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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX XXXXccount Number : XXXX Update to paid as aggree 8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX XXXX  NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX MO XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Yup sure, since last 10 days my account is temporarily disabled i did go on XXXX and do XXXX to XXXX sending 5 time emails 2 time called on help line support still no response in my account XXXX $ usd .my whole Bussiness is stuck because of coinbase just give me answer how to re open my account .... thanxs to read me ..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 alleged fraud or extortion. 


XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per XXXX CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802. 

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' XXXX any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal. 

Please comply with my XXXX regarding the removal of the account immediately, being that you have continued to violate my rights as XXXX. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. XXXX action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used Remitly, to transfer {$500.00}, from my checking account in USA, to MY saving account in XXXX XXXX, in XXXX XXXX, I contacted them several times, trying to get an update about what was happening, and all the times the answer was " corona virus '' please wait another 48 hours. Because I could not wait any longer, I sent the same amount, with a different company, and only took half hour to complete the transaction. so corona virus is not a valid excuse. 
then I called another 4 times asking the return of the money. the interesting part is that they withdraw the money from my account in less than 3 minute before even I finish the paperwork, and had passe more than 21 days without getting any answer from them.
Product: Debt collection

The Bureaus are reporting a credit card account to my consumer report and I never gave them written permission to furnish anything on my report. They bought my personal private information from XXXX XXXX  without my consent which is a violation of the Fair Debt Collection Practices Act 15 USC 1692 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX  Balance {$0.00}. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XX/XX/2022 To whom it may concern : I have read through my credit report provided by you and can't seem to make sense of this data you reported. I need your help and would appreciate expedited investigation on this. 

This alleged debt collection has been removed off of my XXXX report and therefore should be removed from my Experian credit report immediately. 


Account name : XXXX XXXX XXXX XXXX Account number : XXXX Send me an updated credit report showing these changes.
Product: Vehicle loan or lease

I financed this vehicle I believe in XXXX and on the report it shows that I refinanced this in XXXX. Also, I voluntarily gave up the vehicle to them because I became ill with XXXX and could not keep up with the payments and it states that it was involuntary repossession. I know they sold the vehicle and it says on my credit report the wrong balance. It should be lower than what it is. Its still reporting higher than it should be. Also, Ive been trying to get this removed from my credit for false Information because its holding me back from purchasing my home. Ive gotten it removed from XXXX, but the others will not remove it. I got a letter from them years ago, but it was from the law firm theyve sent it to requesting the money. Ive sent them my information and hospital information to show proof that I was sick at the time. I have not received anything else from them about this vehicle or a settlement or anything. Thank you for taking out the time to read my complaint.
Product: Debt collection

Linear Mortgage , LLC got home equity loan papers from XXXX XXXX XXXX from 2002. 
these paper should not exist they should have been destroyed by the XXXX XXXX XXXX XXXX in 2002. Because we never signed them we turned down what they were offering us because it was not what we wanted. we told XXXX XXXX XXXX to stop coming too our home because we wanted nothing to do with them. XXXX Mortgage sent us papers saying that we owed them this XXXX for a home equity loan and said that they had a lean on our property and if we did not pay that they would take our home. so Started to pay them XXXX dollar a month and my husband said that something about this was not right we never took out a home equity loan. so we looked in our files and we found the papers from XXXX  home equity like I said we never sign them or received any money from them. Linear Mortgage sent me the same paper with our signature on them that was a photo copy. alone with paper file with the court of deeds. I called to ask them were did they get these papers and at first she she she got them from a company call XXXX  I told her I never heard of them before then she sent me the copy from XXXX XXXX XXXX. I even called XXXX and they said they never keep paper from that far back I tole Linear Mortgage we wanted our money back she said that she could not help me and she hung up on me and said tell my Lawyer. I called the police they sad i would have to file a fraud report on line so that it can be investigated.
Product: Debt collection

LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX Remove credit report ... My rights under 15 USC 1681b
Product: Debt collection

Upon disputing a medical bill on my credit report, Rash Curtis sent me documents to verify the debt. According to my rights under the FDCPA, A collector has to give you validation information about the debt either when they first communicate with you or within five days of the first contact. The collector has to include the following : their name and mailing address, the name of the creditor you owe it to, how much money you owe, written out to include interest, fees, payments, and credits, what to do if you dont think its your debt, your debt collection rights, including your right to get information about the original creditor if you ask for it within 30 days of getting validation information from the collector '' The letter did not include an " address '' for Rash Curtis and Assoc as required by law. The letter did not include " what to do if I think this debt is not mine '' as the FDCPA requires. 
The only address provided is for a debt collector called " Recovery Revenue Specialists '' and they list a XXXX XXXX XXXX I can not find any legal business information for this company through the XXXX, State of California or XXXX XXXX Fictitious Business XXXX. 

