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 items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$370.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$770.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Money transfer, virtual currency, or money service

Ive already filled a complaint with yall regarding how cash app done me and I did varify to them over the phone that I am who the account belongs to like thay requested and thay still closed my account for desputing were my money went and under the law thay have to investigate that thay cant close my account like that because I filed a complaint wonting to know were my money went and why when I didnt approve it to go anywhere by law there in violation as a financial institution of any kind of I ask or have a issue with my money that I trust them to hold by law any and all transactions I have that I wont answers on thay have to provide thay cant just close my account when I did everything pertaining to this within the law and I wont cash put out of business for not following the law set forth by the us government
Product: Mortgage

I bought a condo via a FHA loan with a bad rate over a year ago using Wells Fargo. WF sent an ad showing more favorable rates recently. I called to confirm that I was eligible for the refi and to see what it would cost. After running my credit and taking my latest info, I was told I would receive a cheaper rate ( 5 % down to 3.something - not the advertised rate but still better ) if the appraisal came through and the appraisal fee would be the only cost. The appraisal did come through ( XXXX ) and I was told I was approved and just awaiting underwriting. A week later, they called me and told me I needed to pay an extra XXXX to close the loan. I said I didn't have XXXX, so they rejected the loan. Further, today I received my annual statement and they are increasing my monthly payment, even though its a 30 year fixed. All this, despite lower natl mortgage rates, a better credit score, an appreciated asset with more equity in it. Wells Fargo is misleading, deceitful and using unfair practices.
Product: Debt collection

My XXXX XXXX XXXX XXXX and was treated at XXXX XXXX XXXX Nv in XX/XX/2023. 

We paid all bills and we also received a rebate from the hospital. 

We also paid for the xrays separately as we got direct bills from the XXXX XXXX diagnostic company which we asked XXXX and they told us to pay the x XXXX diagnostic company directly. 

Later XXXX secretly added already paid XXXX XXXX services to my sons bills. We spotted this clerical error and XXXX told us it was a clerical error and apologized. 

About a year later we got a letter from XXXX debt collection that we owe XXXX XXXX {$700.00} debt. 

We have contacted XXXX but keep getting a run around. 

This is not fair as it amounts to institutional fraud against tax paying and law abiding citizens. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. 
This is not making any sense. 

Account : XXXX XXXX XXXX Date Open : XX/XX/2022 According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Vehicle loan or lease

On XX/XX/XXXX a payment of {$2000.00} was paid toward the {$1400.00} payment that was due as it has been month after month. This extra payment always has access that is placed toward principal. The bank put {$1600.00} of the payment I made toward interest. I called and asked this to be corrected and it still to this day hasnt been fixed. Ive asked for all future excess payments to be placed towards principal and they have stated they cant do that while taking a payment through their app or over the phone. The practices here are shady and unacceptable.
Product: Credit reporting or other personal consumer reports

I am reaching out in concerns on a matter with a loan that I did not go through with. In 2007 I went to see about going to XXXX XXXXXXXX XXXX XXXX. The financial aid company wanting me to repay a loan I never used is XXXX. I filled out paperwork but never attended. I have been stuck with a student loan that has affected my credit score and have been harassed by debt collectors such as XXXX. Before it was XXXX it was XXXX XXXX. This school has been previously closed down almost 10 years ago due to fraudulent activities dealing with there student loans
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, Transunion has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

PRA purchased a debt from XXXX XXXX that should not have been eligible for recovery. XXXX failed to honor and provide account protection was on the account. XXXX needs to by back the debt and both companies need to immediately correct the information on my credit report. The debt was not and is not eligible for sale. XXXX has sent written communication regarding correcting the account and is in the process of doing so. PRA has never had any rights to the debt which also includes an extensive amount of interest and late fees that were added incorrectly. This has been a complete mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

