23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I tried to open an account and the bank manager XXXX XXXX told me my passport wouldn't be accepted because it wasn't signed but she was looking at my Immigrant VISA which is acceptable ID to work, and then when we showed her the biometrics page of the passport which is signed she still denied it. She was rude and told them to leave. 

She was determined to deny an account to an XXXX XXXX. She started saying things about fraud and wouldn't allow my companion help answer her questions although it was difficult for me to understand what she was asking. XXXX is not my first language! 

My wife was XXXXXXXX the phone and she refused to speak to her and told me to call their call center. She did and their operations management was called and they verified a XXXX  passport with a SSN was sufficient ID. Another branch told my XXXX wife a XXXX passport and SSN was sufficient ID. 

That particular branch two weeks ago told us the passport was sufficient with my SSN and when I returned with the SS card this is what happened.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, NY Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for the help Sincerely XXXX XXXX
Product: Credit card

I sent a certified letter dated XX/XX/XXXX, requesting verification of debt, for my XXXX son, per the Fair Debt Collection Practices Act. A copy of my Power-of-Attorney was enclosed. They received the certified letter on XX/XX/XXXX. They have not responded to the request. I do not believe this debt to be legitimate. I have also sent a dispute to the XXXX major credit reporting bureaus. They have stated that they believe the debt to be his and have not removed the debt from his credit report. I have since talked with XXXX further, in regards to this debt, he stated that he did receive a call from them one day stating that he had to be on the debt. Due to his XXXX, he felt pressured and unsure of how to handle the call. This call was made XX/XX/XXXX, after they received the request for verification of debt, a copy of my Power-of-Attorney, and my contact information. They have never sent him anything to sign or any disclosures in regards to the debt. The debt had already been incurred at the time in which they had contacted him, as it originated XX/XX/XXXX.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I worked with a company to install a patio on my home at the time and the builder secured the financing for me. After, the work was completed a representative from the builder had me sign paper work verifying it was complete and contract for the financing. The paper work was very general to a normal installment loan. This was XX/XX/XXXX. I sold the home in XX/XX/XXXX paid the loan off in XX/XX/XXXX. There wasn't a lien on the property at the time the home was sold. 

I'm currently trying to close on a new home purchase with FHA financing and have learned that this account has been reporting a mortgage type account. The financing paper work doesn't say anything as a mortgage type account. This was never explained to me at any time by the financing company. This was also completely new to the builder as well. I didn't receive any disclosures stating this was a mortgage type account. The loan on the paper work shows a Home Improvement Installment loan. I was under impression that this loan was just a traditional installment loan that was secured by the materials used to build the patio. Again, for years there wasn't a lien on my property. Because of the way this loan is reporting to the credit bureau my mortgage lender can't get approval for me loan. I literally ready to close and this has delayed the process. Everything including the appraisal and title work has been completed. 

I have contacted both the creditor and filed disputes with the credit bureaus. I haven't had any success with getting the account to changed to something other than a mortgage type account. The financing company has provided a letter to state that it's not a mortgage account, but has not changed it with the credit bureaus. The lender needs it changed with the credit bureaus. The financing company is blaming it on the tri-merger report, but it clearly shows as a mortgage account directly with the credit bureaus. 

The financing company is stating that they're reporting correctly, but this it's the case and that's why they gave the letter. The company mentioned the Fair Credit Reporting Act, but failed to explain everything to me as the consumer. I think the financing company failed to inform me and the builder at to how this financing is setup. 

Thank you
Product: Debt collection

Hello CCS Credit Collections XXXX XXXX XXXX ; I am writing to dispute an alleged debt reported by your company, as this account does not belong to me. I have never had any relationship or agreement with CCS Credit Collections or XXXX XXXX, and I believe this account has been reported fraudulently. 

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter, I am requesting the following documentation : Proof of your authorization under 15 USC 1692e and 1692f to collect this debt.

The legal basis for attempting to collect this debt. 
Proof of your authorization to operate in my state. 
Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
A full account history, including any charges and fees associated with this account. 
Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I therefore demand the immediate removal of this fraudulent account from my credit report and prompt resolution of this matter. Under the provisions of the FCRA and FDCPA, I request that this item be deleted from all three major credit bureaus ( XXXX, XXXX, and XXXX ) as soon as possible. 

In a good faith effort to resolve this matter amicably, I expect full documentation of the alleged debt, specifically any contract or document bearing my signature and evidence of your authority in this case. Absent such proof, I demand the immediate deletion of any erroneous reports related to this account from my credit profile. 

Thank you for your immediate attention to this serious matter. I expect a response within XXXX days to confirm compliance with the applicable laws.
Product: Money transfer, virtual currency, or money service

I had unauthorized activity in my Coinbase account resulting in XXXX transactions : XXXX Buy XXXX XXXX USD XXXX XXXX XXXX XXXX Bought XXXX XXXX for {$400.00} USD XXXX Buy XXXX XXXX USD XXXX XXXX XXXX XXXX Bought XXXX XXXX for {$150.00} USD XXXX Sell XXXX XXXX USD XXXX XXXX XXXX XXXX Sold XXXX XXXX for {$520.00} USD I did not authorize these transactions. I never received a text message to authorize them. I never received emails confirming these transactions. Furthermore, my account was locked on XX/XX/XXXX and XXXX with no access to make any transactions. 

Coinbase has failed to protect my account from hackers and inform me of the ongoing unauthorized activity in my acount. 

