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

I opened my XXXX XXXX on XX/XX/2022 through my friend 's referral link via text, a screenshot of the text is as attached ( including my virtual card number that I checked right away ). Here is the offer : https : //www.point.app/legal/referral-21-march-2022-general, and the offer email ( with referral 's email and referral code ) is also included in attachment, this email was just a reminder to my referrer that she had this offer back then. The sign up bonus is spending $ XXXX before XX/XX/XXXX to earn a {$100.00} in points, terms are attached. Note that my referrer 's Point REFERRAL CODE is XXXX, and my email on file with Point is XXXX, FYI, to find my account. I confirmed that I have met the requirements of this offer but Point XXXX  claimed I was enrolled in another offer and issued me an incorrect XXXX points instead of XXXX points. It was impossible that I was enrolled in a different referral offer because I opened my account through clicking my partner 's text message. Please fix this error caused by Point team and credit {$100.00} each to my referrer 's account and mine, per offer terms.
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 violeted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE ALL FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS PER FCRA 605B ( a ).
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them. I have contacted this company and notified them that this was not my debt. I never owned a Macy 's card. Please validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year of XX/XX/XXXX, I had a problem with XXXX when someone opens a fraudulent account with XXXX which I disputed in that year. Two years later I received an email stating to apply for XXXX XXXX through XXXX XXXX, which was later granted. After having the account almost two years XXXX requested that I send my drivers license and SSN number and uploaded it up on their site through their resolution center which I did, which two emails came in the year of XXXX XXXX XXXX, and XX/XX/XXXX, which I still have both emails. After uploading both DL and SSN XXXX change my taxpayer identification number on XX/XX/XXXX. After constantly battling my identity theft and fraud since XXXX with the Federal Trade Commission reference number XXXX and other related matters with my identity since XXXX constantly fighting for my identity as well as my daughters ' identity, which was changed in the year of XXXX when I worked for XXXX XXXX XXXX. The issue is now is that XXXX has put the account on my credit report after changing my Taxpayer Identification number in the year of XXXX, which XXXX requested the information when I applied they should have already had my SSN number, my other creditors have not to ask to do such a thing as updating my information with my DL and SSN.19 years is a long time to fighting for my identity with the same old issues over and over.I have filed a claim with XXXX  Data Breach . All three have placed this on my credit report after changing my taxpayer identification number on XX/XX/XXXX, XXXX want all to remove this merchant from my credit report because I have the letter where XXXX XXXX denied the opening account in my name in XXXX of XXXX, which I have credit monitoring services XXXX and other credit monitoring services. Which now XXXX stated that I have applied in XXXX of XXXX, which I have not applied and there are no inquiry on any of my credit reports for an application with XXXX in the month of XXXX along with a fraudulent address, which I disputed that address but it stills appears to be on my credit, report which I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and I want it investigated and removed from my credit report.
Product: Credit reporting or other personal consumer reports

American Express has charged off an account and has reported it as a loss to the IRS. I am asking for my 1099 c to file accordingly
Product: Credit card

