23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 items in my report and found that I need to visit the 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 items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that 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 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 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 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 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 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 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 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 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 unde

r 15 USC 1681.

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 informationisinaccurate.
Product: Credit card or prepaid card

I was calling in to the credit card company, to make a phone payment for  XXXX   2017 , as I do every month. The voice message informed me, before I could even make payment, that I was charged a {$25.00} late fee on  XXXX / XXXX / 17  ( for no payment made ) and now I owe, as of when I made call on  XXXX / XXXX / 17 , {$84.00} for month of  XXXX  and {$100.00} for current month of  XXXX . I then reached out to representative this evening to ask why I was charged a late fee for  XXXX  and expected to m ake x2  payments now ( for  XXXX  &  XXXX   ),  when I made {$100.00} payment on  XXXX / XXXX / 17  for the month of  XXXX .  (  Mind you, I also made {$100.00} payment on  XXXX / XXXX / 17 , so  XXXX  was paid up as well ) .The  XXXX  representative told me that since my payments are due on the  XXXX  of every month, I paid my  XXXX  bill too soon so it does n't count towards my  XXXX  bill and since there was no other payment made closer to the  XXXX , it was considered no payment made, I was considered delinquent in payment and now I owe for both  XXXX  and  XXXX  with late fee. This is crazy to be penalized for an early payment made during the month a payment is due. I closed this account some time ago and I am just making payments until balance is zero. It just seems like the bank is taking advantage of paying consumers. I have not yet made my  XXXX  payment. This is so very wrong.
Product: Debt collection

I was contacted from a no caller I.D, left a voicemail that I need to call ( XXXX ) XXXX in regards to case # XXXX and that I have been warned. When I googled the phone number there was multiple reports that it was a scam. When I called they wouldnt tell me who they were calling on behalf of or what I owed on my so-called debt. The gentleman that I talking to wouldnt tell me his name and said I should be ashamed of myself for not paying my debt and that I should be familiar with this process since Ive been summoned to court for not paying my debt. Then he hung up on me. When I called back I said yes, I was rudely hung up on and he immediately went off on me saying that I was rude then told me what my social security number is and that he had my credit report pulled up in front of him without me saying who I was and verifying who he was speaking to before giving out sensitive information. Then he told me that I was going to be arrested and he is going to issue a warrant for my arrest and that they will find me at work tomorrow.
Product: Credit card or prepaid card

I asked for my account to be closed and for my credit balance to be refunded. My balance was credit of {$38.00}. Comenity sent me two checks, even though I only asked for one. The first check brought my balance to XXXX. Comenity then sent a second check which created a debt on my account of {$38.00}. I received no communication from Comenity that this happened, and because my payment instructions had already been cancelled, no payments were made on this unexpected {$38.00} balance. Comenity has charged multiple late fees and interest on this {$38.00} duplicate check that they sent me, even though it 1 ) was not a purchase, 2 ) was billed to my account after I had requested account closure, and 3 ) was 100 % Comenity 's error.
Product: Credit reporting or other personal consumer reports

In the year or XXXX, I expunged my criminal record with XXXX XXXXXXXX XXXX and it was granted. Now it is XXXX and my record is showing up on my background check through first advantage.
Product: Checking or savings account

Today - XX/XX/XXXX - a direct deposit from my wife work ( amount of {$2400.00} ) was deposited and was not credited to my account. the bank institution is capital one 360. I contacted the company to find out why, the only answer given was there may be an error with their system. The only thing they said they could do was file a claim. The terms they quoted once they begun did not match the issue and it seemed like they did not know what to do in this situation. Once I spoke to a manager of the claims department he admitted this was a unique situation and wasn't really sure how to proceed besides filing a claim. This left me feeling very unsecure and now we are looking at financial distress and anxiety due to those funds not being posted as they should have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police report files ftc Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC. 

