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

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone : XXXX Equifax XXXX XXXX XXXX, XXXX XXXX GA XXXX Re : Dispute of Fraudulent Debt Claim - Account for XXXXXXXX XXXX XXXX XXXX XXXX, Assigned Agency : XXXX XXXX XXXX XXXX Account Number : NOT LISTED Dear Sir or Madam, I am writing this letter to formally dispute the legitimacy and ownership of a debt claim reported under my name related to an account with the original creditor, XXXX XXXX XXXX XXXX XXXX, and currently managed by your agency, XXXX XXXX XXXX XXXX According to the record, this account was assigned to your agency on XX/XX/XXXX, with a reported balance due of {$280.00}, an increase from the original amount of {$200.00}. 
Please be informed that I have no knowledge or record of incurring this debt under the terms stated and hereby assert that this account is fraudulent or mistakenly attributed to my identity. The distress and financial impairment inflicted upon me by this erroneous claim can not be overstated, as it significantly impacts my creditworthiness and access to financial services. 
Given these circumstances, I demand immediate action on your part to investigate and rectify this situation. Specifically, I request : XXXX. Detailed documentation proving my responsibility for this debt, including any contracts or agreements signed between myself and the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX. A complete history of the account from the original amount owed to the current claimed balance, including an explanation of all charges that have led to the balance increase. 
XXXX. Evidence of your authority to collect this debt, including proof that this debt was rightfully assigned to your agency by the original creditor. 
XXXX. Immediate cessation of all collection efforts and reporting of this account to credit bureaus until this matter is resolved. Furthermore, should this debt be proven invalid or not belonging to me, I demand its complete removal from my credit reports and a written confirmation of the same. 
Failure to adequately address and resolve this dispute within 30 days of receipt of this letter will compel me to take further actions, including but not limited to seeking legal counsel and filing complaints with appropriate consumer protection agencies. 
The continuous reporting of this fraudulent or mistaken debt has caused me unwarranted stress and financial harm. I trust you will treat this matter with the urgency and seriousness it deserves and look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from TRANSUNION, XXXX XXXX have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. " XXXX XXXX '' was opened on XX/XX/XXXX and has a {$11000.00} balance on it as of XX/XX/XXXX. " XXXX XXXX XXXX  '' was opened on XX/XX/XXXX and has a balance of {$450.00} as of XX/XX/XXXX. " XXXX XXXX '' was opened on XX/XX/XXXX with a balance of {$13000.00} as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit card or prepaid card

I called XXXX  American Express friday XX/XX/2018 to  report charges on my card from XXXX that I didnt make. It was a total of 26 charges. XXXX told me to call back when the charges were no longer pending, well I did that on Monday XX/XX/2018 and the company asked me why I didnt call the police or did my husband make the charges. Basically I was told that I am not going to receive my money back.
Product: Money transfer, virtual currency, or money service

Coinbase , Inc . 

In a response to my prior CFPB complaint # XXXX, you stated, " In relation to your specific question about why cryptocurrency sends were not delayed 48 hours after a password reset was initiated from an unknown device, this was not a feature offered by Coinbase at the time of the alleged unauthorized activity on your account. During the time in question, a password reset was delayed by 24 hours on your account, once the 24 hours had elapsed, the alleged unauthorized third party was able to proceed with the password reset using your compromised email address. '' This is false. Below is the timeline of the actions and theft of my funds : Unauthorized Coinbase Password Reset Time : Same Minute at XXXX The correct information of Coinbase password request and password completion is as follows : IP address XXXX password REQUEST on XX/XX/2021 XXXX IP address XXXX password COMPLETE on XX/XX/2021 XXXX This password completion was performed and successful with the SAME MINUTE and not the 24 hour time elapsed, you claim. 

Verified Second Factor Time : Same Minute @ XXXX ( See document attachment ) New device Completed. 
Confirmation completed Time : Same minute @ XXXX Unauthorized Transfer of BTC Time : XXXX ( XXXX minutes after Coinbase password reset ) Unauthorized Transfer of ETH Time : XXXX ( XXXX minutes after Coinbase password reset ) Attached on this complaint are the screenshots on your network involving my account. 
Includes the timestamps of Requested Password reset, Password Reset completion, Verified second factor, New device Completion. 

Also, the 48 hour security hold time of funds-sends was and is a feature.

Next, I immediately took precautions and froze my account. I received a confirmation email from Coinbase On XX/XX/2021 at XXXX pm and another on XX/XX/2021 XXXX that shows I FROZE MY Coinbase account. The 2 screenshots are provided on this complaint and are attached.

Time : Confirmation is less than 10 hours of password change. My action is less than confirmation email.

YOUR SECURITY FEATURE of 24 hour password delay that you claim had elapsed on my account is incorrect.

IF YOU ENFORCED YOUR SECURITY FEATURES you promote, publish, I would have my funds.

What you are doing, and what you've done is classic fraud.

At this point you are fabricating the timing and events that took place on my account to attempt to have no responsibility and blame it on a phone carrier.

I continue to submit all facts on this case, including this deception to the Attorney Generals Office of California, as well as the FTC.
Product: Credit card

On XX/XX/year>, at XXXX XXXX, I received an email from XXXX requesting that I verify my email address. This was the XXXX  interaction I had ever had with XXXX, and I had not created an account or initiated any transaction on their platform prior to this. Immediately after receiving the email verification request, I received a XXXX  email from XXXX at the exact same time, confirming a purchase that I did not authorize. 

The timing of these emails strongly suggests that the purchase was made without my knowledge or approval, potentially by someone else using my information. I had no prior interaction with XXXX, and I did not initiate or authorize the creation of an account or the purchase that followed. 

I promptly reported this unauthorized transaction to Chase, the issuer of my credit card, and provided them with supporting evidence, including screenshots of my XXXX inbox showing the sequence of emails from XXXX. Despite this evidence clearly demonstrating that I did not authorize the transaction, Chase declined my dispute and held me liable for the charge. 

I am filing this report to document the incident as an unauthorized transaction and to assist in my efforts to recover the funds charged to my account.
Product: Checking or savings account

Today, XX/XX/XXXX, I received XXXX mail from Chime that included a debit card for an account that had been set up. I believe this was fraudulent as I did not request this account be opened in my name. I emailed the Chime support account and was informed that my email ( the main email I use for all of my banking services ) was not connected to a current account, despite receiving a card from them, indicating that it was in fact a fraudulent account. I was instructed to call the Chime customer service, who requested personal identifying information that I don't feel I should need to share as it would give any scammer more access to my information. Without providing that information, Chime said they could not close this account. It may be worth noting that the account information shared in the letter connected with this card was for XXXX XXXX, which provides banking services for Chime.
Product: Credit reporting or other personal consumer reports

I received, which indicates that the debt was canceled. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 2. The name and contact information of the person or entity that provided the verification. 3.4. Documentation of all assignment showing transfer of the debt from the original creditor to the current. 5. Proof that the original creditor securitized the debt. 6. Documentation showing the assignments of debt from the original creditor to the secured trust and then back to the original creditor. Copies of any documents or records used in the reinvestigation process. The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. Thank you for your attention to this matter. Provide a copy of the 1099-c prescribed by law. XXXX XXXX # XXXX
Product: Mortgage

Specialized Loan Servicing will not remove my PMI. My loan balance went under 78 % of the apprised value at the time of the loan in XXXX of XXXX. They have since charged me twice ( XXXX and XXXX ) for the PMI. I have been given the runaround on repeated phone calls to them. The last call was on XXXX XX/XX/XXXX and I was told the PMI was " up to the investor ''. I believe this conflicts with the Homeowner Protection Act.
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
As a victim of the XXXX data breach and also a victim of Identity Theft, my personal information has been compromised and used without my consent to create or modify accounts fraudulently. The details of the fraudulent accounts are as follows : Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX shows up on my caller ID number XXXX calls all day and night to connect a credit card debt owed to bank or America. I answered two times both times explaining i am now out of work and will pay ASAP but ca n't do anything to i get another job which i am actively searching for. They told me that 's understandable and asked if they could check in from time to time. I replied fine but do n't call me more than maybe once a month which was agreed on. Ever since then from XXXX XXXX till XXXX XXXX  everyday i recieve countless calls harassing me about the same thing and everytime i ask for this to stop they say it 's not possible. I tried everything but they wo n't allow any peace at home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit card or prepaid card

I applied for a Secured Card from Wells Fargo in XX/XX/XXXXwith the hope to build credit history and on their word heard that I would be able to apply to upgrade to a credit card when my credit score is built up. I had to keep a deposit of {$300.00} and so I did. I stepped in the bank one year later, in XX/XX/XXXX requesting to fill the application for upgrading to the regular credit card and I was denied the request to upgrade because I am not a XXXX XXXX of this country. That seems unfair and un-moral given the prior information they gave me when I applied for the secure credit card. This is a warning which should be given prior because I am now stuck with a secure card, paying a yearly fee, with {$300.00} of my earned money stuck with a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes several times to have the information for XXXX XXXX XXXX XXXX on my credit report adjusted to reflect accurate payment history and Equifax has repeatedly failed to do so. Most recently they deleted all positive Payment history on one account in what seems like an intentional act to show only negative information.
Product: Debt collection

The company is reporting to the credit bureau a debt that I do not owe nor have I ever owed them or any company associated with them. They are not reporting an account number on my credit bureau so it makes it very difficult to contact them. Yet they continue to report this erroneous debt that is affecting my good credit.
Product: Credit card or prepaid card

