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

Account name : XXXX ( XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 

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 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

Was not aware of debt owed opened XXXX2016 from original debtor : XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Requesting names that need to be on my XXXX XXXX XXXX, Account. addressing the issue with my credit report : This not a complaint I'm facing identity theft don't want to send any documents through the mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tennessee XXXX Dear, XXXX XXXX I hope this message finds you well. I am writing to formally request an update to the names listed on my XXXX XXXX XXXX  due to inaccuracies that are currently affecting my credit report. 

It has come to my attention that the names associated with my account do not accurately reflect my personal information. This discrepancy is causing issues with my credit report and may impact my financial standing. 

For your reference, names I use details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX these names are associated with my Credit report. 
# I kindly ask that you update the records as soon as possible to prevent any further complications with my credit report. I appreciate your prompt attention to this matter and look forward to your confirmation once the changes have been made. 

Thank you for your assistance. 

Sincerely, This has messed up my credit report Equifax deleted my XXXX XXXX XXXX XXXX  account yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 via Certified Mail # XXXX XXXX XXXX XXXX XXXX Ally Financial received my letter informing them that I did not authorize a credit inquiry by their company and if I was wrong, to please send me proof of my authorization. 

On XX/XX/19 I received a letter from Ally Financial without proof of my authorization. I never authorized anyone associated with ALLY FINANCIAL, or XXXX XXXX XXXX, to make a credit inquiry or authorize a credit inquiry on my behalf. Ally Financial fails to provide proof that this inquiry was authorized by me in writing, bearing my signature. Anyone could have stolen my identity and attempted to purchase a vehicle. 

Therefore, without the requisite proof of authorization, Ally Financial must immediately delete this inquiry. Otherwise, civil action may ensue for violations of the Fair Credit Reporting Act, including but not limited to Section 609, Defamation, and Negligent Enablement of Identity Fraud.
Product: Checking or savings account

In the beginning of XXXX I received a phone call from Wells Fargo stating my account was in jeopardy and someone tried taking money out. I later found out it was a scam and the scammers took everything from my personal account as well as my business account. I filed a complaint with Wells Fargo and they were unable to help me.
Product: Credit reporting

My exhusband has XXXX tax leins on his credit. Because we were married from XX/XX/XXXX to XX/XX/XXXX ... hisbtax leins show up on my credit report as negative impact. He just paid them off this summer and i have sent all the information to the ihio attourny general office. The lwins hve been released..but still show on my credit report. Is there any way to remove the negative information from my credit because the debt was kot my own debt ... but my exhusband local tax debt? Thank you. XXXX XXXX ph # XXXX XXXX XXXX. Address # XXXX XXXX XXXX. XXXX ohio XXXX
Product: Debt collection

Identity theft as I was residing in XXXX XXXX. 
Been trying to resolve this issue yet going in circles with nothing accomplished and negative marks on my credit due to theft. 

I can be reached at XXXX Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have found a number of inaccurate information listed such as names, addresses, closed accounts & debt. 

It is my right under the Fair Credit Reporting Act to ask for the name & address of the business that claims the debt. 

My request is for they either to verify the information or to remove the debt from my credit report. Equifax, XXXX, XXXX and XXXX XXXX  are not maintaining reasonable procedures. 

I request that you comply with the law and give me the verification in writing within XXXX working days of receiving this letter. It is important that I correct my credit report as soon as possible. 

I, as a federally protected consumer, am invoking my specified remedy as a consumer, and the debtor, I hereby demand all of the following : I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease & desist all forms of communication with me through any and all mediums UNLESS it pertains to my remedy in WRITING via mail pursuant 15 USC 1692c. ( c ). 

I, the affiant and consumer, in writing with adequate information on all forms of remittance " accepted '' and the remittance provider address and the name exactly as it appears on the I.R.S statements so we can resolve this issue post haste. If you are not familiar with remittance transfers, please see XXXX XXXX XXXX C.F.R Subpart B " Requirements Remittance Transfers '' for your reference. 

I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. I declare under penalty of perjury WITHOUT the United States ( 28 U.S.C 1746 ) that the Above is the Truth, The Whole Truth and Nothing but the Truth to the best of my knowledge and Overstanding. 

