23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XXXX XXXX I was approved for a loan and received a used vehicle from XXXX. 
That day I was asked to sign a XXXX XXXX of Attorney and few forms for the delivery agent for registration and other processes needed to be completed by XXXX before she could leave the automobile, which I politely accepted. I signed the forms and the agent accepted the forms and left the property. 
On XX/XX/2022 I received an email from XXXX XXXX ( Title and Registration Specialist 1 ) [ emails attached ] informing me that they really wish to proceed with registration, which was confusing because I had already signed it. 
She then instructed me to sign my signature a certain way to satisfy her. 

XXXX XXXX told me to : -Sign my name how I signed it on my drivers license. 
[ proof of drivers license signature attached ] -Get Both Documents Notarized. [ proof attached ] -Send both original documents with wet signatures on them ( not copies ) I was unaware that XXXX XXXX XXXX XXXX or any person could tell me how to sign my name. 
When I signed I made a full reservation of rights. AS PER UCC 1 - 308 [ Documented proof attached of events to follow ] On XXXX XXXX I sent a NOTICE OF DISPUTE and affidavit for verification and validation of the debt. 
A letter dated XXXX XXXX which purported their inability to verify and validate the debt owed. 
[ proof of mailing attached ] Again on XXXX XXXX I made another attempt and sent BRIDGECREST another NOTICE OF DISPUTE, which again, BRIDGECREST ignored and did not respond and did not verify or validate the debt. 
[ proof of mailing attached ] On XX/XX/2022 I sent a DEBT VALIDATION LETTER. [ proof of mailing attached ] I received a response via XXXX, which in the re : correspondence received on XXXX XXXX was infact incorrect and a response that BRIDGECREST WOULD remove me from a DO NOT CALL LIST and not a verification and validation of debt. 
[ response attached ] On XX/XX/2022 I sent a NOTICE OF NONCOMPLIANCE and again gave BRIDGECREST another opportunity to verify and validate the debt. [ proof of maling attached ] On XX/XX/2022 I received a letter from BRIDGECREST stating they were unable to process the request.
Product: Money transfer, virtual currency, or money service

Coinbase wallet had over {$100.00} then was just gone. I did nothing to cause this, it was just gone. Many others are having the same problem I am having. Coinbase support only closes your access to your other Coinbase exchange accounts which locks your funds. All you get in response is automated emails telling you XXXX coinbase support can help. Problem is people are pretending to be coinbase support staff on XXXX to try and steal funds in exchange. Coinbase is keeping customers money and not letting them back in to even withdraw there funds. How do they get away with this, are there no laws to protect us from this?
Product: Credit reporting or other personal consumer reports

TRANSUNION RE : Method Of Verification I am requesting the Method of Verification for the following disputed account ( s ) : Account Name : NE DEPT OF HEALTH Account Number : XXXX File Identification Number:XXXX  This letter shall serve as formal notice of my intent to file a complaint with FTC due to your blatant the and objectionable disregard of the Federal Law. Since you have not given me the names of person with their business addresses that you contacted for verification of the information, so that I could follow up as I requested, I assume that you have not been able to verify the information I have disputed. It is really disappointing to find a credit bureau not following the procedures and not maintaining the accuracy norms as required by the Fair Credit Reporting Act ( FCRA ). This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ). Please mail me the proof of your investigation or remove the negative information. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 
1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Your company has never validated or verified these judgement lien entries on my credit report. I need the child support information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
Thank you. 
XXXX XXXX XXXX
Product: Mortgage

We have corresponded with the CFPB many times about our problems communicating with PHH Mortgage/ Ocwen Loan Service . 

There is contradiction from XXXX who acts for PHH/Ocwen . XXXX XXXX wording in his email XX/XX/2021 you will not receive any response directly from Ocwen Financial Corporation and you are advised that I also act as its attorney. 

There are too any words in Mr.Messingers response to the CFPB that are confusing to us like we have never said what we want. 

