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

My information has been compromised possibly due to a data breach and now I have several accounts reporting negative on my credit that I do not recognize. There are several in collections already and I need your help to get these fraudulent items off of my credit report. I have tried with the credit bureaus to no avail. Please help in this matter.
Product: Credit reporting or other personal consumer reports

I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it remains unaddressed. This unauthorized information, linked to my name due to identity theft, has severely impacted my life and caused considerable stress.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX : Pre-approved. Unable to auto-verify bank information a second time ( despite it functioning on their website the first time. ) Phone call received from XXXX. Informed XXXX I was locked for auto approval of banking information. She informed me I could submit my XXXX most recent bank statements instead. I submitted approximately XXXX minutes later via email. 

XX/XX/XXXX : multiple emails regarding 'additional information '. Phone call with another agent. Informed agent I was able to log into my bank account for auto verification but there seemed to be some sort of technical error on their end where it was stuck on 'loading '. Was told 'sometimes credit unions have extra security features '. ( I had no issues with this system during the pre-approval process. I believe this to be untrue. ) was told to submit a voided check because 'we require your XXXX most recent bank statements and a voided check for approval because you bank with a credit Union ''. There is no information available to the consumer that would hint at additional requirements for credit union customers. 

I submitted screenshots of my current account activity as well as a bank-generated digital check. 

Their requirements for a voided check are 'your full name as well as account and routing number must be visible on the check. ' I received a call stating the check image i provided would be fine as long as I re-submitted it with a 'void ' status. 

I re-submitted this check, now with 'void ' added to the image. 

XX/XX/XXXX : Informed I would need to submit another voided check because this 'looked digital '. I made that fact clear in prior correspondence, as I told every agent I interacted with that I was leaving down for over a week today ( XX/XX/XXXX ) and that's why I needed the loan and wasn't able to go to a physical bank location before then. 

I submitted every piece of documentation I was asked for despite these additional requirements not being made clear. I do not believe their additional verification requirements based on my banking with a credit union are fair or acceptable. 

After XXXX days of correspondence, I am now out of town and unable to obtain anything from my physical banking location by the time they will deny my loan due to lack of sufficient documentation on my end ( XX/XX/XXXX ). 

Their lack of transparency with the application process as well as lack of clarity regarding their requirements has caused damage to my credit in the form of a hard inquiry that will stay on my credit report for years and which I am in the process of rebuilding. 

Documents I provided : My XXXX most recent check stubs with my direct deposit information present on the documents to include my account and routing number. 

My XXXX most recent bank statements with XXXX direct deposits present from my place of employment. 

A bank-generated digital check with my full name, address, account and routing number present. 

Screenshots of my open and active checking account and most recent transactions to include transactions from that same day, as well as account and routing number.
Product: Credit reporting

This credit reporting bureau is reporting incorrect information under a Capital One credit card that was closed many years ago ( opened in XX/XX/XXXX ). This is old credit card is still displayed on my credit file showing XXXX 30 day late payments. XXXX late is displayed in XX/XX/XXXX and the other is displayed in XX/XX/XXXX. I wrote a letter asking Transunion to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XXXX and was informed by them that these late 's old, not verifiable and no longer on record and that the credit bureaus will remove the accounts completely. But they have yet to do this. I am suffering financially because of these false reporting and this falsely delinquent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX/XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX/XXXX  XXXX XXXX- Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX- Account : XXXX XXXX : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  - Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX/XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender must file Form 1099-C and send you a copy if the amount of debt canceled if debit is XXXX or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication.

SEND ME MY FORM 1099-C that you should have sent when you filled the account as canceled debt! SYNCB you are furnishing inaccurate and incorrect information to the consumer reporting agencies. As Defined by The IRS Even if you didnt receive a form 1099-C, you must report canceled debit as gross income on your tax return.

The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! You have no permissible purpose to furnish this information on my consumer report!

By Definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate!
Product: Mortgage

Hi, my name is XXXX XXXX was stop payments due to cronavirus under forberance plan.today i try to refinance my other loan then thay told me XXXX morgage put those payments on my credit.Please help me. 
Loan XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX, Date : XX/XX/XXXX inquiry with Equifax and XXXX, Date : XX/XX/XXXX inquiry with XXXX as I did not authorized the inquiries. The first dispute letter was sent on XX/XX/XXXX and the second on XX/XX/XXXX. Afterwards, I disputed the same inquiry online. They responded to the online dispute by stating they were able to verify this inquiry. 
But how is that possible? 

1 ) I did not apply for credit from XXXX and/or XXXX on XX/XX/XXXX. 

2 ) I did not receive nor was I denied credit from XXXX and/or XXXX on XX/XX/XXXX. 

