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

Good morning all, I have two credit cards that were opened in my name. These are not my accounts due to someone opened these accounts without my knowledge. I am disputing these charges and the credit card companies are moving forward trying to collect the money owed on the accounts. I have filed a complaint with the Federal Trade Commission. I want these accounts taken off my report as I'm not responsible for the charges.
Product: Credit card or prepaid card

On XX/XX/2022, I placed a dispute # XXXX with the Capital One credit card dispute department against a merchant ( XXXX XXXX XXXX ) that after processing a transaction on my credit card for the amount of {$170.00} the sale associate did not give the item. I called the phone number provided in the email and spoke with a customer service representative. I splain that the merchant charge my credit card and never give me the item due to the sale associate was in an argument with another customer and the sale associate stated that they need to verify their inventory. I wait until XXXX XXXX  went the mall was about to close but this merchant refuse to provide me with the item. Once I arrived at my car I call Capital One customer service and report the accident. On XX/XX/2022. I received an email from Capital One Bank stating that they were working hard and need more documentation. I provided the purchase receipt and some flyers of the purchased item. 
On XX/XX/2022, I received an email stating that my claim was denied. I called the Capital One dispute department and requested the reason, they said I did not provide sufficient documentation. I splained again what happen the customer service representative said that the person I previously spoke to had placed the dispute as a refund request. I specify how I can request a refund if I never received the item. He direct me to place another dispute indicating that I never received the item. Today, I received another email from the Capital One dispute department stating that my claim was denied. I called customer service and request to speak to a manager. The manager XXXX said the determination was final and there is nothing I can do to get the transaction reversed because the merchant had provided financial documentation proving that they give me the item. I do not know what documentation can be provided to prove that I did receive the item because I did not receive the item and the only thing I have is the receipt and the phone call I placed to Capital One on the same day of the accident.
Product: Checking or savings account

My checking account with Upgrade was supposedly closed, however, the message shown when signing in states deposit accounts suspended. I request account fully closed at this time.
Product: Debt collection

I contacted IC System about an account on my credit report that is not mine, but instead belonging to a family member. The agent I talked to acknowledged that they knew that the account did not belong to me and the agent said they will not remove it from my report until said family member pays the debt. I did not give IC System permission to use my credit for any purposes.
Product: Student loan

I was anticipating Mohela beginning to auto-debit my bank account, on a monthly basis beginning in XXXX, because payments are resuming in XXXX. I *WANT* to resume making payments because I am working towards PSLF. Mohela put my student loans into " Administrative Forbearance '' for the purpose of " processing '' something ( they did not tell me what they are processing ). While my loans are in Administrative Forbearance I am not able to make payments that count towards my 120 qualifying payments. 

However, because of how my scholarship was structured, I must make a payment every month, even if it doesn't count towards my 120 qualifying payments. This is because my old law school pays me a lump sum every year to cover my loan payments. If I don't may 12 payments in a year, I will owe my law school money. 

So I'm stuck in the position of being required ( by my law school ) to make a payment every month, but being prevented from making my monthly payment because Mohela put my loans into forbearance with no notice and no explanation.
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any informat
ion 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: Money transfer, virtual currency, or money service

Abra ( Abra XXXX ) is a crypto custody app or service. It is still possible to download its app through the XXXX XXXX XXXX or XXXX XXXX XXXX. 

Abra abruptly took all my XXXX tokens without any announcement. XXXX is a native token of Abra that Abra has sold to users and distributed interest to users who deposit funds into the Abra XXXX service ( called XXXX inside the Abra app ). Abra has promised many times to list its token CPRX on major exchanges, tweeting comments like " Something big is coming ... ''. However, XXXX has not been listed on any major exchanges and was even delisted from an exchange. At the end of 2023, Abra took all my XXXX balance and has not provided any explanation or responded to my questions. Abra has blocked most communication channels. The only way to communicate is through web browser chat, but even though I have asked many questions, only an auto-reply bot has responded with meaningless replies. 