I will spell this out clearly.CFPB can you ask XXXX to respond that we understand. Yes we have asked for {$540000.00} I will sit down to meet with PHH/Ocwen talk on the phone zoom whatever way they want to communicate. 

Why talk I disagree that Ocwen did not do any wrong. 
XX/XX/2021 Mr.Messinger wording in his letter I have found no basis upon which PHH/Owen would have an obligation to pay you anything let alone {$540000.00}. 

I will stop this crusade and will except {$350000.00} That is what we want. There it is said clear dont ask again what do we want please. 

I will send a formal letter if needed by PHH/Ocwen . 
I will wait and hopefully XXXX will communicate to the CFPB that we know what XXXX wants. 
If there is no clear response we will take legal action. 

Respectfully to all, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and transunion and XXXX a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX CFPB : XXXX Report XXXX, dated XX/XX/XXXX, fails to list my full-time employment, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, since XX/XX/XXXX, with the State of Illinois, my part-time employment, XX/XX/XXXX with the XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, since XX/XX/XXXX, with XXXX XXXX, XXXX, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in XXXX  and that I had an address of XXXX XXXX XXXX XXXX, Illinois. I want my XXXX employments added. I want true copies of the Source Documents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlement ( NMS ) and the Independent Foreclosure Review ( IFR ) because XXXX made errors in servicing my ARM Loan XXXX. Those errors, particularly overcharging me LIBOR,  forced me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.
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Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

US BANKXXXX XXXX XXXX XXXXXXXX and XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

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

The following companies have unauthorized credit inquiries on my report : XXXX XXXX inquired on XX/XX/2021 XXXX XXXX # XXXX XXXX, MN XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 around XXXX I got a transaction of {$3400.00} on Cashapp from a friend and wanted to transfer it into my bank account. My phone number changed recently and I was unable to transfer it because I needed to verify my identiy, however, the only method my bank had to do so was with my old phone number. Since it was XXXX, I couldn't call my bank to change my number. At XXXX the next morning, I called and asked to fix it. 

I went back to my Cashapp, and it was logged out. I tried to sign back in, but again, the only way I could sign in was through my deactivated phone number. 
I tried to sign in using the other methods provided, such as verifying my identity with the card on file for that account, but I was still denied. 

I contacted support, gave my last SSN digits, my full name, my birthday, and still I was denied. It seemed as though they were satisfied with what I gave as identification because they said they were going to " attempt '' to release the account back to me, but then when I did the steps to sign back in they said it was denied. 

When asked to simply transfer the funds to my bank account that was already linked, the only thing they would say to me were " We use variety of security measures to protect your account. We review multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we won't be able to complete the action. I can't manually override this decision or provide additional details, and no further action can be taken. If there's anything else you need today, feel free to reach back out anytime ; we're here to help from XXXX to XXXX ET. '' When asked to try again, I got the same response. 
I asked " I don't understand. If it's due to security reasons what is it securing if you won't even let the owner access it? '' In which the response was " I don't have any new info to provide on this issue. For questions or concerns outside of this, I'm more than happy to help. If there's anything else you need today, feel free to reach back out anytime ; we're here to help. '' They essentially told me that my {$3000.00} was stuck in an account that I can't access due to security reasons although I've given all the information they've asked for.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  $ XXXX -DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I attached a screenshot from my XXXX report. I didn't authorize recognize the inquires
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Supposely I owed a Utility Bill of {$100.00} for a home I owned at one time. I did'nt owe it but paid it anyway. I have record of such. It was closed and is still listed on my credit report.
Product: Money transfer, virtual currency, or money service

World Remit debited my account for XXXX on XX/XX/21 and have no record that the activity occurred from their review. Bank ( XXXX XXXX XXXX XXXX ) statement and confirms show this unauthorized transaction. Bank not willing to help me resolve and state money is with remit. Remit has no record of this transaction.I am at a loss of XXXX dollars which can not be accounted for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft, I've also a victim of the XXXX  data breach. Accounts has been opened up in my name inwhich I have no knowledge of. In particular the following accounts are not mines, therefore I'm asking that they be removed or support by certified physical documentation. Please remove the following accounts. 