To assist the bureaus ' further investigation, I attached the screenshots of my customer account with XXXX, which clearly shows that I do not currently have and never had any credit account before with this company. Moreover, the screenshots also show NO pending or NO DENIED applications for any credit product they currently have. 

Moreover, on the same day of the inquiry, XX/XX/XXXX, I contacted the XXXX XXXX Department ( XXXX ) and informed about the unauthorized inquiry on my credit report, telling them that I did not apply for a credit card with their company. Since then, they havent done anything, thus violating my rights under FCRA. 

Please see attached the disputed inquiries as well as screenshots from my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently used XXXX XXXX to dipute my student loan that went to collections sometime around XXXX. The company was originally XXXX XXXX XXXX XXXX they sold their operations to XXXX XXXX XXXX. The problem is XXXX credit report had XXXX for my loan collection so when XXXX XXXX disputed it as it has been closed since XXXX they removed it from my report no problem. Equifax has the same collection but it is under the parent company XXXX who is no longer reachable as they have closed and sold their business so my dispute and collection is still on my equifax report. I have tried contacting both loan companies and can't find information on either as they both have XXXX down their operations and sold their companies due to lawsuits. I need the dipute finalized and the negative account removed from my credit as it has been over 7 years since it was closed nit to mention they in fact removed it from XXXX XXXX so they should rightfully remove it from equifax as well.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I received a garnishment summons in the mail from c/o XXXX XXXX XXXX, XXXX that are representing American Express National Bank on approximately XX/XX/2019. This is in the amount of {$2600.00}. I tried contacting them to find understand what was going on and what this debt was about. I then sent out a certified letter on XX/XX/2019 in an attempt to have them validate the debt. They did not respond or answer the letter that I sent out which should have been delivered on XX/XX/2019. I have had my personal information compromised in the past and want to be notified of what's going on. By law they must validate this debt and provide evidence showing my signature on it showing that I have an agreement with them. They need to comply with the FDCPA and verify the information or have it deleted. It has been over 30 days and they refuse to validate the debt or even show that I am disputing it which is a violation and I am owed {$1000.00} in damages for this.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft several years ago. Once it was brought to my attention I made attempts to address the issues, with the three credit reporting agencies. I provided them with a letter stating that the information being reported was inaccurate. Also provided a police report, Federal Trade Commission Claim #, and a affidavit. First of all they took longer than 30 days to respond. When they actually did respond they stated the information had been verified. my response was how did you verify the information in dispute? They never responded and the fraudulent negative account is still showing on my personal profile. I sent another letter stating that the negative account in question wasn't mine. That's the only blemish on my credit profile.
Product: Credit reporting or other personal consumer reports

Remove all ID THEFT FRAUD inquires related to these accounts per FCRA : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ID fraud accounts to be removed : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, police report, FTC ID THEFT REPORT and validation attached.
Product: Credit reporting or other personal consumer reports

I filed complaints with XXXX, XXXX, and Experian for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below. 

The failure to mark this disputed account as disputed by the company constitutes a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the last activity on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date.

This business has consistently done nothing to further verify this collection account.
Product: Checking or savings account

Unable to open a checking account with any other bank because BOA has flagged my XXXX XXXX XXXX account as fraud. I have been a victim if identity theft. This is doing damage to my name and my livelihood. I have tried to resolve this with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Numbers # XXXX and # XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please remove the following items off of 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 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4900.00} XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XX/XX/20XXXX 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. Under the provisions of the Fair Credit Reporting Act section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

I initiated a transfer with Citizens from XXXX on XX/XX/24. Money was withdrawn from XXXX but within XXXX hours of initiating the process, I got an email from Citizens that the transfer could not be completed. In the email, it says I should receive it back to my XXXX account within 3-5 business days and its been over 6 business days and I still have not received anything. In the email, it also says I have to call XXXX to request transfer be returned. I called XXXX and they said theres nothing they could do, everything is handled by citizens.
Product: Checking or savings account

