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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a XXXXXXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. I found that under section 605b ( a ) XXXX, Equifax, and XXXX 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$1900.00}XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting the wrong address information and names on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following address ( es ), names, phone numbers and Employment data from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX
Product: Debt collection

I.C. System Inc. ( bda ) XXXX, XXXX XXXX XXXX is in Violation of 15 U.S. C. 1692-1692P On XX/XX/2018 ( I ) XXXX XXXX received a call at work from a Mr. XXXX XXXX ; in violation of 15 U.S.C 1692 C ( a ) ( 3 ). I was unable to talk at the time, so i called back and spoke to a young lady  about why was i called. 

I was then transferred to a Mr. XXXX XXXX who was both abusive and oppressive with me, in violation of 15 U.S.C 1692d.

Mr. XXXX also used obscene language with me, in violation of 15 U.S.C. 1692d ( 2 ) and i asked him to end the call and he didn't. I ask Mr. XXXX to remove my phone number and to state that i would not receive any further call and he would not agree to do what was asked.
Product: Payday loan, title loan, or personal loan

Per XXXX XXXX our credit/owe is $ XXXX. This is for XXXX XXXX installment. We only owe $ XXXX not $ XXXX. We talked to XXXX XXXX on XX/XX/XXXX and explained to them that it's only $ XXXX and XXXX XXXX representative said she will call us back maybe that same day or later to give us update. We call again to check on them on XX/XX/XXXX and today XX/XX/XXXX but no call back. And it's already shown on our credit report .that makes our score went down. Please help. XXXX XXXX  are not calling us back anymore...
Product: Credit reporting 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 1861. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15U.S.C. 1681 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A 2, states a consumer reporting agency can not furnish an 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 other adverse items of information, other than records of convictions and crimes which antedates the report by 7 years.

15U.S.C. 1681s ( 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 to delete these accounts.
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated everythin XXXX XXXX XXXX was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Account : Achieve Personal Loans Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}
Product: Credit reporting 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.

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Intent to file lawsuit, no response for Validation documentation. 


Validation Letters sent to : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ` XXXX XXXX XXXX XXXX Account # XXXX Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge your company to take this extremely seriously as I have documented my case without error. I encourage a response from your company expeditiously
Product: Debt collection

My XXXX  account was turned over to a Collection Agency for none payment of a bill I was unaware of. I paid the Collection Agency just so they would mark it as paid and show on my credit report. However it is still showing as an uncollected debt on my credit report. I will dispute these charges myself personally with XXXX, but frankly the small amount owed isn't even worth my time.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the united states.if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Furthermore I certify that I am permitted by federal and state to file this dispute. I also understand that knowing and willful misstatements or omissions of materi al facts constitutes a federal criminal violation punishable under 18 usc 1001. Additionally these misstatements are punishable as perjury under 18 usc 1621.These collections found within my credit report are not related to any transaction that Ive made . I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the ftc.
Product: Credit reporting or other personal consumer reports

I recently filed a lawsuit in small claims court in XXXX XXXX and successfully won my case. However, XXXX XXXX XXXX XXXX has not removed the related item from my credit profile in a timely manner, as required by law. This delay has caused me significant distress and financial difficulty, particularly as the company continues to act in violation of 15 USC 1681. Case # : XXXX I am requesting that this item be removed from my credit profile within 24-48 hours upon receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received this email XX/XX/XXXX Experian Membership ID # XXXX You no longer have a FICO Score This can happen for a variety of reasons. Here are your options for re-establishing credit and getting a new FICO Score. 

Starting to consider that this " experian '' is not the " legitimate '' experian corporation, 1 of the three national credit bureaus Paid off XXXX lease XX/XX/XXXX Have had automatic debits for following bills for 16 years on home address 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXXXXXX XXXX. 
4. XXXX XXXX 5. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that all Dispute remarks be removed from all accounts on my XXXX, Transunion, and XXXX reporst. The remarks need to be removed before I can close on my home loan. 

I was told by a Mortgage Company to dispute the issues that were in collection and then now being told by the another company that all dispute remarks have to be removed. I called each company and so far the remarks remain on my report.
Product: Money transfer, virtual currency, or money service

To Whom it may concern on XX/XX/XXXX my Coinbase account was hacked/locked and after numerous emails and phone calls to Coinbase customer Service I have gotten nowhere. 

