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

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 
THIS CHARGED OFF ACCOUNT IS NOW CONSIDERED ORDINARY INCOME. THIS IS CANCELLED DEBT SO HOW IS IT REPORTING ON MY CREDIT REPORT AS DEBT. 
I ASKED THIS COMPANY TO SEND ME A 1099-C FORM SO I COULD FILE THIS ORDINARY INCOME. THEY REFUSED TO SEND ME THE FORM, THIS IS A VIOLATION OF ( 15 USC 1681EB ). THIS DEBT WAS WROTE OFF ON THEY TAXES TO THE IRS AS PROFIT LOSS. THIS IS NOT ACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. THIS ACCOUNT NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries that I dont recognize. 

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, credit repair services, or other personal consumer reports

A company named XXXX XXXX XXXX XXXX, etc.filed a collection request to XXXX XXXX 2 weeks ago for non payment. The credit bureau they had used gave them bad info, using my name and birthdate instead of the real person. XX/XX/XXXX I called the police and was interviewed by Officer XXXX XXXX of the XXXX Nh police dept. I also contacted the company who sold the equipment and the collection agency. By XXXX that afternoon, Officer XXXX had contacted the collection agency and had investigated, finding out the real customer who defrauded the company. Her name is apparently XXXX XXXX with my same birthdate. Upon investigating, Officer XXXX found out that this woman gave a SS # that was hers, and not mine. When the company realized she had ripped them off, they turned it over to XXXX XXXX. The collection agency gave Officer XXXX. the info they had and she found out where the woman lived and one of them even gave the woman 's email address, all of which I have. Yesterday, On XX/XX/XXXX, Officer XXXX. called me to tell me that XXXX XXXX had done its own due diligence and realized I was a fraud victim and they promised her they would clear up my credit as soon as possible. In the meantime, I filed fraud warnings on all 3 credit bureaus and my bank. But today I got a notice from Experian  saying XXXX XXXX was refusing to clear my name. I have called Officer XXXX again ( in tears ). I can not find a link on Experian to further protest this fraud and no one answers the phone. Plus XXXX hung up on me, and no one from the collection agency would speak to me. 

XXXX operates out of Utah ; one of their phone numbers is XXXX. XXXX XXXX. Please help me. I suffer from an XXXX XXXXr as it is ; thi is causing me illness. 

My name is XXXX XXXX ; I live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NH and my email address is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to file a formal complaint against TransUnion, Equifax, Experian for failing to properly investigate inaccurate information reported on my credit report, despite my efforts to resolve this issue directly with them. 

On XX/XX/year>, I initially contacted TransUnion, Equifax, Experian in writing, providing detailed information and supporting documents to dispute inaccuracies on my credit report. Instead of investigating my dispute, TransUnion responded with stall letters, which did not address the concerns I raised. I attempted to follow up by calling their customer service department, but my calls have gone unanswered. 

This situation has caused me significant frustration and potential harm, as the inaccurate reporting affects my financial standing and creditworthiness. The issue involves fraudulent accounts, incorrect payment history, '' charge off accounts that are still reporting activities. 

I have attached all relevant supporting documents, including copies of my original dispute letter, TransUnion 's, Equifax, Experian 's response, and any evidence substantiating the inaccuracies and fraud on my credit report. 

I kindly request the CFPB to investigate this matter and hold TransUnion, Equifax, Experian accountable for its failure to comply with its obligation to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). Additionally, I request guidance on any further steps I should take to protect my rights and resolve this issue. 

Than you
Product: Credit card

In XXXX 2016, my Capital One credit card number was stolen after placing an online food order. Multiple flights and vacation packages were purchased from different companies. Many of the charges were refunded, but XXXX were recharged to the account in XXXX 2016. I have called the fraud department approximately every other week. The previous employee, XXXX, no longer works there and her voicemail states this. During the most recent phone call, Capital One promised my account balance would be cleared to XXXX. This has not been the case, and the balance for the fraudulent charges plus interest charges are still being charged to my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on 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 XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was the victim of a robbery in XXXX, XXXX, where my personal belongings, including my phone, were stolen. The perpetrators gained unauthorized access to my Coinbase account and initiated fraudulent transactions. 

On XX/XX/year>, the fraudsters sold several of my XXXX on Coinbase and transferred {$5000.00} from my XXXX XXXX account to Coinbase. I became aware of this unauthorized transaction on XX/XX/year>. 

I have taken the following steps : XXXX. Filed police reports about the incident and unauthorized transactions. 
XXXX. Contacted Coinbase multiple times, submitting verification using my passport. 
XXXX. Requested reimbursement from Coinbase for the unauthorized transactions. 

