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

In XX/XX/2020 I filed an Identity Theft report with the FTC against my ex-wife because I realized she had used my personal information to get approved for two apartments that she lived in and then abandoned, and I was left with the legal repercussions of being on her now broken lease without having any prior knowledge of it. I took action and filed the report and placed a security freeze and fraud alert on my credit with all three bureaus and sent them all my Identity Theft report so they were aware of the situation. Just yesterday, XX/XX/2020, I went to check on my credit accounts with all three bureaus to see how they looked. I was able to get into XXXX and XXXX  no problem, but for some reason I couldn't log in to my Experian account. I selected 'forgot username ' as an option to log in and it said that it had sent my  username information to the email on file, XXXX ', which is not my email but my ex-wife 's. I'm not sure how she managed to gain access to this account but she does know all my personal information from when we were married, including my social security number, date of birth, etc. I immediately tried to contact her and asked her to take her email off my account and although my message is 'read ' I haven't received any communication back from her. I also noticed that there were multiple inquiries on my account from the past few weeks from XXXX XXXX which I don't remember authorizing. I immediately tried to contact Experian to fix the problem and get into my account but it was a nightmare. I sent an email to their customer care center explaining the situation and still haven't heard back. Then I tried to call but it took over 3 hours to get on the phone with an actual human to explain the situation and that was useless because they said that they couldn't verify my identity over the phone. I told them that this was an emergency situation because my ex-wife was able to access my account as we speak and that I had already filed an identity theft report against her and they said that since I hadn't provided my social security number with my communication back in XXXX that this wasn't enough for them to take action and I had to send them this documentation in the mail again. I did so and mailed a copy of my driver 's license, social security card and the documentation to place a security freeze and fraud alert along with an explanation of the situation to them yesterday, but I'm panicked that she will try to take out another loan or fill out an application in my name again under my credit. The lawsuits that resulted from this back in XXXX and are still ongoing have already cost me thousands of dollars and I don't want this to happen again. I want the bureaus to verify my identity verbally over the phone before they allow any inquiries to come through, because I need to ensure that they're not coming from her.
Product: Credit reporting or other personal consumer reports

The letter I received clearly stated, Based on our review and investigation, World finds that the account information being reported to the credit reporting agencies is accurate. Yet the response from the cfpb complaint clearly says that there was an inaccurate balance being reported and has now been fixed. So if there was a thorough investigation into my dispute, how could there still be inaccurate information being reported almost 2 months after receiving my dispute. Also my terms are still being reported wrong, as they have listed numerous times throughout the following paperwork that my monthly payments shouldve been {$75.00} in 5 monthly payments. Yet there is XXXX still shows different. This account negatively affected my credit by reporting a negative account, which was a key factor in me being denied a loan.
Product: Money transfer, virtual currency, or money service

My coinbase account was hacked on XX/XX/2021 around XXXX. The hackers sim swapped my phone number after I had changed my high security passcode with my phone provider XXXX XXXX by XXXX and secured all my devices. It seemed like an inside hacked to me. They were able to bypass my high security passcode and 6digit PIN. The hackers login in from a new IP address XXXX requested to reset a new password, so Coinbase gave the hackers a new password to log into my account on their brand new device without having to wait for 24 hours. Every time I requested to reset my password on my XXXX XXXX I had to wait 24 hours to reset a new password. If coinbase followed their own 24hour password reset protocol as stated in their website to any new devices my account would had been prevented from hackers. I was able to intercepted the hackers and disabled my account on XX/XX/XXXX around XXXX. But it was too late, as soon as the hackers was in my account they transferred all my XXXX to an external address. 
Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( $ XXXX ) Address : XXXX Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( $ XXXX ) Address : XXXX After they transferred all my ethereum, they also purchased {$4300.00} worth of Bitcoin from my linked bank account. They converted to ETH and transferred to an external address. 
Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( {$4000.00} ) Address : XXXX From the information Ive gathered, coinbase is very much at fault for what happened, because none of the above seemed to raise red flags, or triggered security measures to stop it from happening. 
Coinbase should had froze all my funds that was being transferred to an external address especially after I let them know that my account is compromised and I disabled it around XXXX knowing that was not my wallet. I emailed coinbase support asking them to freeze any transactions or withdrawals that was made around XXXX but did not a get a response back about the issue. I also filed formal complaint with coinbase on XX/XX/XXXX, and received a bot response required more time to investigate. Please help me get back my life saving and hard earned money. Thank you and looking forward to a resolution. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally dispute an account on my credit report that was opened without my knowledge or consent. This account was the result of unauthorized and fraudulent use of my identity. I did not apply for or authorize this account in any way. It was opened fraudulently, and I expect immediate action to be taken.
Product: Credit reporting or other personal consumer reports