XXXX XXXX : In the XXXX XXXX breach, XXXX XXXX people in the United States and XXXX XXXX in Canada were affected. According to the bank, most of the stolen information came from the credit card applications of consumers and small businesses. ... XXXX XXXX has posted information about the .. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XXXX  XXXX, XXXX
Product: Debt collection

I have a a unverified account fromI CARDINAL ACCOUNTS INC. I had previously disputed this account. I have never done business with CARDINAL ACCOUNTS INC. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CARDINAL ACCOUNTS INC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card

A year ago I used a Well Fargo credit card through XXXXXXXX XXXX XXXXXXXX the charged {$1300.00} in credit. I was told I would not be charged any interest if the amount was paid within a year. I made as many payments as I could and had balance of {$52.00} before the year ended. 
I was of the view that if I incurred any interest, it would be on the unpaid balance. 
After the year ended, I was charged the full amount of interest on the {$1300.00} of {$260.00}. 
I believe this practice is a form of predatory lending and it should be either controlled or abolished.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been well past 30 days for the investigation and I havent received any information about the hard inquiries reporting on my credit report that I didnt authorize.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

I attended a event in XX/XX/2021, and my purse was stolen that include XXXX XXXX and my personal information. Police on the premises were notified and a report was made. I obtained a copy of my credit profile a seen a series of accounts that I have no affiliation with or knowledge of. Furnishing these accounts and information to my profile without my permission or written consent is in violation of FCRA 15 USC 1681, & further violates FCRA by furnishing information due to identity theft. I've contacted the CRAs ( XXXX, Equifax, and XXXX ) in attempt to resolve this matter and I've had no luck. This information reporting on my profile is preventing me from gaining any lines of credit. 
I've never opened or applied for these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to :
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, For the past several months I have reached out to Equifax in reference to an unverified account being reported on my credit report. I have reached out to Equifax via certified mail on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have requested this collection to be deleted on several occasions due to inaccuracies. This account has not been able to be verified and they have not sent the documents they claim to have used to verify such account, even after my several written requests. My rights are being violated by Equifax for failure to do a thorough investigation upon my request and ignoring my requests of providing me with the documents they are using to verify. I disputed with XXXX  and XXXX  as well and they were unable to verify the account therefor it was deleted. In addition, Equifax is reporting inaccurate information on the account. It is reporting past due balance and 120 days late payment history which makes no sense on a closed collection account. This error is causing me money and great stress as it is affecting my credit worthiness. I am requesting Equifax to delete this account immediately due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX. XXXX Balance : {$3900.00}.
Product: Student loan

I made payments to XXXX XXXX during the COVID forbearance period. My loan was transferred to MOHELA on XX/XX/XXXX when I submitted my waiver to be included in the temporary PSLF program. I received information about I am eligible for a refund of my payments under the CARES Act in XX/XX/XXXX and was told to submit the request to my current loan servicer, MOHELA. I requested the refund of my {$5700.00} in payments made to XXXX XXXX during the COVID forbearance period from XX/XX/XXXX through XX/XX/XXXX under the CARES Act to MOHELA via their online messaging platform on XX/XX/XXXX. MOHELA responded to my message on XX/XX/XXXX stating they received my request and will process the refund, quoting up to 90 days processing on their end and another 90 days for the Department of Treasury ( DOT ) to pay the refund. 

On XX/XX/XXXX I called MOHELA as the funds had not arrived. The representative stated only {$1700.00} was requested to be refunded and the authorization for payment sent to DOT on XX/XX/XXXX. I submitted an appeal for the full {$5700.00} I am owed and uploaded proof of payment for that full amount to MOHELA. I have received no response. 

This morning, XX/XX/XXXX, I was finally able to get a hold of a DOT representative. They said they have no records of a request for payment under my social security number. 

Please help as my family and I are facing extreme financial hardship as we were expecting to have these funds by now.
Product: Credit reporting

Transunion lists a {$300.00} claim under collection by XXXX XXXX XXXX ( XXXX ). 
This is listed incorrectly as I paid it in full and XXXX is aware of this. Obviously, my credit score is lower with Transunion than it should be and I need this corrected.
Product: Debt collection

I haven't had an account with XXXX XXXX XXXX for close to 10 years. This collection has to be an error. I never had a four-digit access code which is what XXXX. XXXX requires I input XXXX when I try to call them to tell them this isn't my account that they gave to ERC to collect on. ERC says they can't talk to me about the debt because XXXX recalled it. So no one will help me get this invalid collection removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$12000.00}
Product: Debt collection

These creditors were removed from my experian, and transunion accounts because they couldnt prove the debt was ever mines but somehow remains on my XXXX and i dont understand how its proven to them and not the other two bureaus : XXXX account resolutions Account resolution corp Wakefield and associates I never heard nor have i ever received notification of debt from them
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Re : Non-compliance with Rule XXXX. Requirement of the Original Upon reviewing my consumer report, I discovered Equifax , Inc and several creditors are violating several laws. According to rule XXXX, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the companies listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries.

The listed institutions mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.

I look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES.

Thank you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, my Coinbase account was hacked using the SIM swap method. By gaining control of my cell phone the hackers were able gain access to my Coinbase account and stole {$4500.00} worth of XLM cryptocurrency by transferring it to an ( according to Coinbase ) to some unknown destination. Additionally, because I had overdraft protection from my bank linked to my Coinbase account, the hacker was able to transfer {$3500.00} to Coinbase account and purchase more cryptocurrency. 
I have been trying to recover the amount of cryptocurrency stolen from my Coinbase account since XX/XX/XXXX. I was able to recover {$3000.00} of the funds taken from my bank account because I altered my bank about the Hacking incident. 
Coinbase finally sent a response to my problem on XX/XX/2021 ; basically saying there is nothing they can do about recovering the {$45000.00} in XXXX cryptocurrency stolen from my account. In fact they now claim I owe them money because my bank reversed the funds the thief had stolen. 
Coinbase is a cryptocurrency exchanged used by millions of Americans and it should provide adequate security to protect its customers from hackers. Instead Coinbase does not accept any responsibility and says there is nothing that can be done ; the customer just out of luck! 
The CFPB should really investigate Coinbase to uncover the lack of online security protection it has to prevent hackers from gaining access to customer 's accounts and for the lack of accountability it has towards maintaining the assets in those accounts. I am sure there are many others like myself that have been victimized by Coinbase 's lack of concern.
Product: Credit card or prepaid card

Noticed unusual fraudulent charges on account. reported to bank and cancelled card, filed police report and requested investigation for the dates and amounts as listed below totaling XXXX. 

XXXX/XXXX/19 {$880.00} XXXX/XXXX/19 {$930.00} XXXX/XXXX/19 {$890.00} XXXX/XXXX/19 {$840.00} XXXX/XXXX/19 {$830.00} XXXX/XXXX/19 {$940.00} XXXX/XXXX/19 {$880.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$810.00} XXXX/XXXX/19 {$940.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$870.00} Received notice from bank that due to prior business conducted with vendor ( XXXX XXXX ) the request to dismiss charges was denied. I did not make these purchases and have no knowledge of the locations the purchases were allegedly charged at. I have never been to the locations for the vendor including XXXX XXXX, New Jersey and XXXX NY. I was informed by T.D bank dispute claims department that no fraudulent activity was noted on account due to prior history shopping with vendor. I have never spent over {$50.00} within the past few months and don't understand how this happened. It has caused severe emotional, financial and physical duress/distress and would appreciate a full investigation on this case. 

Police report number XXXX has been filed and I can provide further documentation if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many numerous third party inquiries on my credit report that I did not ask for. Called many of them, and nobody picks up and states office hours are closed when theyre open. I never asked these people to inquire about my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every few months SunTrust bank, for some reason, reports that my home equity line of credit is closed. Every time this happens, my credit score with XXXX and XXXX XXXX plummet. Then it will be fixed, then it will be OK for a few months, and then SunTrust will spitefully report again that the account is closed. I believe they are doing this because they know I am shopping around for another lender to take over this loan because I am not happy with their customer service. I can not get it through their thick skulls that the account has been reaffirmed after my bankruptcy in XX/XX/2014. Since the account was open in XX/XX/2004. I have never missed a payment. 

Every time SunTrust reports the account is closed hurts my credit score and I wanted to stop once and for all.