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

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Company LVNV Funding LLC is a fraudulent account reporting collections to my credit report for the amount of {$590.00} reported on XX/XX/22. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I sent this email to complain that Coinbase locked my XXXX for 3 months. 
I would like to summarize my case as below : I have a transaction to transfer XXXX from my other wallet to Coinbase 's account ( the last item ).

1 ) Date of deposit : XXXX XXXX XXXX Amount of transfer XXXX XXXX XXXX XXXX Transaction hash : XXXX https : XXXX But in Coinbase it's showing XXXX in my portfolio balance. So all my money XXXX XXXX XXXX XXXX was lost for no reason. 

I submitted a lot of tickets in 3 months but then the Coinbase system told me that the ticket closed with an auto message One of my tickets is XXXX that was created on XX/XX/2020 and is still pending for now even though I sent a lot of follow up messages. 

Please help me. That's all my family 's saving. Please let me transfer my money to another wallet. You guys can close my coinbase 's account. 

Thank you a lot!
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

***This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately*** Equifax ======================== XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX  ***Do not add any fraud alerts to XXXX, Equifax nor XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 I applied to rent an apartment in XXXX XXXX. I sent {$3100.00} to what i thought was the leasing agent. When I went to pick up the keys I found out it was fraud and there was no apartment. I contacted bank of america to report fraud and they opened a claim # XXXX. 

They responded and said there was nothing they could do because i submitted the wire transfer. 

I contacted the police and filed a police report XXXX # XXXX officier XXXX XXXX XXXX. 

I also filed a CFPB claim XXXX with XXXX and they responded saying they will return the money if BofA sends them the proper indemnity letter. XXXX claim XXXX phone XXXX. 

I called BofA and they are refusing to send the letter. 

Police have verified fraud, XXXX has agreed to send money back and yet my bank, BofA, does not believe it was fraud and will not send the form.
Product: Credit card

First of all thank you for taking the time to review my case. I will very grateful for your help. Chase sent me a letter saying to close my credit card because I closed an account in the past. I have only used this card for two months. I have used it correctly and have not missed any payments or anything like that. This will seriously affect my credit score, for no other reason. I have tried to speak to customer service and they will not give me any explanation. I don't understand why they would give me a card only to take it away in two months knowing that this will cause irreparable damage to my credit score for 7 years. I have worked hard to improve my credit score and one system decision is about to destroy everything. According to the customer service agents at Chase it was the bank 's system that made the decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Item dispute letter on XX/XX/22. Received a stall letter from Transunion on XX/XX/22 stating that my request appeared to be sent by an unauthorized party. I sent them copies of my Drivers License, My Social Security Card and my most current electric bill. I did this all myself, and did not have any third party do it for me. Even if I did have a third party do it for me, there is nothing illegal or unusual about that. Transunion has failed to send me any verification or metro 2 compliance information regarding this debt, and I believe they are doing nothing but stall the process. Please look over the documents I sent to Transunion, which I am attaching to this complaint. Thank you. The File Number Transunion sent me was XXXX.
Product: Payday loan, title loan, or personal loan

We are being charged too much money and late fees of {$35.00} a month the company will not work with us to resolve this issue these overpayments we just can not afford because we're on a fixed income it is not fair for us being the consumer we've tried to resolve this issue with a gentleman named XXXX at that time he told us just to send in {$35.00} from sorry {$50.00} a month which we are going to do but then yet and still they continue to keep charging these {$35.00} late fees on top of each other we just can't afford this we would appreciate the help I'm from the consumer finance folks and we hope to get this issue resolved thank you
Product: Money transfer, virtual currency, or money service

