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

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 alleged identity theft, not later than XXXX business days 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 by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/XXXX XXXX before heading to work I opened the CB wallet through the CB app. Always did so was a habit I created to check prices and my assets. From there I would access my CB wallet. That morning I was doing by bi- monthly security check on the wallet. I signed pin and checked seed phrase and to see if update was needed. Everything was on point. I accidentally signed out for the first time in 4 months. I would just close app on my phone. I immediately went back to CB app to access my wallet and it was gone completely. Attempted recover on seed phrase I had just reconfirmed and led me to a XXXX balance, fresh wallet. I was shocked. 
I have XXXX of Btc in the wallet. I had plans of buying more. At this point I contacted CB support virtual assistant ( plural ) Multiple. I was originally told it was a bug. Then it moved to my seed phrase, again, which minutes earlier I had double-checked for moments like this. I eventually called CB phone number. Talked to XXXX and he opened the case with CB wallet Customer Serive Team. All of that info should be documented in the case. It ended once they told me the could see my CB.ID wallet and they sent me hyperlinks to my assets in the wallet. I looked at them and it is no where near my balance in my wallet. I said I'm going to leave a XXXX review and the case was closed within minutes. I wrote the review after. Please remember it went from it being a bug, to they can see my wallet, to try another wallet to see if I can get my balance on another wallet. That scared me because I knew that if I attempted and there was nothing. I had a bigger problem. I did with 1 wallet and nothing. I have to reiterate I had just visually seen my seed phrase. 
Finally, I was a sceptic of crypto already before joining. I chose COINBASE because it was centralized. Once my cased was closed I removed my remaining assets worried I wasnt going to receive proper assistance Customer service could be better and concern over customers investments should be essential. 
I have all receipts and screenshots of certain info giving to me in our emails. 
I like COINBASE and the wallet, but this has turned me off of crypto. If the issue can be resolve. I will happily take down or edit my reviews. 
One last thing. As important as the emphases on seed phrase is, to question people about it is not right. This was not a lost or new device, an accidental sign out and my seed phrase doesn't work. 
Please help me with my wallet. 
FYI -- 4 months in crypto. 1 CBwallet I have my recovery phrase written down in multiple places from when I first opened the wallet. A week before this I noticed some of my ( free minted ) XXXX 'S were missing as well. Which is why I purchased a hard wallet. 
Case # XXXX Case # XXXX Both closed no resolution. 
I've learned a lot from XXXX and dont feel so alone dealing with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint regarding fraudulent accounts that have been wrongfully placed on my credit report. These accounts were opened in my name following the widely publicized XXXX  data breach of your institution, resulting in the compromise of my personal information. These accounts were opened without my knowledge or consent, and the resulting damage to my credit and financial standing is unacceptable. 

This matter constitutes identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. You are legally required to act swiftly and decisively to resolve this issue. 

Fraudulent Accounts : DPT EDXXXX Account Number : XXXX, Balance : {$750.00} DPT EDXXXX Account Number : XXXX, Balance : {$270.00} DPT EDXXXX Account Number : XXXX, Balance : {$33000.00} DPT EDXXXX Account Number : XXXX, Balance : {$330.00} DPT EDXXXX Account Number : XXXX, Balance : {$400.00} These fraudulent accounts have caused unauthorized hard inquiries, adverse collection actions, and significant harm to my financial reputation. The damage is real, and the burden of these fraudulent activities is not mine to bear. The continued delay in addressing this issue is inexcusable. 

Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Furthermore, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. 

These laws are clear and non-negotiable. I expect immediate action to remove the fraudulent accounts, stop all collection activities, and provide written confirmation of such within the legal timeframe. 

Final Demand for Resolution I would like to remind you that this issue arises directly from your failure to adequately protect consumer data during the XXXX  breach. This is not merely an issue of fraud ; it is a consequence of gross negligence on your part, and you bear full responsibility for rectifying the situation. 

Failure to comply with the law and resolve this issue will result in severe consequences. This is a final demand for immediate and complete resolution of the matter. I expect confirmation in writing that : The fraudulent accounts have been removed and blocked from my credit report. 
All collection activities related to these accounts have been immediately ceased. 
Should you fail to take the necessary actions within the specified timeframe, I will have no choice but to escalate this issue through every available legal and regulatory channel, including but not limited to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. 

This is your final warning. I expect this matter to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately DEPTEDXXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX DEPTEDXXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The account type is different from XXXX XXXX XXXX has no account type- It's a violation because all three are not consistent -The date opened is different from Equifax- It's XXXX violation because all three are not consistent -The high credit is different from XXXX 's a violation because all three are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from XXXX- It's a violation because all three are not consistent -The comments XXXX are commenting different comments, and they are not in consistent- It's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXX 's a violation because all three are not consistent The 'date of last " payment XXXX different XXXX XXXX 's a violation because all three are not consistent -As far as the payment history is concerned, XXXX is not showing any payment history, XXXX is showing all Oks except for XX/XX/XXXX and XXXX XXXX and XX/XX/XXXX but XXXX company. This account shows that it was CO in XX/XX/XXXX since the account has repeatedly been updated as charged off every month. This an update in the payment history. A charged off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
Please see attachment for proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  Secured Credit card opened without my knowledge but appears on TransUnion credit report, carries a balance has been active > 90 days and is impacting my credit score. Have tried to contact customer support at both companies and they could not resolve issue. I do not see the card listed under my account details when I log in to my bank account. I believe this may be a technical issue
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX AND XXXX  EXPERIAN ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2018 sent a certified mail with a notarized letter asking to delete accounts containing inaccuarte information from the same source but different in each of the 3 bureaus and speciappy from Tranunion, .. The results of the investigation was update information clearly wrong in my credit report afecting my ability to access fimacial stabilization.. Aparently Transunion will not take the effort of extra iinformation sent ro them to double check the big errors in my credit report.

