23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME MEDICAL BILLS ON MY CREDIT REPORT, BUT THIS COMPANY IS VIOLATING HIPAA LAW. 

IM REQUESTING TRANSUNION TO REMOVE COLLECTIONS AS THEY VIOLATED HIPAA LAW. 

PLEASE BE ADVISED THAT UNDER FEDERAL STATUTES, THE FAIR CREDIT REPORTING ACT, ( 15J U.S.C. 1681 ET SEQ ) AND CALIFORNIAS CONSUMER CREDIT STATUTES, AND SUBTITLE D OF THE ARRA, SEC.13401. APLLICATION OF SECURTIY PROVISIONS AN DPENALTIES TO BUINESS ASSOCIATES OF COVERED ENTITIES, AND DEC. 134407 ( 1 ) BREACH OF SECURTY. 

THE TERM " BREACH OF SECURTIY '' MEANS WITH RESPECT TO UNSECURED PHR IDENTIFIABLE HEALTH IMFORMATION OF AN IDIVIDUAL IN A PERSONAL HEALTH RECORD, ACQUISTION OF SUCH INFORMATION WITHOUT THE AUHORIZTION OF THE INDIVDUAL YOU MANY BE HELD LIABLE FOR THE ACTIONS OF XXXX XXXX.
Product: Debt collection

Ive received harassing phone calls, multiple times a day, company refuses to identify who they work for and request information about me ( social, birthdate etc. ). They have contacted my employer multiple times a day including my immediate family and children. I have spoken to the woman claiming to be XXXX XXXX and asked that she no longer contact me and to address any issues via mail. She continues to call multiple times a day to myself, employer and relatives. Company will not state thei babe and their number dies not match any company on XXXX. Their phone number is : XXXX XXXX I would like to file a complaint due to the numerous calls of harassment that are threatening my employment. Please help. 

Calls have been 7xs a day for the past 7 days starting on XX/XX/2018 XXXX
Product: Credit reporting or other personal consumer reports

I applied for an extension of credit through XXXX and was denied for many reasons, most I do not agree with but one of the biggest issues I see is that TransUnion was used to make adverse actions against me. I've never done business with TransUnion and thusly never consented for them to to share my information, let alone have my information. I am confused how they acquired my information. How can a company have and share my personal, private information without me ever speaking with them?
Product: Debt collection

The debt collector violated the law of 1692ae which states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communicactions
Product: Checking or savings account

On the afternoon of XX/XX/2023, I was bombarded with an insane amount of emails, only to find out later on that this is referred to as e-mail XXXX while something more sinister is happening behind the scenes. Later in the evening I received a text alert from CHASE asking me if I had authorized an {$800.00} payment. I went to my online account and saw that there were in fact several ( 18 ) unauthorized transactions to XXXX. I immediately called CHASE and informed them as to what was happening. They cancelled the debit card and transferred me to the fraud department. Needless to say my bank account was totally drained and it even went into overdraft. CHASE assured me that they will do their best to investigate and come to a resolution. After a week of waiting and no updates, I called CHASE on the morning of XX/XX/2023. They informed me that they had finished their investigation and that my claim was denied because the payments, all 18, were processed and issued to a third party merchant, in this case, XXXX. CHASE said that I needed to contact XXXX and seek a resolution about getting my funds returned. I called XXXX on three different occasions, each time speaking to different people, and each time I gave them all the information from the Chase transactions. XXXX kept saying that they can not find the transactions in their system so they can not do anything and that I needed to go back to CHASE. Basically I was being ping-ponged back and forth from XXXX to CHASE. 
I can understand if XXXX says that they have no records of the transactions but I can not understand why CHASE would deem those 18 transactions as NOT fraud. In all there were 25 transactions to XXXX at the time when the incident was occurring. Four of those were rejected and three cancelled. If this is not a red flag for the CHASE fraud squad then I don't know what would be. Also, while speaking to the last CHASE fraud specialist, I was told that part of their thorough investigation would have been to contact the merchant ( XXXX ) and verify the transactions. When I called XXXX there were none of those 18 transactions in their system? My position now is that my bank account has been wiped out, CHASE tells me that they transferred the money but the onus is now on me to figure out where it went. So much for helping the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at XXXX XXXX with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called XXXX XXXX on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying  to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you
Product: Mortgage

I have two different mortgages on a farm and a rental property. I have made payments on my loans online every month with any additional leftover money paid toward principal. Starting in XX/XX/XXXX I  had noticed that Well had been placing money into an unapplied funds account instead of toward principal. I had contacted them twice with continued problems. I finally contacted the cfpb last and was told the problem had been fixed and the case competed. I have tried to make a payment again on my account and AGAIN it has gone to unapplied funds. They are holding money and being paid on this money in interest. This problem has not been fixed.
Product: Checking or savings account

On XXXX XXXX, XXXX I received a Notice of Unpaid Electronic Fund Transfer from XXXX XXXX XXXX stating that XXXX received a check in the amount of {$14.00} which was returned as account was closed. This check was issued by XXXX Bank, XXXX, Ohio. I have never had a bank account with XXXX nor have I purchased any item from XXXX. XXXX confirmed ( e-mail attached ) that I do not owe them any money nor do I have an account with them. I filed per XXXX XXXX request a forgery claim report on XXXX XXXX. I also filed a police report copy of which follows. I have followed all the steps listed on the police report. On XXXX XXXX a letter was sent to me by XXXX, XXXX XXXX. I have tried to contact the telephone number listed on their letter and a recording stated this number was no longer in effect. When I called the new telephone number, I could not speak to a person. I also called XXXX for the XXXX time today, XXXX XXXX, and was told they do have a bank account with the number listed by XXXX but it is NOT in my name. They refused to send me a letter stating that this is NOT my account even though the Federal Trade Commission indicated this to be one of the things I should obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax about my credit report and the inaccurate information. There were a decrease in one of my accounts and the score went down instead of up. I 've opened a new account a loan to help build my credit and no score increase. This breach have really affected me and my ability to purchase a home. They are not reporting accuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 a fraudulent attempt to open a credit showed up on my credit report i contacted both XXXX and companies to delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about removing this information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of this inquiry or have Equifax get back to me with regards to the issue. Here is the inquiry that concern me : XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints several times already but still, these items are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still, nothing has changed. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

