23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my Credit report. The items I need are listed in my report. I am a victim of identity theft. I ask that the items be deleted to correct my Credit report. 
I reported the theft on my identity to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible. 

Company Reporting Fraud Information : XXXX Fraud Account Name : XXXX XXXX XXXX XXXX Phone Number : XXXX Account : XXXX Balance : {$110.00} Open : XXXX Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When i went to get a car they pulled up my credit report and i said all these fraudulent accounts and all these inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For at least three years now I have been trying to get credit files to reflect that I have a mortgage. When I divorced in XX/XX/XXXX it was agreed by ex husband and myself and done legally that the house was mine. I cleared the title to reflect that and further due to domestic violence it was so ordered he could never come into the house. He left Minnesota and remarried. On XX/XX/XXXX he passed away. Still the US Bank wouldnt take his name off mortgage. But that isnt the whole problem- the credit files have the wrong account number and I can no longer dispute this with them. It stands as paid off and closed. I even sent XXXX an original bill. But they refuse to change it. Us Bank stated the account number is in error. Now I would like to repair my house but this along with other in accurate information in files has stopped me. A big chunk of my retirement money goes to the mortgage and I need it corrected. I also want to note here that I have identity theft and that I have not filed bankruptcy- which is one of the numerous reasons that US Bank has given as to why they do not report to credit bureaus and as I stated my ex husband has passed away. He had filed bankruptcy. Also my identity theft is linked to this as I have a stalker/cyber and I know who it is. There are many more issues with credit bureaus ( double accounts, accounts open and closed at the same time ) but if I can get your help on this issue I can move to the next problem
Product: Checking or savings account

Account balance is inconsistent pending transactions show wrong balance causing issues with overdraft protection
Product: Debt collection

This co garnished my wages for {$140.00} without any prior notice to validate it or contest it, when I called to find out what the garnishment was for, no one had any information on the garnishment to validate their claim against me I was transferred XXXX times to different agents with no knowledge of my garnishment that took place on XX/XX/2024, they did verbally confirm that the only account they had on me was an old XXXX credit card that had no balance owed on, absolutely no documentation to support this garnishment, I feel I have been defrauded and this co cant give me any validation on this garnishment I want my money back and this debt put on notice
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app it parenthesis black ink 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XXXX  Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report related to the following accounts : XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXXXXXX Collection Account, and XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX. 

Firstly, I dispute the accuracy of the address associated with the XXXX XXXX collection accounts. The address listed, XXXX XXXX XXXX XXXX, NY XXXX, is not correct and has not been associated with me at any point in time. I request that this address be removed from my credit report. 

Additionally, I am currently enrolled in a XXXX XXXX bankruptcy plan and have been making regular payments as agreed. However, the bankruptcy accounts listed on my credit report show an inaccurate and inconsistent balance. I request that these balances be corrected to accurately reflect my current payment status. 

I have enclosed supporting documents that show my current payment status and address history, and I request that you investigate these inaccuracies and correct any errors on my credit report as soon as possible. 

Please inform me in writing of any action taken as a result of this dispute, and provide me with a corrected copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX deposited a severance payment from my previous company for {$9100.00}. The bank put a hold on just that check which was deposited XXXX XXXX around XXXX cst and sent an email. Not a problem. I was still able to access the rest of my funds and transfer money into the account. XX/XX/XXXX I tried to make a transaction but the card declined. I tried again and it declined another store and said no reason. I called the bank. The agent told me my account was closed but didn't have the details. I told her to find someone to answer why I can't access my funds. Another person gets on and asks me who told me my account was closed. I tell the agent that another agent by the name of XXXX. This agent then transfers me to another person who tells me that my account is under investigation for fraud. The check they're claiming to be fraud is a legit check and came from my lawyers due to a lawsuit. I was never contacted about my entire account being frozen or closed and then was told I can't ask anymore questions until the XXXX cause they haven't even began investigating. 9 days I can't touch my own paycheck not counting the {$9100.00}. My bills are not being paid and it's their fault. I could easily provide the check and the taxes taken out to prove the deposit was legit. I'm stuck not being able to support myself because of this ignorant decision they made with my money
Product: Debt collection

