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

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report. They were not opened by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

I bought a phone from a guy on XXXX. I sent him the money on Wednesday XX/XX/XXXX through XXXX and he said he'll ship the phone on the upcoming Friday which was the XX/XX/XXXX. He told me he sent the phone and I asked him for the shipping information and he said he would give it to me. The next day I still didn't get the information and I texted and called over the next few days with no response. Today is XX/XX/XXXX and there's no sign of the phone or the guy I bought it from. It looks like I got scammed.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXAccount has violated my rights. Or 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 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

On XX/XX/2018 I noticed a credit inquiry from XXXX XXXX XXXX. As I do not shop at XXXX XXXX XXXX I do not understand why it would be on my credit report under the XXXX credit bureau. Iam unsure if it appears under the other 2 bureaus as well. I can not understand why I would want an inquiry from a company going out of business and not even issuing credit cards anymore to my understanding. I would like it removed as it dropped my score I believe like 7 points.
Product: Credit reporting or other personal consumer reports

ok so the account in question here is " XXXX '', better known as XXXX XXXX. these people when I requested the debt to be validated they sent me every statement since the account was open. I asked for the public and private GAAP accounting records of the debt, the name of the original creditor and the name of the flesh and blood human being that validated the debt. furthermore, since this creditor has been reporting in accurate credit information from XX/XX/XXXX- XX/XX/XXXX, pursuant to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX . the reason why I am bringing this dispute forward to this corporation is for defamation and for financial injury. the fine is the extend of the damages incurred by the wronged party as deemed by the courts, pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to XXXX XXXX XXXX XXXX. This would entitle me to a violation sum of {$34000.00} if this dispute is taken to district court and this corporation made to be held liable for this gross negligence of federal law. Further more, being that this corporation failed to provide enough proof to validate the debt and the credit bureaus continued to reported false and inaccurate information for an extended period of time that would make the credit bureau and this company both liable to violating FCRA 623, and pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ( XXXX XXXX. XXXX ), the reason for adding the violation to this dispute is due to defamation and willful injury. the fines that can be assessed for the violations are to the extent of damages incurred by the wronged party deemed by the courts. pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to XXXXXXXX XXXX XXXX XXXX. this would be another violation sum of {$34000.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX, XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX 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

I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and not mine : XXXX XXXXXXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. There's a derogatory item that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiry : XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I would like to report that PNC Bank failed to offer me a forbearance to save my home. I was told that a loan modification was my ONLY option, when in fact, I could apply for forbearance per our Governor, XXXX XXXX. I found that I was also protected through The CARES Act. 

I had to hire a professional to help me through the process. I attempted to handle the situation myself, however, my attempts were unsuccessful due to my lack of legal knowledge surrounding the situation. 

Please see the attachment to get more details on my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

8 Years i cant get a NEW Credit Card becuse of my Credit Burrow File -- -- -- - I live in XXXX XXXX and Cant Contact the Credit Burrow from Forign Country Can the Credit Burrow Please Remove the Consumer Allert Telephone Number in my Credit File so i can Get a New Credit Card -- -- -- -- -- Appying Fore a Credit Card company wants two CALL my Phone number in the Consumer Allert File in The Credit Burrow -- -- -- -- The 3 Credit Burrow XXXX XXXX XXXX and Equifax could not Verify me so 50 Times I mailed 3 Forms of ID two XXXX  XXXX XXXX and Equifax never Help me and respond send ID agin -- -- -- -- - 5 Years i live in Forign Countries and Cant Call a BANK XXXX number Requires International long Disatance cost XXXX dollers a year two Call a Bank -- -- -- -- Im a Refugee and there is no Good way two Contact the Credit Burrow from a Forign Country mail may take months -- -- -- -- -- - I should Not Send coppy of my ID from a Forign Country -- -- -- -- -- -- -- -- - 50 Times I contact the Credit burrow that no bank can Verify me two Open a New Bank Acount
Product: Money transfer, virtual currency, or money service

This is in regards to capitaloneshopping.com, a division of Capital One Financial Corporation. They specialize in affiliate marketing where they provide a " cash back '' in the form of a rebate in exchange for making purchases following a link to the merchant that they provide. It is a special marketing arrangement between Capital One and selected merchants where these merchants pay an affiliate fee ( ie commission ) for access to Capital One 's large consumer base. 

Capitaloneshopping.com has defrauded me out of over {$12000.00} in earned rebates after using their service to make purchases. They kept the entirety of the merchant commissions while shutting down my account under false pretenses. Specifically, there are two types of issues here. The first is a series of failed rebate redemptions where capitaloneshopping.com refused to pay out ( the estimated amount is about {$2500.00} ). The second issue is the termination of my account after inquiring about this first issue whereby an estimated {$10000.00} in un-redeemed rebates is being held. 

I initially contacted them regarding the first issue on XX/XX/XXXX. Their response was " Your e-gift card redemption is currently on hold pending confirmation of your Shopping Rewards from the merchant ''. After over a month and a half of back and forth communication in which they failed to provide any meaningful updates, on XX/XX/XXXX, they terminated my account without providing any particular reason. Since then, I have reached out a few more times asking for an update. They have failed to provide any reason once more. 

I am asking the CFPB to step in here and rectify the situation in which capitaloneshopping.com has fraudulently shut down my account in an attempt to avoid paying out on earned rebates while enriching themselves of the merchant commissions. For precedence regarding a similar situation involving a form of rebate in exchange for service, I refer to XXXX v. XXXX XXXX XXXX XXXX in which the latter was accused of claims for breach of contract, breach of the implied covenant of good faith and fair dealing, and fraudulent inducement.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made multiple purchases of Bitcoin from the XXXX online cryptocurrency trading platform. The purchases were made from my Fiance 's bank account in the following order : ( 1 ) {$700.00} ( 2 ) {$1800.00} ( 3 ) {$3000.00}, the third purchase for {$3000.00} was doubled charged to our account due to an error with XXXX and Coinbase ( XXXX has since taken responsibility for the double charges but Coinbase has not refunded me as I will get to. ) By the end of XX/XX/XXXX, {$5500.00} worth of Bitcoin was credited to my account with Coinbase. However, {$8500.00} was charged to our bank account indicating there was a double charge of  {$3000.00}. 

The Following day, XX/XX/XXXX two more purchases of Bitcoin were made of {$2500.00} & {$4300.00} while still unaware of the previous day 's double charge. 

Our total investment was a total of {$12000.00} that was showing in the Coinbase platform. However, we were charged {$15000.00} to our bank. After roughly two weeks of waiting for the return of our money, we contacted our bank and on XX/XX/XXXX {$3000.00} was returned to our account. 

Unfortunately, the following day Coinbase shut down my buying or selling options with a notice that they were owed {$3000.00}. My hope was that they would realize this was the amount of the double charge. On XX/XX/XXXX, Coinbase transferred {$3000.00} of Bitcoin out of my wallet and then charged me a {$44.00} transfer fee. All of this transpired and they did not notify me that money was taken out of my wallet or that I was charged a fee. Now, essentially the double charge has gone back into effect. Coinbase has responded with emails to my inquiries but not with any detail of how they will solve the issue, only that " we are having a specialist reviewing the case. '' The double charge took place 42 days ago, Coinbase withdrew {$3000.00} dollars from my wallet 26 days ago. How is it acceptable for this much time to pass and not have the problem solved yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX my Jobs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I had more fraud on another credit card with a {$14000.00} credit line that simply needs to be replaced with a new card and account number, but once again i'm seeing that the available credit was incorrectly deducted from my total on XXXX XXXX which reports to TransUnion, where my total available credit is already nearly {$20000.00} too low, and I once again, lost a point on my credit score, and a month in my average credit age. TransUnion will report that I have only {$23000.00} total available credit, when I really have {$57000.00}. it will show less than half of what it really is, when it's already almost {$20000.00} too low because they take so long to correct the information with the previos two cards that had to have account numbers replaced because of fraud. They need to stop constantly doing this over and over and over again, taking available credit away due to fraud, when the card is simply being replaced with a new account number, which should have absolutely no effect whatsoeveron my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and Trans Union. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state Division of Financial Services in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and Trans Union is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and Trans Union notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Debt collection

