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

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a non deliverable address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This fraudulent, inaccurate, and false information consist of auto loan, credit cards, personal loans, car insurance, collections, and hard inquiries. 

Account Name : XXXX Account # XXXX, Account Balance : {$10000.00} Account Name : XXXX XXXX XXXX Account # XXXX, Account Balance : {$2200.00} Account Name : XXXX Account # XXXX, Account Balance : {$370.00} Account Name : XXXXXXXX XXXX Account XXXX XXXX, Account Balance : XXXX Account Name : XXXX XXXX, Original Creditor : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account Balance {$180.00} Hard Inquiry : Experian Business Cred XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, hard inquiries, and addresses are the result of identity theft and fraud. 

As per the guidance from Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block and delete this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

On XX/XX/XXXX I was notified by Columbia Debt Recovery LLC DBA Genesis regarding an amount from a place I moved out of two years ago. I thought I had already settled this with the apartment. I requested an itemized list of what was owed, which they could not provide to me. I also disputed this charge with the company by providing previous emails with the apartment company showing that I owed nothing. I called the apartment complex and they were also confused why I was being contacted by a debt collector as they confirmed I dont have a debt. After I disputed the charge they provided no follow up despite the law : 15 U.S. Code 1681i which states : ** ( **A ). A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency '' I have not received any written notice of the reinvestigation and it has been well over five business days. It is now the end of XXXX and I have heard nothing from them regarding this. They still call me every day asking for me to pay despite me telling them many times to stop contacting me about this false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

have submitted all the documentation to Equifax. 5 time over the last 4 years. I have called them I've spoken to them they refused to remove off the account even though XXXX XXXX XXXX XXXX do not have my authorization / 15 u.s.c. 1681 I have done 604 dispute many times with equifax. The reports are reporting an inaccurate are not my accounts that I request that they deleted off are the guidelines Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX guidelines 15 USC 1681 they are inaccurate and do not belong to me
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint - Incomplete Verification, Reporting Inaccuracies, and FDCPA Violation XXXX XXXX ending in XXXX XXXX I am writing to express significant concerns regarding XXXXXXXX XXXX  recent reinvestigation results on the account associated with my name. XXXXXXXX XXXX failure to provide essential account-level documentation, inaccuracies in verification, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) have led to severe consequences. 

XXXX allegedly verified information without furnishing necessary documentation, breaching 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ) ( 6 ) ( 1 ). Moreover, false credit information dissemination since about XX/XX/2022 has resulted in credit denials and harmed my record, indicating a breach of contract. 

I assert that XXXXXXXX XXXX  actions were willful and reckless, violating section 1681s-2 ( b ) of the FCRA. Additionally, potential FDCPA violations under 15 U.S.C. 1692e ( 2 ) ( A ) regarding late payments raise concerns about false representations of debt. 

XXXXXXXX XXXX failure to conduct a thorough investigation and inaccurate reporting have caused distress, lower credit scores, and credit denial. Alleged violations of 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) further compound these issues. 

I urgently request your attention to rectify these violations, safeguard my financial standing, and prevent legal action. Immediate corrective measures are crucial to restore accuracy and fairness in the verification process. 

Thank you for your prompt attention to this matter. 

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

I used XXXXXXXX XXXX mail to send a certified letter to Transunion with supporting documentation regarding this bankruptcy on my credit file. I received an email from XXXX that states the letter was delivered, and it was picked up on XX/XX/2021 at XXXX. I called Transunion on Monday XX/XX/XXXX, and spoked with a rep to confirm my dispute letter was received. He stated, it was received and it will take five days to investigate. However, I called back yesterday to speak with another rep, and she stated after checking in the system, that my dispute was never received. I'm extremely frustrated because I'm being told different things from different reps, however I know they received the documents from the tracking number. I want to make sure my dispute is open and re-investigated from the documents I sent. I am going to upload everything I sent to Transunion.
Product: Prepaid card

On XX/XX/24 and XX/XX/24, someone fraudulently charged transactions using my Direct Express debit card. I discovered this when I went to withdraw some money from my debit card and the money was gone. The total of the transactions was {$710.00}. I contacted Direct Express about this first on XX/XX/24 and then again on XX/XX/24. They said they would mail me a XXXXuestionaire of Fraud which I received on XX/XX/24. I filled it out and returned it by mail on XX/XX/24 to Direct Express. On a letter from Direct Express, dated XX/XX/24, They informed me that they would be investigating my claim with them. In the meantime, they credited my account for the {$710.00} and stated that if they found that my claim was found to be authorized by me that they would take back the {$710.00}. This month they did exactly that. 
The following transactions are the ones in question : XX/XX/24. {$13.00} XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX XX/XX/24. XXXX The above charges were all made in the XXXX XXXX area of California. I live approx. XXXX miles from there. They were all made at eating establishments, mostly fast food. I have never charged anything on my debit card from that area. My transactions can all be checked for the last XXXX years and I havent charged anything on my debit card from that area. 
I received a letter from Direct Express dated XX/XX/24 telling me that they denied my claim. 
I requested that they send to me the document they used in making this decision. I received those papers on XX/XX/24. They dont tell me anything as to why they denied my claim. 
I have been issued a new debit card since this has happened but I still am in possession of the card I had when all this happened. It has never left my possession that I am aware of. I have never given my debit card information to anyone. I have no idea how this has happened. 
I have copies of all documents that have been mentioned in this letter. I dont know how to send them via email but will gladly send them to you if you let me know where to send them and to whom. 
Thankyou for your attention to this matter. 

