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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 
XXXX XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I have {$9700.00} on deposit with Coinbase, the digital currency platform, headquartered in California and licensed as a money transmitter in my state of residence ( Oregon ). I funded the account via same day USD wire transfer from my personal checking account over 6 weeks ago. Despite previously executing various trades successfully, Coinbase is restricting the use or withdraw of my funds due to an automated ID verification issue with their platform. My ID was previously verified successfully and I have several support tickets open dating back to XX/XX/XXXX to address this issue, however I have not received a single response to these tickets. Phone and email support are disable for my issue, and despite every effort to contact the company, they are stonewalling me and holding my funds hostage. It seems there are many other depositors suffering the same abusive/fraudulent practices of Coinbase and based on my research there has been zero accountability. Conveniently, they have no issues accepting deposits, but a long list of complaints and issues relating to withdraws, account closures, and any other form of depositors claiming their funds. I really need my money back as this is taking a financial toll on me, it would be greatly appreciated if the CFPB could contact Coinbase on my behalf to demand the expedient return of my funds. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments are due on XXXX of every month. that's the due date. 
In XXXX payment was due on the XXXX of the month, as such I mad a payment in XXXX on the XXXX. 

since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. BMW was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day 30 and such was not over yet so technically the 30th day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, XXXX XXXX XXXX On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.
Product: Mortgage

New American Funding Mortgage Lemder Falsely reported foreclosure now its on my credit report resulting into damage to credit history and/or score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my XXXX credit report for review and noticed an item from Southwest Recovery Services on behalf of an XXXX XXXX XXXX. I contacted the company today, XX/XX/XXXX and spoke with a XXXX. She informed me that the item was for an internet loan from XX/XX/XXXX. I informed her that I did not have any knowledge of an internet loan and that I am also unable to apply for internet loans as I live in the State of Arkansas and those loans are not approved. Additionally, I informed her that they are not to attempt to collect on internet or payday loans in Arkansas. The item is adversely affecting my credit score and I requested that it be removed. XXXX XXXX stated she hears that all the time and until I pay it will remain. Additionally, it is listed as a " rental/leasing '' item which is also incorrect. All information for the account as well as the account are incorrect/fraud. I informed her I would be contact the CFPB, Better Business Bureau, the Arkansas State Attorney General 's Office as well as seek possible civil litigation as a recourse of action.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXs reporting to Experian Credit Bureau that I am deceased. It is effecting my credit score and ability to apply for a credit card and loan. They told me I had to send a letter from social security stating I am not deceased. I mailed and faxed this to premier bank on XX/XX/XXXX. They still have not changed this information.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unresolved issues surrounding the credit accounts held by XXXX XXXX and XXXX XXXX. Despite numerous attempts to resolve these matters, I have yet to receive adequate proof of debt validation or documentation outlining the transfer of alleged accounts from XXXX XXXX to XXXX XXXX. First and foremost, I demand to see the purchase agreement that demonstrates XXXX XXXX transfer or sale of alleged debt to XXXXXXXX XXXX as well as the original contract between myself and XXXX XXXXXXXX, including any signatures authorizing the service. It is imperative that I receive full transparency regarding the handling of my account. Furthermore, I have evidence of XXXX XXXX removing an account with a balance of {$860.00} from XXXX and Experian, indicating a lack of validity in their claim against me. This action will be utilized in support of my claim against XXXX XXXX, alongside the failure of your compliance manager, XXXX, to provide adequate documentation as required by the FCRA law. Merely sending statements does not constitute proper debt validation. Additionally, I must emphasize that I was never notified of being in collections, and therefore require thorough documentation to substantiate this claim. I demand to see the debt validation paperwork as mandated by law. This letter serves as a final opportunity for XXXX XXXX and XXXX XXXX to rectify these issues by promptly removing all XXXX XXXX collection accounts from my consumer report. Failure to do so will leave me no choice but to pursue further legal action to protect my rights as a consumer. I expect a timely response and the resolution of these matters without further delay. Furthermore, I want to emphasize that this situation is a clear violation of 15 U.S. Code 1681a, which explicitly excludes transaction history and experiences from consumer reports. The inclusion of unauthorized information, such as the account from XXXX XXXX, on my consumer report constitutes unfair and deceptive business practices. This places XXXX in jeopardy as they allowed this information to be furnished. I am giving XXXX XXXXXXXX, XXXX XXXX and XXXX a strict deadline of 15 days to remove all XXXX XXXX collection accounts from my consumer report. Failure to do so will result in a charge of {$1000.00} per day for each day that unauthorized information remains on my consumer report. If accounts are not remove I will be Filing a identity theft report on XXXX, XXXXXXXX XXXX  and XXXXXXXX XXXX and report companies to the ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 AN FRAUDULENT LOAN WAS OPENED WITH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HAS THE ACCOUNT WHICH HAS REINSERTED XXXX XXXX ON MY EXPERIAN CONSUMER REPORT THIS ACCOUNT IS NOT MY ACCOUNT I DID NOT PROVIDE WRITTEN PERMISSION ATTACHED IS A LETTER FROM XXXX XXXX XXXX XXXX REGARDING THE REQUEST TO CLOSE THE ACCOUNT AND IT TO BE DELETED FROM MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and have been running around in circles with Equifax. They won't remove the fraudulent hard inquiries on my credit reports despite my efforts to send the documents they required of me. I have sent my FTC complaint, ID, and proof of address to confirm my identity. They require me to send my SS cards which I told them I have lost. Here 's my SSN if you need it : XXXX. 