I've attached the supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX for inaccurate items on my credit. The items have not been removed.
Product: Checking or savings account

Received a letter from Wells Fargo today they are closing my savings and two accounts. Ive been a customer for close to 27 years there and my accounts have been in good standing. I get my social security benefits deposited there and pay my outside accounts by autopay. 
I feel embarrassed why they are closing my accounts and dont know why.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, here I go again to dispute Citibank-XXXX responses from their Reps which are being attached hereto. Case # XXXX After thorough investigations and numerous phone calls to XXXX XXXX XXXX and talking to different liars, it was found that after the fact that there was a valid and legal settlement about my debt with XXXX thru these people XXXX XXXX XXXX the account was sent back to Citibank. 
It looks like when XXXX saw what was the settlement amount ( fair to me ) they decided to retrieve this account from the collection Agency when ( according to their version ) the first payment had been processed. This is very irregular and non-honest procedure and what is more aggravating ; they allege that the second and third payments were never processed. 
I made 3 payments and have submitted 3 payment confirmation issued by this XXXX XXXX XXXX in accordance with the terms of our agreement and can not accept as valid Citibank-XXXX statement saying that there is no proof of payment for the second and third payments. 
I have received 2 letters from Citibank-XXXX officers with unsustainable arguments and I take exception of Citibank-XXXX arguments and furthermore I empower my right to object this procedure and demand from XXXX to respect the agreement with XXXX XXXX XXXX and basically to provide a full history about this account. 
Now XXXX XXXX XXXX need to get involved and explain from their side what really happened and what they did with my moneys after they issued 3 Payment Confirmation No need to stress the fact that this issue has been affecting badly my credit records and because of this I have been unable to do business, now three years.
Product: Credit reporting, credit repair services, 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. XXXX/XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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, credit repair services, or other personal consumer reports

Santander consumer USA has been an issue since Ive gotten their service. I complained to them in writing three times & then twice to the credit bureaus. 

They are saying that i made a late payment in XXXX. I disputed this late payment, they then moved it to XXXX on XXXX and XXXX but on XXXX reported it indeed XXXX. Making it look like two late payments. 

They also have the wrong number of debt owed. They are reporting my balance {$800.00} more then i owe & i make my payments on time every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all inquiries from my report excluding a XXXX credit card. In the attached file is a police report, FTC identity report, and XXXX confirmation of data breaches and dark web personal information breaches.
Product: Vehicle loan or lease

XXXX of this year I purchased a XXXX XXXX XXXX. The dealer approved me for the loan. There was conditions to obtain the loan, though. Ally Financial told the salesman that I would have to buy gap insurance and a extended warranty. I asked the dealer that I can get GAP insurance thru XXXX and was open to extended warranties. He told me that Ally Financial would be the best option for this because it would wrap everything into one company and that Ally would most likely to approve the loan once I had these added to the loan. I asked him why, he told me that the buyer from Ally said, since I had a filed BK in the past and since the car was a high end car to fix and the the car would be protected and my best interest to go with Ally for this. So, I did what what I was told to do. Covid 19 came along in XXXX. I made the first payment, then reduction of work at work closed our business down. Ally said I could take three months of extensions on the loan. On XX/XX/XXXX I was hit head on by a drunk driver and totaled and she had no insurance. After 1 month in the hospital and losing my job. I got right on the XXXX to pay the car off. XXXX paid out XXXX and then I had a refund from the extended warranty which XXXX posted on my account, I think Ally said it was XXXX and then I started the most lengthy process of retrieving several documents to file the GAP claim. After getting all the documents to Ally GAP claims division. Ally received XXXX. I got a call from a lady, she stated we dont cover the extensions in the gap claim and we hired a third party company to recover the documents for us. So Ally left me owing XXXX. So the cards were stacked against me from the start. I have no way of getting this paid.Also, I thought the money from the extended warranty was refunded back to me, this was also taken by Ally in their own GAP coverage explanations. I am borrowing monies now, from friends and family to pay this. I am also looking into filing a law suit for Deceptive trade practices because engages in this business practice-they have there own formula of choosing what they are going to pay and not pay. Due to ALLY XXXX serious mental anguish, and now have starting to take medication for XXXX and XXXX.
Product: Debt collection

Nationstar is reporting false and misrepresenting a loan they 're servicing that was transferred from XXXX XXXX XXXX Home Loan servicing. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded to an XXXX reinvestigation and has indicated Loan number XXXX has XXXX balances, paid in full, no historical data past XXXX and closed on XXXX XXXX. 

Nationstar Mortgage information should reflect the same data as XXXX XXXX XXXX 's to start. 

There has been no activity on the account since the transfer to Nationstar ( ie no payments, no agreements ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX & XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TRANSUNION is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of the accounts and also other documents so I may review to see if they are actually accounts that belongs to me.
Product: Credit card

Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving XXXX products that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX Disputed amount : {$59.00} Amount to be rebilled : {$59.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if seller also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( s ) will remain ). The temporary credit of {$59.00} This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are all fraudulent accounts