One Bank to address the issue : Subject : Urgent Request for Correction of Payment Reporting Dear XXXX XXXX XXXX  Customer Service Team, I am writing to bring to your attention an issue regarding the delayed reporting of my payment for my XXXX XXXX XXXX  credit card account. My payment of {$200.00} was made on XX/XX/year> and XX/XX/year> ], but it has not been reported to the credit bureaus in a timely manner. 

As a result of this error, my credit score for XXXX has dropped by XXXX, my equifax by XXXX point my experian by XXXX points, which has had a significant negative impact on my financial stability and livelihood. Accurate credit reporting is critical for maintaining my financial health, and I kindly request your immediate attention to this matter. 

To assist with resolving this issue, I have attached the following documents : Proof of payment ( e.g., bank statement or payment confirmation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name in XXXX XXXX capitol one. This was identity theft. I sent in previous documents reported to law enforcement and capitol one removed the account and then put the account back on my credit report. I contacted the fraud department on XX/XX/2023 and the representative confirmed that the account was removed and then put back on my credit report. This information was provided to me from the capitol one representative on a recorded line and Iwould like this fraudulent account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX  XXXX/XXXX/2022 XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XX/XX/2022 XXXX XXXX/XXXX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX/XXXX/2022
Product: Payday loan, title loan, or personal loan

on XXXX XXXX, I requested to Negotiate this debt and I have yet to get a response
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppelby the silence of XXXX. v XXXX ( mo ) XXXX XXXX | Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exixts. ( Pleas remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX  Delaware Balance {$4200.00}, XXXX XXXX Balance {$1900.00}. XXXX XXXX Balance {$790.00}, XXXX XXXX Balance {$8700.00}, XXXX Balance {$710.00}, XXXX XXXX XXXXXXXX XXXX Balance {$1200.00}, XXXX XXXX Balance {$1000.00}, XXXX  XXXX Balance {$1000.00}.
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I also filed a CFPB complaint over 45 days ago, and you failed to respond. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I mistakenly thought I had no foreign transaction fees from a PayPal/Synchrony MasterCard . I have another PayPal/Concerto MasterCard ( business ) that did not have the foreign fees and mixed up the information. A supervisor reviewed my call log back in XXXX, prior to our trip, a call that was to verify no foreign transaction fees, car rental insurance, and travel dates. They confirmed my conversation and verified that I had acknowledged that foreign fees existed. 

The purpose of my writing was to try and make awareness and require each credit card statement list all potential fees in a basic line to make the consumer aware. There is plenty of blank space to do that, but all that's provided is the Purchase/Balance Transfers and Cash Advances. I could not easily find the information I was looking for and went for the phone call. In my recollection, I had no foreign transaction fees but there was no rental car coverage. We went about our trip using this Synchrony card and XXXX XXXX. 

Part of me thinks it may be to the advantage of the card company to not display this information on every statement. Even listing some coverages that your card may have with a URL listed for detailed information would be very helpful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has failed to provide me with accurate information regarding this account to prove that the alleged account belongs to me. Also, under the FCRA, I'm supposed to be notified about any negative account before it's added to my credit reports, this step was skipped by XXXX XXXX XXXX. The date the account was opened is XX/XX/year>, for {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # 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: Credit reporting or other personal consumer reports

NOTICE TO AGENT/PRINCIPAL I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report. 

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report. 

