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

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The listed account is not affiliated with me nor are they authorized by me. 
XXXX XXXX XXXX Balance : {$910.00}
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' or " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( TransUnion, XXXX, and XXXX ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX  and XXXX XXXX ). I've  contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed. 

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX XXXX
Product: Credit reporting

An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations.
Product: Debt collection

Continuously contacting me at my place of employment. Harrassing calls all day. Company - AmerAssist Turnaround Management
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
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 Personal Expense Collateral - XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 or other personal consumer reports

I am deeply distressed by the credit report I have recently received. The situation seems entirely beyond control. It is astonishing to me that such blatant errors, which have such detrimental effects on individuals. I am prepared to take whatever steps necessary to hold you accountable for these poor reporting practices if you do not promptly and accurately address the issues outlined in this letter. I am unaware of the source of the following 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.
Product: Credit reporting or other personal consumer reports

There are 29 hard inquires on my credit report that do not belong to me
Product: Checking or savings account

I was scammed for {$1000.00} in my savings and {$500.00} in my checking account. I was also scammed by trickery for {$1000.00} on my credit card with XXXX XXXX. I contacted both my bank ( USAA ) and the credit card company ( XXXX XXXX ). Neither bank accepted my dispute and stated that because it was a scam and not fraud then I will not be refunded anything. I was then told by a co-worker that the CFPB is the next step. This is what happened with the scam. On XX/XX/21, I received a call at XXXX ( XXXX XXXX ). The first call was an automated message saying that my email was compromised and used for money laundering. I hung up and immediately got a call from the sheriff 's department ( XXXX ) XXXX. They asked if I wanted to turn myself in. They said that there was a warrant for my arrest because I failed to comply with the Department of Justice. I then got a call from special agent XXXX XXXX XXXX XXXX XXXX. He said that I needed to safe guard all my money and an agent will meet me the next day. He then said that I had to put all my money on XXXX  gift cards. So, went to XXXX 's grocery store and I got 2 XXXX  gift cards equaling {$1000.00} from my savings and 1 XXXX  gift card equaling {$500.00} from my checking. I had to drive home, so he said that I could got to XXXX  XXXX XXXX and get the gift cards from my credit card. I got 2 XXXX  gift cards equaling {$1000.00} from my credit card. After buying, he asked for the card number and access code on the gift cards. After about 3 hours of going back and forth with the special agent, he told me that I would get a call from an agent the next day to set up a time to meet.
Product: Credit card

I start a new account with them, Wells Fargo XXXX XXXX in XXXX and paid {$190.00} early, in XXXX payments in XXXX. Dated XXXX and XX/XX/XXXX. 

I received a statement with a due date of XX/XX/XXXX I made another payment on XX/XX/XXXX again exceeding the amount due They charged me late fees and added the following statement to my XXXX statement Reminder : You are required to pay the minimum monthly payment by the due date for each monthly billing cycle even if you made larger and/or additional payments in previous months. Your credit card account XXXX not be paid ahead to avoid making payments in future billing periods. You XXXX pay more than the XXXX XXXX XXXX at any time. However, to avoid late fees and delinquency we must receive at least the XXXX XXXX XXXX ( as reflected on each monthly statement ) on or before the Payment Due Date each billing period until your balance is XXXX. 

I requested information on how early this cycle was since my payments were made XXXX and XX/XX/XXXX. They declined to provide this information. Since I can not confirm a payment made XXXX or XXXX would have prevented the fees, I am unclear if I have to make the payment on the exact date of XX/XX/XXXX to prevent being charged.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I attempted to transfer approximately {$70000.00} of XXXX XXXX to Coinbase using the address supplied by Coinbase. The funds were removed from my transferring account, but were never deposited into my Coinbase account. Coinbase has no customer support and despite all my numerous attempts to contact them, I only get robotic emails stating that they are looking into the problem. There is no way to get a live person on the phone to address the issue. At this point, it is apparent that they have misappropriated the funds, and I am pursuing whatever recourse I have to collect my funds. PLEASE HELP! Thanks.
Product: Credit card

