Product: Checking or savings account

COMPLAINT - Is this a case of Banking While XXXX? 
Complaint against Navy Federal Credit Union ( NFCU ) XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, registered in the state of Georgia. 
Account Number : XXXX Cell : XXXX Email : XXXX Synopsis : Racially profiled, discriminated against and made to feel like my life was threatened by the actions of the police/security XXXX, during the incident that occurred on Thursday XX/XX/2023, at a NFCU branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I had gone there to write and issue checks to my drivers.
Product: Credit reporting or other personal consumer reports

I am writing to address multiple unresolved issues with the information on my credit report in PROCOLLECT , INC, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My date of birth is XX/XX/1997. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), PROCOLLECT , INC is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, PROCOLLECT , INC is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect PROCOLLECT , INC to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Debt collection

I had a credit card open with Navy Federal from XXXX XXXXntil XXXX. I didnt miss a payment until XXXX. I lost my job broke my leg was in the hospital simply having financial hardship. When contacting Navy Federal, they told me that I wasnt having enough problems to be placed on any assistance I was told to put a certain amount on it by a certain date and before the date came they closed the card so basically I just didnt pay on my credit card and it went into collections and arrangements were made for me to start paying on it once I had got some money I put money in my savings to pay for brothers urn ( 2000 $ ) Navy Federal then went into my savings account and took the money and paid off the credit card and said that it was in my contract that they can do so but to my understanding it was charged off and I had an agreement in an arrangement that I would start paying that following month so to steal my money that was for a XXXX and XXXX XXXX for credit card that wasnt affecting them or myself because it was no longer on my credit they then refused to give it back saying that once something is paid in full, they cant refund but my money shouldve never got taken out my bank account without telling me acknowledging especially when an arrangement was made. They said the person I made the arrangement with didnt call the Right department which is Navy Federals problem that they dont train their people correctly at the end of the day I was faced with more financial hardship. After this having to find XXXX  money due to them stealing my money I wouldve never put money on that card if I knew it was gon na be stolen by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed with " Experian and XXXX XXXX XXXX XXXX XXXX '', a letter requesting its validation with a 30 days compliance reply requested by mail and send via certify letter on XXXX/XXXX/XXXX with No answer I further remind that, as in XXXX XXXX XXXX Experian Corp., No. XXXX ( XXXX XXXX XXXX, XXXX ), may be liable for your willful non-compliance. XXXX XXXX Bank Acct # XXXX 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Experian still have this account in my credit report after failing to comply with a 30 notice to comply with the law.Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX Child Support has been illegally and Inaccurately reporting on my credit file for over XXXX years. They have been misrepresenting the amount they are reporting and the they Keep constinously changing the open date and the status of the account.. This has gone on for way too long and it has to stop NOW. 

1. How is the open date now reporting as XXXX, but you have reports of amounts from way back in XXXX which it goes even back to XXXX They miss represent to account as reporting as charge off every 6 months but I reporting NO payment history I am now Disputing the completeness and Accuracy of this total account from when it was first opened and current status
Product: Credit reporting or other personal consumer reports

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be XXXX high balance and same date on this account. This account has not been properly verified. 
PLEASE DELETE the following account immediately for failing to comply with FCRA. 

XXXX XXXX XXXX THANK YOU FOR YOU TIME
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Midstate collections several times that these accounts do not belong to me, I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent account. 
These accounts were reportedly opened online with someone using my ID and ss card which were both stolen and reported to the authorities years ago. 
Documents submitted to XXXXXXXX XXXXk : affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and Midstate collections continue to report these fraudulent accounts on my credit report although I have provided these documents with no response from the companies or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Checking or savings account

On XX/XX/22 I filed two disputes totaling around {$80.00} for unauthorized transactions. Both of these were denied. I also filed a dispute with the credit card totaling {$22.00}. That was denied. I work hard for my money and I dont appreciate being treated as a criminal. On XX/XX/22 I filed several disputes totaling {$630.00}. I also realized later that the account was restricted. I want my money back that the thief stole from my account now. Thats all. After you give my money back Ill pay the credit card off and close both accounts. Im DONE.
Product: Credit card

Citibank closed my ExxonMobil account without giving me notice of such or the required Regulation B statement of credit denial. Why do the biggest banks get to bypass CFPB Regulations?
Product: Debt collection

I filed a complaint by filing a FTC report. The negative account still showing on my credit report by Enhanced Recovery.
Product: Money transfer, virtual currency, or money service

I 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 proce 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 XXXX XXXXXXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Clarity Services . Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services Inc., a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting. 






