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

The accounts, addresses, and inquiries was open without my permission. I have contacted XXXX XXXX and transunion about this fraud issue but not resolved despite my federal trade commission affidavit and police report submitted Accounts XXXX XXXX XXXX, XX/XX/XXXX, {$15000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$510.00} XXXX XXXX XXXXXX/XX/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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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, credit repair services, or other personal consumer reports

Factual data attempted a hard inquiry on all three of my credit reports. Fortunately, I have a freeze on my accounts. I am attempting to find out who the mortgage lender is that asked factual data to run my credit, since they provide this service to mortgage lenders. I have not applied for credit in nearly two years except for a refinance back in XX/XX/2022. I took the freeze off my account just long enough for XXXX XXXX  to approve my loan and I quickly put the freeze back. I would like to know the name of the lender that fraudulently engaged Factual Data. From there I would like to know if there is an individual attempting to steal my identity.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXXXXXX XXXX  handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

During my flight on XX/XX/2018, XXXX XXXX was offering XXXX XXXX   Barclay credit card and I signed up them because it appeared to be a great offer. When I received the card I completed the steps to activate the credit card and I thought that the mileages will be issued automatically. Soon after in one of the promotion emails they sort of offered to reward about 20,000-30,000 miles just for making a {$20.00} purchase at a restaurant and they provided a list of restaurants. I don't eat out a lot, so I just overlooked the offer as a spam and went on with my life. 

At that time what was not clearly indicated was that the credit card as {$95.00} fee accrued upon activation and requires additional activation i.e. eating at a restaurant within a specific period to obtain the total reward of approximately 60,000 miles offered initially during the fight. This was in my view a very deceptive promotion, because they just made it look like the mileages were being offered just for signing up for the card with no strings attached. The only time that I knew that there was an issue is when my credit monitoring service indicated that there was an activity in my account. I immediately made the payment of {$95.00} to close the issue on XX/XX/2018. Then when planning my next trip in XX/XX/2018, I realized that I couldn't use my mileage because XXXX miles were not granted to me because I did not eat at a restaurant ( make a purchase ) to activate. Furthermore, the credit card was not activated ( as they say ) due to security issue. Then I learned that by that they meant I did not set a 4-digit security code and the credit card was suspended because of that soon after I received the card. 

I talked to them at length in XX/XX/2018 ( multiple lengthy calls ) explaining what had happened as outlined above, but they keep transferring me from on department to the other to explain the issue all over again. I have talked to XXXX XXXX, XXXX, and Barclay at length. Finally, I learned that the issue was with Barclay.  Even after asking them to close the credit card because I did not appreciate their misleading promotion, they promised that they'll have someone review the case and see if they can grant me the XXXX miles because of the security hold on their part, which I was not aware of in addition to {$95.00} fee and requirement to purchase to activate card. 

I just received a letter from Barclay stating they are unable to assist with the reward issues. 

In addition to their misleading promotion, they were quick to put damage on my credit score but slow to report resolution. My credit score went from about 850 to XXXX just because of the {$95.00} fee. When I last checked my credit score it also shows that the dept is still open.
Product: Money transfer, virtual currency, or money service

Transferred {$25.00} from XXXX XXXX to Coinbase. My XXXX XXXX account was charged on XXXX XXXX, 2018. Balance should be available within 3-5 days. However it is not available and says still pending. Coinbase has not responded other than saying transfers take time.
Product: Credit reporting or other personal consumer reports

These accounts are not mine. I need these accounts removed from my credit report immediately.
Product: Credit card

The account above is currently reporting on my credit report but I am only an authorized user. 

I would like to remove myself immediately.
Product: Credit reporting or other personal consumer reports

Wrong social security number, names, phones number. 

I disputed the account and per report number that was verified on XX/XX/XXXX, and XXXX XXXX Experian : Names are XXXX XXXX aslo known as XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported XX/XX/XXXX XXXX JPMCB XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX did not do this pulls with these company and I've tried to communicate this with them. JPMCB  said to do this and I want to add the other XXXX as well. If my account was open in XXXX, why did they do another pull in XXXX
Product: Student loan

Aidvantage nearly quadrupled my monthly payment with no explanation and will not respond to any communication to provide details or lower it back to its previous amount. Their customer support telephone line never allows me to actually talk to anyone and is just a system of automated responses.
Product: Student loan

I contacted fed loans in regards rehabilitate my student loans. I was informed that they transferred to department of education over 6 months ago. I contacted department of educate and they advised they do not have any record of the loans being transferred and that fed loans has my student loans. I contacted fed loans again and talked to a representative who advised me the loans were stuck in the system while being transferred and they do not have a timeframe for the transfer to be complete. I am trying to solve this matter but I am not able to due to fed loan and department of education not knowing where my loans are.
Product: Vehicle loan or lease

It has come to my attention that CHRYSLER CAPITAL/ XXXX XXXX did not disclose certain vital facts in regard to the consumer credit transaction. Pursuant to 15 usc 1605 ( a ) ( 5 ) the finance charge includes insurance in which I had to purchase, and it's in the sum of all charges. Also, under 15 usc 1635 ( a ) I the consumer was not informed or provided documentation of my right to rescind on the transaction. 

