23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

xoom refuses to allow me to make legal/lawful transactions due to reasons they state are for the security of my account. yet they can not disclose the reasons for restricting my account and the denial of service. they say they have an authentication issue but i have stated i have all the verification documents necessary such as id, and bank statements. they still refuse to even communicate, even to the extreme degree of blocking correspondence, blocking phone calls, and when i do happen to get someone on the phone, they place me on hold for hours then intentionally hang up on me. i wish to claim discrimination and unfair business practice. i have done nothing to deserve this kind of treatment and have these restrictions placed. for whatever reason they refuse to inform me of, i believe i have grounds for a formal complaint.
Product: Mortgage

In XXXX I took out a mortgage with my wife. In XXXX XXXX we divorced. Per our divorce decree she was to refinance or modify and take me off. The mortgage company modified the loan without my acknowledgement which caused me to become ineligible for another loan for 3 years. They did not obtain my signature or permission to do the modification. 

They refuse to take the loan off my credit report XXXX the loan is current ) and it shows a modification and I am told there is a 3 year waiting period. My damage is that I can not move on and purchase another home because they did a modification without my signature.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the credit freeze on my credit file with my information. Below are my details for your reference : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX, XXXX, California XXXX I have attached the necessary documentation to verify my identity and residence. 
These include : A copy of my government-issued photo ID. 
A recent utility bill or bank statement as proof of address. 
I kindly request you to process this request at the earliest convenience and confirm once the freeze has been lifted. Should you require additional information or documentation to complete this request, please feel free to contact me using the information provided above. 
Thank you for your prompt attention to this matter. 

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

Dear sir/ma 'm I do not like to submit complaints but Midland Credit Management is not fixing or removing errors on my report. First I disputed the account status. Collections are not supposed to report as open, so they closed it and now they reopened it with additional errors. Please look at my report, Date last Active is reporting differently across all 3 reports. I don't understand why there is even a Date for this. I've never been active on this account. I have send so many disputes letters and all they say is that they verified the debt but have not sent any sort of documents with my signature that I owe them this alleged debt. Also I checked their collection license and it doesn't look like they are legally collecting in california. Can you please investigate this for me. I'm already working with an attorney who is well aware of the consumer laws and says I might have a case. I would like to avoid a lawsuit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that does not belong to me and i want them to be removed. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft SANTANDER BK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint is NOT a request for reinvestigation of a dispute. Equifax continually blocks me from obtaining disclosure of my consumer file also described by Consumer Financial Protection Bureau ( CFPB ) as " file disclosure ''. On XXXX XXXX XXXX and several days thereafter, I repeatedly tried to purchase my Equifax file using the automated system XXXX but to no avail. Equifax repeatedly declined my requests to purchase my file when I called Equifaxs automated system XXXX. Equifax stated I am sorry ; our records indicate we recently completed an investigation of your credit file and sent you an updated copy. We are unable to send you an additional copy at this time. Alarmingly, I NEVER received results of the alleged completed investigation from Equifax. Also, alarmingly, for the year XXXX I NEVER disputed any information in my credit file with Equifax. Evidently, someone other than me, made an unauthorized dispute in my consumer file. I am a victim of fraud. On XXXX XXXX XXXX, I discovered that the numeric portion of my current address was changed without my knowledge or request. Furthermore, I suspect that my consumer file has been mixed with someone elses information. Note that Equifax continuous failure or refusal to provide me disclosure of my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g serves to further expose me to fraud/identity theft and harm. On XXXX XXXX XXXX I sent Equifax, XXXX XXXX XXXX, XXXX, GA XXXX via overnight express mail, correspondence with money order # XXXX payable to EQUIFAX for the express purpose of providing me disclosure of all information in my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g. I never received the requested file disclosure. Subsequently, I learned that my money order # XXXX was cashed. However, I dont yet know who cashed the money order. I do NOT have any record of an agreement for subscription or membership to any online products or services owned by Equifax Inc. or any of its subsidiaries. I do NOT want any subscription or membership to any online products or services owned by Equifax Inc. or any of its subsidiaries.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report and have no idea why theyre there. I routinely check my credit report, but this time I was shocked to see discrepancies. I even refreshed the browser, hoping it was a glitch, but the inquiries remained. I urgently request that the documents Ive provided be reviewed carefully to ensure this issue is resolved for good.
Product: Debt collection