I have repeatedly had trouble linking my PNC account to services like XXXX and others to manage transactions. This is limiting my ability to control my assets.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2022 my XXXX XXXX account with XXXX XXXX with virtual currency assets held on the Gemini Exchange was hacked and 5 Ethereum with a value of {$15000.00} at the time was illegally transferred from my account through a hack. Gemini had custody of the coins on their exchange platform. I am another victim of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.GEMINI COMMITTED THE FOLLOWING VIOLATIONS IN THE OPERATION OF ITS CRYPTOCURRENCY BUSINESS ACTIVITY, RESULTING IN THE LOSS OF CLIENT CASH AND CRYPTOASSETS MAINTAINED ON GEMINI 'S EXCHANGE AND UNDER ITS PROTECTION : 1. GEMINI ACCEPTED SELF-DIRECTED IRA ACCTS FROM XXXX  XXXX XXXX XXXX ), A 3RD PARTY SERVICE PROVIDER ( SECT. 500.11 ). GEMINI FAILED TO PERFORM A RISK ASSESSMENT OF XXXX 'S ONLINE PLATFORM THAT IS DIRECTLY CONNECTED TO GEMINI 'S PLATFORM, NOR DID GEMINI EVALUATE THE ADEQUACY OF XXXX 'S CYBERSECURITY PRACTICES AND PROTECTIONS, IN VIOLATION OF XXXX ( 1 ) & ( 3 ). AS A RESULT OF THESE VIOLATIONS, A HACKER ACCESSED HUNDREDS OF SELF-DIRECTED XXXX  XXXX XXXX ON THE GEMINI EXCHANGE AND STOLE APPROX $ XXXX IN XXXX AND CASH FROM GEMINI 'S IRA CLIENT ACCTS. 
2. GEMINI FAILED TO PROVIDE XXXX WITH A PHONE NUMBER TO CALL TO STOP THE THEFT IMMEDIATELY UPON ITS DISCOVERY, INVIOLATION OF XXXX XXXX XXXX ( B ) ( XXXX ). IT TOOK XXXX XXXX XXXX HOURS TO FINALLY CONNECT WITH GEMINI PERSONNEL TO STOP THE THEFT. AS A RESULT OF THIS EXTREME DELAY, ALMOST ALL OF THE ASSETS WERE REMOVED. THE THEFT COULD HAVE BEEN AVOIDED HAD XXXX BEEN ABLE TO IMMEDIATELY REPORT THE HACK AND HAVE THE ACCTS FROZEN. 
3. GEMINI RETAINED 100 % CONTROL OVER FREEZING THE SUBJECT IRA ACCTS. XXXX HAD NO MEANS OF DOING SO FROM ITS END AND THEREFORE COULD NOT STOP THE THEFT AS IT WAS OCCURRING. NOR COULD XXXX MAKE CONTACT WITH ANYONE AT GEMINI IN TIME TO STOP THE THEFT. 
4. THE API THAT GEMINI REQUIRED XXXX TO USE HAD SERIOUS FLAWS THAT ALLOWED THE THEFT TO OCCUR : XXXX FAILED TO LIMIT ACCESS TO CLIENT ACCOUNTS BY ADMINISTRATORSALLOWED ADMIN TO WITHDRAW FUNDS W/OUT CLIENT NOTICE/AUTHORIZATION B.IT FAILED TO PROHIBIT TRANSFERS BETWEEN UNRELATED IRA ACCOUNTS ALL OF THE AFFECTED IRA ACCTS ( TOTALING A FEW HUNDRED ) WERE DRAINED AND TRANSFERRED TO A SINGLE, SEPARATE, UNRELATED ACCT, FROM WHICH THE THIEF ( S ) THEN TRANSFERRED THEASSETS FROM GEMINI 'S EXCHANGE.

C. IT FAILED TO REQUIRE 2FA BY CLIENT TO COMPLETE THE UNLAWFUL WITHDRAWAL GEMINIS WEBSITE SAYS 2FA REQUIRED FOR ALL WITHDRAWALS D.IT FAILED TO REQUIRE DUAL SIGNATURE BY ADMIN USERS FOR WITHDRAWALS A SINGLE ADMIN USER WAS ALLOWED TO DO THE WITHDRAWALS W/OUT NEEDING APPROVAL/INPUT BY A SECOND ADMIN
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX on XX/XX/XXXX to get a personal loan and they denied me, didn't understand why and even was upset because I have good credit. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. 

I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

yes i am a XXXX Veteran and was seen for XXXX XXXX  problems at XXXX XXXXXXXX XXXX XXXX in XXXX Utah after receiving help i stayed in constant communication with there billing Department to make sure the bill was taken care of witch it was, ,today i checked my credit score it had dropped 100 points due to a collection that was incurred during my stay from a physician that at sometime i had seen i had no idea that i owed any body anything when i contacted XXXX XXXX billing they simply stated that i had signed something i explained that i was provided a ride for a local police dept and that i could barley remember anything and that i was under a great deal of stress at the time this certainly seems as unfair billing practices
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.

I never owned this debt and I never signed an agreement or gave any documentation to even start a contract with them. I asked for supporting documents they refuse to show. This debt is not mine. I requested Proof of ID, Residency, Handwritten Signature & Supporting Documents To Prove This Debt Is Mine.