The Fair Credit Reporting Act XXXX Common Violations which include inaccurate violations, incorrect addresses, unauthorized accuses and right authorization are all violations. 

15 usc 6802-6805 Disclosing my information XXXX. COLLECTION AND ENFORCEMENT BY SECURED PARTY XXXX XXXX. XXXX ) If a debt collector does violate the FDCPA they can be liable for up to {$1000.00} in damages plus any attorney 's fees. Meaning you all have been calling me about debts that have been CLOSED and PAYED off with GAP insurance and insurance. You can NOT collect on a debt after its been closed or payed off. You have violated my rights. 

Additionally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Contacted Loan Depot Loss Draft Department on XX/XX/XXXX. Was told by Loss Draft Department that a check would be issued for XXXX. Total funds sent to Loss draft by myself, we're approximately XXXX. Total loss amount for claim is exceeding XXXX, and Insurance has only issued partial payment. All required documents have been sent to Loan Depot. 

On XX/XX/XXXX, request callback from manager. Was told 48 hours. Also was told that a restricted escrow account does not accrue interest on CA account. I, customer, sent in prepaid 2nd day air label to insurance portal to expedite mailing of funds check to get construction started. My date of loss was XX/XX/XXXX. 

Spoke with XXXX from XXXX, MI on XX/XX/XXXX. XXXX advised me a check was issued for XXXX. Asked why his colleague advised me something different. Had no response. I asked XXXX why I hadn't received a callback from a manager within the promised timeframe. XXXX said " we don't provide timeframes for a supervisor call back ''. He had no response as to why his colleague made that promise. Also asked about whether check would be sent using my shipping label, as it had been approved in the portal 48 hours prior to my call with him. He said " I don't know ''. 

My loan is transferring servicers effective XXXX. I am trying to get these initial funds released prior to the transfer, so the money that is rightfully owed to me can not be stuck in limbo for 45 days. I have been punctual, cooperative, and understanding of the policies required for this process. However, I feel Loan Depot is not upholding their end of the bargain. I would like all the funds released to me from the restricted escrow. It is apparent form the loss estimate provided by my insurance and my contractor, that this project will significantly exceed the XXXX in the account currently. Loan Depot is too incompetent to recognize that and release the funds prior to the transfer of servicing.
Product: Credit card or prepaid card

On XX/XX/XXXX, {$2800.00} was charged to my Citi credit card by XXXX GA. Although I was a XXXX customer, I was a customer in Illinois and this was not my normal monthly billing amount of approximately {$250.00}. I disputed this charge with Citi and it was removed. 

On XX/XX/XXXX, {$3200.00} was charged to my Citi credit card. Again this was the fraudulent XXXX GA charge, however Citi only temporarily reversed the charge and informed me that this was a " real '' XXXX bill. I believe that being a real XXXX customer gave them that conclusion. Although I have on two separate occasions supplied them with my billing history from XXXX showing this was not my account, they continue to insist that the activity is real. I have called countless times to discuss this with both Citi and XXXX over the following 14 months to follow up with any requests from Citi. I was told several times that " investigators '' were " looking into '' the dispute and that they have concluded it was a real charge. 

On XX/XX/XXXX, I was informed that the name on the XXXX bill provided to Citi to substantiate the charge was " XXXX XXXX '' ( spelling was not provided ) and the address was in Louisiana ( again my real billing/home address is XXXX ). It is worth noting that I have been asking for this information repeatedly and was promised it would be sent. It never was and only supplied to me over the phone this one time. After this revelation, Citi apologized for the issue and stated that the charge would be removed in 7-10 days. I followed up on XX/XX/XXXX and XX/XX/XXXX to inquire as to the status. 

During the XX/XX/XXXX call Citi to report this to the FTC which brought me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to incorrectly report a closed installment loan account originally with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) with a payment status of " Not More Than XXXX Payments Past Due. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " Not More Than XXXX Payments Past Due. '' I am fairly certain that this CLOSED XXXX XXXX XXXX account is being reported as " delinquent '' on my Equifax credit report and significantly impacting my credit score in highly negative fashion. I understand that Equifax is reporting the XXXX XXXX XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon paying for my vehicle at lease end a payment was taken from my bank account that was not due. 45 days after the payment was taken from my account I received a notice from XXXX XXXX stating that I am currently delinquent on the account and that I have been 30 days late. 