On XXXX XXXX, 2017. I called Ideal Collection Services in XXXX, XXXX after I had received a letter from them. They were collecting for an outstanding repair fee for an apartment I used to rent over a year ago. They were apparently going after me for some fees that remained even though I paid and signed off on everything. They hired this third party I guess to try and collect. Never ever have I ever experienced such an incredibly rude and demeaning company as this. I went along with all they wanted in order to resolve it, I asked for 1 more day to do it! They told me they could n't do it and told me when I call back I would need to pay the full amount. That if this were not done the account would be reported to the credit bureaus would and hung up. I called again and asked to speak with someone else and they told me I could n't I explained that I wanted to pay it but wanted to speak with someone else, again they told me to call back when I was ready to pay and hung up again. I again called and wanted to speak to someone different and again was told I could not. I could n't believe this was an allowable practice. I was willing to pay and resolve the issue yet it almost seemed like they did n't want me to! All I can think was how incredibly evil this person was. Not sure how she sleeps at night. And shame on this company for having people like this on their staff. I do not want this to reflect on my credit and I am willing to pay it. I was so cooperative and soft spoken and they completely belittled me and did not want to help me at all. They now do not even pick up when I call. I just want to deal with another person as I refuse to be treated that way. At one point I told her I was going to report them and complain in which she responded, who are you going to complain to? '' in a totally condescending way. Like there was no one who I could complain to. I literally was sick after this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a formal complaint regarding unlawful actions taken by XXXX XXXX XXXX, XXXX XXXX a creditor reporting erroneous information on my credit report. Specifically, I believe XXXX XXXX XXXX, XXXX XXXX has violated provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by re-aging debt and continuing to report collections month after month in an attempt to extend the statute of limitations for this debt. 

Background I have been closely monitoring my credit report, and I noticed that XXXX XXXX XXXX, XXXX XXXX has been reporting the same debt account every month as new, even though the account is significantly older and should have been reported as a closed or static debt. This ongoing re-reporting seems to be a clear attempt to extend the statute of limitations illegally, as the debt in question is beyond the legal timeframe for collection or enforcement under my state 's statute of limitations laws. 
Violation of Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, creditors are required to accurately report the date of first delinquency and refrain from continuing to update the date in order to manipulate the reporting period. In this case, [ XXXX XXXX XXXX XXXX has been inaccurately updating the delinquency information, which has resulted in misleading information on my credit report. Section 1681s-2 ( a ) explicitly prohibits the furnishing of inaccurate information to credit reporting agencies. 

Additionally, the practice of continuously updating delinquent accounts to manipulate the age of the debt violates both the FCRA and the Unfair and Deceptive Acts and Practices ( UDAP ) under 15 U.S.C. 45 ( a ). Such deceptive tactics create an unfair burden on consumers by negatively impacting credit scores and extending the threat of collection indefinitely. 

Requested Action In light of these violations, I respectfully request the CFPB to : Investigate XXXX XXXX XXXX, XXXX XXXX for improper re-reporting of collection activity to credit bureaus. 
Require XXXX XXXX XXXX, XXXX XXXX to immediately cease the unlawful practice of re-aging this debt. 
Enforce penalties against XXXX XXXX XXXX, XXXX XXXX for their violation of federal laws, including the FCRA and XXXX provisions. 
Ensure that the negative account reporting is removed from my credit report. 
I have enclosed copies of relevant portions of my credit report as evidence of the improper reporting. Please feel free to contact me if any further information is required to investigate this matter. 