Kindly remove the following fraudulent inquiries ASAP : 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: Debt collection

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in a loss of credit rating. Also, they failed to provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Product: Debt collection

Repeatedly and incessant phone calls to my cell phone, EVEN after I have called them and told them it is not my bill but it is my NEW phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agencies did not remove item off my credit report that another agency removed. By law XXXX should have reported the deletion of items to other credit agencies. 
XXXX removed items but experian and XXXX kept items on my credit report.Experian and XXXX did not complete a timely or thorough investigation.
Product: Debt collection

Date : XX/XX/year> Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX Collection Agency Name RADIUS GLOBAL Collection Agency Address XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX XXXX  credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Mortgage

Our City tax has always been less than {$800.00} and County tax around XXXX. 

We got an escrow statement from the mortgage company stating XXXX is our city tax and county tax is also XXXX. Note : The 2 amounts are exactly the same, clearly indicating that there has been a mistake on their side. They have increased our mortgage payment by {$1200.00} per month. When we call them ask them. They want us to prove what our taxes are ( The mortgage company receives the bills directly ). They are being very uncooperative and unhelpful and not willing to rectify the mistake they made.
Product: Checking or savings account

comerica bank has stolen XXXX $ from me for the transaction by the franchise XXXX XXXX ( XXXX ). XXXX charged XXXX $ on XXXX, XXXX, 2023 under the merchant name XXXX XXXX XXXX  ( and not under franchise tax board, which is illegal by XXXX and comerica bank both are manipulating bank statement records ) and also the total amount charged that shows up on the statement is {$1500.00}, which included {$100.00} processing fee by the comerica bank. comerica bank should have done a separate transaction for {$100.00} debit fees and did not do that and obviously manipulated my bank statement records too. And XXXX gave me the credit for XXXX $ but comerica bank is not giving the credit for {$100.00}. Mistake was done by the franchise tax board, they told me, they could not find my tax return, and when I called in, they found it and reversed the charge. This is not my fault. comerica bank should go after XXXX, and not me. Comerica was already stealing money out of my account in the amount of {$1400.00} for the XXXX. And now is charging me XXXX $ too. And on top of that comerica manipulated bank statement so that XXXX $ won't show up as a separate transaction on the bank statement. {$100.00} charge is added to XXXX charge of {$1400.00}. This is bank fraud. For example, if I make a charge of XXXX $ at XXXX XXXX Restaurant, that does not mean comerica can charge me XXXX $ for the dispute and make it {$30.00} charge to me and not show it separately on my statement. This is total manipulation of the legal system. I have spent a lot time talking to comerica employees, and comerica should pay me XXXX $ extra in addition to the XXXX $ for all the time and trouble that comerica has caused me. And also straighten out the bank statement that will show a charge of XXXX $ as a separate transaction. 
Just for the record XXXX reversed the {$1400.00} charge on XX/XX/2023. 
Moreover, I did not owe {$1400.00} to XXXX, why comerica bank was stealing money out of my account for XXXX, comerica bank should pay the XXXX $ charge and pay me extra $ XXXX for my time and troubles. 