XX/XX/23 - This is the first date I disputed a charge of {$10000.00} to Merchant named XXXX XXXX. I sent Amex copies of the Demand Letter sent to XXXX XXXX, copy of Secretary of XXXX filing in Massachusetts reflecting XXXX XXXX entity dissolving from the State of Massachusetts and XXXX XXXX used Massachusetts provisional venue in their contract after they dissolved their company entity from Massachusetts. I also informed Amex that the services were not as described or received as Merchant advertised. XXXX XXXX sent Amex copies of a contract that was signed for another service purchased and was paid for by other means, not by Amex. Merchant sent in screenshots reflecting that I utilized their digital services but these screenshots were for a different service, not the service that was being disputed. I reopened the dispute several times with Amex after this date and Amex continues to this day to use the evidence the merchant sent to justify the charge being disputed. The dates of the contract and the screenshots are dated prior to the charge date listed on my statement. 

I was forced to hire an Attorney regarding the matter with XXXX XXXX and my Attorney has several other clients who have signed with her regarding XXXX XXXX 's deceptive trade practices. Amex has refunded other clients who purchased XXXX XXXX services for the exact same service and amount. This was sent to Amex and I requested Amex to change the dispute reason to : services that were not received and not as described. Amex has refused to reopen the dispute due to the merchant sending in invalid proof to justify the charge, which is a deceptive act. Due to Amex siding with the Merchant instead of their customer, I now have to sue Amex for picking and choosing who they decided to refund in regards to this Merchant and their services. I have documentation that reflects Amex refunding other consumers in regards to the Merchant known as XXXX XXXX, who are being represented by the same Attorney as myself, and Amex refuses to allow this evidence on my behalf. They disregarded my evidence and re-billed this service on my card. 

Amex keeps stating that their investigation reveals that I signed a contract that states no refunds for a service called XXXX XXXX XXXX, which is dated XX/XX/23 and was paid for by a XXXX lender named XXXX. The $ XXXX charge on XX/XX/23 was for a service called XXXX XXXX XXXX, which was falsely advertised and the services that were suppose to be received were not received and not as described. XXXX XXXX only sent a copy of a Stripe receipt for the XXXX  XXXX charge and the receipt indicates that it was not given to the consumer. XXXX XXXX sent in a copy of the earlier contract for another service. Amex is not protecting their customer and is refusing to refund me based on Merchant documentation that does not apply.
Product: Credit reporting or other personal consumer reports

I am concerned that Synchrony/Belk has not followed the Fair Credit Reporting Act ( FCRA ) and its regulations regarding the disclosure of my nonpublic personal information. 

Specifically, section 6802 of Title 15 of the United States Code ( 15 U.S.C. 6802 ) requires financial institutions to provide consumers with an explanation of how to opt out of sharing their nonpublic personal information with unaffiliated third parties. I have not received any such notice from Synchrony/Belk.

Additionally, section 1016.7 of Regulation E ( 12 CFR 1016.7 ) grants consumers the right to opt out of such information sharing at any time. And I am opting out as of now.

See attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze on my account with Equifax after their security breach. I was identified as a victim of that breach. I tried to unfreeze that account. I'd saved my PIN and thought this would be a straight-forward process. Equifax apparently has erroneous data on me in their database. I can not login online and was instructed to call an 888 number. I did so and a machine asked me four initial questions. Then the machine said they'd need to ask two more questions. I was then asked a question in XXXX! I do NOT speak XXXX! When I finally got to speak with a human being, she kept asking about my previous credit cards and department store credit cards. I've never, to my recollection, had a department store credit card. I've had the same bank account credit card for the past 18 years. But that was apparently not the credit card she was looking at on her terminal. She asked about a personal loan and an automobile loan. I believe I may have had a personal loan with my wife in 1985, but am not quite sure. I've no idea if that was the " personal loan '' she was speaking of, but I have not had another personal loan since. Also, I haven't had an automobile loan in 14 years. I remember it was for a XXXX, but I don't remember who the dealership arranged financing with and it was paid off over a decade ago. I told her all this and then she hung up on me. This was after being on hold for 20 minutes! 