1. XXXX XXXX {$12.00} 2. XXXX XXXX XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XX/XX/XXXX about disputing an amount on a debit that was incorrect. They said they verified it and I replied XX/XX/XXXX to dispute that again. And responded yet again XX/XX/XXXX when they reverified again. I still have it on my credit and was refused credit because of it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, Congress passed the Debt Bondage Repair Act as part of a larger package of legislation. This new law was drafted in response to survivors who shared how their trafficking experiences negatively impacted their credit scores, such as traffickers opening or controlling bank accounts or lines of credit in their name.

This new law required the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency responsible for overseeing financial products and services for consumers, to create a process through which survivors of human trafficking can apply to have adverse credit information resulting from their trafficking experience removed from their credit reports. The CFPB has created a proposal, known as a proposed rule, for how this process could work. They are now asking for feedback through public comment, a standardized process the federal government uses to get input on new policy
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Dear The CBE Group Inc, I am writing to dispute the alleged debt listed on my credit report with XXXX, XXXX, and XXXX credit agencies. As per the Fair Debt Collection Practices Act ( FDCPA ), I requested proper validation of this debt, including but not limited to the original creditor 's name, the amount of the debt, and documentation verifying my responsibility for the debt. To date, you have failed to provide sufficient evidence to validate the debt. 

Without proper validation, I believe the continued reporting of this alleged debt on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you immediately delete this account from all credit reporting agencies and cease all collection activities related to this matter. 

Please confirm in writing that you have taken these actions within the next 30 days. If you continue to report this debt without proper validation, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. Additionally, I reserve the right to pursue legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negativity impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit report but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of four inaccurate accounts from pages 3 and 4 of the XX/XX/XXXX XXXX report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX utility bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX listed under page 3 of the attached XXXX report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX On page 6 of the XX/XX/XXXX Trans Union report XXXX there is a XXXX XXXX XXXXXXXX XXXX showing a last payment of {$0.00} being made and received in XX/XX/XXXX. It was reported as good standing in XX/XX/XXXX. 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099.

On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX XXXX XXXX XXXX XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX have been willfully noncompliant to my consumer rights by continuing to reinsert deleted accounts to my consumer report that are inaccurate and without any given notice of reinsertion. These charge off accounts and inquiries are not mine. I have already submitted FTC documents and this has already been resolved in the past. I truly believe Transunion and XXXX are tampering with my private information and consumer report at their leisure and without reasonable procedures. I am demanding fair and equitable treatment of my report once and for all. This is truly causing me so much anguish. I have been seeking knowledge into my rights and even considering legal action. 15 U.S. Code 1681i ( a ) ( 5 ) ( b ) states inaccurate information must not be reinserted. It also indicates a notice of any accurate accounts reinserted must be sent to me the consumer. Transunion 's and XXXX 's treatment of my report have been nothing less than negligent willful noncompliance. 15 U.S. Code 1681o. I have been suffering damages as a business professional due to random reinsertions and inaccurate reporting. Please stop this behavior. 

SEE ATTACHED :
Product: Credit card or prepaid card

Multiple fraudulent transactions on my BMO HARRIS CREDIT CARD.

Ive called twice to try and file a fraud claim on these transactions and they keep giving me the runaround, there are over 24 transactions that have been charged to my card FRAUDULENTLY.

Id like to open a fraud claim on these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit bureau XXXX credit report. It showed an inquiry by your company that I did not authorize. This inquiry was sent to you by XXXX XXXX XXXX on XX/XX/2017. I have obtained a copy of the Credit Application from the dealership signed by me ( attached below ) and they do not authorize you by me to run my credit report.
Product: Debt collection

Called my XXXX to advise her that papers were being served for me, XXXX XXXX, and to provide her the phone number and the reference number to give the company a call back