On XX/XX/year> I received a notification on or around XXXX that I had a new credit pull from XXXX XXXX I was watching TV with my girlfriend at the time. I got on my computer and saw the pull was from Barclays. I called their fraud and informed them I did not open that card, I did not give consent to a credit pull, and I do not approve any transactions ; they told me the card was closed and it would all be refunded as their automated system flagged the card for a specific travel company as fraud ( JetBlue ). I was also told the flights where cancelled in another persons name with the same last name. I informed them I know no one by that name even in my extended family or otherwise. They assured me it was all set. On XX/XX/year> I received an email that my bill was due so I called on or about that day. When I called they told me it was found not to be fraud and the case was never opened. I opened the case that I was told was previously opened on the day the card was opened. They said they see in their records I called within an hour of it being opened but that it wasn't fully put through. I have called on or about every twenty-five to thirty days since then and each time they have said it was denied and all they could do is reopen the case for " a new set of eyes ''. Over {$4000.00} has been charged to the card within that first hour on that first day between it being opened fraudulently and me calling to say it was fraud. They are saying I owe that money. I just got off the phone with them just now on XX/XX/year> and they said they will reopen the case for a third time. This should be the fourth but they never opened one on that first day. I did not open this card. I called within an hour of it being opened to contest. I have been told time and time again it would be resolved but they have failed to-do so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Reference # XXXX, 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.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX I received a deposit XXXX usd into my Gemini account from a sale I made on XXXX XXXXXXXX since then Ive been trying to withdraw my funds since my bank was connected and verified already. I tried everyday but all my efforts seem futile everytime they tell me to link an account via XXXX and I do everytime. they access my bank information, a lot of my information and I can even see my bank details on the screen but after linking my bank it hits a dead end and takes me back to step 1 to link my bank to withdraw. So it seems like its impossible to withdraw my money and Ive been trying and sending emails but all I get after a while from the company is an automated response with irrelevant information from this company. I looked online and found out that countless people are going through the same thing that I am, and some have had their money withheld from them by Gemini for no apparent reason and with no contact at all for months. I dont really have the luxury to wait for months because I am in dire need of the money of my money and I feel like we are being abused by this company simply for being its customers. I even tried to buy some crypto with them which was successful. Putting money into Gemini is very easy but getting your money out is impossible because they wont let me even transfer the crypto that I had to buy into another crypto wallet. Any attempt at getting my money from my Gemini wallet hits a dead end. Theres nothing I can do and it is depressing and making me really anxious as if life is not hard enough right now. While Gemini keeps on twitting on XXXX they leave us stranded with out money in their hands locked away from us for no reason and with no explanation or communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for Transunion to fix my personal information and DELETE ALL OTHER INACCURATE NAMES And addresses from My consumer report. This is inpacting important situations for my well-being. This company is in violation of The law title 15 USC 1681b ( a ) ( 2 ), A CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ; IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 
This company has knowingly furnished my consumer report with inaccurate information multiple times without having my wet ink, written instructions to do so.
Product: Debt collection

This is a complaint about two Bad Actors who purposefully, willfully and knowingly conspired to injure my credit standing under false pretenses. On XX/XX/XXXX I was transported via ambulance ( XXXX ) to a hospital due to a accident. At the time of transport, I was requested to and provided current state identification and medical insurance cards. To date, I have not received a bill nor request any other written notification from XXXX requesting payment for any outstanding debt owed. 

All identification provided contained accurate current contact and mailing information. Despite having accurate information, XXXX employed a rouse to injure my credit score and rating by sending all notices to a General Delivery Post Office address USPS in XXXX, Nevada -- a township where I did not reside, despite having my address. When the mail was returned from General Delivery as undeliverable XXXX then, forwarded it to it's claim Collections debt ( National Business Factor ) -- despite my being completely unaware of any communication. 

Meanwhile, the attorney who was handling the case that originated on XX/XX/XXXX, had contacted any and all creditors regarding payments arising from this incident. However, because of XXXX 's actions he was unaware and therefore unable to contact them. He can testify to this. But XXXX 's actions were purposed to cause a greater harm in collaboration with their partner : National Business Factor, Collections -- they used my social security number to post a negative report to all three credit bureaus. 

I believe their actions evince an unfair debt collection practice and pattern with specific intent to do harm. The only reason I know know of their action is because I happened to be checking credit reports when I was noticed of a 25 point drop. I have the alerts/correspondences from my monitoring. National Business Factor has never ever written, called or communicated with me prior to my contacting them on XX/XX/XXXX. 