All  XXXX  credit bureaus are susceptible to allowing  XXXX   XXXX  to show incorrect information. I 've tried to tell the credit reporting companies and  XXXX    XXXX   a  million  times, that  XXXX   XXXX  debt was SETTLED less than full for a  XXXX  BALANCE. Yet it still s hows a BALANCE OWED etc.,  which is not accurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 there was a transfer done from my XXXX XXXX XXXX mobile app, which actually uses Zelle to send the money. The money was not authorized to be transferred as it was done without my consent, however, with it being one of my recipients I thought I could simply ask for my money back. The recipient did not receive the money either. When I contacted XXXX XXXX XXXX XX/XX/19 they basically told me they were not responsible for Zelle and they could not do anything to help me. I proceeded to tell them I did not authorize the transfer and they allowed me to file a claim, but I received three separate letters stating that my claim was denied because it was done from a device that is consistent with previous valid account activity. The letters were dated, XX/XX/2019, XX/XX/2019 and XX/XX/2019. The letter dated XX/XX/2019 stated they were doing further research and it would take 45 calendar days to complete the research. The time has passed and I still have not heard back. I still don't know who received the {$2500.00} that was transferred from my business checking account on XX/XX/19. The only thing XXXX XXXX XXXX could tell me was that the money was sent through Zelle to a XXXX XXXX Bank account. I was not given any other information. On XX/XX/19 I tried to requesting {$2500.00} from the phone number that was used to send the money to originally and oddly, I received a notification stating that the phone number was not registered with Zelle. After researching online I found that Zelle should not have been able to take money out of my account if the recipient did not set up account with them. As of today, I still don't have my money and I don't know who does. Zelle refuses to get back to me and even the branch manager at my local XXXX XXXX XXXX is frustrated with me and no longer can help me she says. I don't know what else to do, but I need my money back. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open balance XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer meets FCRA requirements Original creditor name XXXX XXXX I have this open medical bill that does not suppose to be on my credit. According to the rules and regulations. In XXXX, the XXXX XXXX XXXX XXXX announced the National Consumer Assistance Plan ( NCAP ) as part of a settlement with numerous State Attorneys General, which included provisions for the reporting of medical debt.1 As part of the NCAP , the companies committed to no longer reporting medical collections that were less than 180 days past due and removing medical collections that have been paid by insurance. Both of these provisions were intended to prevent consumers credit from being penalized for debts that were not the consumers responsibility to pay. 

On XX/XX/XXXX, the national credit reporting companies voluntarily announced that they would no longer report certain additional medical collections ( Medical Collections Reporting Change ). Specifically, the companies announced that starting on XX/XX/XXXX, the time before unpaid medical collections can appear on a consumers report will be increased from 180 days to one year, and paid medical collections will no longer appear on consumer reports at all. They also announced that beginning sometime in XXXX, medical collections with balances below a threshold of at least {$500.00} will no longer appear on consumer credit reports.2 These changes have the potential to reduce the amount of medical debt reported on consumer credit reports and to benefit some consumers. 

This report explores the characteristics of consumers with reported medical collections and focuses on the current state of medical collections that appear on consumer credit reports and medical collections that are likely to be removed from consumer credit reports in the next year. We use the Consumer Financial Protection Bureaus ( CFPBs ) Consumer Credit Panel ( CCP ) to analyze collections tradelines first reported to a national credit reporting company after XX/XX/XXXX with medical listed as the original creditor XXXX We observe consumers credit scores, census tracts of residence, and other credit information in the quarter before the first reporting of the medical collection. 

I'm requesting that this debt be removed from XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from XXXX XXXX, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything. 

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XXXX until now I tried dispute especially with the data breach from XXXX, XXXX said they verified them and they re factual. I tried to dispute my name it has XXXX next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And this account was paid by the XXXX XXXX program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I put a fraud Alert on my credit report with Transunion and XXXX. The fraud account have not been removed from credit report. I have submitted the Federal Trade Commission Identify Theft Report XXXX - Police Report number XXXX, Officer XXXX, Badge # XXXX. I have reached out to XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX and XXXX Bank by mail and phone with no success removing the fraudulent accounts off my credit report. I have reached out to XXXX and Transunion by mail and phone with no success removing the fraudulent accounts off my credit report. 

Thanks you
Product: Money transfer, virtual currency, or money service

ABSULTLY NOTHING -- -- -THEY USUALLY HANG UP OR PUT ME ON HOLD FOR A HOUR OR MORE. 

I HAVE TRIED AND SPENT MORE THEN 80 HOURS ON THE PHONE WITH THEM.

I GIVE THEM THE SQUARE TRANSACTION NUMBERS, XXXX AND XXXX, THEY TELL ME ITS MY ACCOUNT, I NEVER HAD A SQUARE ACCOUNT, NOR WOULD I NEED TO STEAL XXXX FROM MYSELF AND CHANGE THE NAME TO XXXX XXXX. 
THE XXXX, XXXX MONEY ODERS WERE STOLEN OUT OF OR BY A UNITED STATES POSTAL EMPLOYEE, THEN " WASHED '' AND THE NAME WAS CHANGED, DEPOSITED WITHOUT A CHECKING ACCOUNT NUMBER. 