I went to purchase gas at XXXX using my Chase visa card and I was declined at the terminal. I called Chase and they said it's BJs issue with the terminal. I spoke to the manager at XXXX and he said it is the Chase Card. I called Chase back and they said use another terminal. I tried that and still declined. I had to use another card which worked fine. I have had my banking relationship with Chase for over 30 years. I called Chase back and all they tell me is that my card is fine and it's the merchants fault. I don't know what to do - trust this card or carry two cards with me all times. It took over an hour of my time to get gas when it should have taken 5 minutes
Product: Payday loan, title loan, or personal loan

None of your categories fit my issue. But I financed a loan for a XXXX bike in XX/XX/XXXX and paid it off in summer XXXX. The bike broke and in XX/XX/XXXX XXXX sent a {$2000.00} credit back to TD Bank. Ive been calling TD for 3 months and they wont give me information about payment of the credit they owe me.
Product: Credit card or prepaid card

I am not interested in Annual Fees provided by this company & would like my account closed since fees are being charged
Product: Bank account or service

I applied for an Ally checking account and savings account. I ws granted XXXX. a total of {$20.00} was transferred to those accounts out of my checking account I have had for a while. Then Ally blocked my accounts with them and told them I have to prove to them who I say I am. I called and emailed them several times. Finally I was told they performed a credit check and it did n't go through. During the application process I was never told my credit would be checked by Ally Bank. Also if the credit check did n't go through why did they transfer my money to their accounts? They should n't have done that. The application process should have been stalled until this was settled. I also told them I froze my credit report because I was a victim of identity theft a few years ago. I told them they need to return my money and close my Ally Bank accounts. Instead they refused and if was after this they sent me a signature card which I signed and returned and they keep sending me emails but they refuse to unlock my account, they refuse to return my money and they refuse to close my Ally accounts. They never received my permission to perform a credit check and never said during the application process they would do so. Since the credit check did n't go through they should never have approved me for accounts with them and never should have transferred the money. They have committed petty theft ( stole and refused to return {$20.00} XXXX and they have committed banking fraud and illegally tried to access my credit report without permission. I want my money back and the ally accounts closed. If Ally Bank still refuses to return the money I want criminal charges pressed against the fraudulent company for petty theft and banking fraud. 
They keep sending me emails and mail so obviously they know I 'm not a fraud. Ally Bank is the fraud. They have sent me a checkbook and a banking card. I have n't used any of the checks and I have n't activated the banking card.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX  XXXX, Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

background information ftc violations XXXX  and XXXX XXXX
Product: Vehicle loan or lease

I financed a white XXXX XXXX XXXX XXXX in XX/XX/XXXX with a 26.87 % ( APR ) interest rate per year with Westlake Financial Services Bank. The price of the truck was XXXX. I gave XXXX cash and trade in a vehicle XXXX more for a total of {$5000.00} down payment. It was financed for XXXX making 48 payments of {$520.00} My finance charge of APR was {$9900.00} So far I have paid 45 payments for a total of {$23000.00} and 3 remaining payments due in XX/XX/XXXX for a total of {$1500.00} which will be the full amount paid thats in the contract which is XXXX that reads in the contract. For my surprise I called the bank to request a payoff and they told me it was {$3600.00}. I asked them why that amount if I only owed {$1500.00}. They said because wether you pay on time or not they have an extra charge of interest per day for the duration of the loan extra ( I already had paid {$9900.00}. Why another interest extra charge ). With that said, then, what I have in my contract is not true. I will end up paying approximately {$27000.00} instead of {$25000.00} and that is not what my contract reads. In the past 3 days I have been calling them, have spoken to more than 8 agents and until today no one can explain to me where is that extra charge coming from or where does it explain this in my contract. They told me if after I make my last payment in XXXX and meeting the amount completely financed in the contract, I dont pay that extra interest charge they will repo my truck. 
I went into XXXX looking for reviews of Westlake Financial Services and the majority of the consumers just like me were complaining of the same problem. Tons of very bad terrible reviews. 
Therefore, this is why I am requesting to please consider my complaint and help me find out if what they are charging me is legal or not. 
Thank you in advanced, I will greatly appreciate any information that will help me clear/solve this matter.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion was date XX/XX/year> but I never received a response from the. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX. On XXXX XXXX my family and I went to XXXX XXXX in XXXX XXXX XXXX XXXX California. As we were looking at an suv a salesman XXXX came to talk to us he ask for my information he then went back inside came back with the keys. 15 min later a second sales man approaches me saying he allready ran my credit to many banks I was not present, I dont sign or agree for my credit report to be pulled XXXX did not agree to a price. 
I got very upset I told them to please get these hard I inquirys pulled back. XXXX apologize and said he would talk to his manager. Its been one week I have talk to both managers at XXXX XXXX and another manager the both have not done anything about it. I have talk to credit bureaus XXXX, XXXX  and XXXX. XXXX told me the best thing to do is have XXXX called them and pull back my reports but XXXX hasnt done anything. I also called the four credit banks To reports this and they said to contact XXXX. Please if you can do fix this problem I would really appreciated im so stressed about this matter.