I called Toyota to let them know and they stated that I will have make a request in writing and that it may take 90 days to correct the discrepancy.
Product: Debt collection

On XX/XX/21 also on XX/XX/21 i sent validation letters to this company demanding validation of this debt, this company has refused repeatedly to follow FCRA rules/law in my attempts to verify and validate this debt and now has illegally posted this dept on my credit profile which is now severely impacting my credit.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts 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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Payday loan, title loan, or personal loan

I have a personal line of credit that is paid off in full and now has a {$0.00} balance. I accidentally made an additional payment ( an overpayment ) which Truist Bank deposited and I want my money refunded. It has been close to 5 weeks now and I can not get them to refund the money which they deposited ( I have a copy of the cleared check with the Truist stamp on the back ) and are still holding. This is my money. I have spoken with at least 5 different people on the phone to no avail and even sent a written letter as requested with all of the information and copies of bank statements and the cleared check and no response. I am working with a banker at a local Truist branch who is trying to help me. She was told they see the check but they wont let her issue me a check for the refund due to some technicality on their end. I have been more than patient but at this point it is clearly theft. They deposited my check and are holding my money but refuse to return it to me. I need help please.
Product: Money transfer, virtual currency, or money service

Here is my message to Coinbase ( COIN ) on my fraud/scam complaint : My Coinbase Cryptocurrency account ( COIN ) was hacked and used without authorization on XX/XX/XXXX and compromised my checking account registered through my account. The hacker made 20+ transactions/crypto-currency purchases through my checking account. Since then, I have locked my personal checking account with my banking institution, stopped two unauthorized large payments to Coinbase and eliminated my checking account since it was compromised. I have reached out to Coinbase phone customer support several times on the matter and now I am told that they must collect any outstanding payments from my account which in total is {$5200.00}. Before the hack on XX/XX/XXXX, my account balance was about {$420.00}. As of this writing, with my account locked, my new balance is at : {$3400.00}. With that said, I understand I should pay Coinbase back since it was from " dirty '' transactions by the hacker. But additional transactions where made tot total out at {$5200.00}, and according to Coinbase, with a difference of me owing {$1800.00} to them. 

With that said, I was the victim fraudulent activity and feel that I should not owe any more than was withdrawn from my personal checking account ( XXXX ) at the time to pay back in reversal to Coinbase. I would be glad to pay back what is owed in the amount of {$340000.00} - {$420.00} ( my last legitimate balance prior to unauthorized purchases ) = {$2900.00} in cryptocurrency I would pay back from my account to Coinbase. 

I was the victim of this account hack and now being penalized for an online criminal act was beyond my control. I now feel because of the distress and hardship I have been dealing with over the past few days of recovery, I am being victimized again by having to completely drain my Coinbase Account Balance in addition to {$1800.00} that I can not pay back. 

Therefore, I kindly ask that Coinbase credit me my original balance of {$420.00} ( balance before hack ) after auto-withdrawing and paying Coinbase back the approximate {$3000.00} difference in which I have no issues with.

If Coinbase can not come to a resolution in waiving the additional outstanding payback balance of around {$1800.00} + restore {$420.00} in account balance that Coinbase claims is owed by me, I may escalate the matter and seek legal action. 

Sincerely, XXXX XXXX x Coinbase is holding firm to their demand that I, as a victim of fraud, am solely responsible to pay-off all cryptocurrency transactions that were made by a hacker that was unauthorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue many times with XXXX XXXX XXXX but it never worked out. 

XXXX XXXX XXXX has done erroreneous reporting for two Hard inquiries dated XXXX XX/XX/2017 to issue credit card. 

I had applied for credit card on XXXX XX/XX/2017, only once and that was in-person in the branch and it was immediately approved by the branch manager XXXX. 

XXXX  XXXX XXXX has pulled my credit score twice without my permission or it has erroreneously reported two hard inquiries. 

However if XXXX XXXX XXXX has my second application on the same day, kindly provide me papers of my second application papers as an evidence. 

