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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XX/XX/2023 Social Security Number : XXXX Loan Amount : {$16000.00} It has come to my attention that negative items are being reported on my credit to Experian, XXXX XXXX XXXX XXXX and XXXX XXXX without my consent. Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802.

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

I periodically review my credit report and axcess-financial/check n go appeared on my report. I previously requested a validation of debt but didn't get it until I filed a complaint with the XXXX regarding the matter and requested a validation of the debt. The company alleges I took out a payday XX/XX/XXXX in the amount of XXXX and paid XXXX before it went into default and was charged off XX/XX/XXXX, then sold to XXXX XXXX XXXX XX/XX/XXXX. Some areas of the documents are not initialed or signed, some of the amounts are incorrect or missing and I attempted to go to the location on the document to speak with someone in person because I don't recall this debt but there isn't a check-n-go business present. I received a notice in the document stating " This letter is an attempt to collect the debt described above '' but the letter itself states " Check 'n Go is not a collection agency or a debt collector ''. 

It shows in the installment Summary displays an ACH Return XX/XX/XXXX ( 2 years after the alleged debt was written off ), Past Due and Open. 2 years later XXXX was added 9x with an additional XXXX totaling XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an unauthorized inquiry from Barclays Bank Delaware ( Brcylsbankde ) on XX/XX/2019, on my XXXX credit report. I have never applied nor gave permission to obtain my information to this institution. I have sent several letters to this company and no results. Please provide a bearing signature and application that was created with your company. I am a victim of identity fraud and have locked all of my credit files. Please remove this as soon as possible as it is harming me.
Product: Credit card or prepaid card

Case Notification Case Closed Dear XXXX XXXX : Your request with Case ID - XXXX is now complete. 

Today 's Date : XX/XX/2020 Account : BANK OF AMERICA TRAVEL REWARDS VISA PLATINUM PLUS ending in XXXX Result of your case : Unable to complete as requested -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I opened up a credit card with Bank of America and had no online access for the duration of the account being open. Subsequently, I was unable to pay online and paid in person in cash at a bank branch. Because the technology was weak, I was unable to get this paid off unless it was in person. Subsequently, my account was shut down without any notice or email. I requested them to fund at the very minimum my fees, and they closed any request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to dispute my credit report, there was many discrepencies post on XXXX  XXXX  site bothe with XXXX and equifax. I disputed some items on XXXX  side of XXXX  XXXX then went to post disputes on equifax site and it blocked me from doing so saying my wifi dropped..it did not drop at all just a blocking tactic.im using the same wifi to send this message to you minutes later after attempting to dispute the incorrect aligations on my reports..the dicrepencies has made my hard work keeping a high score impossible..these action against me has dropped my score over 42 points just on these recent discrepancies and 10 points the first time in 2 weeks..these discrepencies were added to my account before the next 21day credit reporting scheduale..these credit repoting companies tied to XXXX  XXXX pretty much change your score if it gets any kind derogatory information in a blink of an eye and any good information is applied in 30 days..these practices are very unfair to the comsumer and are life changing everything you do is based on your credit report, loan rates, housing, mortgages, applying for credit, so on and so on.I have no wau of sending documats to show these credit number drop because I'm using XXXX  XXXX   site to report this and do not want to loose this report doing so..NOTE .the CFCB system will not take my ssi number reporting..NOTE I WOULD LIKE THIS REPORT TO GO TO XXXX  XXXX  TO.THERE ARE NOT LISTED UNDER YOU SYSTEMS LIST OF CORPORATIONS LIST.thank you XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts on my XXXX  report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed hard inquiries that do not belong to me
Product: Debt collection

There are charge off of debt on my credit acct. For 2 credit cards from Capital One. Ive never had any type of credit cards with this company. It is showing derogatory remarks on my credit and I want those removed, along with all the hard inquiries that were done with out my permission.CAPITAL ONE  $ XXXX -Acct opened XX/XX/XXXXCAPITAL ONE $ XXXX  -Acct opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to data breach my personal information was leaked and used by a fraud person
Product: Money transfer, virtual currency, or money service

I've been a customer of Coinbase for several years and last month Coinbase put my account under review without providing any clarities. I could not buy or sell or access any of the funds in my account during this time. I contacted their customer service via live chat and after waiting hours and running in circles with their live agents, they said my identity and information were already verified and I just have to wait for the review process. But they could not provide a timeline as to how long this would take. It is unacceptable that a financial company can just hold your money XXXX for no apparent reasons. I have thousands of dollars in crypto in this account. What if the review takes months and during that time the market drops and I can not sell, is Coinbase going to be responsible for my loss? And what if I need to access those funds for emergency purposes? It is even legal for a company to do this to its customers?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are not investigating the negative accounts reporting on my credit report. ( Attached are copies of my identification documents for reference. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. Department of Education - XXXX and XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; Medical Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit card or prepaid card