Re-investigate and Remove this item from my credit reports ASAP
Product: Debt collection

In early XX/XX/2019 I noticed an entry from The XXXX XXXX on my credit report. I sent a certified letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX and that letter was received on XX/XX/XXXX. In the letter I stated there was an entry for {$620.00} on my credit report and just to simply get this off my report that I would pay {$310.00} which was half of the debt that was mentioned on my credit report. In the letter I also stated that cashing the check the company would be agreeing to completely remove this off of my credit report with all 3 bureaus and not report this as a paid collection or settled account. The check was cashed by a Continental Finance and when I check my report the entry was completely removed. I was alerted on XX/XX/XXXX that a company by Continental Finance has placed a charge off on my account for {$310.00} which appears to be the other half of the debt that was reported on my credit report. This seems to be a sister company to XXXX XXXX XXXX. So essentially, my money was taken and XXXX XXXX XXXX agreed to the terms of deleting this from my credit report and did indeed removed but turned back around and fraudulently had a sister company list this on my credit report. If there was an issue agreeing to the terms then the check should have never been cashed and a verification letter should have been sent to me and it was not. I have never had any dealing with Continental Finance so I'm not sure why they even have this account and further they are also operating as XXXX XXXX XXXX XXXX, so there appears to be 3 companies operating as one for this purpose. Since the company cashed the check they have agreed to have this completed removed from my credit report so it should not be there and I have kept all documentation. This company should be investigated to see how many consumers they are doing this to. In addition, they should be looked into to ensure that they are abiding by the SCRA ( Servicemembers Relief Act ) laws for XXXX XXXX members of 6 % percentage rate, I don't believe this company is following the law in regard to that and I'm curious how many other XXXX XXXX members are affected by that as a whole.
Product: Money transfer, virtual currency, or money service

I tried again to transfer my money from PNC Bank to my main bank which is XXXX XXXX XXXX XXXX ( XXXX ) and the money was again returned to PNC bank after settling into my account with XXXX. I contacted them again and talked to XXXX XXXX and she offered very little help regarding resolving the issue. With this recall XXXX of my accounts is in a - {$7900.00} and I am now responsible for repayment in 30 days. I sent XXXX a statement from XXXX 2023 from XXXX that showed the money came from my account, but since she could not tell me anything regarding the proof she has or their " research department '' found to say the funds I transferred in are fraudulent, she wouldn't give me other proofs that the money I deposited into that account were legit. One other detail is that No sooner after creating the account with PNC and before I even transferred money in the PNC account, it was frozen or being looked at. This was back in XXXX 2023. I had to get my account unfrozen in order to transfer money into the PNC account. This has gone on long enough!
Product: Credit card or prepaid card

On XX/XX/XXXX, a purchased an item on XXXX for {$900.00}. I then contacted the seller and cancelled the order. I saw on my credit card that the {$900.00} were still charged regardless of the cancellation, so I started a dispute case with my credit card. The item was purchased on XXXX using paypal linked to a XXXX XXXX credit card ending in XXXX. The paypal transaction ID # XXXX was confirmed by paypal and XXXX   to be cancelled. Yet, Paypal stayed with my money and has not issued a refund, therefore, my XXXX XXXX card also billed me for it. All three companies say there's a hierarchy and XXXX  and paypal can't interfere since I have a dispute case open with my credit card. Per my credit card, they closed the case unfavorable. It's the second time I have to lose money after purchasing an item on XXXX  using paypal even though I have enough evidence that the item has been cancelled. I have contacted with the seller and she also experienced a lot of problems with both even though she submitted proof of cancellation and sent it to me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX Did not show me proof
Product: Credit reporting or other personal consumer reports