THE XXXX IS XXXX XXXX XXXX XXXX XXXX ROUTING NUMBER IS XXXX. 
I HAVE FILED WITH USPS COMPLAINT, 2- POLICE DEPARTMENTS, 1 WHERE I LIVE, 1 - WHERE THE MAILBOX IS. 

BLOCK INC, WHICH IS SQUARE, POSTED THIS FOR CASHING VIA A PHONE PLUG DEVICE, LIKE IT WAS PAYMENT FOR SOME SERVICE OR PRODUCT. 
THERE SO SCREWED UP, THEY SAY " MY ACCOUNT '' BEEN CLOSED BECAUSE OF FRAUD, THEY REFUSE TO DIVULGE THE REAL OWNERS INFORMATION.
Product: Credit reporting or other personal consumer reports

There seems to be some unauthorized hard enquiry on my credit report from XXXX XXXX on XX/XX/year> as someone is trying to apply for credit cards without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax repeatedly in writing, by phone and by fax. I have asked them to remove inaccurate information from my credit report and provide an accurate copy to my lender so I can close on my house. This process has been going on since XX/XX/2021. My lender can not not get any information from them and I can not move forward with my loan. I do not know what else to do. I need help.
Product: Credit card

On XX/XX/2023, I knew I had been hacked. 

The perpetrators hacked my email which lead them to other accounts My checking account was hacked through XXXX for {$990.00}. Charges were attempted at XXXX and XXXX XXXX but declined. My other accounts with XXXX, XXXX, XXXX, Capital One, and XXXX also had fraudulent charges. Capital One was the only company to challenge me. On XX/XX/2023. XXXX at Capitol One called me regarding my account being linked to my XXXX account. I did not know what she was talking about. She kept me on the phone for four hours. On XX/XX/XXXX, XXXX, she called back each time remaining on the phone for four hours.On the XXXX. She called again, and I hah had it. Capitol refused to give me any information on the the charges, or to let me know who had added themselves onto my account. 
Finally, on XX/XX/XXXX, I was able to file a fraud charges with them. as of today I have no idea what they are doing. By the time I was able to claim fraudulent charges, I realized they were accusing me of fraud. I am XXXX XXXX XXXX with an excellent credit rating. No one should ever be treated this way. Capital One allowed someone else to use my account without my approval. They should be held responsible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Chime closed my account after I received a deposit from my son for his rent in the amount of XXXX. I would like this money back and it has been months since this money was sent. I have tried to negotiate this money back with Chime but they have given me the run around about my account apparently being closed. Could the CFPB help me in any way with retrieving my funds. I appreciate your time and attention to this matter.
Product: Debt collection

Keep calling someone else on a debt that is not listed on the debt collection.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, I am writing to file a formal complaint against XXXX and Equifax for their persistent failure to correct inaccurate information on my credit report, despite multiple attempts to dispute these errors. I believe their actions constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, 15 USC 1666b, and 15 USC 1601. 

Account Name : Global Lending Services Account number : XXXX The inaccurate information includes : Incorrect Account Status : The account is incorrectly listed as " Closed '' and " In Repossession. '' The correct status is " Voluntary Surrender. '' Inaccurate Payment History : The payment history is inaccurate, showing numerous late payments. This information is incorrect and misleading. 

These inaccuracies are in violation of the FCRA, as they are both incomplete and inaccurate. 

The FCRA requires credit bureaus to maintain accurate and complete information in consumer reports. Additionally, the failure to investigate and correct these errors within a reasonable timeframe is a violation of 15 USC 1666b and 15 USC 1601. 

I have previously submitted disputes to both XXXX and Equifax on XX/XX/year> with complaint file reference numbers : XXXX : XXXX/ also on XX/XX/year> complaint number : XXXX Equifax : XXXX/ also on XX/XX/year> complaint number : XXXX / XX/XX/year> complaint number : XXXX Despite these previous attempts, the inaccurate information persists on my credit report. This ongoing failure to investigate and correct these errors is a clear violation of the FCRA. 

I request that the CFPB investigate this matter and take appropriate action against XXXX and Equifax for their repeated violations of the FCRA. I expect a timely resolution to this issue within 15 business days. 

I am available to provide any additional information as needed. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX