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

I got my credit report looking to establish credit to find I have a credit score of XXXX loans grants mortgage auto loans credit cards and I've never had any of the above I've never had a bank account or did anything to establish credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these queries and I ask you to please delete them as soon as possible because they greatly affect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove address that I was never associated with also tried to dispute account it was fraud and they won't remove address in question is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX nevada when I spoke with experian they said they would have to inform creditor of my other addresses which is against the law
Product: Credit reporting or other personal consumer reports

This a follow-up to complaint XXXX. 

The account is held by XXXX XXXX 
As of XX/XX/year> this dispute pertaining to the same matter has come back as verified by the credit reporting agency.

I still have not received the information requested from the agency as verification. 
The disputed account is still reporting inaccurately. 

This credit agency is violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory and free for every account, not an option for us to have deal with with an arbitration clause thrown in. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been reporting late payments and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. This creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Product: Credit card or prepaid card

Fraudulent charges were made without using the card physically, I had the card in my possesion at the time. Here are the fraudulent charges : All were made in XX/XX/XXXX : XXXX, XXXX XXXX, {$100.00} / XXXX XXXX XXXX XXXX, {$1.00} XXXX XXXX XXXX XXXX, {$140.00} / XXXX XXXX XXXX {$12.00} / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} / XXXX XXXX XXXX XXXX {$42.00} / XXXX XXXX XXXX  {$77.00} XXXX XXXX  XXXX {$44.00} / XX/XX/XXXX XXXX XXXX {$21.00}
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 there was an inquiry that appeared on my XXXX credit report that I did not initiate. The company name on the report was XXXX RISE. I contacted the Company directly and they confirmed that someone had fraudulently used my name, address and SS number to electronically open an account. I was instructed to file a claim with the FTC ( Report Number : XXXX ) and to send copy of my ID for them to begin an investigation.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had 2 late payments on an account I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX of XXXX for account # XXXX, and dates XXXX of XXXX for account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I opened up an account with Coinbase. The next day I purchased XXXX  coins, totaling {$5000.00}. Only thing I had to provide was an e-mail address and confirm the computer. Coinbase allowed me to purchase coins immediately and drafted from my banks immediately as well. Also, I deposited an additional {$5000.00} into cash. Within a few days later I deposited another {$10000.00}. Never had to show them any other proof, Driver 's License, etc. 

A few days later go by, and somehow I am locked out of my account. not allowing me back in. I tried many times to reset passwords, etc. Coinbase even came back and e-mailed stating that there is another {$10000.00} in the account. The account is still active, the company will not allow me in, even after multiple times of proving my identity. I even have the XXXX authenticator that changes the digit code every 30 seconds. Changed all my passwords and verified with XXXX XXXX that my SIM card has not been hacked. Ran a virus check and followed all the steps. 

I have provided them photo ID 's and reset my password and even have a 2 Factor authentication set up. There have been a string of e-mails back and forth, and it appears that these are automated responses. Now I am locked out of my account without any recourse, as I have heard that once you are locked out, you could be in this cycle of opening and closing cases. 

I have attached the sequence of e-mails showing exactly all the communications, from set up to deposits, to purchases, etc. I removed the e-mail address and names as per your instructions. 

They rejected my account recovery, only to make me start over again. 

Please help me on this as I feel that the {$20000.00} is now gone. A US company based out of California in where I am in the dark. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to a notice sent to me on XXXX18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX
Product: Debt collection

I was contacted by this company claiming I owe a debt from XXXX, something that is not on my credit and hasnt been since at least XXXX which was as far back as my records went. I told them they needed to send me proof or some sort of verification of this debt to my via the mail and not to contact me again by phone. They have continued to use spoof calling to me and my family members leaving messages with no information, calling me a person of interest whatever that means, and every time I block one number they spoof a new one. They will call back to back to back when I decline the call. All the fake numbers they use lead back to portfolio recovery
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX IS MY BOA CREDIT CARD. I CAN NOT GET THE LAST 2 STATEMENTS. BOA DOES NOT RESPOND. BOA IGNORES THIS REQUEST. BOA REFUSES TO ANSWER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to send a copy of a letter to remove a credit card with XXXX off my credit report. Please see attached the letter I received today from XXXX. So to XXXX  experian and XXXX  please remove this account from my records. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

AmeriCredit XXXX XXXX doing business as XXXX XXXX took me to court. The case ruled in my favor, I do n't owe anything! However, they are still on my credit report showing I still owe them. The courts have ruled back in XXXX XXXX XXXX that I do not owe anything. They are reporting incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

I KINDLY REQUEST YOU BLOCK THIS INFORMATION FROM MY CREDIT REPORT, PURSUANT TO SECTIONS 605C OF THE FAIR CREDIT REPORTING ACT.I AM A VICTIM OF XXXX XXXX XXXX XXXX  AD WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have asked Mohela ( per my last complaint filed with the CFPB in XX/XX/XXXX ( closed case XXXX ) : I am still having the same exact issues- they have not given me an explanation for why these time periods are not being counted. I have asked for forbearance until they sort it out, and they failed to respond to that request. See my previous complaint - everything still applies, except now it's going on 2 years, I am required to make payments that are UNJUST, and they continue to brush me off and not answer my questions. They are not counting payments from XXXX XXXX XXXX and XXXX XXXX XXXX. I have documentation of those payments made. This is agonizing and no one has paid attention in the 2years I have been in this loop. It's causing stress and XXXX because of their complete inaccuracies and incompetencies to handle this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$920.00}. 