Else remove the wrong hard inquiries from my profile.
Product: Debt collection

Letter dated XX/XX/2019 from Midland Credit Management, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX Attn : XXXX XXXX, Consumer Support Services The letter dated on XX/XX/2019 indicated that Midland Credit Management , Inc., ( MCM ) was sold the debt from XXXX XXXX, and would be collecting {$3600.00} on a so-called account that ended in XXXX addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX WI XXXX. 

Following this letter, I received repeated phone calls from so-called representatives of MGM wanting to collect on this amount. I informed them that the account ending in XXXX was not a legitimate account associated with my name, and that there simply was no account or credit card number that I had ever possessed that ended in XXXX. I had requested multiple times for MCM to send documentation to prove that this account was associated to me, authorized by me, etc., and what this so-called debt consisted of pertaining to whatever items, dates of purchase, etc. 

Despite these repeated requests, nothing was ever provided, and on one call with an account supervisor who inquired if I had been in Texas during the past two years, and finding out that I wasn't, he said it certainly appeared to be a part of fraudulent claims, and that he would clear up this matter on his end and send written confirmation that I was no longer liable for any of the so-called stated charges. 

Following my documentation and sending MCM a letter to this effect, they said that they would review, but after a short period of time, sent a letter requesting that I submit to them a copy of a police report, notarized fraud affidavit, or a completed FTC fraud affidavit. The problem is, there is no evidence of identity theft or fraud that they provided, as no billing was ever sent and received by me regarding this amount, nor did I ever have an authorized account that ended in XXXX, so how could a claim be filed, except against MCM for attempting to collect on a debt not associated with me. Further, on XX/XX/2019, MCM sent a copy of a letter dated XX/XX/2019 from XXXX XXXX  showing that the XXXX XXXX in question resided at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, and the letter to this XXXX XXXX was to inform him that this account was sold to MCM on XX/XX/2019, and that this XXXX XXXX should contact MCM at a XXXX XXXX address and phone number. 

This obviously relates to another individual that may have the same first and last name. How this all then got referenced to me, who resides in XXXX XXXX, WI is such a flagrant and obvious notification that this does NOT pertain to me. What has MCM done ... contact every XXXX XXXX in the nation attempting collect for the XXXX XXXX that resided in XXXX, TX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my car in on XX/XX/2020 for a new car but my credit report is still reflecting a balance on my credit report.I reached out to XXXX multiple times and they keep hanging the phone on me.I show multiple accounts 0n my credit report which is hurting my credit score.I am asking for them to update my report paid in full.
Product: Credit card

I have repeatedly requested my billing statement prior to the due date to no avail. Apple Card is refusing to send me paper billing statements each month 21 days prior to the due date. I was told I was automatically enrolled in paperless and I do not wish to have paperless statements as I do not have access to internet and can not see my billing statements. I have repeatedly requested a paper statement and have been repeatedly denied. I can not make payment without the paper billing statement and this has caused my account to become delinquent causing fees to be charged and late payment being reported to my credit file. I have spoken to many people at XXXX all have said they can not take me off paperless inspite of me stating I have no access to internet. I reminded them of the TILA act particularly Regulation Z and the E Sign act. I have requested my account be removed from the electronic statement system and was told thats not possible I have requested my paper billing statement 21 days prior to due date and was told thats not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another attempt to notify the Credit Bureaus regarding the fraudulent activities I have noticed on my Credit File. I dispute certain accounts in my file that are a result of this crime. My personal information was exposed in the XXXX data breach. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the fraud. These accounts are unknown to me. Also, the information that some other Credit Bureaus provided on some accounts is DELETED compared to others and I have doubts about the accuracy and the reported payment history on some accounts is a mystery to me. I need the following accounts removed from my Credit File that were opened due to fraud : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}. As much as I greatly appreciate the removal of some of the previously disputed fraudulent accounts, I am going to ask once more to remove the remaining accounts that were left for they too were results of the fraudulent activities. If the Credit Bureaus can prove that the disputed items belong to me by providing any legal documents bearing my signature. If the Credit Bureaus are unable to do so, I expect nothing but the deletion of the disputed items.