23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I asked my Mortgage lender for a special forbearance plan on my mortgage while i was going to be out of work for XXXX months under going a complete XXXX  XXXX XXXX on XXXX 7,2022..i was told yes this could be done prior to filling out proper paper work and submitting documintation from my XXXX and i completed this and was told to call back on the XXXX of XXXX XXXX i was being pro active in this prior to XXXX and every mortgage agent i spoke with had given me false information leading up to XX/XX/XXXX call..I was told i could pay escrows for XXXX months and this would not affect my credit putting my loan on hold and putting 3 months payments on the back end of my mortgage loan..From what i am now being told i was denied because this is not XXXX related and i would have to re file going into default affecting my credit and that prior to XX/XX/XXXX call everyone has lied to me giving me false information.This is total incompidence in there Dept and not fair to me because i was only looking for a little relief since i only will be receiving short term disabilty at {$450.00} a week minus taxes thus money doesn't go far..Freedom Mortgage has given me the run around and i am not happy with there services and would like some compensation for the mess they have caused...
Product: Checking or savings account

I had my debit card stolen with chime bank and submitted a police report on the person who stole my debit card and used it to make atm withdrawals fraudulently in my name because they had my wallet which I had stored my banking information inside. The police report I filed was with the XXXX XXXX Police Department and the report number is XXXX and chime refunded me my money on my credit builder card that this person used as well as my debit card to make atm withdrawals but refuses to refund me my money on my debit/checking account with them that this person also compromised. They are refusing to work with me or even grant me provisional credits on my checking account and continuing to close the investigation for the fraudulent transactions days before I am supposed to be granted provisional credits so they dont have to pay me for the theft that occurred. This bank customer service is terrible and their fraud department refuses to contact me with further questions with the cases I opened with them and are coming to conclusions that are completely inaccurate and refuse to accept the proof of fraud through the police report I filed for no legitimate reason. They are a horrible bank scamming me out of my money and refuse to protect their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports ; inaccurate accounts that has not been investigated, nor a notice of dispute recorded, Re-Aged accounts, inaccurate balance owed, inaccurate Date of last activity, inaccurate Past Due amount, Duplicate collection accounts, Inaccurate open collection account, inaccurate delinquent collection account, inaccurate Past Due amount recorded on a collection account. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Money transfer, virtual currency, or money service

at XXXX i buyed some Litecoin with cc no Problem so far. Wanted to Transfer it to another exchange and bam 3 days Payment locked, but i can unlock the transaction faster if i upload my id ( again ) to verify. 

Ok no problem uploaded it XXXX times always unable to verify my identity and then i got banned and my account got XXXX. 

Hey just write a support ticket ... .. i cant write a support ticket on a XXXX ACCOUNT. ok so i opened a second account and contacted XXXX and XXXX from support staff in XXXX with a ticket id, none of them replied. 

But i got a answer on my ticket from the new i account i made : Thank you for contacting Coinbase Support. I apologize for the delay in responding to your email and for all the trouble. 

I will now be closing this ticket and will be responding to the original ticket you created that was sent from the said XXXX email address. 

to my old XXXX ACCOUNT rly guys? i cant answer or login or read the ticket on my old account. I dont even get emails when/if she replied to the open ticket on my old account cause THIS ACCOUNT IS XXXX XXXX : Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

( i dont have purchasing problems i have a XXXX account but thank you for automated message ) XXXX Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

XXXX a automated message with the full faq just copy/pasted THANK YOU! 

UPDATE** XXXX It appears as though your case has a restriction and is not security related. I am escalating your case to the proper queue now. 

( your system just auto banned me like i said i have my Phone number verificated XXXX for login and XXXX for transactions just unban my account whats the problem here ) My ticket id is : # XXXX and # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX  # XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXXXXXX FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXXXXXX XXXX  Inquired on 03/30/2021 On record until XXXX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XXXX Balance {$800.00} Status Account charged off. {$800.00} written off. {$800.00} past due as of XXXX XXXX XXXX XXXX Potentially negative Date opened XXXX Balance {$760.00} Status Account charged off. {$760.00} written off. {$760.00} past due as of XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XXXX XXXX 
XXXX  Potentially negative Date opened XXXX Balance - Status Closed. 
XXXX XXXX Potentially negative Date opened XXXX  Balance - Status Closed.
Product: Credit reporting or other personal consumer reports

