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

Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus on XX/XX/2019 after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are XXXX  XXXX XXXX acct no. XXXX and account no. XXXX. 

After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. 

I have done this and mailed this information on XX/XX/2019 the credit bureaus are ignoring it. 

I have also sent My FTC Identity Theft Report directly to XXXX  XXXX XXXX. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. 

Apparently neither the credit bureaus and XXXX  XXXX XXXX are ignoring the Federal Law and continuing to report fraudulent accounts. 

Please remove these accounts.
Product: Credit card or prepaid card

XXXX XX/XX/2020 I purchased 4 XXXX airplane tickets for my family from Bank of America through my Bank Of America travel rewards points in the amount of XXXX points, plus XXXX $ difference paid from a different credit card. Tickets were for XX/XX/2020 and because of COVID pandemic I was not able to travel. XXXX gave me vouchers for the amount spent to use within 18 months. Still because of the pandemic I was not able to use this vouchers and XXXX allowed me to get a full refund for the tickets originally purchased but stated that the refund had to be released from Bank Of America, which in this case played the role of travel agency. After tens and tens of attemps and stressfull and time consuming hours over the phone Bank Of America has still not refunded me the points and the amounts paid for the tickets.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX - Account XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I had an account with SYNCB/SAMS credit card and the account was closed and charged off. I noticed the company is reporting the account information inaccurately on my credit report, so I reached out to the credit bureaus to let them know that the account is not reporting correctly and they continue to validate the account even though the information is inaccurate. I reached out to XXXX credit for the XXXX time on XXXX XXXX, 2021 and they failed to correct the account after months of disputing this inaccurate account with them. They keep ignoring my request for an investigation. They also have sent me the exact same letter numerous times requesting the EXACT same information. They refuse to delete the inaccurate information from my credit report. They continue to send me the same auto generated letters month after month in response to my disputes. They are reporting the account inconsistently and inaccurately and it is damaging my credit scores. Each credit bureau reports this account differently. I found the FCRA 's XXXX XXXX XXXX that states that furnishers have specific obligations including reporting 100 % accurate information, not 90 % or 95 %. SYNCB/SAMS credit violated the FCRA by ignoring my request for an investigation and reporting inaccurate information to the credit bureaus.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I contacted the Coinbase Help Desk. I simply asked if they could help me identify an extra {$100.00} wire transfer from my bank. I said I couldnt locate it in the transactions. I was NOT stating I thought I may have been breached. There were three {$100.00} charges in a row. I remembered one. I found the second. My error. Could they help me identify the third. Just a few minutes later, I received a bot email response stating the had locked my account. I immediately replied back NO. I sent another email telling them to unlock it. That was ignored. Then an hour or so later, one of their Staffers replied with a response to my inquiry. I had inadvertently set up a {$100.00} recurring buy charge. He told me how to cancel that. I replied I cant fix it until they unlock my account. He replied it would take their investigators four to five days to unlock it. So I waited. I tried emailing the Help Desk again, but received another bot response that their email was no longer enabled. I had to submit a ticket. I did so. I have since sent in multiple tickets referencing the first ticket number. I just get bot responses saying each ticket will be added to the first. Thank you for your patience. I filed a complaint ticket. It has now been 17 days. Their own site says lockouts can take up to ten days. No other communication. They have only one published telephone number. That is solely for the purpose of calling to lock ones account if one thinks its compromised. I hunted down all three of their physical mailing addresses, of which they really only publish two. I sent a long letter to their VP Customer Experience explaining this whole fiasco. In the meanwhile, Coinbase has my money. It is part of the pool of investor monies that they can leverage for their own investing, yet I can not trade or sell or buy anything while a XXXX XXXX is running. They are thus using my entrusted invested money but keeping me from utilizing it myself. I cant even see how much I am losing or gaining. As a XXXX XXXX on a fixed income who is diligent in watching over his investments for retirement, this action on their part is egregious and untenable. The last time I saw my account there was about XXXX in there. That may be peanuts to them, but it is a quarter of my total invested money. As they keep signing on thousands of new users to fill their coffers, they seem content to manipulate the assets of old clients. Others have been locked out for ridiculous amounts of time as well. I gave no consent for an arbitrary lock out. That is what their one sole telephone number is for. The original ticket number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent 45 Days Ago ). Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 
This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received XXXX correspondents from XXXX. Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused negative impacts
Product: Mortgage