Abra 's XXXX ( @ XXXX ) account is still active. The founder and CEO of Abra, XXXX XXXX ( @ billbarX ), is also active but has not responded to these criminal actions and has blocked many users who have criticized these crimes. XXXX XXXX announced the move of Abra XXXX XXXX to Texas and mentioned that they are trying to support Texas residents who use Abra. I strongly suspect that he intentionally moved the XXXX to Texas to avoid criminal accusations. 
And as far as I check, Abra and XXXX deleted many tweets that XXXX show how and what they promised and how cheated users. 

- **XXXX  XXXX, XXXX : Abra took all my XXXX ( XXXX XXXX ) from my Abra account, which was worth around {$20000.00} at the time of purchase. 
- **XXXX  XXXX, XXXX : I asked Abra through web chat why they took my balance and where they took it, but only received meaningless auto-reply bot responses. 
- **XXXX  XXXX, XXXX : I asked again through web chat, but again received no response except for the auto-bot replies. 
- **XXXX  XXXX, XXXX : I asked Abra again XXXX sending my email address. There was no response except for the bot 's automatic, meaningless replies. 
- **XXXX XXXX, XXXX : Confirmed I have not received any response from Abra and XXXX to submit this case to the CFPB.
Product: Student loan

I disputed this loan in XX/XX/XXXX and again XX/XX/XXXX. I requested documents showing that I signed up for a loan.The program I was in was a free program and for some reason, I received a bill. In my disputed, I asked for some proof and all that was submitted to me was my grade school transcripts. My XX/XX/XXXX dispute all they submitted was a typed out letter from someplace I have never heard of. The school closed while I was attending and this is why I 'm disputing this loan. I would have disputed this loan prior to XX/XX/XXXX but, I did not know I could.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is mailing letters to Mr. XXXX XXXX and Mrs. XXXX XXXX in the names of XXXX and XXXX XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX. In addition, XXXX XXXX is inaccurately reporting a loan account in our names, Mr. XXXX XXXX and Mrs. XXXX XXXX, to XXXX, Experian and XXXX. In XX/XX/XXXX, we mortgaged a residential property, XXXX XXXX XXXX XXXX ; XXXX, Georgia XXXX with XXXX XXXX for {$51000.00}. Our closing attorney performed a title search on the property. The title search came back free and clear which resulted in XXXX XXXX authorizing the sale of XXXX XXXX XXXX XXXX XXXX, Georgia. In XX/XX/XXXX, we sold the home to a buyer with written authorization from XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, former Branch Manager/Assistant Vice-President of XXXX XXXX, XXXX XXXX, revealed to us a promissory note of a second mortgage loan, from year XXXX in our names that did not match our signatures. According to Mr. XXXX, the second mortgage did not meet XXXX approval guidelines and was fraudulent. The third page of the promissory note was duplicated with forged signatures. In XX/XX/XXXX, a Civil Action was filed resulting in a court order to restrain XXXX XXXX " from conducting any foreclosure '' on our former property. Even though XXXX XXXX authorized the sale of our former property in XX/XX/XXXX, Mr. XXXX XXXX and Mrs. XXXX XXXX has recently received notification from XXXX, Experian, and XXXX regarding foreclosure action against the former property of Mr. XXXX XXXX and Mrs. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked for them to be removed by the credit bureaus and they DID NOT do as I asked. I am providing an identity theft report and will attached to this and I am requesting them to be removed because they are inaccurate and NOT mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XXXX XXXX, 2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an email from Experian stating that I had made updates to my account including changes to my address, email address, username, etc. I did not make these changes. A scammer has been trying to break into many of my accounts and was successful at this one and no matter what I've tried be it calling various numbers from Experian, I can not even get a human on the phone. Their automated phone system is awful and I end up in circles. There does not appear to be any kind of way to submit a trouble ticket with them online and when I tried to recreate my account with my correct information it gave me a system error. This is unacceptable that a major credit bureau is allowing scammers to break into people 's Experian accounts and change information let alone view all of the existing information. They don't even have 2 factor authentication as an option to prevent these problems from happening in the first place! Please assist as I am getting nowhere with them directly.
Product: Student loan

XX/XX/XXXX - Went online to Navient to pay off some loans infull. I paid off {$14000.00} worth of student loans. I received a confirmation email that my payment for the full amount was submitted. 