National Business Factor claims it can have this removed from the credit agencies swiftly and with just a letter. The agencies state that even if, paid or otherwise cleared, the information will remain on the credit report for 7-10 years. I have been harmed and am aggrieved and thus am seeking a remedy at law and in equity.
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. XXXXXXXX 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

Equifax stated they were hacked and set up a website to tell individuals if they weee affected at www.equifaxseciroty2017.com but this site does not actually tell you if you were affected or not. Entering information does not provide that answer. Only takes you to a page to sign up for credit monitoring ( and also agree to their TOS, which may not be favorable ). There is a number to call with questions, but hold times are so long you ca n't actually speak with anyone.
Product: Credit card or prepaid card

CHECKING MY CREDITREPORT IS SHOWING I HAD 3 COLLECTION FOR 3 DIFFRENT CREDIT CARDS I NEVER OBTAIN BECAUSE AT THIS TIME I AM OUTSIDE OF THE COUNTRY SOMEONE STOLE MY INFORMATION AND USE TO OPEN THIS CREDIT CARDS ACCOUNT.
Product: Credit card or prepaid card

I have been getting scammed and hacked in my bank accounts constantly and I lost my XXXX to a scammer who had all my info. This account was opened in my name but not by Me. I have no knowledge of it. This has been going on a while.
Product: Credit reporting or other personal consumer reports

ACCOUNT XXXX XXXXXXXX debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX XXXX XXXX XXXX XXXX XXXX. Dont send any mail whether its XXXX XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just XXXX big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a few accounts I have no idea what they are or, why they are on my report. I sent a debt validation letter to CMRE, XXXX, XXXX, and XXXX on XXXX to validate the debt and send me some type of paperwork contract or something with my signature because I dont know what that debt is nor do I believe its my debt. XXXX updated my account said the debt was verified and updated a few errors so on XXXX I sent another letter to CMRE again asking for the debt to be validated and to delete it off my account and even after 60 days I havent received a letter of validation, HIPAA release form, or any form of communication from CMRE as if they are ignoring my request and acting as if they havent received it. On the same day I sent another letter to XXXX, XXXX, and XXXX asking to reinvestigate because I still dont know what that debt is and to delete it off my account. On XXXX XXXX sent me a email stating they can only verify and not validate. This is harming my credit score and can not get a reply from CMRE and would like for the collection to be DELETED due to inaccuracies, not my debt and failure to validate.
Product: Mortgage

I was served with a foreclosure complaint on XXXX XXXX, 2014. The alleged plaintiff is XXXX as Trustee for XXXX Master Participation Trust. However, the actual entity is XXXX TRUSTEE. This entity was created in XXXX, XXXX with an address of XXXX XXXX XXXX XXXX, XXXX. This is the same address for CALIBER HOME LOANS, XXXX MASTER PARTICIPATION TRUST, VERICREST FINANCIAL. Caliber Home Loans, the alleged mortgage servicer, is the real party who is executing this foreclosure. It appears that CALIBER has been foreclosing on many properties over the last few years using their bogus entity XXXX TRUSTEE. They alter the name to XXXX as Trustee. I contacted XXXX and they readily admit they have nothing to do with the foreclosure. XXXX says CALIBER Home loans is doing the foreclosing. I am sharing my research with all agencies, DOJ/FBI, XXXX Atty general, US ATTY GENERAL, XXXX ATTY GENERAL, and more.
Product: Checking or savings account

I had an account with Bank of China New York branch, which was opened by XXXX. On XX/XX/XXXX, according to the confirmation email sent by BOC NY, I requested to have all of my statement sent through email. The bank confirmed the request after that. However, also according to my email record, I never received a single bank statement from BOC NY. On the confirmation, they did not say the statement will become annually, so I believe it still should be monthly statements. Because I switched major of my banking relations to XXXX and credit cards to XXXX XXXX, I didn't use the BOC account very often. And because of the change, it is hard for me to know what is my latest balance without a valid statement. By XX/XX/XXXX ( XXXX Standard Time ), I received an email from the bank which said my online banking account was frozen. I called the bank to figure out what had happened and the bank staff told me my account has been closed due to insufficient balance. I will never forget I still have an account if they are sending me a proper statement every month, just like I didn't forget I had an XXXX pre-paid card because I am receiving notice from XXXX every month. I contacted the bank several times after the closure, but they said they do not know if I had a negative balance and did not respond to my question " when, to where and how did you send my monthly statement. ''
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$5300.00} XX/XX/2019 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX is old it was bought by my collection agency on my credit report XXXX XXXX XXXX. This account is old and it keeps refreshing
Product: Credit card