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 card

CFPB : YOUR FINAL WARNING FALSELY MARK MY COMPLAINT AS A DUPLICATE ONE MORE TIME AND I WILL BE TAKING SCREENSHOTS OF MY COMPLAINTS AND WHAT YOU DID WITH THEM AND FILING A COMPLAINT TO THE OFFICE OF INSPECTOR GENERAL ( OIG ). SO GO AHEAD, DO IT ONE MORE TIME ATTENTION CFPB : THIS IS NOT A DUPLICATE COMPLAINT. XXXX has absolutely nothing to do with XXXX. First of all, these are claim numbers that Ive never reported to the CFPB before. Notice the XXXX at the end of each one?? XXXX XXXX, and XXXX XXXX. These are only from last month, so theres no possible way this can be a duplicate complaint. Pay attention. Also look at the documentation I attached to the complaint Completely different than the documentation from the initial complaint. Again, pay attention Secondly, theres a reason why theyre the same claim numbers but have XXXX  with a dash and numbers after them. Because the reason for dispute is completely different than what it was before, which is Paid for by other means, whereas before it was Defective merchandise. Hence, New Claims. So again.. Pay attention!!! Now thanks to your negligence, nothing was done with my complaint for more than XXXX weeks and now I have to start all over again!!! 

Chime has once again disgracefully mishandled and denied my disputes Claims XXXX XXXX, and XXXX XXXX. Both were filed under Paid for by other means, and I sent them a clear bank statement for all charges in question, which show and prove that the merchant charged both of my credit cards for all three transactions, hence why I filed the disputes and under Paid for by other means. I also just wasted a whopping XXXX minutes on the phone with them arguing with a supervisor that wasnt making any sense, saying that the merchant provided them with so-called compelling evidence for both disputes, which was why they denied them. XXXX, thats what that is. There is literally nothing they can respond with that can argue statements from my other bank showing the same exact charges from them on the same exact day. Bank statements overrule everything. There is only XXXX reasonable explanation to Chime denying my disputes, and that is because they are afraid of getting sued by a big corporation So thats nice. Cardholders can never dispute a charge against a big company just because Chime is afraid of them. That is not my problem. They can take the funds out of their own pockets then. If I do not get these transactions posted back to my account, this complaint will remain on file, and I WILL sue Chime for the funds, after being negligent with my disputes!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from PayPal that I can no longer do business with them. XXXX XXXX - XXXX This email did not provide a reason and phone calls to PayPal support would not answer questions. Their email says they may hold the money for up to 180 days. 

On XX/XX/XXXX I created a case on the XXXX. ( " XXXX XXXX '' ) I did not receive a response until XX/XX/XXXX. Their slow response was unwilling to assist or further explain. ( " XXXX XXXX '' ) I also contacted the XXXX XXXX Attorney General office on XX/XX/XXXX. The NY XXXX was unable to assist. ( " NY XXXX XXXX '' ) On XX/XX/XXXX, I emailed XXXX. ( " XXXX - Customer Support Fails to Assist Account Limitations ( 1 ) ( 1 ) .pdf '' ) All other attempts at contacting PayPal were unsuccessful and did not lead to a resolution, further detail, or a way forward. Their response on XX/XX/XXXX indicated : " Due to the potential risk of chargebacks and other forms of reversals, your remaining balance will be held for 180 days from the date the limitation was placed on your account. I will personally follow up with your account to ensure that the funds are available to you at this time. ". ( " XXXX - Response from XXXX in PayPal XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) .pdf '' ) During this time span no chargebacks or other forms of reversals occurred. According to this, I am entitled to withdraw my hard-earned account balance of {$3300.00}. I never received a follow-up email about the status of my funds. On XX/XX/XXXX I replied to the email asking for an update but received no response. 

After over 180 days passed I logged into my account to see the account had been emptied by them without notification. I received no email that a withdrawal transaction had occurred. My account was signed up for email notifications when it receives money or has money withdrawn. This transaction did not notify by email as it should have. 

In XXXX, I began working with the Law Offices of XXXX XXXX XXXX, XXXX We put together a formal demand letter which was submitted on XX/XX/XXXX. ( " PayPal XXXX - XXXX ( XXXX ) .pdf '' ) This letter was addressed to their legal department. We received a response dated XX/XX/XXXX. It should be noted the response received is from " XXXX '' in XXXX Escalations despite this letter being sent to their legal department. 

Additionally, on the same day of XX/XX/XXXX, my father XXXX XXXX 's account with a balance of {$8100.00} was also suspended. ( " XXXX XXXX Account XXXX '' ) His account was emptied without notice and we were not made aware of this until he logged into the account. The details of this are also summarized in the demand letter. 

Complaints are also being prepared for submission to the XXXX, New York XXXX XXXX house representative XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, and resubmission to the XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On this date XX/XX/2019 company opened a collection. 
Account # XXXX {$2700.00} That I owe I have never signed any written documents saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX
Product: Checking or savings account

these transactions occured on XX/XX/XXXX when 2000 withdrawal was made in one day from all non chase ATM. At other times it was money being transfereed from between both of my accounts then withdrawn. I have reported unknown transactions they credit my account then to write me and say i owe them. there is no possible way 2000 $ was withdrawn from ATM. My account was hacked and thousands was taken.