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

I am writing TransUnion to dispute certain credit inquiries and accounts listed on my credit report, as I believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days if tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft Report ( XXXX ) as evidence that my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) The unauthorized credit inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These inquiries and accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these disputed inquiries and remove them from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter to dispute the following accounts that were on my credit on XX/XX/XXXX. The Letter to Remove Inaccurate Credit Information. These are items that were on my credit that I wanted removed according to the Fair Credit Reporting Act. I also informed them that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I was supposed to hear back within 30 days but got no response from them. 
Date of XXXX inquiries were on XX/XX/XXXX. 
Date of Closed Account XX/XX/XXXX. 
Date of Collection XX/XX/XXXX. 
Date of Closed Account XX/XX/XXXX.
Product: Debt collection

I moved out of my apartment at XXXX XXXX  XXXX XXXX in XX/XX/2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, Professional Debt Mediation. Professional Debt Mediation has been reporting this debt on all 3 of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called Prof Debt Management and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in XX/XX/2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE investigation.
Product: Debt collection

During the summer of 2017, I purchased a phone from XXXX XXXX, and it got stolen and I reported it stolen, and XXXX proceeded to activate the stolen phone for someone elses account and proceeded to keep charging me for that phone even after they told me I wouldnt be responsible for the amount owed.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ).

Recently, I discovered that XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Product: Money transfer, virtual currency, or money service

Company to contact. 
Coinbase.com XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX  XXXX Starting in XX/XX/XXXX through XX/XX/XXXX, I was involved in a cryptocurrency trading scam. I met a person via XXXX dating site. I was asked to " invest '' using a fraudulent copy of XXXX XXXXXXXX XXXX. ( see below ) Wire transfer to Coinbase XX/XX/XXXX- {$100000.00} Within Coinbase.com, money was converted to crypto and transferred to the fake websites XXXX XXXX XXXX XXXX  ). These websites are identical and appear to be owned by a XXXX company XXXX XXXX XXXX. Once the Crypto was loaded to these websites, I was instructed to make trades which appeared to be very profitable. I started with small amounts and even withdrew ~ {$10000.00} initially to ensure my money was safe. As the transactions got higher, the profits got higher until I finally decided to withdraw at least my investment plus the amount need to cover income taxes- it was that large withdrawal that was not completed, and my account was subsequently frozen. the only contact email I have with the person I was working with is an email address, XXXX details of the transactions between the website/exchanges are in the attached documents.
Product: Vehicle loan or lease

USAA is stating that I didn't pay XX/XX/2019 car loan payment and that the payment was reversed. I tried to pay via my wife 's account and although they debted her account they sent a check because we made one also via my USAA account. It states on my account the payment was reversed, but I never receieved a refund to my account with USAA. I only received a check from the attempt to take from my wife 's account. Now they are saying I never paid XX/XX/2019. They took from my account and never gave me a refund to my account. So now I'm out XXXX dollars They also reported my account late for 30 plus days over XXXX cents instead of informing me I was late on XXXX cents. I never receieved notification that I was short XXXX cents. Now I have a late payment on my account for XX/XX/2019 and they are claiming I never paid XX/XX/2019. Nothing makes sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to the Equifax Data Breach in Early 2017 https : //www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do Via their website www.equifaxsecurity2017.com, i was notified that I may have been one of the " 143 million American consumers whose sensitive personal information was exposed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a notification that XXXX made a hard inquiry to my credit report. I did not apply for a XXXX XXXX account and my information was used by someone else to open an account. I contacted XXXX and they did not help they told me to contact Transunion to dispute it and Transunion told me to get a deletion letter from XXXX who refused to do so.
Product: Mortgage

Bank of America canceled our mortgage application, 7 days before closing, claiming we lacked sufficient funds available for closing. For almost 30 days, BoA had the necessary information to see proof that we had sufficient funds, but apparently never processed the documents internally so that they were available to the underwriter. Initially, our mortgage officer claimed we were denied for not submitting a copy of a check showing sale of a mututal funds for closing funds, but later admited they never asked for the canceled check. For 3+ weeks, it appears BOA did not process any documentation they had requested, then at the last minute, tried to fix their errors. Mortgage officer was unreasonably hard to get ahold of, ignored multiple requests for status updates, then had the audacity to blame us, the consumer, for Bank of America 's own failings. Had Bank of America reviewed the documents they had requested and received in a timely manner, they would have seen sufficient funds for closing, or would have had time to request further information. BoA did neither - they simply canceled a mortgage application 7 days before closing, 38 days into the process. 

We acted in good faith, submitting all requested documentation within 24 hours at each request. We sent multiple emails requesting status updates and got no response. Bank of America simply failed to execute the mortgage application due to their own errors and mistakes. Their reasoning for cancellation ignores the multiple documents submitted that clearly show our ability to close. 

It 's hard for us to understand anything we could have done better. Bank of America clearly failed, clearly made mistakes and clearly canceled our mortgage due to their own errors. The consumer is left dealing with the damage and heartache while Bank of America can move on to other mortgages as if nothing has happened.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are continuing to report incorrect information on my consumer reports. Under federal law consumer agencies are required to maintain 100 % accuracy and in this case they are not. There are several name variations and address that are incorrect and should be immediately deleted. 

My name is XXXX XXXX there should be no other names listed on my consumer report or aliases. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, XXXX-Thank you for contacting me regarding information contained in my consumer file. Pursuant to section 609 of the Fair Credit Reporting Act 15 u.s. code 1681 GXXXX I am providing proof that you are in violation of 15 u.s. code 1681 S ( 2 ). I received my XXXX Consumer Report which states on page 67 that I had an address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX records page 94 provides the same address as petitioner. The address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is not on my consumer credit reports. XXXX states that they obtain this address from Equifax, XXXX, and XXXX. I have attached a letter that they sent me stating this. Congressional law of the Fair Credit Reporting Act clearly states in 15 u.s. code 1681 a consumer credit report must be accurate. There are several different name variations ; the address that you are listing of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not on my consumer credit reports. I have attached my XXXX, Equifax and XXXX consumer credit reports As proof that this address is not my previous or present address. I request a reinvestigation due to the fact that I already disputed this bankruptcy reporting on my credit reports. XXXX HAS removed the bankruptcy due to XXXX inaccurate reporting as federal law requires for consumers by law. DOCUMENTS ATTACHED
Product: Debt collection

The hoa attorney tried to add more money to my Hoa account, and using scare tactics to try and get me into a consent order. They-she refused to ever tell me what my true balance was in our settlement talks, I believe it was a lie just to conceive me into signing this consent order, when going over the bill. I never saw a settlement amount in the ledger they sent me. She also further stated her attorney fees was over $ XXXX for an illegal foreclosure that was suppose to voided out however, she still sent me information as though they should have been justfied. I have hired an attorney and plan to take action up with the state bar, and further a lawsuit The Hoa submitted a letter saying that I owed this $ XXXX in fees and when I disputed it, I was told that it would have to be paid to Clear the ledger when I was closing on my home I sold or that I would n't be able to close, the closing attorney informed me to take the action up with them on my own. The HOA XXXX XXXX XXXX refused to give me clear understanding about the amounts, and when question the attorney refuse to answer any of my questions. just kept sending me a copy of a consent agreement. I also was charged unfound fines, that attorney XXXX told me she would have credit back, The HOA seems to be bias and discriminates on people they want to without treating everyone fairly, The old president broke several rules and was never fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

Bankruptcy Reinsertion Also, there's an instance that the bankruptcy is being re-inserted in my credit report. It was disputed and has been deleted. It has defamed my character to lenders, held me back from getting my home and a host of other things
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking with humility to please remove the late payment on my credit report. Had it not been for XXXX, I would be in full satisfactory standing. I am asking for a goodwill request as I am suffering from this late payment. Please help by removing the late payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect names and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts multiple times theyre not mine & I am a victim of identity theft. I have sent XXXX XXXX & Experian proof of filed FTC Report & police report when I was assaulted & had my purse was stolen which included ID, credit cards & other sensitive information. I have been disputing & trying to resolve these accounts for months! I have reached out to creditors for original applications to verify information. Some arent responding & others are sending incorrect requested documents & XXXX XXXX / Experian is still reporting information accounts as verified & accurate. 