XX/XX/XXXX - Received an email from Navient stating only {$10000.00} has been paid off. I went online my check my bank account and the full {$14000.00} has been taken out. I contacted Navient but could not get passed the machine to human that could help me with my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX reporting on my Credit Report as this is a incorrect error, From XXXX, I have No knowledge of this debt! Account # : XXXX! Phone number : XXXX!! Pleaseeeeee, Im, asking, too, Remove, this debit, Completely off, my, Credit Report!
Product: Credit reporting or other personal consumer reports

I got this account from child support removed from all three credit bureau gave them a color of law paper made an I dentity theft report and child support shows back up on collections from the same case number that got removed from identity theft this is fraud it needs to get removed
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. 

Bankruptcy Filing No. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. 


Please do not close this complaint because it is a different case from the complaint I submitted last XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681. 

XXXX XXXX Transunion is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX XXXX Transunion written permission to furnish these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/2024, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX account to fraudulent investment firm ( s ).
Product: Checking or savings account

I cant do anything without calling a XXXX numbers to get an authorization code, which they wont give me. Its going on XXXX weeks now if this happening to me. I cant login to my mobile banking, cant use my debit card. Cant do anything without being forced to call and try to get an authorization code. Which the XXXX number refused to give me. I cant buy my medication, groceries or anything. Without going into a branch and pulling cash out using my drivers license.
Product: Credit card or prepaid card

In XXXX, XXXX alerted me to fraudulent charges. I went onto XXXX and changed my password as they advised. A few days later, they alerted me again, and there were 11 total charges for the same merchant ( that were not made by me ). I opened a dispute with XXXX, and a few days later, they credited me for one of the charges but not the others. My credit card bill was coming due, so I called Barclays Bank and disputed the remaining charges. They credited all the charges back to my account but added some back on earlier this month and the remaining ones a few days ago. After multiple phone calls to XXXX and Barclays, I was told by XXXX that they could not resolve the dispute because they were still waiting to hear back from my creditor. Barclays says they added the charges back onto my account because XXXX confirmed they were valid. My credit card bill is due, and I do not have an extra $ XXXX to cover these charges. I have excellent credit. I do not want to ruin that, but what else am I supposed to do? I can't believe neither of these companies has been able to do something to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX & XXXX are reporing in accurate ifnromation i have been going back and fourth with these comapnies to remove the inacuurate negative items that have been reported Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Only address that should be reported on my report is XXXX XXXX XXXX & i demand it should be updated Immediately. 

Negative Accounts : XXXX XXXX Navy Federal XXXX XXXX XXXX XXXX XXXX i will be filing a complain and suit as well. there is an attatched dispute as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge,  consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent accounts that were not opened by me, that I did not participate in, and were opened fraudulently by someone I knew. I have filed a police report and FTC identity theft report and provided this information in letters delivered via mail to each of the offending companies. All parties involved have received my FTC Identity Theft Report as well as police reports. XXXX, XXXX, Equifax, XXXX XXXX, and XXXX have all denied my requests to block this fraudulent information saying they verified it. This is a lie on their part. They did not verify the accounts or their balances belong to me. A tenant who rented at one of my residences stole my identity and opened accounts in my name after stealing my computer. While the offender is currently deceased due to a drug overdose I am left to fix the debt myself with apparently XXXX help from these companies. I am accusing the companies of negligent FCRA violations in their handling of this investigation. The accounts in question are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax comes with excuse of sending my credit report in which I wrote them and filed complaints. 

Equifax has wrong information I was told when looking to get a new car of names and address and phone numbers not correct by Equifax. 

I have also reported this to the US Attorney and wrote to DOJ of the run around with Equifax I have also contacted with XXXX XXXX firm in regards of taking legal action on Equifax excuses of sending my free credit report and Equifax created phone numbers address and phone numbers and various other information not correct.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to retrieve a credit report by using my tax identification. I do not have a social security number. I contacted all three credit bureaus [ Transunion, XXXX, and XXXX ]. Customer agents could not provide me with a credit report via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on transunion website to try to get my report and now they are saying they are not able to verify my information. I was also denied for two loans because they can't verify my identity due to pulling reports from transunion... I have always been myself and would never steal anybody else 's identity