Thank you for your time and attention to this serious issue. I trust that the CFPB will take appropriate action to protect consumers from unlawful and unfair reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint.
Product: Credit card or prepaid card

I bought visa gift card. made me wait 1 hour to use ( scam ). then i lost it, and i called customer service and they said I cant get a refund or void the card. visa said it was banks problem and bank said it was visas problem. it sounded like from the same customer service center. I lost {$200.00} and I cant get it back. This is a scam!
Product: Credit reporting or other personal consumer reports

On XXXX XXXX a XXXX account was opened without my knowledge and is fraudulent XXXX XXXXXXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX  XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXXXXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX account was opened in my name fraudulently and I did not consent to this account being opened in my name
Product: Credit reporting or other personal consumer reports

i contacted trans union and them to verify some inaccurate information on my credit report. They responded and stated they did, however when i checked their were multiple inaccuracies, and invalid information. This is hurting my credit report and negatively impacting me from getting a house, student loans, etc. I would greatly appreciate if this were fix immediately.
Product: Debt collection

I called the company in XXXX to ask them to not contact any phone number outside myself and my boyfriends personal number. This is after they had contacted my boyfriends job and given his former boss information about the debt. On XX/XX/XXXX they called my mother and left a message. I again called them and requested they not contact any number about my debt but the numbers I provided and the agent essentially said theyll contact any number they find in a search to try and collect. After I explicitly stated yet again that the only numbers to be used for my account are the numbers we have for our cells. The agents have been dismissive and rude every time I call. It shouldnt be hard to expect my private information to stay private. Or for them to only contact the numbers we provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDLOAN has 4 entries on my credit report that I tried to get removed and/or updated as they are not reporting accurate information per the FCRA requirements. As you can see from the attached credit report, creditors have been reporting a 2-year history. The time frame that should be reported should be XX/XX/XXXX down to XX/XX/XXXX. 

I've requested it be updated once before with no success. I asked that it be deleted for inaccuracies or updated and there was no resolution. 

I filled out a borrower defense application form back in XXXX. Per the XXXX Credit report, the balance decreased and then it was increased again along with a new entry from a company called DPT EDXXXX. There was no explanation as to who this company is and why it was added if my XXXX XXXX XXXX application was reviewed and approved.
Product: Money transfer, virtual currency, or money service

-- -- -- -- -- -- -- -- Dear CFPB, I'm desperate for help. My family and I have suffered from a huge financial loss. 
From XX/XX/XXXX to XX/XX/XXXX, I transferred seven times totaling $ XXXXUSD from wire transfer from my XXXX XXXX Checking Account into Coinbase Bank ( Coinbase 's Bank is XXXX XXXX XXXX ) because I was scammed by a fraudulent platform, XXXX  ; Later, I learned that this was a scam. 

I fell for the scam because I thought that Coinbase is a very trustworthy company because of its great reputation. Therefore, I trusted Coinbase and gave in with all my life savings. Using the wallet transfer in Coinbase, I transferred all that money into a fraudulent platform ; Unexpectedly ( from the present perspective ), Coinbase gave no warning not only that this is a flagged-for-fraud wallet, but also a verified one. That means that Coinbase has an untrustworthy verification system, therefore betraying our trust. In a second, all my life savings are sent onto fraud, permanently losing it ( unless you help! ). 

I then reported this to the FBI, XXXX, and Coinbase. Most of them get little to no reply. For Coinbase 's reply, they DIDN'T CARE and directly tell us to complain to the FBI and states that they hold no responsibilities, although XXXX holds ALL responsibilities to this case ( separate report to CFPB ) including many others that were also scammed because of their naughty verification and system. I finally decided to request clearly to XXXX for a dispute of at least a partial amount for this case, but they refused. 

I also got all my personal information leaked ; Driver license and everything on it, are all leaked. I had to change my checking account ( I recently did so ). 

Please, CFPB, help recover our financial loss. Thank You! 
-- -- -- -- -- -- ---
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. In my letters, I specified the accounts in question and outlined the violations being made against my consumer report. It has now been over 30 days, and I have not received a response. Attached are copies of all the letters I previously sent. 

This company has violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as " disputed. '' Additionally, FCRA 605 ( c ) has been violated, as the account is reporting the incorrect " date of last activity. '' It should reflect the last date a payment was made, not the date of the account 's last activity.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, XXXX, and XXXX ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 
3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.
Product: Debt collection

I have contacted source receivables management on numerous occassions over the past six months requesting validation of debt with a contract bearing my signature for this inaccurate account. I have not gotten anything back in writing validating this account