I was rushed into a car the day of purchase without any knowledge or documentation of the rescission paperwork, nor did I receive it in the mail. 
I had to pay for insurance out of pocket and insurance is supposed to be in the finance charge which is also the sum of all charges why am I being charged interest, late charges, Security interest, service and handling fees and also a service contract fee? ( See paperwork attached ) This is a VIOLATION of my rights its wrong unjust and it has caused me stress from all the letters and phone calls. I've even received a letter stating that CHRYSLER CAPITAL will accelerate the maturity of the outstanding debt Pursuant to 15 usc 1692c ( c ) ( 2 ) I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you CEASE AND DESIST any further communication ( by phone/mail ) including automatic phone call system you have calling my phone more than once or twice a day. Unless in response to notify demands have been met.

. Pursuant to 15 us 1635 I have the right to rescind this contract
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received an email from XXXX, from the loan company, XXXX. The email said : Hello, Thank you for your recent application for a loan through Upgrade. Unfortunately, your request could not be approved at this time. However, you may reapply in 30 days if you feel that your circumstances have changed. 
Click here for more information on why your application was not approved. 
Thank you, Upgrade Customer Support I did NOT apply for a loan. I clicked on the " Click Here '' link that took me to a page with a list of documents, all dated XX/XX/XXXX. In my name were the following documents : -Terms of Use Agreement -ESIGN Act Consent Agreement -Credit Profile Authorization Agreement -Upgrade Privacy Notice Agreement -Adverse Action Notice Upon seeing this, I became even more worried and called the company. The representative I spoke to said she saw " nothing in her system '' in my name and just not to worry about it. I asked, " How can you not see anything? I am on your website and see all of these documents in my name. '' They proceeded to search a different way ( my social security number, address, etc. ) and still " found nothing. '' They said for me to call the credit bureau about it, even though they said my credit was not looked at. ( How can a loan decision be made without looking at my credit? ) I requested to speak to their supervisor. The supervisor, XXXX, came to the phone and after our conversation of me explaining the situation, told me that she would escalate this and put it into an investigation. 

On XX/XX/XXXX, they responded in email to my concern, writing : " We have reviewed the details of your claim. According to our records, an application was submitted in your name. We have corrected our internal records and canceled the application in our system. No further action is required. '' So, they confirmed there WAS an application submitted in my name but told me nothing about how this has happened and how/if my social security number and personal information was compromised. Clearly if there is a loan application in my name, and I did not initiate it, there is fraud happening. I wrote back and stated their reply was not okay and asked, HOW was an application submitted in my name. 

On XX/XX/XXXX ( their email is dated XX/XX/XXXX ) they wrote again, responding, " We understand your concern regarding this matter. Unfortunately, we do not provide information on how we determine our findings to consumers. '' This is completely unacceptable to me. I need to know if my information has been compromised or not, if they have been negligent, and how they will resolve this and ensure of my consumer protection. Of further concern, I received an email last month stating the same thing about a loan being denied, but got sidetracked and did not follow up on the matter until I received a second loan denial this month. 

I have attached the emails and documents that are fraudently in my name.
Product: Debt collection

I recently used a Capital one Credit card to rent a car. Because I understood that money had to be in the account before a car could be rented ; I religiously added the appropriate funds and monitored my account. When the relationship was over, the charges were more than I had deposited ; although, Capital One posted and has continuously pursued me to pay an amount that does not include deductions of the deposits I made. Therefore ; I have no idea where $ XXXX-XXXX of monies I deposited to secure my interaction was distributed. And my credit is affected. Discussions with the Company produced no clear understanding and the amount of money displayed as owed " Only the Auto payments '' are shown as if this is the reason for my increased debt. My Limit is {$500.00} and I do not believe Capital One paid this ( {$910.00} ) without my deposits. Thus, I have concerns that the neglect will cost me more than what my limit is base on their actions and their huge request for payment. If so, I do not believe this is illegal, an unjust effort to secure money not owed.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Inaccurate or Unverifiable Information from Credit Report Dear Consumer Financial Protection Bureau, Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am writing to dispute certain inaccurate or unverifiable information on my credit report. Per 15 U.S.C. 1681i, consumer reporting agencies are required to investigate and promptly correct or remove any inaccurate, incomplete, or unverifiable information.

The following items on my credit report are incorrect and should be removed immediately Experience/Equifax/TransUnion
Product: Credit reporting or other personal consumer reports

I have three open credit cards with company. All have a XXXX balance and was never late. 
not all accounts are being reported and a XXXX balance is being reported on one. 
All credit agencies need to be updated with the correct information.
Product: Money transfer, virtual currency, or money service

The requested documents that coinbase requested from me were properly sent through their security link..they locked my account for 3 months..they have my money..probably the same with tens of thousands of their users..all the parameters they asked for were properly sent directly through their email demanding it..they should be punished as prescribed for this disgrace! my case number managed by coinbase is XXXX! please help
Product: Debt collection

Due to identity theft, I have asked for validation of the alleged debt you claim I owe. However, your provided statements and signatures lack proof of ownership, infringing on my consumer rights as defined by the Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 ( g ) " Failure to validate this alleged debt. '' I am withholding payment until proper validation is furnished. Kindly suspend all collection activities until valid debt validation is presented, in accordance with 15 USC 1692cI.