They will not let me unfreeze my account and it is all because they have bad data on me in their database! 

The settlement they reached with the federal government should have been that they closed all operations. It is a disgrace how they operate. I need to co-sign a car loan for my daughter and I am completely stuck.
Product: Mortgage

On   XXXX   XXXX  , I Initiated a hardship request because of an unforeseen medical situation.   Expecting that payments may be late or missed for  1  to 3 months or some time between   XXXX   XXXX   and   XXXX   XXXX  .      360  Mortgage,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX ,  (   XXXX  )  XXXX , could not have done anything more to prohibit this request offered by HUD for assistance to lenders for with unforeseen life situations.     The improprieties were : 1. In the email correspondence provided, the loss mitigation specialist  XXXX   XXXX  after numerous requests to contact me by phone to clarify conditions on stipulation list never replied although confirmation emails were sent stating a reply would occur in  72 h ours. Replies never occurred, all contact information was initiated by  XXXX   XXXX .      2.  When speaking with  Cust Service t he gatekeeper for the Loss Mitigation Dept, those reps stated Federal hardship requests are rarely ever approved b y 360  Mortgage because of the guidelines with FHA. Without seeing the documentation or knowing anything re : the request, how can a Customer Service  Rep  make that claim?   3. The  Document Checklist  list for the Hardship Application had  25 d ocument requests, 21 had a box with an " x '' and  4  had a box that was empty. Assuming the " x '' meant required documents, they were sent to  Ms   XXXX  only to find out  one  day before the doc deadline  XX/XX/XXXX  that all docs would be required I furiously gathered a re-faxed docs on   XXXX   XXXX   the date of the deadline, only to find out  360 F ax was down that day.   *Ms.  XXXX   denied  the request and the hardship application was pulled on   XXXX   XXXX      3.  While this Assistance package nightmare process was going on I feverishly tried to keep up the payments, AND DID. While  XXXX  and  XXXX  were late, they were made. 360 reported tot he credit reporting agencies these late payments and now a refinance to go with another lender CAN NOT be attained.     I 've requested  360  mortgage to remove these derogatory items and they have declined for   XX/XX/XXXX   and  XXXX  of  XXXX .     Unfair trade practices, customer intimidation, overloaded loss mitigation and customer service staff, failure to follow federal guidelines for home assistance programs, failure to accept responsibility for electronic document transmission errors and erroneous reporting for extenuating circumstances are just a few of the process flaws that are systemic in the Mortgage  Origination, Servicing  and  Cusotmer Service  with 360 mortgage.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

This information is fraudulent it is a result of a data breach by XXXX
Product: Student loan

Aidvantage keeps notifying me of missed payments, and keeps billing me for my student loans. However, I havent even graduated yet, and therefore have not entered the grace period before repayment, let alone repayment itself. I have informed them of this by email, yet nothing has been done. I also have loans through XXXX XXXX, and they havent started billing me yet because they know I havent finished school yet, yet somehow XXXX thinks they can get away with fraudulently charging me and spamming me with missed payment notifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account created XX/XX/2022. This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation* ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take ne action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal actinike against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act Dislike You will be required to appear in a court venue local to me, since you are clearly doing business in my For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you wO be collected as evidence should any further action be necessary. This is a request for information only. and is not a statement, election, or waiver of status.
Product: Checking or savings account

My problem is with Bank of America, they are using my card in unauthorized payments called checkcards and then they deduct the total and after a couple of hours they return my money. I even have videos of that, they violate my privacy since I am not sure what they do with my money and Bank of America also doubled some purchases I made in XXXX and XX/XX/2022 I have more screenshots of that.
Product: Credit reporting or other personal consumer reports

The document the company provided is a document when I opened a bank account at another lending institution from when I was XXXX in XXXX XXXX. The document looks fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following entities to check my credit, again! XXXX XXXX XXXX, XXXX XXXX XXXX, ALLY FINANCIAL and XXXX   XXXX. XXXX says their clients have to remove, their clients say XXXX has to remove. Be here done this, not up for the fight!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

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

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX  but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.