I would like to request that the original contract that I signed to create each debt on my credit report and then the original balance from the original company that I signed the contract with and then also the contract that says that the original creditor has sold the debt to the creditors that are now claiming the debt and I would like them to furnish them within the next 30 days amd if they can not furnish these documents then I request that all the items that have not been validated be removed immediately thank you and have a great day. Also the debts I am talking about are from XXXX XXXX andXX/XX/XXXXXXXX mainly but every debt that is claimed against me must be first validated by the company and furnish the documents within 30 days
Product: Credit card

The Company Received payments from myself, took money from my account and proceeded to close my account without my knowledge. They took my deposit and extra money out of my account without my knowledge. When I go online about the information after it states about my deposit that I never received the message says '' We hit a snag, buty were on it. Try again in a bit. This is the same message I have been receiving for a while and hadnt received my deposit nor any explanation why they taken my money then closed my account without my knowledge. There was a payment taking from several payments taken from my account. When I went to use my card it did not work only to find out it was closed without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me, II don't know what to do. I am a victim of identity theft and I need help because my credit has realy been affected. I have been asking for help and my lawyer told me to submit a complain with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to mee. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Good day, My credit is very important to me, and I am seriously worried about the incorrect information on my credit report. These errors are causing ongoing stress and hindering my ability to get approved for new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX  XXXX {$25000.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for a line of credit through kay XXXX via comenity bank, I was reportedly declined because of the following : -High average credit limit or loan amount on revolving/real property trades or credit balance to limit ratio on revolving trades -Low level of authentication indicative of first party fraud or ID fraud -Recently opened revolving trade or limited history on revolving trade The report also said my behavioral risk score was XXXX as of XX/XX/XXXX of 2022, Im assuming because of the previous list. 

None of this sounds familiar to me. I received this information in a notice mailed to me later after the initial application. 

I was also unable to create certain accounts being told that my information doesnt match/lineup when attempting to check into this using sites such as XXXX XXXX etc I have been trying to get in touch with comenity or kay, but every time I do, I either get put on hold forover, theyre closed, or I get told I need to have an account for them to actually help me with anything.
Product: Debt collection

I recently submitted a claim for damage to rental vehicle through XXXX. On the way to return the vehicle, the vehicle was struck by another driver. Which cause substancial damage that increase the over total. I explained to the XXXX that there was a claim available and I do have representation. However, they have used tactics to damage my character for employment through partner companies. This ultimately damaged my ability to work and find closure. Nevertheless, XXXX knows about my mention of claim. I also stated to them that I will provide information for such filing. Secondly, XXXX says that I owe {$1000.00}. Finally, XXXX has not given me a fair shake after putiting me on the conversion list.
Product: Money transfer, virtual currency, or money service

Hello I need help with a transfer that my friend sent on XX/XX/2024. She sent me {$140.00} via Xoom and the transfer code # XXXX. Instructions to pick up was Government ID and code # XXXX. However, when I showed my Driver license at a local branch in XXXX, CT, they told me at the local branch that I was not allowed to pick up the funds but I asked why I was not allowed to pick up the money but they did not give me any further details. I also when at a different branch on a different date I was not able to pick up the funds.So I contacted Xoom customer service on XX/XX/2024 about this matter to know why am I not allowed to pick up the {$140.00} transaction # XXXX that was sent me. Xoom customer support told me that they need to speak directly with the sender about this for the reason they asked me to tell the sender to contact Xoom. I answer them that I need answer about my issue, but if they want to speak with the sender they have her contact
Product: Credit card

The vast majority of the debt " I owe '' as I either never authorized the transactions or never received for goods I paid for. 

XXXX. Unauthorized transactions : There were several web services transactions I never authorized as it would have been impossible for me to authorize because these services require internet connection : it was impossible for me to access internet during those transaction dates. There were initial charges that were reversed as Bank of America deemed them as XXXX. 

- These charges totaled {$13000.00} and only {$5000.00} were reversed : leaving my account with a remaining balance of {$8400.00}. 
- I have requested the Bank for the full XXXX digit transaction numbers to the transactions as well as dispute the charges. After requesting the bank several times for the full XXXX digit transaction numbers, I still have not gotten them. 
- I have also provided the bank with proof showing it was impossible for me to access these services as well. 