I have an account on my credit report that is not mine. The account may be an authorized user account but regardless I did not ask for this account and it was opened without my knowledge or approval.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint for Inaccurate and Unverifiable Collection Account FCRA Violation Dear Consumer Financial Protection Bureau , I am filing a formal complaint against TransUnion for reporting an unverified and inaccurate collection account from XXXXXXXX XXXX ( Account XXXX XXXXXXXX ). ** This account contains critical missing information, potential re-aging violations, and lacks proper documentation, making it a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute : Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Bank XXXX. ) Account Number : XXXX Reason for Complaint : The account is unverifiable, lacks complete information, and appears to have been illegally re-aged. 
Issues & Violations Identified : No Payment History or Supporting Information : The account lacks key details such as payment history, credit limit, number of months, and date of last payment. 
Under FCRA 15 U.S.C XXXXe ( b ), all reported information must be complete and accurate. This account fails to meet that standard. 
Possible Re-Aging of the Account : Opened in XXXX but shows last activity in XXXX, even though no payment has been made. 
Falsely updating the date of last activity is illegal under FCRA XXXX ( a ) ( XXXX ) and is considered " re-aging, '' a deceptive and unlawful credit reporting practice. 
Account Not Reported to XXXX or XXXX : This raises serious concerns about its legitimacy. If a valid collection exists, why is it only on TransUnion? 
Under FCRA XXXX, if a collection agency can not provide consistent reporting, the account must be removed. 
Failure to Provide Proof of Debt Validation : I have never received any validation of this debt from XXXX XXXX, making this collection invalid under the FDCPA ( Fair Debt Collection Practices Act ) XXXX ( b ). 
Requested Resolution : I demand the immediate removal of this collection account from my credit report due to its unverifiable status, incomplete data, and potential re-aging violation. 
If TransUnion can not provide valid and complete documentation, they are legally required to delete this account under the FCRA. 
I request that the CFPB investigate this violation and enforce compliance with federal credit reporting laws. 
I am attaching a copy of my credit report highlighting these discrepancies, as well as prior dispute attempts. 

I expect a timely and fair resolution to this issue. If the inaccuracies are not corrected or removed promptly, I will consider further legal action against TransUnion and XXXX XXXX for knowingly reporting false information and violating federal laws.
Product: Mortgage

I am resubmitted my complaint based on RESPA 1024.35 Error Resolution Procedures.

I filed a complaint against Shellpoint on XX/XX/2021 due to undue burdens on lender-placed insurance. They responded on XX/XX/2021 and willfully or intentionally removed/did not provided enclosures ( letter dated XX/XX/2021 ) showing that I provided sufficient evidence of insurance coverage. 

After receipt of their response, I have not heard back from them to remedy their omitted documents.. I also replied to their request for the condo master policy to be updated and it was received. 

I have issued a formal complaint against Shellpoint and request the investigation into XXXX XXXX into either bad record keeping, negligence, and/or intentional harm and placed lender-insurance against me. 

I have provided my letter and grievance to the AL state banking board and all documents of evidence to support my case.
Product: Credit reporting or other personal consumer reports

I asked all three Bureaus to make sure these accounts were accurate and complete. When the investigation ended, my accounts came back verified. However, there are still many discrepancies between each report and inaccurate information. If they investigated the account the information should reflect so across the board, and this violates my consumer rights to an accurate and complete credit report. I attached screenshots of the accounts. Please delete the following accounts : XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXXXXXX : Account # XXXX