Should valid validation not be received within 30 days, I will deem the debt invalid, necessitating the account 's deletion and cessation of collection efforts. Moreover, your authority to collect on this debt, given its identity theft origins, is questionable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Delaware XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XX/XX/XXXX D.C. XXXX Subject : Complaint Regarding Incorrect Late Payments Reported on XX/XX/XXXXAccount Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate late payment information being reported on my credit profile. Specifically, late payments are showing for the XXXX XXXX XXXX account, with a late payment reported on my credit report for XX/XX/XXXX. 

I would like to clarify that I have never been late on this account, and as such, the reported late payment is inaccurate and unlawful. These late payments are negatively impacting my credit profile and do not reflect the true status of the account. The reported late payments violate my rights under the Fair Credit Billing Act, specifically 15 U.S.C. 1666 ( b ), which prohibits creditors from reporting inaccurate or misleading information regarding payments on an account.

As a result of these incorrect late payments, I have been unfairly harmed, and I am requesting that the CFPB assist in investigating this matter. The incorrect reporting of late payments is damaging my credit profile and needs to be rectified. 

I have already contacted the creditor, XXXX XXXX XXXX, directly to dispute these erroneous late payments, but as of today, no resolution has been provided. Therefore, I am seeking assistance from the CFPB to ensure that this error is corrected in accordance with federal law. 

Relevant Legal Provision : 15 U.S.C. 1666 ( b ) Fair Credit Billing Act : This section prohibits creditors from reporting incorrect or misleading information about payments and account status. The reporting of late payments on an account where no late payments occurred is a violation of this provision.

I respectfully request that the CFPB intervene and ensure that this inaccurate late payment information is removed from my credit profile and that my rights under the Fair Credit Billing Act are enforced. Please let me know if you require any additional documentation or information from me. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXXXX/XX/XXXXAccount Number XXXX
Product: Credit reporting or other personal consumer reports

XXXX shows no data on my credit report available, but report 90 days late in XX/XX/year>. Its also reporting XXXX late payments but reporting 90 days late payments. Everything I dispute this the credit bureaus are sending it back to me within 2 days saying they updated my report but its still reporting negative. I dont want this remodel my credit because its a old account I just want those late payments removed because its reflecting XXXX late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$430.00} XXXX   XXXX {$1000.00} XXXX, XXXX XXXX {$240.00} XXXX  XXXX {$740.00} XXXX/XXXX  XXXX {$460.00} DPT ED/XXXX XXXX {$450.00} DPT ED/XXXX XXXX {$21000.00} USDOE/XXXX  XXXX {$420.00}
Product: Debt collection

Dear CFPB, I am writing to you to bring to your attention a violation of the Fair Debt Collection Practices Act ( FDCPA ) by a debt collector. As per 15 USC 1692g, I have not received a proper validation notice from the debt collector. The notice provided to me fails to meet the requirements outlined in the FDCPA. 

When the debt collector first contacted me, they did not provide me with a validation notice as required by 15 USC 1692g. Instead, they simply demanded payment for an alleged debt. The letter I received from the debt collector only contained the amount of the alleged debt, the name and address of the creditor, and a statement that I had XXXX  days to dispute the debt, but it did not include a clear statement of my rights under the FDCPA nor the steps I need to take to dispute the debt. This is a violation of my rights under the FDCPA. 

I am requesting that you take immediate action to ensure that the debt collector is held accountable for their actions. I would like for them to be required to provide me with a valid validation notice and remove any negative credit reporting until they have done so. Additionally, I would like for them to pay any damages that have resulted from their actions. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this debt collector is calling me in excess of XXXX ( XXXX ) times a day from an computer assisted auto-dialer it looks like and it is very cumbersome
Product: Payday loan, title loan, or personal loan

I have paid too much interest, i have made about {$2000.00}. for a XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX ACIMA IS IN WILLFUL VIOLATION/ NEGLEGENCE AND NONCOMPLIANCE under its fiduciary duties as a FINANCIAL INSTITUTION under the Regulations of the CFPB and 12 CFR 1016.15 ( 1 ) -- 12 CFR 1016.7 -- 12 CFR 1016.10 -- - 12 CFR 1016.4 -- 15 USC 6802b ( B ) ( C ) -- 15 USC 6803 -- 15 USC 6804 -- 15 USC 6801. ACIMA has claimed they will not honor my direction to cease reporting and have referred to there alleged Privacy Policy giving them the authority despite their obvious failure to meet the requirements of a FINANCIAL INSTITUTION under these provisions. A printed copy of their Privacy Policy was printed and sent but the CFPB may view so here for further reference. https : //www.acima.com/privacypolicy