I wanted to know when my account would be refunded and out of the negative balance. Because on XX/XX/23, their company had some kind of internal fraud issue, and they allowed multiple transactions to go through on my account. Even though my account was locked and at XXXX balance. Cashapp never allows any charges to go through when you have a XXXX balance. But when their company malfunctioned, cashapp pushed charges through that were pending and then rejected. So my account is now XXXX in the hole because of their internal issue. I should be refunded. Thousands of other people went through the same thing on the same day because of this issue. I reached out over their chat multiple times with no response ( screen shot included ). I also called and the automated service said they would take my number and call me when it's my turn. Well guess what? They never did, and and when I called back they said " we still have your number we will call you when it's your turn '' ). Never called back and then closed.
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 : TRANSUNION - XXXX XXXX ( BANK ) XX/XX/XXXX - XXXX ( BANK ) XX/XX/XXXX - XXXX XXXX ( FINANCE ) XX/XX/XXXX - XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX - XXXX XXXX ( FINANCE ) XXXX XXXX, XXXX - XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX  XX/XX/XXXX - XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I've been harassed from XXXX XXXX XXXX with the same debt before that I don't owe, ever in my life have had business with XXXX XXXX XXXX, XXXX. Now I got another letter from Credit Control , LLC dba Credit Control & Solutions, LLC for the same debt {$570.00}, which is on someone else with the same name but different address. I requested to XXXX XXXX investigate the social security number that person used to get that credit card at the time, and if that information matches with my number then I am a victim of identity theft. Because I can guarantee you that I don't owe that money. 
You can see the documents attached the address does not match with mine, i never have lived in that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self/Lead Bank violated my rights numerous of times I didnt give written permission to furnish account 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1666B : a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1692C ( a ) Communication with the consumer generally 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
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX on XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

All three major CRAs XXXX, Experian and XXXX unlawfully reported personal non public information without permissible purpose violating 15 U.S Code 1681 ( b ) Permissible purpose : ( 2 ) In accordance with the written instructions the consumer to whom it relates. I did not and do not consent to the reporting of this non public personal information which is a clear violation of the FCRA. Also P.L 90-321 ( 82 Stat. 146 ) that states you can only make reports without my written instructions to head of state or local child support agencies.

Experian is also violating section C of the code : Requirements relating to information contained in consumer report. ( b ) No Consumer Reporting agency may make any consumer report containing any adverse item of information other than records of convictions of crimes. Experian, et al transaction and experiences between consumer and Credit card companies without my wriiten authorization Experian et al, used my personal, private information without my knowledge or consent, and according to 12 U.S Code section 1022.3 Identity theft is a fraud committed using the identifying information of another person without authority. Anything added to my consumer report without my written authorization is identity theft. Lastly, Experian et al, is liable according to 15 u.s.Code 1681n- Civvil liability for willful noncompliance. ( a ) in general -any person who willfully fails to comply with any requirements under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages to less than {$100.00} and not more than {$1000.00}. ( B ) - in the case of a liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Experian, knowingly and willfully violated my rights and caused harm to me causing me to not be granted credit and lowering my credit limit by reporting adverse personal information.
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

The XXXX XXXX XXXX have a grave responsible to ensure all information being reported is accurate and correct. The credit bureau is required by law to preform a independent investigation after I as the consumer request that XXXX and Experian go beyond the original furnisher pursuant to section 609 and 1682. I am requesting that XXXX preform a independent investigation with XXXX account XXXX and review all support proof documentation. This account has been re-aged for the original furnisher first date of delinquent and is being inconsistent reporting. Illegally Re-aging account is a violation of the FCRA. This account is being inconsistent reporting of the first date of delinquency. XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX XXXX is not reporting this re-aged account. This account is inconsistent being with different years, months and dates of first delinquency. This are violating of the FCRA by XXXX and Experian. 
I have attached as proof documentation a copy of credit report showing the re-aged and inconsistent reporting by the credit bureaus.
Product: Checking or savings account

Institution has placed an unreasonably long hold on the checks I mobile deposited. Now they are delaying my paycheck from being deposited after they have guaranteed direct deposits to be accessed two days early.
Product: Credit card or prepaid card

I am writing to express my deep concern and frustration regarding a dispute case related to a transaction with the merchant XXXX XXXX XXXX, for the amount of {$1000.00}. Despite my efforts to resolve this matter with both XXXX and Discover, I have yet to receive a satisfactory resolution and feel compelled to seek assistance from the Consumer Financial Protection Bureau. 