I was advised by Coinbase to change my password but when attempting to do so the link to reset my password is not coming though to my email. 

For the past 10 days I have been locked out from my account and gotten nothing but Robo- responses from them I had close to XXXX dollars in my account when it was compromised by Coinbase XXXX 

I have had my account for a year or so and just 2 days prior to my account being hacked by Coinbase I had reset my password and access to my account. 

They have been non- responsive and offered no solution, I had saved up the money for my sons first car and now I am not able to purchase a vehicle for him as he will be turning XXXX in a couple of weeks. 

Please contact me if possible
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX 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 XXXXXXXX XXXX XXXX   XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX 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, PA XXXX XXXX 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
Product: Credit card or prepaid card

I was charged over {$620.00} for a XXXX  services. I filed a fraud claim with Discover credit card. I got a letter in the mail stating it was resolved on company letter head and that my credit would remain permanent. I called Discover today and they said I still owe the 600+ money. They said they would not assist me and to go to XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Student loan

XX/XX/XXXX & XXXX XXXX XXXX lies to me stating Navients 3rd party admin Minnesota/XXXX denied my XXXX XXXX XXXX XXXX claim. When I requested the denial documents from Navient they ignored my emails. 
XX/XX/XXXX I received correspondence from Navient stating unlike federal student loans, private student loans are not entitled to discharge in the event that a customer becomes XXXX XXXX. 

XXXX & XXXX I repeatedly requested payment assistance due to me being XXXX with no income and was mislead me into short term payment option, instead of long term solutions. 

XX/XX/XXXX I applied to have co-signer removed and was denied because of financial & credit challenges. 

Navient never notified me of the requirements or my eligibility to release co-signer, when I was repaying on time with perfect credit.
Product: Credit reporting

I contacted your about Equifa/ removing XXXX points from my credit report also I recently contacted Equifax also and they said that it could have been a number of things which caused the decrease. I today looked at my Equifax report and saw that they have removed all of my credit cards from my Equifax file. My XXXX, XXXX XXXX XXXX credit cards, and my XXXX card is no longer reporting on my Equifax file. I spoke with these creditors and they said they are still reporting and this mistake belongs to Equifax. This is true because my other credit files are reporting these accounts. This is wrong and they should n't be allowed to wrong the consumer at their discretion.
Product: Checking or savings account

So, I opened a dispute on Saturday, XX/XX/XXXX for {$1700.00} and had to call in again yesterday because I realized the person that filed my claim missed XXXX transactions for a total of {$190.00}. The representative I spoke to was unable to add these charges to my existing claim but was able to create a new claim for these charges. So the total amount of charges being disputed was {$1900.00}. There were XXXX different merchants in this dispute and from what I can tell they all seem to be some sort of game company. 

Anyways, today I received an email that both have been denied due to authorizations in the transaction activity. I absolutely never authorized these transactions. On top of that, I did not even have the correct phone number on my account until I updated it a few days ago ( Previous phone number was from when I had a credit card with capital one ). So how the XXXX did I authorize these transactions? 

XXXX out of the XXXX companies in the dispute has already refunded {$610.00} out of {$1900.00} being disputed. Clearly, they accepted these charges as fraudulent as they were instantaneously refunded!! 

I am XXXX XXXX XXXX and married and run my own small business. I can not afford to spend almost {$2000.00} at some game companies. I had a XXXX XXXX a few years back ( yes, XXXX XXXX ) and the XXXX medications I have to take are quite expensive to pay for. Not only am I dependent on this money that was taken from me but my physical wellbeing is dependent on this as well. I am sickened at how this has been handled by capital one. I called today and explained this to a representative and she was able to reopen my claim for me but as I said before I am dependent on these funds. When this claim was denied so was my opportunity to receive a temporary credit and the claim should have NEVER been denied in the first place. 

I am outraged and demand a prompt issuance of temporary credit while this claim is properly investigated this time around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is accessing my credit reports for the past several years. There are 2 additional Social Security Numbers other than my own. I disputed them 2 Years ago but those individuals are still able to access my credit reports. How do I go about stopping these individuals from accessing my credit reports. There are negative reports that dont belong to me.