Moreover, if any one made a claim of discrimination, they need to prove their claim of discrimination, because my father is XXXX, my mother is white, I look brown, and I am originally from XXXX, which is an XXXX  country.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  could not verify my identity when asked, very vague questions regarding my credit history ( which dates back to the XX/XX/1970 's ) they asked what my monthly payment was when I named my credit card bank. My answer ; I pay it off monthly it varies. He kept repeatedly asking, in broken english, what my monthly payment was? That was after he ( XXXX ) quizzed me on my SS # my address, Birthdate and various other personal information. I was only calling to inquire if my credit was still frozen, as I believed it should be. I have frozen my credit for years, however the thaw process has changed. They would not answer based on my responses. Now I am to send a copy of my SS Card, Drivers license, utility bill etc. No, I don't want to blindly send or fax those documents particularly given the XXXX Breach. How do I determine if XXXX still has my credit frozen per my instructions from previous dates.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX FL XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX : {$69.00}, XXXX XXXX XXXX XXXX XXXX : {$5000.00} COLLECTION ( Original Creditor : COLLECTION ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received notice via email that my Chime Bank Account was suspended due to an " unknown deposit ''. Chime asked me for a copy of my drivers license, proof of residency, and an explanation of the deposit. The " unknown deposit '' was my husbands paycheck which has been getting deposited into my bank account every two weeks since XX/XX/2020. I received a response that my bank account would be reinstated after they investigated within 48 hours. It has been SEVEN DAYS now and I have received no reinstatement and no access to my funds ( over {$5000.00} in checking and savings ). I spoke to someone on XX/XX/XXXX and they assured me that my case was escalated and the Suspensions team would get back to me within 48 hours. On XX/XX/XXXX, I received and email requesting my ID, proof of residency, and any evidence. I called Chime that morning because I had already done this on XX/XX/XXXX. I was told they would escalate my case and that it had not been escalated on XX/XX/XXXX like I was told. On Monday, XX/XX/XXXX, with no access to my money to buy my children food, I called Chime once again. I was told that my case was never escalated and the Suspensions team had never even seen my emails. I was then transferred to a supervisor, XXXX, who told me my case would now be escalated. I asked to close my account and was told I could not until I had my suspension lifted. I asked if I could speak to the suspensions department and was told they only email. 7 Days later, I have no access to ANY of my checking or savings, and NO RESPONSE FROM CHIME BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX  XXXX Balance : {$2.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Source Receivables XXXX XXXX XXXX  ) Account # XXXX and XXXX  account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months back I submitted a complete XXXX fraud affidavit and Police Report combined to Trans Union to remove accounts and addresses and inquiries related to my identity being used fraudulently. They agreed to remove all the information. What they did not tell me was that they also own a third party consumer reporting agency which provides third party consumer credit risk reporting from Trans Union and that company is called Trans Union XXXX XXXX. 
I recently applied for a credit account through my credit XXXX which is XXXX XXXX XXXX XXXX. This report was used against me and contains collection accounts, addresses etc that had been reported and it is directly related to all my identity theft issues. I spoke to my credit union who received a XXXX score of XXXX through the XXXX XXXX report owned by Trans Union. 
I also called Trans Union and not a single individual can tell me how to order this consumer report used against me to decline me credit. My current XXXX score with Trans Union is XXXX substantially higher than their other version. 
They even have a business website about Trans Union XXXX XXXX but no access for consumers to ask for a copy of their consumer report its only for lending institutions. Ive contacted them as well and they refuse to contact me back since Im only a consumer. 
I need access to this evasive report to identify and fix this report to correct it due to my identity theft.