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

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Credit reporting or other personal consumer reports

I am a victim of identity theft and have contacted the credit bureaus many times to get the fraudulent inquiries removed from my credit. Unfortunately, the credit bureaus are violating the credit law and have NOT removed these items off my credit reports. These inquires with the dates to it are listed below : 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/year>
Product: Money transfer, virtual currency, or money service

I am I am writing to formally express my concerns regarding XXXX handling of disputes particularly light of recent cfpb lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies my financial bank and zelle failed to investigate my claims adequately. They inform me that recovery loss funds was impossible and that tracking these transactions was undoable.
Product: Debt collection

XX/XX/23 FJS Global contacted me in regards to a debt I supposedly still owe, which would be over XXXX XXXX XXXX at this point. They stated that I there had been written notices sent about the debt, which I have never received, nor ever been contacted about before. 

I was threatened with wage garnishment and being served at my home or place of employment by a process server.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone Used my account and deposited checks in my account. I tried to contact Chase multiple times over the years to resolve this matter. I told them that someone stole my information and used my information and withdrew {$200.00} after depositing the checks. Chase have not resolved this after 3 years and it still is reporting on my name and the account is charged off. The transaction happened on XX/XX/XXXX. I sent the information to them back in XX/XX/XXXX and they still have not resolved this matter nor responded. It was a chase liquid account and the account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX and XXXX XXXX.
Product: Mortgage

Ditech is current servicer on a mortgage loan transferred to them from Green Tree. All correspondence from them relating to possible modifications or other remedies come in the form of a letter, but it is never signed by anyone. Seems to me that whoever is sending me a denial etc should sign the letters. I feel that ever since the transfer of the loan that one person should be my contact in loss mitigation/modification dept. so I have a name and phone number. Personal contact is needed, but seems to me they always are changing people and its almost like starting over when a new solution is possible. Poor communication with no one person really having the authority to solve the issues involved. Suggestion that I make for a possible remedy never are presented to XXXX XXXX on my behalf.No real flexibility in working out a solution to prevent a foreclosure.
Product: Student loan

Today XX/XX/XXXX I called regarding a decrease in a disbursement that was made back in XX/XX/XXXX. I was told that I wont see the credit or any deductions on my account because its a small amount of {$180.00}. They scam me out of my {$180.00} and I feel helpless. I dont know what to do. They were really rude on the phone and even hanged up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

I am in receipt of your letter claiming that I owe your company for a debt. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you.I have not to date XX/XX/2024, received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. & XXXX ; As per the FDCPA, it is a violation for any debt collector to pursue collection activity on an account without notifying the debtor in writing within 5 days after any communication. If you are unable to provide me with proper proof then you must stop attempting to collect this alleged debt. If you continue to claim I owe a debt that you can not confirm with proof then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act.Please forward your documentation. Please note that proper documentation is not a print out or bill from you but rather actual proof of the debt 's existence.Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, Experian or XXXX ), said 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 to bring legal action against you 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, I will require at least 30 days to investigate this information and during such 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. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years now ( about 8 ), creditors, like XXXX Credit Card ( XXXX XXXX ), XXXX, XXXX XXXX, and XXXX ( to name a few ) tell me that I have a credit/ fraud/ extended alert on my credit profile. 

Example- I applied for a Chase card recently towards the end of XX/XX/2021, and I received a hard inquiry ( as expected ), however, I then received a letter stating that I have an extended alert on my profile, specifically from XXXX , and that they can not continue with my request. 

Unfortunately, this was an inquiry for nothing ... I've gathered so many inquiries with no result because lenders can't continue with a credit to open or update credit. 

Sometimes, some banks will ask me public records questions to proceed with my request, other times, they say they don't have the capacity ... 

This same thing happens when I ask banks for credit limit increases ... 

According to the lenders, the alert they receive from the bureau says that they need to contact me to verify my identity, but that I have no phone number on file. 

This happens with all three credit bureaus ( XXXX, XXXX, and experian ), yet all three verify I have no such alert, and that my phone number and contact details are in fact listed on my report. 

My credit has suffered tremendously because I can't reach anyone who can help me with this. 

Today, XXXX XXXX, I've called all three bureaus again. I've written before, too. All three say I have no alert and that the lenders system is at fault. This can't be, as its multiple lenders!
Product: Checking or savings account

On XXXX, 2022, my account was closed chime did not tell me why are what was wrong they did not give me any dates or any specific charges or anything specific that made my account close
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against all 3 credit bureaus : Equifax, XXXX and XXXX. Im a victim of fraud and previously I submitted a complaint against XXXX XXXX   since they are refusing to remove a fraudulent account from the all 3 credit  bureaus. The account is from XXXX XXXX account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an SC-100 claim as a last warning in case that account still reflects on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $ FCRA violations : addresses not mine XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX FM XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$7400.00} written off. 
XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX number : XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/ I initiated a transfer from my Coinbase vault to my Coinbase wallet. The transfer is still pending I didn't worry too much about it.I had money to spend in my wallet and I have generally been very happy with the services they provide. On XX/XX/XXXX I called their customer service number. The person who answered only took information and was unable to assist me herself. She documented my problem and assured me an 'expert ' would e-mail me back. It has been over two weeks and I not received any response. The amount was XXXX which is probably about {$6000.00} today. 
I'm not real happy. I have since seen a video of someone who had this problem and it was because he didn't confirm the transfer in both emails. 
I only have one e-mail to confirm in my inbox. It is possible that if they sent me two back to back with the same title, that I deleted what I thought was a redundant copy. In either case My money doesn't show in either location. It is in limbo and I feel held hostage as I am getting no assistance in resolving this issue. Thank you for your help.
Product: Checking or savings account

