23daVinci/CFPB_Complaints huggingface dataset:
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance {$5000.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX Balance {$1700.00} Opened XXXX XXXX, XXXX XXXX  XXXX XXXX / XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. I have read that under the Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies, YOU, are required to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed accounts and information off my Credit File as soon as possible.
Product: Money transfer, virtual currency, or money service

COINBASE. 

I have been using this app to trade with virtual currency and after using it for several months this message appeared suddenly : " YOUR ACCOUNT IS CURRENTLY BEING REVIEWED AND WE NEED SOME TIME TO VERIFY YOUR INFO. DURING THIS REVIEW, YOU WON'T BE ABLE TO USE COINBASE. REVIEWS GENERALLY TAKE A FEW DAYS, SO SIGN IN EVERY DAY OR TWO TO CHECK YOUR STATUS '' It has been over three months ( not just a few days ) that i havent been able to use my account therefore I can not get my money back because my account is always being reviewed.

This company, COINBASE, is reviwing my account after it had already been verified and properly working, so now I do not have access to my money.

Do please help me to get my money back because they are my savings. If I can not use the app I should be able to get back my money so please I would very much appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you remove the following inquiries from my credit report : XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed that an institution named XXXX made a hard inquiry on my credit history on XX/XX/year>. As you may know, hard inquiries remain on credit reports for up to two years and can negatively impact my credit score and future financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all XXXX of my bureaus to reflect a zero balance and a zero payment.
Product: Debt collection

CFPB THIS IS NOT A DUPLICATE MY LAST COMPLAINT WAS MARKED AS DUPLICATE MY QUESTION WAS NOT PROPERLY ANSWERED : I, XXXX XXXX, Consumer, just have a simple question for XXXX XXXX XXXX XXXX. Please provide me with Documentary Evidence meaning all papers, correspondence, books of account, and financial and corporate records. Because XXXX XXXX XXXX XXXX stated Please note that XXXX XXXX is not a nationally recognized credit reporting agency and we do not report accounts to them. I totally understand your words XXXX, However, you do report to Experian XXXX XXXX XXXX XXXX, etc. Now can you please provide me with the details, documentation of how I, XXXX XXXX, paid 85 % of the loan XXXX stated was loaned to me XXXX XXXX? Because it is evident that the same 85 % paid of the loan are being reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports to. So Im simply asking a question, Im aware that XXXX is not providing me with full disclosure according to 15 U.S. Code 1632. Now can you please provide me with full disclosure. And If you cant provide me with proof and full disclosure of what XXXX XXXX XXXX XXXX are reporting to the credit reporting agencies, I am putting you on notice and demanding that XXXX XXXX XXXX XXXX cease and desist communication with my consumer credit reporting and remove all negative and illegal items you are reporting on my behalf pursuant to 15 U.S. Code 1692c ( c ) and UPDATE my account to the credit reporting agencies as PAID AS AGREED. Also, Pursuant to 15 U.S. Code 1681s ( B ) Thanks in advance for your cooperation. Best regards, XXXX XXXX, federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX : {$9800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX
Product: Checking or savings account

On or around XX/XX/2022, I received a text notification from my bank JP Morgan Chase stating that a purchase was made through XXXX. I replied back to Chase through text message stating that the purchase being made was not me. I logged into my Chase account and noticed that numerous purchases were made totaling up {$1100.00}. I called Chase customer service and notified them that the XXXX purchases on the account were fraudulent. Chase customer service froze my account. 3 days later Chase reissued my money. A week later Chase withdrew the money back. I call customer service again asking why they withdrew the money. Chase stated that they did an investigation. Their investigation consisted of calling XXXX. XXXX stated that the items that were purchased were signed and delivered by XXXX to my address. I informed Chase that that was false. I have a video doorbell and i can send them the video footage of the day and time that XXXX stated that the packages were signed and delivered. Chase stated that they can not take the video as evidence. So, I went to XXXX headquarters with all the tracking numbers. I was able to get the addresses that the items were actually delivered to and the names of the person who signed for the packages ( which was not me ). I went to the police station and made a report and gave them all the evidence i gathered. They started their own investigation. I called customer service for about the XXXX or XXXX time now. Informing them with all the new evidence and the police report. Chase customer service stated that the time frame of the investigation has lapsed and they exhausted all their resources. As far as XXXX, I was unable to open up an investigation because I went to a Chase Bank first and therefore they can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX. ) XXXX XXXX : {$710.00} Date Opened : XX/XX/XXXX
Product: Debt collection

I was originally told of a debt with XXXX back in XXXX of XXXX. So I paid it. Now 5 Years later they are claiming I had XXXX accounts with XXXX. I asked the agency for proof of both debts and they told me they did n't have to provide that. I states if i request it you do its the law. They said no. I called XXXX They stated the account was closed in XXXX yet the collector states this was owed in XXXX. The information from XXXX is not matching the debt the collection agency is trying to collect on.
Product: Mortgage

Hi CFPB, I've refinanced my house in XX/XX/XXXX. Not long after that, in XX/XX/XXXX, my contract was then transferred from the original bank that refinanced my house :  XXXX XXXX ( debt collector : XXXX ) to a new debt collector called Ditech. The problem is that, because of a miscommunication between the companies and me, I should have started to pay Ditech in XXXX, but, instead, I've started paying in XXXX. 

After paying Ditech, I was informed by XXXX that I should send a check to them in order to cover XXXX, what I've done and can proof. So, then, I've called Ditech and they told me that were going to use the XXXX payment to cover XXXX and should be all set. 

They never did. Instead, they've paid XXXX for XXXX, so then XXXX received two payments, one from me, and one from Ditech. 

Last month I've contacted Ditech to negotiate my interest rates and they finally discovered the problem. As soon as this happened, they've started to charge me two mortgages, instead of one and also started to send letters threating me about foreclosure. 

I've called Ditech and said that they have to get reimbursed by XXXX. They said that they can't do anything about it and that I should ask XXXX to reimburse me instead, so then I should use the money to pay Ditech until the end of this month, otherwise, it will have consequences ( more threats via phone ).

I've sent two faxes, one to Ditech and one to XXXX, showing my proof of payments. I've contacted XXXX, but they said that just solve problems like this via fax. The problem is that the time is passing by and they've never replied to anything, even though my fax has my phone number, email and all the details of my account. When I call them, they say that don't have any information about my account. 

I want to solve this asap as this will affect my credit and also because I don't want to pay interest rates, as this was never my fault. 

Thank you so much for your services CFPB. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB report has been filed to request pursuant to FCRA 605B ( 15 USC , 1681C-2 ) that you, the Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consist of XXXX hard inquiries : 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 have attached a copy of the hard inquiries maintained by Experian which shows the aforementioned fraudulent items.

I do not recognize the aforementioned hard inquiries appearing on my credit report maintained by Experian were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint number XXXX, as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute certain accounts that are held by your company. The accounts in question are as follows : XXXX XXXXXXXX XXXX  XXXX : late payment account XXXX XXXX XXXX XXXX : charge off account XXXXXXXX XXXX XXXX : inquiries on XX/XX/XXXX I believe that your company has violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and/or the Fair Credit Billing Act ( FCBA ). 

The specific violations that I believe have occurred are as follows : With respect to the XXXX XXXX XXXX account, I believe that your company has violated the FCRA by reporting a late payment on my credit report when the payment was made on time. This has caused my credit score to decrease and has made it more difficult for me to obtain credit in the future. 
With respect to the XXXX XXXX XXXXXXXX account, I believe that your company has violated the FCRA by reporting a charge off on my credit report without providing me with proper notification and an opportunity to dispute the debt. This has caused significant harm to my credit score and has prevented me from obtaining credit. 
With respect to the XXXX XXXX XXXX account, I believe that your company has violated the FCRA by making unauthorized inquiries on my credit report. These inquiries were made without my permission and have caused my credit score to decrease.

As a result of these violations, I have suffered financial harm and/or other damages, including being denied credit and having my credit score decreas
e.
Product: Debt collection

I sent a debt validation letter on XX/XX/2021 via certified mail. The debt collector failed to respond to the requests for validation and continues to contact me. 

Attached is Debt validation and response after validation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit file. I applied for a secured loan through XXXX XXXX. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. XXXX XXXX did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with XXXX XXXX they said they would remove the lates, yet they have nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in Accordance with the FCRA this creditor has violated my rights under Section USC 1681 Sections602 i have a right to privacy 15 usc 1681 Section 604 A consumer agency may not report an account with out my written instruction 166B a consumer ca not treat a credit card account as late for any purpose
Product: Debt collection

Opened an electric account with XXXX back in XXXX/XXXX/2014. 
The account, however, was closed ten months later due to irregularities in billing and the fact that such account was been inflated with excessive fees.The problems revolves around the fact that after having closed the account for such reason.I.C SYSTEM Inc a collection agency on behalf of XXXX has engaged in practices I consider to be instigative and harrassive.Since they have continued to call my house in order to demand payment for early termination fees. despite the fact that I never entered into contract with XXXX.
Product: Credit reporting

I was to file bankruptcy and pulled credit report. In XXXX 2014, XXXX XXXX and XXXX reporting I owe them. Called to get original bill and also called XXXX XXXX XXXX where original bill is. XXXX states I only owed {$76.00} which I paid. I went into office and they stated my credit report would be cleared. Called Experion XXXX 2014, and I was told XXXX XXXX is reporting correctly stating I still owe them {$110.00}.
Product: Mortgage

In XXXX of XXXX my wife and I contacted Bayview Loan Servicing for a loan modification to our loan payments. That request was denied in XXXX of XXXX stating that our debt to income ratio was to high. 

However Bayview instituted a repayment plan that went into affect in XXXX of XXXX which increased our monthly payment from {$1500.00} per month to {$1900.00} Due to my wife 's illness and diagnosis which began in XXXX and stills continues to now I contacted them in XXXX of XXXX to get some relief with our mortgage payment and they agreed to a one-time payment of {$1700.00}. 

I contacted them today, XX/XX/XXXX for some help and was told that there was nothing that they could do. If we had a COVID 19 situation, they would consider a ( 3 ) month forebarence but after the ( 3 ) months all payments would need to be caught up. 

This company represents investors only and as far I've expericiend they have not done anything to help me and my wife,
Product: Credit card or prepaid card

I have a Citi Aadvantage Mileup card. I have had several accounts with Citi over the years, and always made my Payments on time. I have spent At least {$50000.00} with them over the past couple years. There was always a policy of waiving 1 late fee per year. Recently I was going through my accounts and changed some due dates on my accounts. This past month I confused my cards and paid 2 days late thinking it was the other Citi card. When I called to ask the fee be waived, the original respresentative stated that they can only waive one fee per year. When I asked when the last one was, I was told XXXX. It is now XXXX so I asked if they could waive this one, and was transferred to a customer service manager.  He was very rude and refused to waive the fee, stating the policy was changed and they dont waive fees anymore. I was never told of that policy change. I believe I should be refunded the Late payment fee.
Product: Checking or savings account

On XX/XX/year> I used my cash app card for a hotel room for the weekend the hotel required a deposit. I check out the room on XX/XX/year>. Cash app is still holding my deposit {$100.00} Ive tried contacting cash app many times with no help. The customer service is bot and keeps giving me the same answer they cant expedite cancellation. I have tried reaching out to a supervisor just to tell me the same thing they cant do anything every time I contact cash app they cant help me the hotel says everything was sent back. I contact the hotel on XX/XX/year> they advise me the money was released once I have checked out and sent me a copy of my receipt. I sent the receipt to cash app and they still was no help and still have my deposit. I have contacted the hotel again on XX/XX/year> they told me to reach back out to cash app because they dont have my money.
Product: Credit reporting or other personal consumer reports

These accounts greatly affect my credit history, I want it to be reviewed and the negative information removed 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
Product: Credit reporting 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rights. 15 USC 1681 Section 602A States ; I have the right to privacy. 15 USC 1681 Section 604A Section 2 ; It also states a consumer reporting agency can not furnish the account without my written instructions. 15 USC 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 reporting by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) ; A person should 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: Debt collection

Bull City Financial Solutions has been reporting inaccurate information to the credit reporting agencies and damaging my credit. I sent them notice to validate the debt, and I am still waiting on a response. The information is so damaging that I can not even rent an apartment because they have destroyed my credit. For the record, I have never done business with this company, and it is unfair to me and my family to have to deal with this.