Multi calls from company discussing the issue. Have also spoke about how many things where wrong
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft anXXXX XXXX XXXX 
I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Equifax comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX 
XXXX fraudulent account 's ( XXXX XXXX  XXXX ) opening date is XX/XX/XXXX ( When I had not even stepped foot in the United States, had no Identity, and no Social Security Number ). I arrived in the United States as a XXXX in XX/XX/XXXX. It was physically and scientifically impossible for me to open that account. You can see that my Social Security Number was issued after the opening date of this fraudulent XXXX XXXX XXXXXXXX account. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was XXXX and XXXX out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX XXXX XXXX in my lifetime, they are both from XXXX XXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the XXXX fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, first issued Social Security number demonstrating that the fraudulent XXXX XXXXXXXX XXXX account was opened before even I arrived in the country and had a Social Security number. Also attached is my XXXX XXXX by the Department of Homeland Security XXXX years ago proving that I was an Asylee/Refugee and victim of trafficking. 
Please have Equifax comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Equifax. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OAC has been inaccurately reporting a paid off service on my credit report, and furnishing this information to credit bureaus since XXXX of 2019. I informed OAC that this information was incorrect, and asked them to verify with XXXX XXXX XXXX, the original creditor, that the information that they were reporting was accurate. The original service was paid by IDPH through XXXX insurance at the time of service. Attached is proof of coverage that was also sent to OAC. This information can, and should be verified by OAC as they have a legal obligation to do so in order to validate the debt. 

As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Experian via certified mail on XX/XX/XXXX asking them to investigate, verify the late payment charge from XXXX XXXX XXXX XXXX. I It has been beyond 30 days. This late payment information needs to be deleted from my record. 

I contacted XXXX XXXX  directly and they too have no proof of late payment. Experian is fraudulently maintaining this record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reviewing my consumer credit file and noticed a fraudulent unverified account on there by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reporting this fraudulent information is extortion. I demand you verify the credit transaction that was made with me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to furnish this information on my credit file. Failure to verify that a Credit transaction was made between me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX shall constitute fraud , extortion, blackmail to embezzle labor out of me the consumer which violates 42 U.S.C 1994. And constitute a violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. Furthermore I believe you have 4 business days after receipt of this Notice to remove this fraudulent account from my consumer report, and cease and desist all communication through any mediums including credit reporting agencies after receipt of this notice as required by federal Law.
Product: Prepaid card

I am the son of  XXXX   XXXX . I opened a net spend account some time ago. I also opened an account with my mothers permission  XXXX   XXXX . As I take care of all her financial issues. I am the sole provider for her.   On  XXXX   XXXX  , 2017 my  sister  XXXX   XXXX  came to  XXXX   XXXX  and took my mother to  XXXX   XXXX  California.   Several days later after my mother left with my sister I received a text message stating that her card  was stolen/lost. Fi rst my mother is illiterate and can not spell and or explain herself as she had a   XXXX    XXXX .   then several days after this I received another text saying that you have been unsubscribed from our system. My mother does not know how to use a computer. This is my sister pretending to be  XXXX   XXXX . Thi s is Fraud.    Then days later I received another text saying that my account had been block for fraud.    XXXX   XXXX  sister  XXXX   XXXX  had called net spend pretending to be  XXXX   XXXX  and said that money was transferred from her account into my account. Yes it was with my mothers Permission. My sister  XXXX   XXXX  is into elder abuse and trying to get my mothers money.   I have on numerous occasion called net spend and spoke to several people about this matter and someone was suppose to call me back and no one has. My account has been blocked and I have not been able to pay my bills, My sons tuition was due last week in the amount of  XXXX  AND I CAN NOT PAY IT AS YOU HAVE MY ACCOUNT BLOCKED. No ONE HAS CALLED ME BACK and they said two days it has been a week and no one has called me. Every rime I call netspend they keep me on hold saying they are going to call me back i n two days. NO ONE  ahs.
Product: Checking or savings account