I ask to open their files to match with my records which they never sent me anu proof or document to match isntead I sent them a letter a copies of 3 bureaus indicating the inaccurate of the account in dispute.. Transunion is in clear violation of the FCRA by posting information inaccurate afecting my credit.
Product: Mortgage

I filed case No. XXXX with your agency against Mountain America Credit Union and their loan servicer XXXX. 

Today, XX/XX/2021 I went onto Mountain America 's website, signed into my account to make my mortgage payment and my access was removed, I was not allowed to make our payment. The message I received was " One Time Payment Your loan is not eligible for a One-Time Draft payment. Please contact the Customer Service Department at XXXX ( XXXX ) XXXX with any questions. '' I called XXXX, which directed to XXXX and spoke to XXXX in the Bankruptcy Department. XXXX stated because we filed bankruptcy they would not take our payments. I stated we were not behind on our payments, we had never paid late, and our mortgage was not listed as a debt to discharge. XXXX and Mountain America are refusing our payments to place us delinquent and trying to illegally force us into foreclosure. 

Talk about retaliation for our complaints against Mountain America Credit Union and XXXX refusing to remove the PMI from our loan in complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that there are multiple collection accounts listed on my credit report, from various creditors, which I firmly believe are inaccurate and incomplete. I will provide the relevant details below : Creditor Name : XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$860.00} Creditor Name : XXXX  XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$2000.00} Creditor Name : XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$1800.00} The inaccuracies in the reported amounts and dates of first delinquency have left me feeling vulnerable and powerless. I have always been diligent in managing my credit and financial responsibilities, and I deserve accurate and fair reporting as outlined in the Fair Credit Reporting Act ( FCRA ). 

I initiated disputes with the credit reporting agency on XX/XX/XXXX, firmly believing that my concerns would be addressed promptly. However, to my disappointment and dismay, there has been no response or acknowledgment of my dispute. This blatant disregard for my consumer rights, as protected by FCRA Section 611 ( a ) ( 2 ), has added to the frustration I am experiencing. 

As of today 's date, XX/XX/XXXX, I have yet to receive any written results of the investigation. The inaccurate collection accounts still remain on my credit report, which directly violates my right under FCRA Section 611 ( a ) ( 3 ) to have inaccurate or unverifiable information corrected or removed within a reasonable time frame.

Furthermore, my request for verification of the debts, as mandated by FDCPA Section 809 ( b ), has fallen on deaf ears. I have not received any response or verification from the original creditors, leaving me feeling disregarded and dismissed. 

Behind these collection accounts are not just numbers but a real person who strives to be financially responsible. The impact of these unjustified entries on my credit report goes beyond numbers ; it affects my ability to secure loans, housing, and employment opportunities. I feel my financial wellbeing and peace of mind are at stake. 

I am reaching out to the CFPB with this complaint, as I trust that you will take these violations seriously and conduct a thorough investigation into the accuracy and validity of these collection accounts. My hope is that you will intervene and ensure my rights as a consumer are upheld. 

Please communicate with me promptly, providing updates and information about the progress of the investigation. Your timely assistance will not only alleviate my concerns but also reaffirm my faith in the regulatory system that is in place to protect consumers like me. 

Thank you for your understanding, and I look forward to a resolution that restores the accuracy of my credit report and upholds the principles of fairness and consumer protection. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  account report on my XXXX  and equifax report that should not be there. The debt was paid a removed. Per my XXXX  report I see where the account was removed. But it is still listed on my equifax and XXXX  account. Below I will attach a copy of all 3 reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

My loan with Lending Club was paid in full in XX/XX/XXXX. I applied for an auto loan in XX/XX/XXXX and the dealership brought it to my attention that I had a negative account reflecting on my report. I reached out to Lending Club and was told that it was showing a {$0.00} balance on their end and they would take care of it so that it would correctly reflect on my credit report. I was told to give it 30 days and it should no longer report incorrectly. I pulled my credit report today and to my surprise, Lending Club is still negatively reporting on my credit report. At this time, this is truly hindering me.
Product: Mortgage

I left a review of what I felt was a true and accurate statement of the sequence of events that led me to dissatisfied with their service. The company then posts a reply ( retaliates ) on XXXX that shares my personal financial information about my DTI, the fact that I have a car debt and says that my review is dishonest.

My review : I hate writing bad reviews, but integrity means doing what you say you will do. This lender has given me concern about theirs. I was given a proposal in the middle of the day for 15 % down. All the details were provided on the property and income. I rushed to get the contract signed in order to lock in the rate because of the downward trend in rates of late. After submitting the contract, they found they made a calculation error on the ratios and removed a {$500.00} credit for 15 % down with evidence of mitigating factors. I pushed back and when they came back, they took away the 15 % option altogether and offered to only lock a 10 % or 20 % down. I asked, so you're taking the 15 % off the table? Naturally, the agent was embarrassed by what he was told and said he would call me back when he got it figured out. I again expressed my concern about rates and NOT waiting until the next business day. I was polite the whole time and after all that, he had the nerve to email me the bad news, saying that the 15 % option was off the table. He went dark and has been unavailable by email or phone. It's now almost XXXX ET and he still hasn't followed-up.

Their followup : Aurora Financial Loan Denied : Client wanted a 15 % down payment loan. His Debt to Income ratio was 48 %. DTIs must stay under 45 %. Client was advised 2 days ago to pay off a car loan and we could proceed at 10 % down. His DTI would be under 42 %. Client didn't like that option. Our Compliance Department has verified emails and phone records to prove client was fully engaged and was presented this option. This review is dishonest.