I have XXXX mortgage accounts with Bank of America. They are not applying my " principal only '' payments to the principal balance. All of my " principal only '' payments are being made after my regular mortgage payment and prior to the next month payment, as I was told to do by a Bank of America representative. XXXX, XXXX and XX/XX/2020 I made over 20 " principal only '' payments and none were applied to the principal balance. I spent over 9 hours during multiple phone calls with representative, supervisors and the managers of supervisors attempting to get this situation resolved. No one could tell me the process to get my " principal only '' payments accurately posted to the principal balance. They said what I was doing should have worked. They attempted to blame it on a new software program and did not offer me an appropriate solution. I have to work extremely hard to get extra money to make " principal only '' and it is extremely frustrating when my money is applied to future payments ( principal and interest ). My loan can be paid off early without penalty but Bank of America Home Mortgage has made it difficult to do this. I need to know the process to make sure my " principal only '' payments are applied appropriately.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting I advised ALL inquires reported were fraud company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, I the consumer am now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap EQUIFAX Commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form XXXX XXXX  XXXX forms to XXXX  consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their consumer file not consumer report.
Product: Credit reporting or other personal consumer reports

XX/XX/2023. I called TransUnion and asked for my file number for a bankruptcy that they are reporting to confirm that when I asked for it in XX/XX/2023 that it was the same file number that was told to me in XX/XX/2023. 

File # XXXX ... ... .. That's what TransUnion told me again today. 

I have my XXXX Consumer Disclosure Report and no bankruptcy exists in the 354 pages that is dated XXXX 


TransUnion is reporting this derogatory mark public records Reference # XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX. 

XX/XX/2023 I called TransUnion to find out why they were reporting a bankruptcy and they said they got the information from a 3rd party agency. I reached out to XXXX through CFPB. XXXX responded that they are not reporting a bankruptcy and to maybe ask XXXX XXXX. XX/XX/2023 I called XXXX XXXX to get help locating a bankruptcy on my consumer file. The representative couldn't locate it and said to ask TransUnion to give the file #. I called TransUnion and they gave me File XXXX XXXXXXXX. I called back XXXX XXXX and spoke to XXXX who told me the file # is non-existing. I then called back TransUnion and they texted with me and said to dispute online and they would remove the details. I have attached the screenshot of the conversation. 


TransUnion has not done anything to remove the details and the account.
Product: Vehicle loan or lease

I sent the payoff to Flagship Acceptance in the amount of {$20000.00} ( Cashiers Check ) on XX/XX/XXXX via XXXX XXXX ( Tracking # XXXX signed by XXXX XXXX ). I called multiple times and was advised that was not received. I stop pay and sent XXXX cashier check on XXXX XXXX XXXX ( Tracking # XXXX signed by XXXX XXXX XXXX XXXX I stop pay and sent a XXXX cashier check on XX/XX/XXXX and received on XX/XX/XXXX ( Tracking # XXXX signed by XXXX XXXX ). I have sent in the information to the company and they advised they are unable to locate. All the needed information on the check has been verified as correct. I confirmed the check was finally cashed on XX/XX/XXXX and has not posted as of today. I was advised on XX/XX/XXXX they are unable to locate the payment.
Product: Mortgage

My VA interest rate increased on refinance then decrease on a VA refinance. first it was with XXXX XXXX, then with XXXX and then again with XXXX XXXX XXXX, for a third time. I suffer from XXXX, and the loans with the XXXX,. I feel that on the first I was taken advantage of by the agent. I was confused and no assistance was given. I feel that I was cheated, and I am unable to understand what took place. I am a XXXX XXXX   XXXX XXXX veteran. I need help to determine the account. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to apply for financing on an auto loan. I asked them to only run my name through XXXX XXXX. Instead of running my name through XXXX XXXX, they ran my name through numerous institutions instead of XXXX XXXX without my permission. 