On XX/XX/2021 someone accessed my Cash App account without authority. They proceeded to sell nearly all of my stocks I owned on there. They sent money to someone for {$33.00}. I didnt authorize this nor do I know the person. The person then removed my bank account and card from my account and then added theirs. They proceeded to withdraw {$2000.00} from my account to theirs. Once it went through the removed that card from my account. I filed a claim and called Cash App Support on XX/XX/2021. They were both automated answers and didnt answer the many questions I have. The pictures attached were taken today, XX/XX/2021, as long with this complaint since Cash App was not able to help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has continued to withdraw {$19.00} from my bank account for an unknown service without prior authorization. On XX/XX/23 I spoke with several supervisors, and was disconnected twice. No one would or could resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a pre-paid line of service with XXXX XXXX and I called a multitude of times to have the account closed during the 10 - day online only grace period to ensure it wasnt billed. Needless to say they failed to close it and ended up billing me. I had been told that it was handled 2-3 times and that it would not go to collections. Needless to say it ended up on my report causing my refinance on car to come at higher rates and denials on credit lines I could have used during COVID-19 pandemic. Each time I call XXXX XXXX eventually told there is a ticket number and that the request to remove it from my credit report had been made however at this time theyre still fraudulently reporting this inaccurate and negligence collection to my report. ( Paid In Full )
Product: Credit reporting or other personal consumer reports

Dear Transunion, Subject : Second Notice Follow-Up on Charge-Off Dispute and Request for Documentation Regarding Account Number XXXX XXXX On XXXX XXXX I sent you a formal dispute letter regarding the reporting of the charge-off account associated with Account XXXX and and XXXX XXXX XXXX XXXXXXXX on my credit report. In this letter, I requested the following : 1. Authenticated double-entry accounting records for the account.

2. Authenticated evidence, including original signed contracts or agreements, verifying the legal right to collect and report the debt.

3. A copy of the 1099-C form, if the debt has been canceled or settled for less than the full balance. 

I requested a response within 30 days of receipt of the letter, but I have yet to receive the requested documentation or confirmation that the account has been deleted from my credit report. This lack of response constitutes a failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), as well as 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) . 
Furthermore, in XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX  ), it was determined that furnishers are required to conduct a proper investigation of disputes and verify the accuracy of information reported to credit bureaus. Your failure to respond and provide the requested documents is a violation of both your federal and state legal responsibilities. 
In light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I do not receive the requested information within 15 days, I will be forced to escalate the matter further, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with the FCRA. 
Pursuing legal remedies, including statutory and actual damages, as permitted by law. 
Reporting this matter to the IRS and submitting a Suspicious Activity Report ( SAR ) regarding any potential fraud, should you continue to report inaccurate or unverifiable information. 
This will be my final attempt to resolve this matter directly with you. Please respond with the requested documents or confirm the deletion of this account from my credit report by 15 Days from the Date of This Letter. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX believe there may be inaccuracies in the reporting of this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of any information that I believe to be incorrect. Please provide me with the details of the investigation conducted to verify the accuracy of this account information.

If the information can not be verified, I request that it be promptly removed from my credit report. Please send me written confirmation of the results of your investigation.

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

To whom it may concern i am an consumer i have repeatedly tried to contact XXXX, XXXX, and Experian via letters and they have repeatedly and purposely avoided fixing the issues, with my consumer report, on the date of XXXX i sent my first certified letter with no response for months and i sent more letters and still no response. the letters stated that XXXX, Experian, and XXXX were inaccurate reporting items on my consumer credit report.I read according to 15 U.S. Code15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

My student loans were forgiven in XXXX after completing more than XXXX payments for the PSLF program. I overpaid and Mohela let me know that I would receive a refund for a little over $ XXXX and that I would receive the money within 90 business days. I call back in XXXX to check in on the refund and they said that it wasn't actually processed and that they were going to do it then. I have called back numerous times since then ( and several times in the last month ) when I called today ( XX/XX/XXXX ) they claimed that because of a system change they still hadn't sent my refund to the US Treasury. I have a feeling I will never get this money back because no one I've spoken with has been able to give me a straight answer about where this money is.
Product: Credit card or prepaid card

I have had a kohl 's credit card account for at least 5 years or even more. I pay my kohl 's credit card bill faithfully every months since I have had it. Well I sometimes get busy at home and miss the deadline to make the payment which will be after XXXX so even if I pay the bill the same day they will still charge me a late fee when technically it's the same day of the due date, so then I have to waste my time during my day to call kohl 's customer care to ask them to please waive the late fee bc I paid the due date just an hour or two late well the last time I called to get a fee removed they had me on the phone for an hour and nothing was getting resolved I was so upset and frustrated that they did not come to a helpful resolution I was angry and when I went to back out of my parking space I was still on the phone with a kohl 's customer service rep who had me on the phone for an whole hour not resolving my issue. We were on XXXX talking and I had to get off the phone but he kept talking and wouldn't hang up and I back up and a truck crashed into me so now not only did kohl 's customer service do absolutely nothing to help resolve my issue that I called for. I am now looking at paying for car repair. I am disputing all late fees with kohl 's. I am disputing that they all be waived or refunded at credit on my credit card bill. I've tried working with them but they will not work with me.