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

This is not my account and I need it removed from my credit report ASAP! 
The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

As for " American first finance '' the company reporting late payments to my credit report, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. XXXX XXXX XXXX./XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author if this complaint and while checking my credit report today I found some fraudulent, inaccurate and incomplete information. Please conduct a reasonable investigation ( 15 USC 1681a ) and DELETE these accounts from my credit report 1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX 4. XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX ) 5. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) 6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 7. ( Original Creditor : XXXX XXXX ) 8. XXXX XXXXXXXX XXXX 9. XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX Late Payments ; ( update to 100 % paid on time ) 1. XXXX 2. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed all of my credit reports and noticed a few fraudulent accounts. Can you please remove all of these fraudulent accounts off my credit report because it is keeping me from obtaining credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised as a result of identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX XXXX XXXX  It is disheartening to note that the data in question has not undergone the necessary certification process to conform to established reporting standards. Consequently, the inclusion of this data does not provide any assurance of its accuracy, currency, or comprehensiveness. Additionally, it is crucial to acknowledge that this information may be deficient, obsolete, or lacking adequate support. In light of these concerns, I earnestly request the removal of any erroneous or unsupported material from this page. 

XXXX XXXX XXXX It is imperative to acknowledge that this information might be deemed incomplete, outdated, or unsupported. Thus, we kindly request the removal of any erroneous or unsupported content from this page. Your prompt attention to this matter would be greatly appreciated. 

XXXX XXXX XXXX XXXX  I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law. 

XXXX XXXX XXXX XXXX  I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law. 

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XXXX  Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXXXX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX  Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Product: Checking or savings account

Debit Card used fraudulently, in XXXX XXXX and XXXX, while I live in XXXX XXXX. Was told the purchases would NOT be posted and that I could NOT claim Contingency Reimbursement until they were posted. Purchases were posted, account was driven into negative and Bank refuses to refund the funds. SO MANY instances of patterns of purchases, patterns of travel, and patterns of usage over looked. Bank can NOT have a working fraud department, except after the fact.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and Regulation. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

SYNC/HOME DESIGN defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an XXXX XXXX including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX  will be documented and used as exhibits for knowingly and willfully violating federal law.
Product: Checking or savings account

I was dining in at XXXX XXXX XXXX at XXXX XXXX, XXXX, NC XXXX XXXX I paid in cash for my meal. I noticed on receipt that I was being charged a convivence fee for a cash transaction. I approached the lady working there and advised of this issue. The lady advised that she wasn't sure or failed to refund me for the fee charged by her system. There is no notice at the point of sale of charging customer a convivence fee even if the customer used a credit card more less paying in cash.
Product: Checking or savings account

Back in 2020 I was XXXX XXXX XXXX. During the pandemic I saw an opportunity to make some money due to the low stock & high demand for above ground swimming pools. I began reselling these pools for a profit. There was one sale I had done to a local guy I met off XXXX XXXX. I got paid with a cashiers check, chase determined the check to be suspicious and I never received the funds as well they closed my account. It has now been 4 years since and I assumed by now I would be allowed to open a new account. After opening a new account and transferring {$3500.00} into it, I was unable to login online & I received a letter in the mail that my account has been closed ( final decision ). XXXX is a major financial institution in XXXX and I would very much like to bank with them. I don't believe it is right to restrict my profile due to a check I worked hard for at the age of XXXX during some of the toughest times American citizens have faced in the past XXXX years. Please help me restore my standing with XXXX so that I may bank with them going forward. 
Thank you in advance for your time and assistance with this matter! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have a Citi custom cash XXXX with a {$9400.00} credit limit. I made some large purchases and did not have any credit available. I made XXXX payments XXXX from the Citi website coming out of my XXXX Checking account on XX/XX/22 in the amounts of {$4500.00} and {$3100.00} for a total of {$7700.00}. 

The money came out of my account on XX/XX/22 and was credited to the account but they have not credited it towards my credit limit. When I called Citi they told me their was a hold on the payments because I made multiple payments in one billing cycle, I only did this because I needed the credit available. they told me the hold will be in place until XX/XX/XXXX. That is 9 business days after the money has left my account and they received the funds. 

XXXX transactions should clear in 3 days not 9! They had no problem taking the money from me and are now holding it, interest free. This is unacceptable.
Product: Checking or savings account

Between XXXX and XXXX Navy Federal allowed transactions to go through when funds were not in the account. As a result, Navy Federal charged overdraft fees. I would like to have these funds refunded. Please advise the next steps.
Product: Credit reporting or other personal consumer reports

Subject : Request for Action Due to 2017 Data Breach I am writing to formally address the violation of my federal rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) as a result of the 2017 credit data breach that exposed my personal information. 

On [ insert date of breach notification, if known ], I received notification that my sensitive data, including my name, Social Security number, and other personal information, was compromised. This breach has caused me significant concern regarding identity theft and the security of my personal information. 

Under the Fair Credit Reporting Act, I am entitled to certain rights to protect my information and ensure its accuracy. I am requesting that you take the following actions : remove all negative report off my account ending in XXXX XXXX