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, TransUnion, and XXXX, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX TransUnion LLC ( XXXX ), TransUnion faced a {$60.00} XXXX settlement for inaccurately labeling consumers as potential terrorists or drug traffickers. Similarly, XXXX settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. XXXX. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts below, and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 


XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Failure to comply with these demands within will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, TransUnion, and XXXX, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Product: Mortgage

First, I had a pre-approval letter from Mortgage Unlimited on XX/XX/2019 for a loan amount of {$540000.00} with my brother in law as a co-signer for a property located in XXXX. The purchase price for the house is {$610000.00}, and agree to make a downpayment of {$100000.00}. I had entered in a contract with the seller and made a first down payment of {$15000.00}, and pay general inspection for {$1400.00} and a tank sweep requested by my lawyer {$350.00}, and my lawyer fees are {$1500.00} plus any additional fees that will incurred until closing. Before all of that I told my lender that my uncle told me that for the FHH loan, the property will have to pass a self sufficiency test because it's 3 units. He told me this rule will not apply to my case and I didn't know what I was talking about. Then, after I submitted all required documents, on XX/XX/2019 I received an approval letter, and this before the appraisal that I have gave my card information long before for payment. The appraisal was finally ordered by them on XX/XX/XXXX and charged me {$650.00} for it, and made me have paid for home insurance on the property for the amount of {$1600.00} effective on XX/XX/XXXX ( the targeting closing date ). I have told my current landlord that I will move out some time after XX/XX/XXXX because of the lender assured me the loan is already approved. I also paid some money to someone who had a truck to help me moving out and ordered a refrigerator and some furnitures because I was sure that I was moving out soon. Then, on XX/XX/XXXX, the lender called me to tell me that I'm not going to have the loan because the property did not pass the self-sufficiency test, that is 75 % of the rental income need to be the monthly payment. Something that I previously told him I was worrying about. Now, my daughter and I are XXXX  because my landlord already have tenants for XX/XX/XXXX. I put my stuff in storage and currently living in my sister 's house. I even changed my address because I wanted my daughter to register with the neighborhood 's school as soon as school is opened. I don't understand how a lender with years of experience misrepresentation a loan like that make me spend my money, my time, and my energy. I signed a lot of documents including closure disclosure, submitting endless documents in a promptly matter and even locked my rate. I think it's really unfair and was a victim of fraud and being lied to. I am a single mother who was trying to do what best for my daughter and now she doesn't even have a home and a school to go to, and losing about {$20000.00} because I was misleading by this lender and this mortgage company. Please Help!!!
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft and noticed a account on my Trans Union credit report. I received a letter from XXXXXXXX XXXX to remove from to delete from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX opened this case in XXXX, the case was dismissed in XXXX. I received a notice from the clerk 's office stating that this case was dismissed. I received a Writ of Garnishment from my job in XX/XX/XXXX while I was on maternity leave, I reached out to XXXXXXXX XXXX XXXXXXXX they stated that Barclays canceled the garnishment, so I ended up getting a refund for the amount from my employer. I was under the impression that this was handled. A few days ago I received another Writ of garnishment in the mail and they said nothing can be done to stop this. They couldnt provide any information about this account and they wouldn't allow me to set up a payment play or settlement. I also reached out to Barclays directly and they had no clue what I was talking about.
Product: Credit card or prepaid card

I have not looked at a statement from XXXX 's in a very long time because of auto pay. There is a {$15.00} monthly charge from " XXXX XXXX XXXX ''. This has been charged monthly since I opened the account 6 years ago. I feel XXXX for not catching it earlier. When I called XXXX 's account support they said I enrolled in the program when I opened the card and it was a separate company from XXXX's.They then transferred me to speaking to a " XXXX XXXX '' company representative who terminated the service but was only able to submit my request for a fee reversal. I did not willingly sign up for this. If it was a separate company from XXXX 's then they would be able to dispute the charges, correct? The XXXX 's rep said this could not be done. This is around {$1000.00} that I have been paying interest on. I am going to close my account and encourage others to stay away from this company that participates in scamming it's customers.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND FUNDING, for committing identity theft. I have never given MIDLAND FUNDING, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with MIDLAND FUNDING and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving MIDLAND FUNDING any right to collect on this alleged debt. 
I have never received any documentation requesting validation from MIDLAND FUNDING, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If MIDLAND FUNDING, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND FUNDING, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND FUNDING, continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND FUNDING, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

I am a XXXX beneficiary whos policy covers 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to XXXX at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill XXXX properly, to both the Hospital and Collection agency. They keep reporting the same negative information on my credit report after taking the billing payment information. Being that I am a  XXXX beneficiary with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with XXXX and the accounts to show payment in full according to the following federal regulations : When you provide services to a XXXX member from another state, you must accept that states XXXX allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state XXXX members for any amounts in excess of the XXXX-allowed amount for XXXX-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -XXXX