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

It has been drawn out into the open that Credit Bureaus 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 XXXX, Equifax, and XXXX 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. 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, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$910.00} XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One Being Sued and I had the XXXX interest account I want my funds returned too
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and discovered accounts and activity that was inaccurate and or unauthorized. I notified this company to make them aware of my status of identity theft as well as sent them a police report and they have not made the necessary deletions and updates to protect my name and credit status. I am a XXXX, retired XXXX XXXX veteran and I am trying to get and keep my credit worthy status back and intact.
Product: Money transfer, virtual currency, or money service

used the company plastiq to pull money from credit card in order to pay car payment. money was pulled, but never sent to car payment company
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Incorrect Information Due to Violations of the FCRA and CFPA Dear CFPB Representative, I am writing to you under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 and 5536 ) to formally dispute and demand the immediate removal of an incorrect negative account from my credit report. 

I have been a victim of unfair practices and demand the immediate removal of this negative account. 

Your company has committed multiple violations of federal law, as already recognized by the Consumer Financial Protection Bureau ( CFPB ). Due to these negligent and fraudulent practices, my credit history has been severely damaged, causing me financial and personal harm. 

As a result of these errors and failures in managing credit information, I demand the immediate removal of the negative account reported on my credit file. 
Violations Committed by Your Company 1. Failure to Conduct a Proper Investigation of My Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I submitted a dispute regarding incorrect information on my report, but your company failed to conduct a fair investigation or correct the errors.

2. Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) A negative account that was previously removed has reappeared on my report without justification or prior notification.

3. Inaccurate Reporting and Lack of Quality Controls ( 15 U.S.C. 1681e ( b ) ) Your company is required to maintain procedures to ensure the accuracy of credit reports. However, due to defective systems and verification failures, my credit history has been unfairly damaged. 
4. Deceptive Practices in Communication with Consumers ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) In response to my disputes, I have received contradictory and misleading information, which constitutes an illegal practice. 

Negative Account That Must Be Removed Below is the account that has been incorrectly reported and that I demand be immediately removed from my credit report : [ XXXXXXXX XXXX XXXX ] ( Partial Account Number : XXXX ) This account was previously removed from my report, yet it has been reinserted without proper notification or justification, violating FCRA regulations. 

I Demand Immediate Action Since the CFPB has already fined XXXX {$15.00} XXXX and has sued XXXX for these same practices, your company has already been found guilty of similar violations. 

Therefore, I demand the following : 1. Immediately remove the XXXX XXXX XXXX account from my credit report. 
2. Provide me with an updated credit report reflecting these changes.

3. Cease any reinsertion of incorrect information in my credit history.

If you fail to comply with this request within the legal 30-day period under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), I will file a formal complaint with the CFPB and consider legal action for damages.
Product: Debt collection

Im having issues with a debt collection company, of the name phoenix recovery group. This company has been trying to collect debt from me from 2020. Ive reported this debt to XXXX  and XXXX reporting as a fraudulent collection debt. XXXX has removed the case from my file. But XXXX wont Ive sent over so much documentation that this is fraudulent any nothing has be done. Ive mailed the phoenix recovery group about removing the fraudulent debt they have on my credit report. The mail me back pass XXXX days say I have to pay the debt. Next i mailed them back stating its fraudulent and they need to remove the false information immediately. They still havent done so Im sure tired of making disputes and nothing has been done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to bring to the Credit Bureaus ' attention the presence of fraudulent accounts and inaccurate information on my Credit File, which is causing significant concern and distress. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these erroneous items in accordance with FCRA section 605b. It has come to my attention that there are accounts listed on my Credit File that were opened fraudulently. I believe I have fallen victim to identity theft, and I have taken the necessary steps to report the issue accordingly. Enclosed with this letter, you will find the required documents, including an ID Theft Report, supporting my claim and providing evidence of the fraudulent activities associated with my credit profile. I request the immediate deletion of the following items completely from my Credit file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Checking or savings account

I used my USAA account both checking and savings cards to withdraw money at XXXX XXXX Bank. I was able to withdraw {$600.00} from my checking account. I attempted to withdraw XXXX from savings using a separate card from USAA at the same XXXX atm minutes apart. I could hear the ATM machine counting the cash for the savings withdrawal, the ATM never dispensed the cash from the savings. The ATM machine screen said oops we 've experienced technical difficulties unable 2 complete your transaction. Nonetheless {$500.00} was debited from my savings account that I never received. I filed a complaint with USAA and they said XXXX looked at the video and I took cash. I never received cash from the savings withdrawal. There should have been two desperate withdrawals of cash not one. I feel I have been robbed {$500.00}. Neither USAA or XXXX will help me. I 've been robbed of {$500.00}. All they have to do is look at the video and see I only took cash from my first withdrawl from my checking account. No money was dispensed from the savings account which used a separate card from the checking. {$500.00} disappeared electronically Into Thin Air. Please help me deal with these banking corporations who have robbed from me and refused to look into the problem and correct it. USAA says it 's XXXX XXXX problem and XXXX XXXX says it 's USAA. Again please help they robbed me at Christmas time and I do n't know what else to do.
Product: Mortgage

Dear CFPB, I have asked Nationstar Mortgage, now Mr.Cooper, to send me XXXX XXXX payment history from XX/XX/XXXX-XX/XX/XXXX but they had not yet done so. They have only supplied that info for time after which they took over XXXX XXXX in XX/XX/XXXX so I am still contesting the additional # XXXX they tacked on to our loan for, they say, non-payments from XX/XX/XXXX-XX/XX/XXXX. My faxed documents show that the mortgage was paid during that time. I have also written the IRS for those documents since, to date, I have not received them from Nationstar ( Mr. Cooper ).
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent proof by certified mail to Equifax to remove fraudulent information. I also included form 605b which requires them to block fraud accounts within 4 days. Equifax filed dispute on 1 of the accounts which caused me to call them and inquire why all the accounts were not blocked. They decided to dispute the other account and not block it and told me that I have to wait 30 days for the block which violates FCRA 605B. I want this information blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these accounts to be removed from my credit report!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX PDT I sent an email to Coinbase asking why they never received a Litecoin transfer. 
On XX/XX/XXXX at XXXX PDT I received an follow up email from Coinbase XXXX 
On XX/XX/XXXX at XXXX PDT I responded letting them know that I was scammed buy a fraudulent web site and I resolved my issue. 
On XX/XX/XXXX at XXXX PDT Coinbase responded with an email saying they disabled my account on the same day a wire transfer went through into my account with them of the amount of {$400.00}. 
On XX/XX/XXXX at XXXX PDT I responded via email that they did not have to disable my account because the issue was resolved. 
On XX/XX/XXXX at XXXX PDT Coinbase response : Hi there, Thanks for your reply. We are trying to understand your initial claim of unauthorized activity regarding a phishing attack. 
The initial 2LTC deposited to your account were sent externally from an XXXX device. Can you confirm the date and amount of the unauthorized send? The same device was recently used in connection with your account. Can you please provide us with the URL of the website that you visited so that we can investigate further? 
Please note that your account will remain disabled until our investigation has concluded. You are solely responsible for the security of your devices, email, passwords, and 2fa codes. 
Thank you. 
Coinbase Support On XX/XX/XXXX at XXXX PDT I responded to Coinbase with the information they wanted. 
On XX/XX/XXXX at XXXX PDT I had not received a response. I sent an email asking if they received my email. 
On XX/XX/XXXX at XXXX PDT I sent an email asking Coinbase to refund my money. 
On XX/XX/XXXX at XXXX PDT I called Coinbase customer support and they said my work order was closed. They reopened the work order and put my work order at the end of the que. 
On XX/XX/XXXX at XXXX PDT I received an email from the email I sent on XX/XX/XXXX at  XXXX PDT asking me to reply with a statement. 
On XX/XX/XXXX at XXXX PDT I replied with the following : I believe my devices, email account, and 2FA applications are secure, please enable my account. 
Today XX/XX/XXXX at XXXX PDT I have not heard back from Coinbase . All I want is my money back. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase reported mortgage delinquent between XXXX and XX/XX/2017. This 90 day delinquency caused credit to score to drop dramatically
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TRANSUNION have violated me : Per FCRA Section 623 XXXX XXXX TRANS UNION CORP. US COURT of Appeals for the Third Circuit Court Case 115 F. 3rd 220 XX/XX/year>, Filed ( D.C. No. 95-cv-01743 ). 
FCRA Part ( A ) ( 5 ) ( B ) ( ii ) FCRA Section 611 Part ( A ) ( XXXX ) XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) has violated me per : FDCPA Section 807 ( 8 ) FDCPA Section 809 ( b ), FTC Opinion Letter Case From XXXX  FDCPA Section 805 ( c ) FCRA Section 605 ( c )
Product: Debt collection

XXXX XXXX XXXX and Discover have filed a law suite against me in XX/XX/2019 at XXXX XXXX XXXX Superior Courts | XXXX Courthouse | Contract and they have been XXXX, harassing, intimidating, threatening, and assaulting my family.
Product: Debt collection

Transworld System Inc. is continuing to try to collect a debt my insurance company and myself have paid. I sent them the receipts of payment, and they send more letters saying I have not argued the debt so it is valid. I can not use their online system as they have not sent an access code. The debt is invalid and they keep mailing letters.
Product: Payday loan, title loan, or personal loan

This correspondence is in regard to the denied application ( s ) for personal loan with One Main Financial. This denial/adverse action is a direct violation of my rights as a consumer.

This is a direct violation of Section 16 of the The Federal Reserve Act resulting in Civil Money Penalty as stated in Section 29.

This constitutes for An Act of Redresse of Inconveniences in accordance with the Cestui Que Vie Act 1666 ; 1666 CHAPTER 11 18 and 19 Cha 2.
Product: Credit reporting or other personal consumer reports

Recently I Looked At Copy Of Credit Report And Noticed Several Inaccuracies On My Account. This Account Is Hurting My Ability To Obtain Credit. It Is My Understanding That You Will Investigate These Items For Me to Ensure Accuracy Here Is The Items I Am Asking To Verify As Accurate Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I deposited my taxes into my Chime account XXXX of XXXX I was spending them my hard earned money. I go to XXXX XXXXXXXX and get out XXXX for XXXX and I see my account is closed and they were saying they need documents. I sent them everything they needed after calling the IRS and they still closed my account and wont give my remaining balance.
Product: Bank account or service

I have been a victim of identity theft. This includes someone using a fake ID to withdraw money from my bank account ending in XXXX. 

The fraudulent transactions include 1 ) XXXX/XXXX/16 XXXX withdrawal 2 ) XXXX/XXXX/16 XXXX transactions from XXXX for XXXX ; XXXX ; and XXXX
Product: Debt collection

In late XXXX of XXXX I received an email from XXXX XXXX telling me a collection account had been added to my credit report. This was the first time I was notified about this collection. I was never contacted by the collection company ( genesis management ). I was never contacted by the rental agency ( XXXX  ) who they were hired by to create these fraudulent and false charges against me. My phone number has not changed since XXXX of XXXX. Furthermore when I moved out of the greystar property I paid 100 % of the charges I was notified of. Despite this, the company greystar stole my deposit ( {$200.00} ) with no explanation of the additional charges and now, XXXX years later, they are attempting to steal more money through fraudulent and criminal means. Neither of these companies have ever provided one shred of evidence to justify these charges. This is a clear example of criminal enterprises working together to create fraudulent charges against innocent people such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter certified mail to the credit bureaus on XX/XX/2022, telling them to do a investigation on the accounts listed below. Also, I have attached the letter with the tracking numbers for each credit bureau. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 UCS 1681 everything has to be 100 % accurate. I have the credit reports to show the inaccuracies ACCOUNTS : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, I have the credit reports to show the inaccuracies
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX keeps reporting this account.
Product: Checking or savings account

In XXXX of XXXX, a check in the amount of {$15000.00} was given to me as a gift. I endorsed the check to my family member. Because the check was from Chase she thought it would be easier to open an account with the check at a Chase Bank. Within a month Chase closed the account because they claim they were not able to verify me by my phone number. They told her that because I was not able to be verified by phone that I would have to bring my ID into the bank branch to be verified. When I was able to bring the ID to the bank they told us that they no longer accept identification verification in the bank branch and I must be verified by phone. They explained that my phone number needed to be listed in a public registry so they can search it and call. We went to the bank branch where the account was opened to sit down with the banker who opened the account and their money release department and they all gave us a different answer as to why we cant get the money back or returned to the original account.. I had the person who originally issued the check, look to see if the money was still in his account and it was not. He asked if he can get it back, I also asked if they can send it back to him and both of us were told no. The bank at this point is refusing to give us the money or return the money back to the person who wrote the check and I truly believe that someone at the branch stole the money.
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. Convergent Account # 1234, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DISPUTES INQUIRES LISTED FROM THE BELOW COMPANIES ARE NOT FROM ME, I HAVE SENT SEVERAL DISPUTES AND YOU JUST REFUSED TO DO ANYTHING BUT SEND ME A CANNED STATEMENT, FEDERAL LAW STATES THAT FCRA MUST REMOVE INACCURATE INFORMATION FROM A CONSUMERS FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MINE, REMOVE FROM MY FILE AS STATED IN PRIOR COMPLAINTS TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The car was over charged with late fees the balance was paid off but they charged me XXXX dollars more in fee. The car was repossess and sold at an auction
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to these companies letting them know this is a violation of FCRA which ensures the accuracy and fairness and privacy of the information in consumer credit bureau files.
Product: Debt collection

Caine & Weiner collection agency reported as past due a payment debt on amounts not owed. I believe they purchased this debt from XXXX XXXX for stem cell storage services that we cancelled in the past.
Product: Debt collection

On XX/XX/year> i recieved a letter through the mail about an alleged debt that I don't owe. I have never done business with this company before and I verified on XXXX XXXX Secretary of state website and they are not registered to do business in the state of XXXX XXXX. They don't have legal right to contact me about anything I never gave consent for XXXX XXXX XXXX to access my information at all and I didn't give any original creditor permission to release my information to a third party which is XXXX XXXX XXXX whom has no wet signature from me acknowleding them. They are on my credit report without sending a validation letter first. I had no knowledge of this however I did a dispute with the bureau and I don't know if the company is aware of that and I don't know if they were contacted.The last I knew this was resolved as customer disagrees and that was it until today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$1400.00} Account # XXXX ( This account does not belong to me XXXX XXXX XXXX XXXX {$6200.00} Account # XXXX ( This account does not belong to me ) XXXX  {$100.00} ( This account does not belong to me XXXX XXXX XXXX XXXX {$35000.00} ( This account does not belong to me )
Product: Debt collection

{$210.00} Open balance SUMMIT A R Original creditor XXXX Opened XX/XX/year> ( 3 yrs, 0 mos
Product: Credit reporting or other personal consumer reports

Reported to company did not sign up for this card. Company was transferred from XXXX products Concora XXXX different companies you have to go to companies in person out of state to use. No longer able to use the card for XXXX which I signed up for. Forced to use keep this card.