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

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX, Florida XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3000.00} 2. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$25000.00} 3. Account name : XXXX XXXX Account XXXX XXXX owed : {$0.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 5. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1300.00} Inquiries Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX Main Account Opened : XX/XX/XXXX Account name : XXXX Main Account Opened : XX/XX/XXXX Account name : XXXX Card Account Opened : XX/XX/XXXX Account name : XXXX Card Account Opened : XX/XX/XXXX Account name : XXXX Card Account Opened : XX/XX/XXXX
Product: Mortgage

I was working with my bank to get a loan modification. The reason was because my husband lost his job and became XXXX. I kept on giving them all the information and they kept on closing the application. I gave them all the paperwork needed and it took 6 years to get my payment to where I would be able to afford the payment. They also put on my credit report I was in forcloseure but not true. Now that will be a big problem to correct. Because of this my mortgage was increase by $ XXXX more.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

TO DUE NOT HAVING A PHONE NUMBER THAT I DO NOT SUBSCRIBE TO, OR OWN, COINBASE IS REFUSING TO ALLOW ME TO WITHDRAW FROM MY ACCOUNT. 

At this time the Coinbase continues, AND I MEAN, continues to engage in practices that makes it difficult to retrieve my cryptocurrency. I can not withdraw because the company is asking me for a phone number, XXXX That's right, A PHONE NUMBER! I no longer pay a XXXX to use that phone number, and I can not input my new number XXXX, unless the old phone number is on. I no longer have that old number and it is not my number, it belongs to XXXX XXXX, not me. Until this company allows me to have unfettered access to my account, I maintain that they are making it difficult to keep my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX  XXXXXXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I went to college on and off for years which I paid for and my employer paid for. I did not get {$40000.00} in loans to pay for my education. For many years, my credit report has shown where others have used my social security number to get credit cards, take money from my checking account, order on my XXXX credit card, which leads me to know that this to is fraud. I do not owe XXXX {$55000.00} for student loans. This is id theft and someone other than myself profited from student loans that have been linked to my social security number. My mother, nor my sister, never signed any paperwork for me to consolidate student loans according to the paper work that XXXX has mailed to me. This is id theft and it has caused my credit score to decrease from a good credit score to a very negative credit score. Please remove this information from my credit report as it is not my debt. 

XXXX XXXX Police Report # XXXX
Product: Mortgage

On around XXXX-22 through XXXX-22 I closed on a home loan with XXXX XXXX XXXX. The closing was done at a XXXX XXXX restaurant with a notary that handled the paperwork and documentation. I gave a certified check in the amount of {$1600.00} at the time of closing, and had given {$500.00} in the month prior as good faith monies. After the closing I received absolutely no documentation showing that I am the owner/ resident of the property and that I am on the paperwork for the loan. I called and spoke with representatives on numerous occasions to try to voice my concern and receive the documents, but they are very unhelpful/ unconcerned with the matter. There is also no documentation on thier website. I feel that I am the victim of fraud here somehow. I wish to see all of the proof and evidence in writing of the Notary that handled the closing, and how the funds were used to cover what costs, because the amounts that were applied to specific areas were not what was discussed prior to the closing. The home price was {$25000.00} and of the {$2100.00} that was paid, they have made it to where nothing went toward the balance of the home and the monies have vanished. 
Now the original loan number has changed and doesn't reflect what is represented on my Homeowner 's insurance docs. When I check the payment section of thier website, the amounts differ from my records, and the method of payment isn't the same in certain months either. I have checked my credit report via XXXX and it states there that maybe 2 loans are in effect. One area states first mortgage for a duration of 360 months in the amount of {$100.00} and yes with a refinance indicator. This was NOT initiated by me! Then there is the original or second mortgage with 300 months and it states 300 months and a payment of {$3000.00} per month. Also Via XXXX the payment months have {$0.00} paid in XXXX, XXXX, and XXXX, with double payments/ or {$620.00} paid in others- XXXX. I received a payoff letter in XXXX of 2022- someone else may have taken over- assumed a role on the account.
Product: Money transfer, virtual currency, or money service

I was scammed by 2 people on the app. One was for {$550.00} and the other one was for {$650.00}. I contacted cash app and they gave a me a fake number to call and they denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

settle my account with XXXX XXXX XXXX. Account no. XXXX for a XXXX XXXX XXXX The problem is that in my Experian credit history, the account says active and open.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any Inquiries which is found to be fraud due to identity theft. The dispute Inquiries do not belong to me. Please remove these Inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Mortgage