I got an alert at XXXX XXXX at night eastern time that I made an XXXX payment in XXXX XXXX ca from my chime debt card. XXXX I was at home in North Carolina, XXXX I dont have XXXX. I reported my card stolen and requested a new card since I could not dispute the claim until it was not pending. The next day, it was no longer pending so I contacted chime to dispute the claim, they asked for a receipt of the XXXX ride, which was not taken by me or an account owned by me so I did not hold such receipt. A claim was filed, at XXXX today not even XXXX hours later I was email my dispute found no foul play and my funds would not be returned. I called chime they said I could request the documents they used to deny my dispute but it would take 10 business days to get the documents to me when it took them less than 24 hours to deny it. That since I did not have proof I was in XXXX nc, even though I swiped my card physically at XXXXXXXX XXXX in XXXX. I was told to email with a written statement claiming my location at the time of the transaction and they would consider reopening my dispute. I was accused of giving out my card number and writing down my PIN number and talked to like a toddler.
Product: Credit reporting or other personal consumer reports

asked all XXXX bureaus to investigate accounts on my credit report involving XXXX XXXX, investigation came back as verified but was not given a sign contract with my wet signature, was not given information on who was spoken at the company, dates when tje dpoje to them, to verify i owe debt. I was also not given prior statements showing payments nade onto account. When i contacted lvnv funding i was rold they do not have any contracts signed by me so how was information verified by credit bureaus
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I am an American citizen. I have a XXXX XXXX were I store some cryptocurrencies. I Transferred XXXX XXXX XXXX ( currently worth about {$180.00} ) from my XXXX XXXX to my Coinbase account on XX/XX/XXXX and the transaction was shown as complete when I tracked it online. I also got a confirmation through my XXXX XXXX. 
Before the transfer, Coinbase cautioned me to only transfer XXXX XXXX to that cryptocurrency address and that is exactly what I did. 
However the XXXX XXXX hasn't been deposited into my account and Coinbase doesn't want to take responsibility for it, even though it is obvious I transferred it to my Coinbase account.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account KOHLS/CAPONE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting that I owe XXXX to XXXX. I disputed the debt. XXXX  XXXX could not verify the debt. XXXX XXXX has stated to me that the accounts should be removed from my credit reports. The accounts have not been removed.
Product: Debt collection

Keep getting calls from National Prinicpal Group regarding a bill I supposedly owe. They 've also harassed my parents and my ex in-laws!? Finally spoke with someone and told them I never had a contract ( or heard of the company they said I was in violation of ) with or had an account at the bank they said I drew the loan on ( again, never even heard of the bank ). Told the woman calling to send it validation of the debt because I was debating it. Said she was sending time sensitive information that I needed to respond to, but did n't. Instead, 6 days later, I get a demand for payment, but still no debt validation. I do n't owe this debt and they keep harassing me and everyone I know but using different phone numbers. You block one and the spawn another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. XXXX XXXX  sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused XXXX XXXX  to get me a rental. I been dealing with a lot with this company. I just want the remarks removed
Product: Checking or savings account

I have been having fraud charges with my acct. The bank was disputing them and they sent me an email stating my personal information was found on the dark web as well as my information being compromised in a data breach. 
While the bank was disputing these charges they first froze my acct and gave me no Information when I contacted them by phone and going into one of the branch offices. They said they could not give me any information and my acct would be closed due to fraud abuse and they could not provide me with any other information. At that time I requested to withdraw my funds from the acct and the bank rep told me I could not get my money of over XXXX dollars and they would send me a cashier check in 5-7 business days. This is money I live off and this now is causing difficulties providing for my family and paying my bills. I did not open this acct with a cashiers check and I don't expect my money to come in a cashiers check. Considering I have been with Chase Bank over 10yrs and this kind of customer service is unacceptable I think/know. Especially when I can't get into my account or not knowing what Chase Bank is doing with my money and if they will send my full amount back to me.
Product: Bank account or service

hello i have filed a complain about wells fargo with cfpb complain # XXXX and explained that even though a let them know that reason i was canceling my debt card with them was that XXXX rent a car was attempting to charge my card something i dont owe and canceled the card befor they actuly charged and still wells fargo paid those fradulant chargesthey did not do anything and know this company continues to charge my card as of XX/XX/XXXX XXXXwith no reason please help me my account is about to be close because of wells fargo to acknowledge there mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have failed to remove fraudulent accounts from my consumer reports.