23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

car dealer stole & mis used my ssn for personal and fraudulent reasons. these are what they applied for thats showing on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In XX/XX/2021, I received the U.S. Bank ReliaCard for Ohio unemployment benefits. I did not apply for any unemployment benefits with Ohio or any other state. I reported this unemployment fraud scheme to U.S. Bank on XX/XX/2021. I was advised by the US Bank fraud agent to file an online fraud case and supply an ID Theft affidavit, which I did the same day. I also advised the Ohio Unemployment agency about this fraud. As of XX/XX/2021, I have not received written confirmation from US Bank that the fraud claim was received, that it was investigated, and that the debit card was inactivated and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit acceptance reported on my credit report an charge off and the the account was open XX/XX/XXXX and that is was closed on XX/XX/XXXX and that there was no payments made i have proof that there was payments made all the way up until XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC Report because I found inaccurate accounts on my credit report and nobody is helping me
Product: Payday loan, title loan, or personal loan

Following up to Complaint XXXX I submitted a complaint on XX/XX/2022 on CFPB to Goldman Sachs Bank .

I explained my situation as I am a victim of Identify Theft. I had requested that Goldman Sachs Bank provide me with the original loan application with wet signature so I can provide to law enforcement. Goldman Sachs failed to provide me with the original loan application as there was no hard application. Goldman Sachs narrated how the loan was taken out in my name as an online application. Goldman Sachs explained that they verified my information toward what was on their system but did not provide me with the information on their system that was used to apply for the fraudulent loan. 
Again this trade line was open fraudulently due to ID Theft.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for continuing to report fraudulent accounts on my credit report that resulted from identity theft. Despite submitting an FTC Identity Theft Affidavit to Experian, these accounts remain on my report, in violation of the Fair Credit Reporting Act ( FCRA ) and other federal laws. 

Issue Description : Fraudulent Accounts on Experian Report : My Experian credit report contains accounts that I did not open, which were a result of identity theft. These fraudulent accounts have already been deleted or corrected by XXXX and XXXX. However, Experian continues to report them inaccurately. 

Failure to Remove Fraudulent Accounts : I submitted an FTC Identity Theft Affidavit to Experian, yet they have failed to remove these fraudulent accounts. According to the FCRA, Experian was required to block these accounts within XXXX business days of receiving the affidavit. This legal obligation has not been met. 

Federal Laws Violated : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 : This section mandates that credit reporting agencies block any fraudulent information within XXXX business days of receiving an FTC Identity Theft Affidavit. Experian has violated this provision by failing to timely remove the fraudulent accounts. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : This section requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. By failing to delete the fraudulent accounts, Experian has violated this provision. 

XXXX Requested : Immediate Deletion of Fraudulent Accounts : I request that Experian immediately delete the fraudulent accounts from my credit report in compliance with the law. 
Written Confirmation of Deletion : I request written confirmation that these accounts have been removed and that my credit report now reflects accurate information. 
Prompt and Thorough Investigation : I request that Experian conduct a full investigation of the fraudulent accounts and take appropriate action to ensure they are properly blocked. 

The accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Documentation Attached : FTC Identity Theft Affidavit Copies of my credit reports from XXXX, and XXXX I request that this issue be resolved promptly. If this matter is not addressed, I will take further legal action. 

Thank you for your attention to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to inform you that the information is accurate and must be reported to XXXX, XXXX, and Equifax as part of my credit report. 

I have included the necessary documents to verify my identity and the accuracy of this information. Additionally, I must report that I have been a victim of fraud. This situation necessitates the utmost vigilance in ensuring the integrity of my credit profile. 
Please confirm receipt of this correspondence and inform me of any further actions required to secure my credit information. 
Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit card

I reported a fraudulent charge. Synchrony Bank closed the account. They said they would send a replacement credit card. They never sent a replacement card. There is a credit balance on the card. I can not access the credit balance because I no longer have an account since a replacement card was never sent. When I tried to solve the problem with their customer support, they required me to prove my identity with full face scan. Then they sent a verification code to prove my identity but when I try to report it online it claims my social security number is invalid. Customer Support keeps forwarding me to other departments. I still have no way to access my credit balance. This is an endless doom loop.
Product: Credit card or prepaid card

I received my XX/XX/XXXX billing Statement from ( BANK OF AMERICA ) For a sum total : XXXX. With A due date of : XXXX XXXX. 
On XX/XX/2019 A payment was made To B.O.A, For A some total of : XXXX, Within the thirty day time frame on XX/XX/XXXX I received my billing statement for the month of XX/XX/XXXXt charging me a interest fee of : ( XXXX ) I Called B.O.A to inquire into the miscalculation of interest, And was told by a representative That : " I was charge interest for the balance of XXXX cent. And because I was a loyal customer she would take off XXXX dollars of the balance.. However this predatory practice employed by Bank of America is contrary to regulatory procedures I should not be Charge a balance of ( XXXX ) because balance was paid in full expect ) XXXX cent.
Product: Money transfer, virtual currency, or money service

Coinbase locked me out of my account for more than a month and does not allow me to even close the account.

I opened Coinbase account on XX/XX/XXXX, and bought total of {$6000.00} bitcoin. Then in XX/XX/XXXX, Coinbase started requesting additional authentication by first requesting the photos of my driver license. I tried more than a dozen times over the next several weeks to do this with no success. Ive been locked out of my own account ever since.