The following Institutions are : 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: Checking or savings account

Goldman Sachs closed my account on XX/XX/year> without my knowledge. They claimed they sent me a check which I never received. On XXXX I sent them a notarized statement to that effect. As of today I still have not received the money. I called several times and they claim they are investigating the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My name is XXXX XXXX and on XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. As of yet, it's been nearly 60 days and I still have not received a response. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it is plainly states 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 nearly 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm having an issue with Transunion credit reporting agency, they are still showing that I have a late payment on my credit report. I also have ( AUD ) numbers ( XXXX ) ( XXXX ) ( XXXX ). This issue has been going on for about three months now. The company that is reporting late is Police and fire credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax and XXXX XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX, XXXX # XXXX XXXX XXXX, XXXX # XXXX Equifax and XXXX company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave Equifax and XXXX written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, Equifax and XXXX are in violation of 15 USC 1681.

Failure to respond satisfactorily with the deletion of the above-referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against Equifax and XXXX, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

CREDITORS BUREAU ASSOCIATES is a medical collection that is Being Reported illegally & is violating my Privacy and Hippa laws. Under the CFPB 's amended Regulation V implementing the Fair Credit Reporting Act ( FCRA ), medical debt information is prohibited from being included on credit reports provided to lenders.The continued reporting of this collection account directly violates the amended regulation.This account represents a medical debt, and its inclusion on my credit report contravenes the legal protections now in place to prevent the misuse of medical debt information. 
In accordance with these legal standards, I kindly request the immediate removal of this collection account from my credit report.
Product: Vehicle loan or lease

I'm quite disappointed with Nissan Motor Acceptance since they are reporting several lates on my credit report. Since I didn't feel these are accurate I requested statements of the months I was late perhaps payments were misapplied. The months i'm referring to is : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company 's representative lied to me upon signing the contract for the credit card machine. I have the contract but unable to attach at this time. It charged fees it was n't supposed to illegally and I was forced to close my checking accounts. Now almost 6 months later they sent me to collection stating I owe them money when it 's the other way around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Money transfers

I have tried several times online to close my PayPal online account. I have tried several times to close the account, but every time I try to do so through the website, it does n't work ( the site freezes ). I suspect they are preventing account closure on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts on my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud or scam I'm not the one with these debts want to remove any negative items on my credit
Product: Mortgage

To whom it may concern, i previously filed a complaint they keep saying its not for them and they reject them. I do have an account t with them they have even acknowledge received and claim that they will give me an answer by XX/XX/XXXX a day after my foreclosure auction. Unbelievable all they want is to keep my house. I will attached copy to this complaint
Product: Money transfer, virtual currency, or money service

In the month of XX/XX/year> I received XXXX dollars which they took XXXX and left me with XXXX dollar, in the month of XX/XX/year>, they took the sum of XXXX, leaving me with nothing XXXX dollars, and in the month of XXXX they took XXXX dollars from me in total sum of XXXX.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed that there are accounts being reported that I have no knowledge of or affiliated with. I contacted the credit reporting agencies in XX/XX/year>XXXX  via phone and XX/XX/year> to notify them that someone was attempting to access line of credit in my name that I had not authorized. I ask for verification of these transactions. I pulled another report and now I see an account that I have never acquired. 
I have the right to privacy and furnishing accounts without my written consent is in violation of 15 USC 1681B I have researched these creditors and I have never had any accounts or applied for credit with these creditors, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX. Furnishing these transactions to my profile due to identity theft is in violation of 15 USC 1681 c-2 I have previously that any address I've never resided be deleted from my profile to prevent any further fraudulent activities