On XX/XX/XXXX, I returned the package associated with the aforementioned transaction. I took the necessary steps to contact XXXX and initiate the return process. The tracking number XXXX confirms that the package was successfully returned to XXXX. Furthermore, XXXX themselves have acknowledged the return in the documents I provided to Discover. 

However, I find myself in a perplexing situation where Discover claims that I did not provide the return label for the transaction in question. I want to emphasize that I did indeed include all relevant documentation, including the return label, in the communication with Discover. It is disappointing to be met with this assertion despite providing clear evidence to the contrary. 

I am committed to resolving this matter in a fair and just manner. I believe that the evidence at hand, including the tracking information and the confirmation from XXXX, supports my case. I have made multiple attempts to communicate with Discover and have provided all requested documentation to validate my claim. Despite my efforts, I have not received the resolution I deserve. 

I kindly request the Consumer Financial Protection Bureau to intervene and facilitate a prompt and equitable resolution to this dispute. I have been a loyal customer and have diligently adhered to the necessary steps to address this issue. It is my hope that your involvement will bring this matter to a close and ensure that I am not unjustly held responsible for a transaction that has been clearly resolved. 

Enclosed with this letter, please find copies of the relevant documents, including the return label, tracking information, and correspondence with both XXXX and Discover. I am ready and willing to provide any additional information that may be required to expedite the resolution process. 

Thank you for your attention to this matter. I am hopeful that with the assistance of the Consumer Financial Protection Bureau, a favorable resolution can be reached promptly. I look forward to your prompt response.
Product: Checking or savings account

I received a call from XXXX on XXXX asking to confirm I was opening a checking account with them. I did not, someone stole my identity and they proceeded to deny it. I looked at a disclosure report from XXXX an saw 5 checking account inquires using my SSN since XX/XX/2019 that attempted to open checking accounts. I called XXXX and the identity thief successfully opened an account in my name. XXXX closed it and I am waiting for a letter in the mail about the investigation they conducted.
Product: Checking or savings account

We bank with BMO Harris, particularly the branch in XXXX, IL. On XX/XX/2023, I went to the gas station to buy gas and I discovered that my card declined several times even though I knew that I had {$800.00} on it. I called the bank, and they told me I have to contact the fraud department. I tried for two weeks to speak with a guy named XXXX XXXX, but it seemed as if he was ignoring me every single time I went. I went to the bank at different hours during the day, and there was always some type of excuse - he's on lunch break, he just left, he's not here today. I left him plenty of voicemails and he didn't reply to any of them until XX/XX/2023 informing me that he closed the accounts and stole all the money. I received a letter regarding my account that I received a check deposit for {$3400.00} on XX/XX/2023. A company named XXXX XXXX XXXX XXXX in XXXX, FL tried to deposit this check in my account and the bank accused me of fraudulent transactions. The return reason was - " not sufficient funds. '' I don't know where this check came from and why someone tried to deposit it in my account. On XX/XX/2023, XXXX actually called back claiming that there was another deposit made except for {$6500.00} this time. Meanwhile, I received NO proof of this happening and I could not see these transactions on the mobile app. On XX/XX/XXXX, XXXX called back and said he had to close the account because there were, again, " not sufficient funds '' after the second fraudulent transaction It needs to be said that I am on two accounts, and they froze and later closed both without giving me the money that was on there that was mine, which is almost {$3000.00}. If the bank FDIC insured, why is my money not protected? Because of this problem, I wasn't able to pay for the mortgage and assessment in XXXX and XXXX. This was money I lived on, I wasn't able to buy food either for me or my daughter. This bank put me in jeopardy and this reflects on my credit score. Please look into this, thank you.