I am filing this complaint due to persistent issues with XXXX XXXX XXXX XXXX regarding their failure to correctly bill my health insurance provider, and the subsequent mishandling of my account by RMP Services LLC, the collections agency involved. Despite providing all necessary information, including my correct insurance details and Social Security number, the hospital failed to bill my insurance provider, for services rendered. This oversight led to the erroneous handling of my account, which was unfairly sent to a collection agency, and subsequently recalled, yet still affects my credit report. 

Specific Issues Include : Failure to Bill Insurance : I had active insurance coverage at the time of the service. Despite this, XXXX XXXX XXXX XXXX failed to submit the bill to my insurance company. 
I have repeatedly provided XXXX XXXX XXXX XXXX with my insurance information and my Social Security number specifically for billing purposes. 
Erroneous Collection and Recall : After the account was mistakenly sent to collections, I contacted RMP Services LLC to discuss the issue. They confirmed that the debt was recalled but informed me that they could not remove the collection account from my credit report. 
This refusal to delete the recalled collection from my credit report is unjust as the collection should never have occurred in the first place. 
Repeated and Unwarranted Phone Calls : Since the account was incorrectly sent to collections, I have received numerous phone calls from RMP Services LLC. These calls are not only disruptive but are also based on an erroneous debt claim, which adds to the distress caused by this issue. 
Steps Taken to Resolve the Issue : I have contacted XXXX XXXX XXXX XXXX multiple times to rectify this billing error. On each occasion, I provided my up-to-date insurance details and requested that they reprocess the bill accordingly. 
I disputed the debt with RMP Services LLC, explaining the situation and the hospitals billing error. They acknowledged the recall of the debt but refused to remove the collection from my credit report. 


This situation has caused significant stress and has impacted my credit unfairly. I appreciate your attention to this matter and look forward to your assistance in resolving these issues.
Product: Credit reporting or other personal consumer reports

According to Equifax data breach settlement class action lawsuit, my personal information has been affected by this incident. 
I tried to delete fraudulent accounts on my report based on that fact
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold a collection to a company called credit collection service and it shows that this was paid! they continue to report on my report as a satisfied collection. Not only is this not mine but it's not reporting correctly! i asked credit collection service to validate this debt and I haven't heard anything from them as well as the credit bureaus to investigate this. All XXXX  did was illegally update the XXXX and so did XXXX. but they never actually validated the account. I have asked for 5 months now. this is causing great damage to my credit score and each bureau reports a different XXXX Furthermore, it's a violation of the fdcpa to continue to report an item that's disputed and credit coll continues to report this without having validated this.
Product: Student loan

I originally had federal student loans ( all of my loans are federal ) from obtaining my XXXX XXXX from XXXX XXXX in XXXX and XXXX. I was approved for the XXXX grant but after sending in paperwork several to verify my 5years of XXXX  service at a title 1school I never received the {$5000.00} I was eligible for. I then in XXXX and XXXX was enrolled at XXXX XXXX  seeking a XXXX XXXX in XXXX XXXX. I have approximately $ XXXXfrom my first degree and {$30000.00} from the other schooling and although I tried repeatedly to get the loan forgiveness and even thought they had enrolled me, it was brought to my attention finally that no I had not been enrolled and Navient transferred my loans to XXXX XXXX XXXX. I am now not eligible due to the fact that over the last 13 years my salary has increased making me no longer eligible to get any assistance. Although Ive been making payments since XXXX ( occasionally taking deferments or forebearanceor being enrolled in school ) I have never been in default and i owe near the same amount as my original loans in XXXX and XXXX and XXXX. I am very distraught over all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX and paid it in full on XX/XX/2018. It is still on my credit report as owing a balance and late. I need it to show as Paid off with a {$0.00} balance. I am trying to fix and build my credit and this is harming me.