I would kindly request to return {$550.00} in cash stolen from my Coinbase account. 

I have not received any meaningful resolution while speaking with the customer service.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX, Acct : XXXX {$1700.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Numbered Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Address Inaccurate )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX XXXX. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX  : {$790.00} ; XXXX XXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX XXXX {$6700.00} ; XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX XXXX : {$680.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX. This account have resulted in several fraudulent Late payment appearing on my consumer FICO credit report. I do not recognize the aforementioned account, late payment as reported. The aforementioned account, Late payment appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, Late payment are the result of identity theft and fraud. I have a ached a copy of FTC Iden ty The Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the late payment is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681XXXX - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

I sent letters out XXXX XXXX
Product: Debt collection

Debt is damages from an apartment complex we lived at for XXXXXXXX XXXX. Apartment charged us for full replacement without reducing for depreciation and charged for things that are illegal to charge for. I communicated the law to them with links to the government sites that stated what they could charge for and that certain items had to be depreciated. I asked for receipts for the repairs they billed us for and they refused. They told me my only options were to pay, setup a payment plan, or they would send me to collections. I continued to dispute the amount with them and they responded by sending me to collections and refusing to communicate any further with me. I sent a letter disputing the debt to IQ Data Corporation ( the debt collector ) which they acknowledged receiving and said they would get a judgement against me for the debt. It has been over a year since they communicated that and nothing has happened while my credit has continued to be damaged by the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # UNIT XXXX XXXX, NC XXXX XXXX : XXXX XXXX DOB : XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX, CA XXXX Not my address XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, NC XXXX Not my address * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You,
Product: Debt collection

New American Funding has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been paid by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A & B ) New American Funding has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim. ( Exhibit A ) New American Funding has violated 15 U.S. Code 1892b ( 2 ) by trying to collect an alleged debt from me outside of my state. ( Exhibit A & B ) New American Funding has violated 15 U.S. Code 1692f ( 8 ) by allowing their logo to appear outside the envelope which violates my privacy so that everyone can assume I owe something when I don't. ( Exhibit C ) New American Funding has violated 15 U.S. Code 1681b ( a ) ( 2 ) by furnishing this information without my written consent to credit reporting agencies. ( Exhibit D )
Product: Debt collection

Dear Transworld System Inc, I am writing to formally notify you, under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), that I am requesting that you immediately cease all communications with me regarding the alleged debt referenced in your previous correspondence. 

As provided by 15 USC 1692c ( c ), I am exercising my right to request that you cease further contact with me in regard to this matter. Specifically, I request that you refrain from making any further telephone calls, letters, or other forms of communication with me, whether directly or through any third party, regarding this debt.

Please be advised that continued contact after this request may be deemed a violation of the FDCPA and could subject your agency to legal action.

Furthermore, I request that any future communication be limited strictly to written correspondence sent to my address listed above, and only if required by law. 

If you continue to contact me after this notice, I will take further legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

I am writing to dispute an entry on my credit report. The entry in question is GM Financial, I believe this entry is inaccurate because account was listed as a charge off. Also, the entry is listed a profit loss and write off. No 1099 C was provided, In accordance with the Fair Credit Reporting Act, I am requesting an investigation into this matter.

Please investigate this matter and correct my credit report as necessary. I request that you respond to me in writing with the results of your investigation.

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I have no acct w/ cap one yet they have been calling me 2-3 x's/day for over a month. I answer they hang up SO I called 6 seperate times to remove me number yet they still call. I am on limited plan & was overcharged, I'm sorry I'm broke & XXXX & haVing to pay an extra {$20.00} may not seem like much but to me I struggle with Nicole 's & dimes. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my identity has been compromised years and months ago, i discovered accounts reporting on my credit file inwhich i have absolutely any knowledge of and if you can not provide me with any physical documentation then I'm I'm demanding that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX
Product: Mortgage

The attached information constitutes a formal complaint against  XXXX  mortgagees and/ or service lenders ( collectively referred to as mortgagees ) who have successively ( mis- ) handled my loan :  1 )    XXXX   XXXX    ; 2 )   XXXX  ; and  3 ) Fay Servicing.      I believe that these mortgagees have conspired to defraud me, the consumer, from federal initiatives and the protections of federal guidelines. Further, it is my belief that the mortgagees have misrepresented terms of my loan and rights to which I am entitled ; failed to process my requests for modification, other documents, and qualified written requests in a timely manner ; intentionally complicated matters for the purpose of confusing the consumer and thus denying available assistance ; transferring the loan from a    XXXX   XXXX   servicer to non-  XXXX   XXXX , thus indisputably and unlawfully altering the terms of the mortgage ; failed to fully apprise the consumer of available options, specifically modifications for which I was eligible ; altered the terms of the modification after the completion of the contracted trial period payments, at significant cost to the consumer ; reported deficiencies to credit bureaus despite on-time payments in full ; notified via certified mail my former spouse, whose name was never on the loan, in violation of privacy protections ; negatively impacted my eligibility for  XXXX  funds, in large part due to the failure to process documents in a timely manner ; used abusive, harassing and coercive tactics in attempts to intimidate me into surrendering my rights and paying excessive monies, further compounding the   XXXX   XXXX   that was created by the referenced failures of and abuses by the mortgagees ; refused to provide reasonable accommodations for documented  XXXX , and discriminated on the basis of said  XXXX  ; and other actions by the mortgagees.   The details of the complaint and supporting documentation are attached.