Despite these efforts, Coinbase has not provided adequate support or resolution. They claim that transactions on their ledger are final and have not taken steps to reimburse me or address the security breach. 

I am filing this complaint due to Coinbase 's lack of security measures and their failure to assist me in resolving this fraudulent activity on my account. Their inaction has resulted in significant financial losses and emotional distress. 

I request that the CFPB investigate Coinbase 's security practices and their handling of unauthorized transactions, with the goal of recovering my funds and preventing similar incidents for other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Request to Rectify Violations of the Fair Credit Reporting Act Dear Sir/Ma, I hope this email finds you well. I am writing to bring your immediate attention to a serious matter regarding my rights under the Fair Credit Reporting Act ( FCRA ). I believe that your current actions are in direct violation of several sections of the FCRA, as outlined below : Violation of 15 U.S.C 1681 section 602 A : The FCRA guarantees my right to privacy, and it is evident that your recent actions have infringed upon this right.

Violation of 5 U.S.C 1681 Section 604 A Section 2 : The FCRA clearly states that a consumer reporting agency must not furnish an account without my explicit written instruction. It has come to my attention that this provision has been disregarded.

Violation of 15 U.S.C 1666B : The FCRA specifies that a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I have evidence indicating that you have incorrectly categorized a payment as late.

Given the gravity of these violations, I hereby request your immediate attention and action to rectify this situation. I insist that you promptly remove the late payment and any associated negative reports from my account. Furthermore, I kindly request that you update my account in accordance with the provisions set forth in the FCRA.

I trust that you understand the urgency and importance of addressing this matter without delay. Failure to comply with the FCRA may result in legal consequences, and I would prefer to resolve this matter amicably and swiftly.

I appreciate your prompt attention to this issue and expect a written response from you confirming the necessary actions taken to remedy the violations mentioned above. I look forward to a favorable resolution and a restored credit profile that reflects my accurate financial standing.

Thank you for your immediate attention to this urgent matter. 

Yours sincerely, XXXX XXXX
Product: Credit reporting

I have disputed this item with the credit reporting agencies ( XXXX, XXXX, and Experian ). Every time I dispute the item, I receive a response that the item is valid. However, I NEVER receive any documentation that proves that ( 1 ) the debt is valid and ( 2 ) the debt is mine. 

I 'm at my wits end with the massively irresponsible behavior demonstrated by the XXXX credit reporting agencies. Without proof, the credit collections company ( XXXX XXXX XXXX ) has absolutely no right to place this item on my credit report. 

Please help me resolve this issue. THIS IS NOT MY DEBT, AND I REFUSE TO PAY FOR A DEBT THAT IS NOT MINE. 

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

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

Due to the Equifax data breach, my information has been leaked all over the web. I have unauthorized account inquiries and balances on my credit report that is inaccurate.

Due to the Experian data breach, my information has been leaked and I am now receiving unsolicited phone calls letters, credit inquiries, unknown accounts on my credit report I have reached out to both of the companies and ask for all the information pertaining to this breach. I have put a lock on my credit And obtain credit reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Debt collection

XXXX XXXX Referencing the above CFPB case numbers, this is proof that Rooms to Go/Synchrony is still attempting to collect a debt from my wife that was never hers, in an amount that she never agreed to. The company closed the account twice, and re-opened it once. Then at the same time, sold it to a collection agency in her name. I have attempted to settle this with Rooms to Go and have had nothing but issues over the past few months. I am attaching a copy of the collection notice sent from XXXX on behalf of Rooms to Go.
Product: Vehicle loan or lease

Paid car loan off completely on XX/XX/XXXX, waited untile XXXX to call regarding release of title, 1 st day they told me their title dept was closed, called the following day was put on hold for 30mins to be told that I was suppose to call DMV to release title, was emailed a receipt of my loan that was already paid off. Still waiting for title release
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C. 1681 FCRA section 602 ( a ) states I have the right to accuracy in reporting. 15 U.S.C. 1681b-a section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) states No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes, they may only report crimes not debts which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Veros Credit XX/XX/2019 XXXX I have previously requested that my original documents be mailed to me, but I have yet to receive a response or the documents themselves. I am still awaiting a response to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017, Navient stated that I was three [ 3 ] months behind. This is incorrect as my account was in deferment. I made several inquires and can never get through. I am in the process of possible employment, which they look at a persons credit for gainful employment. I need this negative remark removed as it is incorrect.
Product: Debt collection

Collection agency Cavalry Portfolio Services reported a fraudulent debt to the credit bureaus saying I was 120 days past due on a debt I knew Nothing about until my bank told me my credit score had declined by XXXX points. I called Cavalry - spoke to XXXX XXXX today XX/XX/XXXX, at XXXX who wanted the account number that I never had and then said to investigate me I had to prove it wasn't mine. Then she said the original debt was from XXXX, and could I prove I didn't live in Florida then. I have never lived in Florida, I have been at my XXXX address since XXXX. I have had second houses in XXXX  and XXXX, never FL. Then she said the investigation would take 60 days but they would never tell me what happened because I said reporting it to the credit bureaus without contacting me first lacked due process and was harassment. I have been the victim of identity theft, so all three credit reports are frozen
Product: Checking or savings account

This letter is in response to your recent claim that XXXX XXXX XXXX XXXX  XXXX has [ XXXX XXXX ] verified that I have an unpaid debt with them and Suspected Fraud Activity Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX XXXX ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX XXXXXXXX ) regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX XXXXXXXX ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.
Product: Credit card

In XXXX of XXXX, I made a purchase with merchant XXXX XXXX for a handbag that was ADVERTISED as leather. I received the handbag only to learn that it was NOT genuine leather, and I contacted the company about this, as this equated to false advertising of the merchandise. The company responds and tells me that I can return the bag for a full refund... to a location in XXXX, and that I would have to foot the bill for shipping for the return. I told them that wasn't a satisfactory option due to the fact that they falsely advertised the item as genuine leather. Had it been advertised honestly stipulating that it wasn't genuine leather, I wouldn't have purchased the bag. The burden of shipping costs was on them due to false advertising. " Fully '' refunding an item that I paid for based on deceptive information should not include me incurring a XXXX XXXXXXXX shipping fee. They refused to send a prepaid shipping label, in spite of the fact that they falsely advertised the item. They responded to the merchant ; however, did not attest or admit that they falsely advertised the item, which would have been a reason for the refund. Merchandise that comes differently than described is customarily due for a refund from the credit card company. AMEX refused to credit me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results
Product: Credit card

I 'm an authorized user on this account and when the primary stopped paying as agreed, the credit card company is reporting negative information on my credit report. As an authorized user, this should not be reflected on my credit only on the primary 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been made aware that XXXX XXXX continues to violate my consumer rights excessively. I have had multiple encounters with the bank and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation. This behavior constitutes dead-right fraud and violates consumer protection laws. XXXX XXXX  has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous sending of emails constitutes harassment and abuse, which is also a violation of the law. Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. 

Account XXXX : XXXX
Product: Checking or savings account

On XX/XX/XXXX or XXXX impending an account with citi bank with cash, a savings which I deposited {$6000.00} and a checking which was {$1200.00}. On XXXX the XXXX they froze my account because I tried to use my temporary card and it didn't work. So they said suspicious activity. I went into the XXXX branch of citi bank and they helped me get it unblocked. I go home and try to use the card in XXXX  it's blocked again. I go back the next day into the branch XXXX XXXXXXXX XXXX  and they say I need a reference number to unblock my account. It will be in the mail 7 to 10 business days. I haven't had access to my funds for 10 days and still no letter with a reference number. I received XXXX letters from them XXXX. A welcome letter and to with the same code and it said to call and give them this code I called gave them the code and they said it's another letter with a reference number that was mailed on the same day as the XXXX letters that I already received. I haven't had money for food or nothing else. I called them and they said wait for the letter which is nowhere in sight. I asked them can I come in the branch with proper identification and they said the branch can't do anything. The branch told me in person that I have to wait for the letter. I looked at the reviews and they do this to everyone which means they are mishandling money that's trusted to them.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold my gmc envoy to a lady for {$5200.00}. The lady paid me with PayPal. 
PayPal chose to hold my money for about ( XXXX ) days before making the funds available for me to transfer into my bank account. 
When I attempted to transfer the money, it didnt transfer and I got a message that I couldnt transfer that amount at one time. I logged out of PayPal and tried to call them for assistance transferring my money. All I accomplished was taking to a computer for several minutes, and realized I was not getting anywhere! I then logged back into my PayPal account to find a way to get my money! No success! 
After I got home from work I called PayPal again. This time I was able to talk to a real person! They immediately told me that my account was closed, and my money had been successfully transferred!! After many days and countless hours on the phone pleading with them that I hadnt received anything, they said everything looked good to them.case closed!! My account had to have been hacked! If they would take the time to look! I refuse to let PayPal to not pay me the money that I trusted them to deliver to me. The money never reached my account! They are responsible for my money until I receive it!! I DID NOT!