US Bank I have mortgage with refuse to co-operate with PA XXXX XXXX XXXX to credit money to bring my account current.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I initially filed a claim against XXXX. They informed me that " the mortgage was sold and servicing was transferred to XXXX, XXXX XXXX XXXX, XXXX. This has lead to a Summary Judgement for Foreclosure. The Sheriff Sale is pending now, for XXXX XXXX, XXXX. The listed Plaintiff is TRUST, c/o XXXX XXXX by assignment. According to an independent Forensic Loan Audit, the " mortgage was in Violation of the " FTC Act and Unfair & Deceptive Acts and Practices. '' Some of the specific Violations cited were 1 ) Unconscionability, 2 ) Duty of Good Faith and Fair Dealing, 3 ) Unfair and Deceptive Acts and Practices, 4 ) Preditory Lending, 5 ) Lack of Due Diligence in Underwriting, 6 ) Inappropriate Loan Program, 7 ) Deception, Fraud, Unconscioable, 8 ) Equity Stripping, 9 ) Targeting, 10 ) Acccording to the Audit, the lender Violated section 5 of the Federal Trade Commission Act. A copy of the Forensic Loan Audit is attached ; a partial list of excecive collection calls, after contact ; Letters re : Request for " Validation '' of Debt.or stop contact ; copy continued contact. & response to request..
Product: Credit card

I was charged a finance charge by Barclay 's new XXXX when I made the last payment on time to the US Airways XXXX card that was closed by Barclays. I think this is a fraudulent finance charge on behalf of Barclays.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, Wiht date XX/XX/year> I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$5300.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

On XXXX, I reached out to Navient because my autopay was taken off of my account without my knowledge. I was told that it was only scheduled for a year even though I did not receive notification it was ending. My payments have been coming out of my account on the XXXX of each month for almost a year. As a result, I was considered to be 9 days late making a payment. I went ahead and made a payment on XXXX which made me current. My first issue that I have is that I have been making timely payments in order to be eligible to release my cosigner from my loan per Navient requirements. Navient requires 12 months of on time payments before being eligible for cosigner release. Since I was in the XXXX month when they stopped my autopay without my knowledge, I do not meet eligibility criteria for cosigner release per their website even though Navient stopped my autopay without my knowledge. 

Secondly, I spoke with XXXX XXXX on XXXX regarding an administrative forebarence that was placed on my account without my knowledge when I made the payment on XXXX. I did not agree to a forebarence because I was no longer behind on my payment. She stated that it was to help me and I will not have another payment due until XXXX. However, she could not tell me if I will incur interest during this forebarence that I did not agree too or have knowledge of until I checked my account online. 

I feel deceptive business practices are taking place that is not keeping me as the consumer informed about what is happening with my payments. Furthermore, I am requesting that my cosigner be released due to me not being notified my autopay would stop. I am also requesting what are my rights after your review of the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report multiple phone collections all opened around the same time. I have never had a phone bill in my name I have been on my parents phone plan for the last XXXX XXXX and before that I was on my grandmothers plan. I would like these removed from my credit report. I am trying to work on my credit to be able to buy a house.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDITS I SAW NEGATIVE ACCOUNTS ON MY CREDIT REPORTS
Product: Checking or savings account

Fraud Claim XX/XX/XXXX Claim numbers XXXX {$720.00} I need help resolving my fraud claim. I opened a fraud claim last summer. Your team denied my claim, even though I submitted a document from XXXX, stating that someone had illegally billed my account for their Invoices. XXXX immediately refunded several transactions and require that I reach out to chime bank and dispute the remaining transactions as XXXX could only go so far back. These transactions began in 2022. 

I have opened XXXX or XXXX rebuttals and they were all denied, and your team refuses to provide me with a reason for the denial. There is no one in that department that makes the decision to approve or deny a claim that a customer can speak to over the phone. We have to email Chime general customer service email for them to submit an auto-populated response. The response does no more than advise that you are denied and some one will get back to you with the documents utilized in the decision. When a response is emailed back with those documents it is only the documents that you submitted yourself as the customer when you opened your claim. I have been threatened that my account would be closed and hung up on by XXXX supervisors at the head of the claims team that you ARE able to reach via phone. Claim started out at over {$700.00} dollars. Claim was partially denied and emailed with a figure at $ XXXX and again with a figureat $ XXXX. All numbers are wrong. 

I have spent HOURS on the phone and email. Please research my entire claim and let me know who and what I need to do to get my XXXX dollars back.
Product: Credit card or prepaid card

On XX/XX/2020, we visited the local XXXX XXXX store to purchase a mattress. We applied for credit with Synchrony bank and were declined. We paid for the mattress by other means. A few days later we received a letter in the mail from Synchrony stating they " could not approve the co applicant ''. We pulled our credit reports and found nothing amiss and shrugged it off. On XX/XX/2020, we received alerts from our credit monitoring company stating that we had a new Synchrony account for XXXX XXXX. My husband called Synchrony and they said they could not see the decline and that the account was opened on XX/XX/2020 with a {$5000.00} credit line. They could not answer any questions about how the request was submitted. We never reapplied and had no need for the line. We requested the account be closed. On XX/XX/2020, we reached out to XXXX XXXX who stated that they do not resubmit credit reports and that they would escalate the report. We want an explanation as to why a fake account was opened in our names and no one seems to be able to give that to us. We are now asking the CFPB to review the credit card practices of Synchrony Bank so this does not happen to someone else.
Product: Credit reporting or other personal consumer reports

I reached out to the company numerous times about updating to account to positive. I sent off letters and everything.