XXXX. Goods never received : I have purchased goods from a vendor who is current going through trial for wire XXXX ( said to have run a Ponzi-like scheme ) : transaction total {$4000.00} - Have provided Bank of America with article ( XXXX ) regarding the vendor and its owner.
Product: Credit reporting

I never gave my authorization for this dealership to pull my credit XXXX different times. I never would have believed that a dealer would run my credit so many times. This has messed up my credit score and has made it very hard to even get financed through any other dealership. I sent out a certified letter to dispute and request proof of where I gave my authorization for my credit to be pulled XXXX times. I live in XXXX they are in XXXX they pulled my credit on XXXX day then XXXX time on another day. They sent me back a typed letter just showing my name and info. Nowhere did it show the application and agreement terms explaining where I gave the okay to pull my credit XXXX times. I sent another certified letter explaining this and gave over XXXX days and have heard nothing. I now would like to take action against them. I have attached all corresponding letters with the dispute.
Product: Credit reporting or other personal consumer reports

Ive been trying to get business funding but XXXX and Equifax have false information on my credit report Ive contact the company about this situation and sent them proof and still no change has happened. I lost over half a XXXX in business deals already and wants this fixed or removed asap. I will attach images and highlight to show wrong information on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was billed a hospital bill fromXXXX wasnt my bill made police report now it reopened again
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : CONN CREDIT CORP ; XXXX XXXX XXXX TEXAS XXXX I've sent letters to the furnisher disputing the account listed below. I have not heard back from them, but they have verified the account as accurate .CAN THEY FRAUDULENTLY DO THIS? CONNS CREDIT CORP? VERIFYING AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 

I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS.Because of this, Im requesting information about your procedures put in place to verify this account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was opened and charged - off. 


PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE.
Product: Money transfer, virtual currency, or money service

On What XX/XX/XXXX {$20.00} was taken from my cash app when my phone was not with me stolen and notified cash app they immediately disclaimed and said that funds would not be returned I happen trying to reach cash app in no Resolution husband found as of XX/XX/2021 I found them that I haven't had a problems with identity problem and they was not helpful they It was unprofessional in Denied my cla before doing due diligence into the situation
Product: Credit reporting or other personal consumer reports

My purse was stolen during a football game in 2018, included in my purse was my driver 's license and social security cards. I made a police report and was advised to continuously monitor my credit report. I recently requested a copy of my credit profile and noticed accounts and inquiries that are not mine nor do I have any knowledge of. I've contacted both XXXX and Transunion requesting verification in attempt to get this resolved. Neither company have provided an updated or resolution. Furnishing this information to my profile is violating my consumer rights specifically 15 USC 1681B, furnishing any information without my permission or written consent, and 15 USC 1681 C-2, furnishing accounts due to identity fraud. These accounts and credit inquiries that I have no affilation with are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Credit Inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im not sure who has been trying to gain lines of credit, but its severely impacting my credit profile.
Product: Mortgage

I had some trouble paying my Midland Mortgage VA loan. After many months Midland agreed to modify my loan in 2011. Every payment I made to Midland after the modification was reported late to the credit bureaus. Midland reported my loan on time only after I completed the modification. There was no language in the modification contract regarding the loan being reported late even if the payments were made on time. Because of this my credit record is destroyed and I ca n't refinance to a lower rate. Midland will not help regarding this matter.
Product: Money transfer, virtual currency, or money service

We were sent a text from Chase bank on XX/XX/22 that there was a XXXX payment of {$5000.00} and did we authorize it. We text No and then received an immediate follow-up call from Chase. It had the Chase number on the back of our card as the caller id. They said we needed to dispute the charge and walked us through how to do it. It was already queued up on our computer that a {$5000.00} charge was initiated. When we questioned the procedure he said to call the caller id number, which we did and it was chase bank. They locked our account right away. We told him this and he reopened it without our assistance. He then walked us through it again. They had access to our account and were able to manipulate the bank screen when they wanted to. They had to have inside access to Chase. We contacted Chase on the XX/XX/22 when we realized what had happened. We went into the branch and discussed it and filed a claim with the fraud department. By XX/XX/XXXX, Chase sent us a letter, which we have attached, claiming they weren't responsible. They let someone access they institution and take our money. We really need some help! They were able to take {$10000.00} out of our account. We were told that under regulation E they should be responsible.
Product: Debt collection

I dispute this debt with both the debt collector and the credit reporting agencies. This company lied and said and said this was never disputed. They have not provided debt validation. Attached are the disputes to the credit bureaus and to them. This account must be removed my my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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 you 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. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$200.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$41.00}