Below are the accounts that were opened in result to identity theft XXXXXXXX XXXX  XXXX XXXX {$410.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$660.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX  - {$5500.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$460.00} ( XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX {$410.00} ( experian ) XXXX XXXX XXXX XXXX  XXXX {$660.00} ( experian ) XXXX XXXX XXXX XXXX - {$5500.00} ( experian ) XXXX XXXXXXXX XXXX - {$620.00} ( experian ) *I have supplied tracking # that I used for supporting information claim included on attached Receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed, faxed, emailed, and called each bureau TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Product: Credit card or prepaid card

They have closed my account without notice! When I called them they said it was due my credit report and not making payments however I am currently on COVID relief programs with all my cards.
Product: Debt collection

I received a letter dated XX/XX/22 from Diaz and Associates, claiming that I owe an amount for a debt in the amount of {$630.00}. After careful review of my full credit report, I do not have an account with this entity, XXXX, nor owe said amount. All of my credit accounts are within good standing. I have no debt collection account, nor a derogatory remarks. This is a false claim for a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to refinance my car today XX/XX/20 and I was unable to do so because when they ran my credit, I was told that there were accounts and inquiries reflecting badly on my credit history. I had no idea what they were talking about but after looking through my credit report myself I saw five accounts and a few inquiries on there that I never opened. The five accounts listed on this report do not belong to me nor did I give anyone permission to open them in my name using my personal information. At this time, I still don't know who is responsible for opening these accounts but I have already filed a police report. I did not benefit anything as a result of these account being opened in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments that might have been made towards these debts. I am not affiliated to any of these companies in any way. I never signed any contract with them and I never allowed them to access my credit report.
Product: Vehicle loan or lease

On XX/XX/2021 I went to the dealership know as XXXX XXXX to look at vehicles. Found a truck I like, was convinced to do a loan. The loan interest rate I was told was 4.9 % then was switch without my knowing to 6.4 % interests. Not only that but my loan and contract was signed between me and the XXXX XXXX no other interested party signed the contract. Yet they gave/sold my contract to Community Bank N.A of XXXX NY but they never signed or agreement directly between me and this Community Bank N.A . 15 usc 16 if no meeting of the minds and no wet ink signature from security interested party than the contract is void and unlawful. The loan is Fraudulent and highly preditory lending. Im paying under threat, duress and coersion. I never signed a contract with Community Bank N.A they simply used my credit and tried to charge me for a loan on an automobile that was never there's to begin with. Can't buy debt with debt. Corporations can't loan debt or credit. They are the trustee, I am the beneficiary and consumer. I gave myself a loan with my credit. You can't loan me money if there is no lawful money. HJR 192 all debts public and private belong to the United States of America. I signed a contract retaining all my rights ucc 1-308 all rights reserved. The alleged automotive loan is fraud and in violation of 15 usc 1605 ( a ). 15 usc 1692 ( d ). 15 usc 1635. 15 usc 1603. 15 usc 1692A. I've sent several certified mailings asking for them to show proof there is valid debt or loan amd if they cant prove in writing to cease and desist from reporting andcattempting to collect this debt. I also sent them certified mail letter explaining that they have 20 days to pick up said vehicle or it will be considered an abandoned Motor vehicle and under PA law would be lot fee for every day that it sits. And to get it back they would need to pay the fees and return my alleged Down payment they Fraudulent stole of {$2800.00}. {$16000.00} of lot fees. Community Bank n.a Failed to respond to any registered mail sent affidavits in XXXX, XXXX and XXXX asking to validate the debt and to cease and desist from reporting this fraudulent loan on my consumer credit reports and stop trying to collect on an alleged debt that they were paid from the Treasury for from my credit. As we all know an unrebutted Affidavit after 30 days stands as truth in commerce Under the Uniform Commercial codes, and 15 usc, fcra.