As of today XXXX, XXXX and Equifax continue to provide false information regarding the XXXX XXXX amount on my credit report. None of it makes sense they show that I am current making payments?? However, if I was currently making payments why isn't the loan amount going down? In addition, XXXX says account is closed, XXXX and Equifax says account is open. XXXX and Equifax paid on time. Equifax showing staying on report until XXXX when 7 years is XXXX. I have reported this to the Federal Trade commission as an act of fraud and gave them the report number. When I call none of these creditors listen to what I have to say and just say oh the information has been verified. Just because a creditor tells you something it doesn't make it true. XXXX XXXX is purposely providing the XXXX credit bureaus with false information to ruin and destroy my lively hood. I have bee fighting this for 5 years and not one of the credit bureaus listens to me or care to hear what I am saying. THIS IS FRAUDLENT REPORTING AND ALL OF THEM NEED TO BE HELD ACCOUNTABLE. I ALSO STATED I WANTED THIS TO REPORTED AS FRAUD ON MY CREDIT REPORT AND ALL 3 CREDIT BUREAUS REFUSED TO NOTE THIS ACCOUNT AS FRAUD. i HAVE BEEN FRAUDED ONCE BEFORE IN XXXX. ALL THESE CREDIT BUREAUS NEED TO TAKE THIS OFF IT IS FRAUDELENT WHAT PART OF ENGLISH DON'T THEY UNDERSTAND!!!!!!!!!!
Product: Credit card or prepaid card

Me and my wife have recently been going through the process of tackling our debt and consolidating our balances. Early in XXXX we made the tough decision of closing ( 2 ) of my CapitalOne accounts. One of the cards I had for nearly 7 years. Over the past couple weeks we have consulted with several people and they have advised us that it would be wise to reopen those accounts. We will soon be going through the home buying process and I feel that this might adversely affect our chances of buying our dream home. 

It seems unreasonable that CapitalOne is one of the only companies that will not allow you to reopen your account no matter what the circumstances. I have already called them today ( XX/XX/19 ) and they just told me " No '' they won't reopen then for me. 

I feel that I am left with no other choice but to file a formal complaint. I hope that you are able to help us. Thanks!
Product: Debt collection

DEBT IS FOR A CHARGE THAT WAS GENERATED BY XXXX XXXX OF XXXX HOSPITAL. I HAVE TALKED WITH THE HOSPITAL 'S BILLING OFFICE SEVERAL TIMES ABOUT THIS CHARGE AND INSTRUCTED THAT UNDER NO CIRCUMSTANCE WILL I PAY FOR SOMETHING THAT WAS REPORTED TO XXXX FOR SOMETHING I NEVER RECEIVED. I TOLD THE HOSPITAL THAT THEY ARE GUILTY OF XXXX FRAUD. I WILL NEVER PAY FOR SOMETHING THAT I DID NOT RECEIVE. I REPORTED THE HOSPITAL TO XXXX FOR THEIR FRAUDULENT BILLING PRACTICES.
Product: Student loan

I completed 5 years of full time XXXX in a XXXX XXXX  ( low income XXXX ) in the area of XXXX XXXX, which qualifies me for XXXX  loan forgiveness under the XXXX Loan Forgiveness Program. 

I applied for it, with my XXXX XXXX XXXX assistance ( superintendent of HR filed the paperwork to certify my 5 years ) in XX/XX/XXXX. I received a letter from the XXXX   Loan Forgiveness Program approximately one month later telling me I was denied. There was no reason given. Upon further investigation, it was because I consolidated my loans from XXXX in with loans taken out after XXXX through XXXX. Because the program began in XXXX, I'm automatically left out, even though I have plenty of loans taken out after XXXX. Essentially, because I made the wise decision to consolidate and pay a lower interest rate overall for my loans, I'm being penalized. 

Please help me! I made the commitment and I need help with getting the federal government to follow through on honoring their program.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby assert my rights as a private individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent.

As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, XXXX, and Experian, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report has led me to file an identity theft report.

I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX  XXXX XXXX Balance Owed : {$4000.00}