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

Equifax breach allowed my sensitive information to be collected. They then offer credit monitoring services which will most likely expire within a year, unless I pay them for this service. Why should this be if my highly sensitive data is out there forever. We are forced to rely on them for credit reporting and give up our information when they themselves can not even keep it secure.
Product: Debt collection

Repeated automated phone calls, and then refusal to answer when I return calls or email back in an attempt to pay the debt. I have made every reasonable effort to pay my debt and have been unable to communicate to do so.
Product: Money transfer, virtual currency, or money service

Greetings I have recently bought a few crypto currency through a app called coinbase. I extremely frustrated, and have contacted the customer support service multiple times. They locked my account because I made a mistake when creating a profile. I put my date of birth as 2017 by mistake and my account has been locked for over a month now. I called the coinbase customer line and it takes almost an hour each time to get a help desk analyst. They always tell me the same exact thing that a ticket has been creating and were working on it. I am extremely frustrated, and have not been able to make investments or get my money since they locked my account. I need your help, and would appreciate it.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I subscribed to XXXX XXXX online for a trial month subscription. I was charged a fee of XXXX for XXXX XXXX which was disputed and cancelled with XXXX XXXXXXXX and they said they would cancel the subscription. XXXX said they can not find my account. I have been getting monthly charges up until XXXX XXXX when I finally decided to put a stop payment on my account. I spoke with Bank of America ( BOA ) periodically over the course of the last 2 years but it was usually when my monthly subscription was pending on my account. NEVER once did they give me the option to dispute previous charges from the month or months before to recoup my funds when I called about the pending transaction nor did BOA tell me to stop payment on this charge until I told them to after talking to another banking institution about my situation. BOA just let me incur banking fees if funds where not in my account. I am disputing repaying BOA the XXXX 4 temporary credit which they say " falls outside of timeframe. '' Which is a 60day timeframe. I would not have fallen outside the timeframe if, every time I called when the charge was pending they would have told me my rights as a consumer regarding the previous charges that could have been removed that was reoccurring each month. I feel taken advantage of and uninformed about my rights. Instant checkmate phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Bankruptcy, Reference # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 U.S.C. 1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 602 A section 2 : It also states a Consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX I was emailed that my card was frozen due to the fact it was stolen or lost which it was not because I had the card on me the card company then put me thru various checks to verify if I was in fact the person who is authorized to have that card after I went thru that for several hours to prove I was in fact the cardholder I still was not allowed access to my account I could not understand why they failed to tell me that XXXX dollars was taken out of my account the only way I found out is because 2weeks prior I had to issue a new card to my wife and she received the new card on XXXX the XXXX had it activated check my account for me and found out I only had XXXX dollars left in the account I then called the card company in which they told me I could file a dispute we did go over my statement of my last transactions over the last 24hours and that's when they read to me that on the XXXX of XXXX I suppose to have transferred XXXX dollars out of my account I told them that is not true I never took any funds out nor did I authorized anyone else to do so currently at this time they have my dispute under investigation I have not submitted any letter yet because I'm a XXXX XXXXr on the road and it's difficult for me to get that done but I am going to get my roommate to do so for me I am also going to call them today which is XX/XX/XXXX and ask that extended credit be issued me someone took my money they seem to believe that I did THEY ARE WRONG I do need help I want my money back and those who stole it arrested
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from Comenity Bank dated XX/XX/2023. It was thanking me for a recent application for a XXXX XXXX Credit Card. They were not approving the application. 

I DID NOT apply for this card. I contacted Comenity Bank to make them aware. I also filed a dispute with XXXX to have the hard inquiry removed from my credit report. 

I have also put Fraud alerts on all 3 of the credit reporting companies.
Product: Debt collection

Midland Funding continues to try and collect a debt that was discharged twice in XXXX separate bankruptcy cases. The continue to tag my Credit report as though this is some sort of new debt. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX Acct : XXXX XXXX
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 with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 

Experian XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXXXXXX XXXX XXXX. 

XXXX XXXX / XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXXXXXX XXXX XXXX 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing a complaint against Synchrony Bank in which my savings account had been restricted as I could not do any type of transactions since 2 or 3 weeks already. My savings account number is XXXX. I have attempted many times by calling and also sent online messages asking why my account was restricted and asked to transfer all funds to my external account with XXXX XXXX via ETF. No customer rep would tell me the reason why I was not allowed to withdraw money because of this unfair restriction practice of Synchrony bank. Today, I was told by the rep 's supervisor to close the account and to create a new one to get my money faster. I agreed with no choice and with my back against the wall agreed with reservations. Unfortunately, the same result ... after they closed the account the transfer of funds to the new account # XXXX wont proceed because of the restriction in the old account. So, in the end, I was not getting my hard earned savings. Even if I am receiving an email response, I was always told to call their customer service and the same results. No one would tell me why there was account restriction and the status of my request to withdraw all my savings. I need the money to be out of this bank ASAP. Thanks for your intercession.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$3300.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$720.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was ordered to leave in 24 hours and break my lease at a rental property. Ileft and they are charging me XXXX. My rent was paid and the place was in good condition and now they won't give me a breakdown. there was no break lease fee or in the lease or rent payment due but yet they are charging me for it. I have tried to resolve this with them but had no success.
Product: Credit reporting

This account from XXXX is closed and I no longer them owe them. Original amount has been paid twice. These amounts are from penalties that is not warranted nor exist anymore. Please remove this.