XX/XX/XXXX tried to use debit card at store at XXXXXXXX XXXX XXXX  at XXXX XXXX  Debit card declined. Went to ATM inside Bank of America branch at XXXX XXXX  to get cash and transaction declined Called customer service at XXXX XXXX  to inquire about what the problem was with my debit card and was told fraud was made on my debit card and placed on hold for 2 hours to speak with fraud department and was disconnected from the call after waiting hours to speak to someone. 
XX/XX/XXXX XXXX XXXX  called back to resolve this issue and again was told that fraud was on my debit card and again transferred to fraud department and places on hold for about almost 3 hours and no answer. Tried to use debit card app and Bank of America app and was denied access called the number on back of debit card at XXXX XXXX  after entering the card number automated system says my debit card is closed. Called customer service a third time and requested to speak to a supervisor or manager and again placed on hold for hours no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud / Identity Theft 4 Accounts opened fraudulently Confirmed that all accounts were opened and approved completely online/ not reviewed by an actual person XXXX XXXX ( Personal unsecured Loans ) # 1. {$15000.00} XXXX Opened on XX/XX/XXXX Payment made : {$430.00} XX/XX/XXXX # 2. {$12000.00} XXXX Opened on XXXX XXXX XXXX Payment made : {$360.00} XXXX XXXX XXXX - spoke to at XXXX XXXX XXXX XXXX XXXX XXXX spoke XXXX XXXX # 3. XXXX XXXX Opened on XX/XX/XXXX {$9000.00} ( Personal unsecured loan ) ** keep sending me emails to prove this loan is not mine requesting time sensitive requests otherwise threatening to legitimize the debt ** customer service unable to transfer me to fraud dept. via phone # 4. XXXX XXXX XXXX ; now XXXX XXXX out of XXXX XXXX, FL Opened XX/XX/XXXX Routing # XXXX Account # XXXX ** Used phone number ( XXXX XXXX ) & email address that is not mine XXXX - ended up on my credit reports XXXX Used old address to send bank statements XXXX XXXX XXXX, XXXX, FL XXXX Where I have not lived for 9+ yrs Used fraudulently obtained bank account to deposit loan funds, and transfer monies to other accounts held by perpetrator All personal loan companies have continued to re-report the illegitimate accounts to the credit bureaus Equifax XXXX XXXX XXXX Security freeze/fraud alert Conf # XXXX
Product: Checking or savings account

There were unauthorized withdrawals made from my twXXXX checking accounts XXXX totalling XXXX dollars. I was at XXXX at the time with my debit card and the withdrawals were in the XXXX. After receiving an email from chase regarding fraudulent activity on XX/XX/XXXX I called and filled claims. Temporary credits were made to my account but later on XX/XX/XXXX and XXXX chase took back the credits. I explained that I was not in the US at the time of the withdrawals and transactions I did at the airport and hotel proved it but i still lost the claims bc my pin was used for the withdrawals. I would like a thorough investigation of this matter bc im sure that this also happened to other individuals who used the ATM machines at chase XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( Equifax ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX  ( XXXX ) ; not XXXX  XXXX. Additionally, when I did work at XXXX  XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX XXXX XXXX
Product: Credit reporting

Where to begin, stuff with Equinox just keeps getting worse. After pulling todays report, Equifax has broken the law so horribly I seriously pray the CFPB sues them. They have done the most nonsensical and illegal activity one can imagine and I am glad I have proof. 
They had received my ID Theft report, Police Report and all originals when my SSN was first stolen and misused in XX/XX/XXXX. They hesitated but none the less blocked XXXX Fraud Student Loans, Inquires that I never applied for, and other accounts. Ironically a XX/XX/XXXX closed XX/XX/XXXX XXXX XXXX XXXX account that was Paid on time and in good standing they deleted purposely as the facts and reports i attach will prove. None the less the reports are so filled with inconsistencies like fraudulent addresses, accounts, and timelines that make absolutely no sense. They EVEN REMOVED MY FREEZE THAT I AM ENTITLED TO UNDER STATE LAW. ONCE A CONSUMER SENDS A COPY OF HIS OR HER ID THEFT REPORT AND POLICE REPORT IT IS REQUIRED THEY DO SO. Now I have a plethora of reinserted ( and never told why or how they came to that idiotic position ) accounts, inquires, and as a form of retribution XXXX positive never disputed old but not beyond the SOL accounts DELETED. Please look closely at the evidence I upload, and the corresponding dates, you will quickly see NONE OF IT MAKES SENSE NOR ADDS UP. EQUIFAX IS IN CLEAR VIOLATION OF FACTA AND FEDERAL LAW.
Product: Money transfer, virtual currency, or money service

I am filing this complaint as a follow-up because my initial case was wrongfully closed without allowing me access to Crypto.coms response. Crypto.com is knowingly withholding my stolen {$5000.00} despite clear evidence of fraud. Their handling of this case demonstrates bad faith, negligence, and regulatory noncompliance. 