Then it requested the XXXX   authentication, which still didnt work even if I again tried for many weeks at different times until now. My XXXX authentication works well everywhere else.

I have sent many complaining e-mails during the past month but received only what appeared to be a computer generated generic responses. Frustrated and suspicious, I have demanded that Coinbase simply close my account and return the balance but Coinbase wouldn't even allow this by saying that I need to log in and close the account myself. How can I do this when the very reason I want to close the account is the inability to log in? Please help me. Thank you!
Product: Debt collection

in 2009 I was sent to XXXX XXXX XXXX to get a XXXX XXXX. I informed the hospital I had Missouri XXXX. Nothing was said about them Not taking MO XXXX. I was given a shot and sent home. Then I received the {$800.00}. bill from the doctor that ordered the shot. The {$800.00} has been on my Credit report for 10 years now. It was taken off about 6months ago but now its back under a different name ...
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I purchased a refurbished exercise equipment from business called XXXX XXXX via an EFT transfer for {$2800.00}. I provided the business with my checking account information so that they can do the EFT transfer. 

My bank ( Chase Bank ) called me on XX/XX/12 to make sure I did authorize the payment and I did confirm that. I called them very shortly after to ask if I'm protected in case the business is scamming me and the guy on the phone said yes. I specifically mentioned EFT transfer and his answer was yes. Both phone calls are supposedly recorded. 

Unfortunately, I started having suspicions of the business right after I authorized the payment ( just reading bad experiences from people on several web sites ). Because Chase bank told me I'm protected, I was less worried and took the chance. 

I think I would have had a chance to immediately cancel the payment had the Chase bank associate told me that I was not protected. 

A week after that ( don't remember the exact date ) and after I have not received any response to an email I sent to XXXX XXXX, I called the bank and asked them to recover the money. 

This time, Chase told me that they can not help me because EFT transfers are not covered under federal consumer protection laws. 

I already filed complaints with XXXX, Attorney General of Texas, and the FTC. The FTC directed me to file a complaint with you regarding my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To whom it may concern I saw your company furnishing a negative account onto my consumer report. I am requesting validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ) Provide me with following information 1. The amount of the debt 2. The name and address of the original creditor 3. Proof that your company sent me a statement assuming the debt to be valid ( with proof of tracking information ) 4. I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now.

Collection activities shall cease immediately pursuant to 15 U.S.

Code 1692 ( g ) THIS ALSO GOES FOR THE FOLLOWING CREDIT REPORTING AGENCIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE SENT THESE CRA 'S DISPUTE LETTERS VIA CERTITIED MAIL ASKING THEM TO PROPERLY INVESTIGATE AND VERIFY THAT THIS ACCOUNT BELONGS TO ME. THEY HAVE FAILED TO DO SO. I HAVENT RECEIVED ANYTHING I ASKED FOR IN MY DEBT VALIDATION LETTER. 

I HAVE ALSO SENT THESE CRA 'S A SIGNED AND SEALED AFFIDAVIT OF TRUTH ( SEE ATTACHMENTS ). THEY HAVE FAILED TO RESPOND TO MY AFFIDAVIT OF TRUTH WITH ANOTHER IN RETURN. 

I HAVE UPLOADED MY POLICE REPORTING PROVING THAT MY IDENTITY WAS STOLEN AND USED. 

I HAVE NO KNOWLEDGE OF THIS ACCOUNT! 

THE SSN ON THIS ACCOUNT DOES NOT MATCH MY SSN!
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out disputes on XXXX/XXXX/21 and haven't heard anything back in 71 days, I feel like im being ignored of my disputes. in section 611 ( a ) its plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove from my credit report, i demand these accounts be deleted promptly or i will file for litigation, my information was also impacted by the Equifax data breach
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear Equifax, After recently reviewing my credit report, I noticed an unauthorized credit inquiry. I did NOT authorize the following inquiry listed below. This was not obtained with my consent and appear to be results of identity theft. Please delete immediately. 

XXXX XXXX Requested On XX/XX/XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CEPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of availability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a handwritten certified letter to them on XX/XX/2018 asking for validation and verification on this account that is negatively reporting on my credit report. I have not received any verification or validation on this account. Per section ( 609 ) of the Fair Credit Reporting Act I should have received validation and verification of this debt within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Verify This invalidated account BERLINWHR-KS Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" 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. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting

Filled out the form and mailed it to XXXX, GA. I had asked for all XXXX reports. Experian balks and refuses to supply a report. They ask for additional data. They need a copy of a bank statement, a copy of a State issued ID, a copy of a utility bill and addresses for the last two years. XXXX did send me my report. I have been receiving credit reports for the last fifteen years w/o a problem. I ask them for data and they respond by asking for data??
Product: Mortgage

Hi, monday XXXX XXXX I ask a relief foresbance for XXXX, XXXX and XXXX in My morgage : United Whole Morgage and I submitted it in the web I have the screenshot on XXXX XXXX, and I got a Negative report in my Credit Score with delay in the month XXXX, they had a mistake because I ask the plan foresbance with a lot time anticipation for XXXX, and They just are telling me they are doing the investigation and I dont get solve, I am in XXXX and my Negative point is reported yet like a delay in my payments and not like foresbance plan with them, they tranfered the credit for another company and now they are not being responsible with the mistake. 
I need help because that is affecting my credit unfair