Between XXXX and XX/XX/year>, I was the victim of financial fraud involving a third party that directed me to use Crypto.com. The scammers explicitly recommended Crypto.com as their preferred platform, which raises concerns about the companys involvement in enabling fraudulent transactions. 

I immediately reported the fraud to Crypto.com, but they deliberately obstructed my case, refused to provide a standard case number, and stalled responses. I later reported the fraud to law enforcement, my bank, the Federal Trade Commission ( FTC ), and the CFPB. Despite these escalations, Crypto.com falsely claims the matter is " fully addressed '' and refuses to refund my stolen funds. 

Furthermore, Crypto.com misled the CFPB with documents that were not made available to me, resulting in my case being closed unfairly. The company is actively profiting from fraudulent transactions while denying accountability.
Product: Debt collection

Re : Case # : XXXX Dear XXXX XXXX XXXX In respose to your letter today XX/XX/XXXX XXXX  please be advise that the last 4 of my SSN are correct to start with. I did not provide the XXXX, the representative asked me for my phone number and I provided XXXX, Both of the account that you have on file were the result of Identity theft I made that very clear to the representative on the phone. I sent a letter to compliance via certified mail XXXX to XXXX XXXX XXXX XXXX XXXX, CA XXXX. Enclosed was a Id Theft affidavit and Copy of the police report as well as copy of my DL. In this complaint is attach the letters from the original creditor statement that they agree that the account indeed were the resualt of Id Theft. I am not gooing backk and forth with MCM next step is retaining an attorney and filing a suite for willful non compliance. This is an official notice of my intent to file federal law suit. Your company has 7 days from this complaint to delet this account XXXX. XXXX XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXXXXXX. 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 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 of the item 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

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 XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : LVNV FUNDING LLC, Account Number : XXXX has violated my rights to privacy. 

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

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

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

Amount was already paid and deletion from cred report should already be processed by now
Product: Debt collection

I have a collection on my credit report that has been paid but it was sent to a collection company that continues to attempt to collect the debt. I have tried to dispute this with the credit bureaus but have not received any notice from them that they even opened the investigations. Please help me to get the collection removed from my report.
Product: Mortgage

The company bought my loan in a transfer of servicing. My XXXX XXXX XXXX was escrowed into my monthly payment. The Servicer has since dropped my escrow collection on the insurance without my knowledge or at my request. I just learned that they took XXXX XXXX XXXX XXXX, shorted it to pay escrows, and placed the remainder of my XXXX XXXX XXXX  payment into unapplied funds. Thus, it is not allowing me to make the payment for XXXX. 

In escalation calls, it was determined that my insurance was always escrowed and collected. Yet they still disagree that I am current on my escrows and not my XXXX XXXX XXXX. Three times, I have account transactions and escrow analysis to be emailed. Yet, I have not received any information after multiple requests over multiple days. 

In short, I am convinced that this company is in violation of Reg Z. 

I am asking for your assistance in resolving this confusion. I will pay all amounts to bring them current, but something is wrong, and they can't even figure it out on the phone. Please help.
Product: Debt collection

Superlative RM also under as XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report that I owe {$420.00} for ( Account # XXXX ) Reference # XXXX. I have sent a letter back in XX/XX/XXXX and received a letter back with a copy of a one sheet account summary on XX/XX/XXXX. This is not proving that I owe the alleged amount that you are reporting one my credit. I sent another letter and /I didn't receive a response. Then I sent another letter XX/XX/XXXX and you received the letter XX/XX/XXXX stated that you failed to verify that I owe the alleged debt. Verification is a signed company of contact with my signature that I agreed to pay the above above. I have not received anything since the last letter sent providing proof that I owe the debt that you are stating that I owe. This is against the law to report incorrect information on my credit report. THE CFPB is authorized to investigate this matter and received related information. I promptly request deletion of the alleged debt above from all 3 major credit bureaus. Failure to comply to this request is against the law and I will be forced to turn this matter ever to an attorney. See enclosed copy of certified mail receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt