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

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report : XXXX XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} 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.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$790.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3300.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX  ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$620.00} XXXX ( Original CreditorXXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

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

This account listed as a charge off with XXXX XXXX XXXX XXXX is a result of identity theft. XXXXXXXX XXXX proved that the account was used to service a XXXX XXXX XXXX a vehicle I do not or never have owned. They could not verify my address, verify a personal identification card which is required, nor did they have the correct phone number. All they simply said was that the car was registered at my address. This account was open by XXXX XXXX and I have begun legal charges against her. XXXX XXXX could not and have not provided myself or XXXX, Transunion, or XXXX accurate factual data. This account is fraud and needs to be removed. I have tried to dispute this account and the credit companies have not provided me with accurate contractual data to prove this account. Therefore by law this account needs to be removed from my credit report. Unless there is a signed contract with my signature, my drivers license, and or a power of attorney provided this account needs to be removed.
Product: Debt collection

I disputed 3 Collection accounts on my credit report on TransUnion and they came back as " verified ''. In my dispute i requested that they provide proof of verification. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. This was not provided to me. It simply stated they were " verified ''. I do not believe they found actual proof of verification or that these accounts or balances are even mine. The XXXX collections are listed below. 

1. XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX  XXXX, MA XXXX 2. XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ( XXXX ) XXXX 3. XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two collection accounts from XXXX  XXXX  that is being reported to my credit file from XXXX, Experian, and XXXX and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have XXXX accounts with Coinbase.com. 

On XX/XX/XXXX I tried to login to my accounts and got the message that my account has been XXXX and I need to provide photo ID. I was n't sure if their site was hacked or if there was an issue so I reached to Coinbase customer support. They responded back saying a XXXX is looking into my issue. 

After that I messaged several times over several days asking for an update and then finally got a response on XX/XX/XXXX that a XXXX will be looking into my case. I then uploaded by XXXX 's XXXX. But then again i kept sending message and didnt get an update and after several days I was told that my case is prioritized as high priority and XXXX is looking into it. Since then I have been messaging coinbase support for an update and they are not even responding with any update. 

I have XXXX at coinbase that I 'm not allowed access because they have XXXX my account. Please help!
Product: Money transfer, virtual currency, or money service

On XXXX XXXXXX/XX/XXXX at about XXXX XXXX XXXX, someone logged into the business bank account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, held at Chase Bank XXXX and stole {$38000.00}. This was done via a wire transfer of {$19000.00} and four ACH debits, each of just under {$5000.00}. See screenshot below. The four ACH debits were all XXXX XXXX payments. All five transactions were to individuals that I do not know and have no association with me or the business. The first time I found out about these transactions was at about XXXX, when I received an email from Chase bank, notifying me that the wire had successfully been sent. 
I called and reported the fraudulent transactions to Chase immediately after receiving the email. 
I saw that a second wire of approximately {$18000.00} had been attempted and blocked by Chase, along with two ACH debits, of {$4000.00} and {$4500.00}, which were also blocked. This means that Chase did recognize the activity as fraudulent, but did not act quickly enough to prevent the money from being stolen. 
I changed my login and password immediately after speaking with Chase on the phone. 
When I logged on my computer the morning of the incident, but before the crime occurred, when I logged on at chase.com, there was an unexpected delay in the logon process. I received the message new device attestation ( or something very similar ) while I was logging on. I had never had this happen before. It struck me as odd. 
I filed a report with XXXX and the XXXX Police Department on XX/XX/XXXX I am the only person with access to the bank account. 
I did not give my password or login to anyone. 
I requested for the XXXX ID of the device that was used to log on to the business bank account on XX/XX/year>, but was told that this can only be given out via subpoena. 
Friday XX/XX/XXXX, told that the wire inquiry was being closed. I asked for it to be re-opened, but this request was denied. The reason given was that the XXXX time use passcodes that were sent on XX/XX/XXXX were sent to my phone. 
On XX/XX/XXXX, I discovered that a second, unknown phone number had been added to my online banking profile. This phone number ends in XXXX. I did not add it and I dont know who this phone number belongs to. I dont know when it was added. 
I discovered on Wednesday, XX/XX/XXXX that when you call my phone, and my phone is unavailable ( out of service or on an active call ) the voicemail message this comes up is completely different from my normal voicemail greeting. It is for someone called XXXX XXXX. I do not know anyone named XXXX XXXX. 
On Friday, XX/XX/XXXX, I requested that the case be escalated, via the local Chase branch XXXX, XXXX XXXX. 
As of XX/XX/XXXX ( XXXX business days after the incident ) I have not heard anything else back from Chase.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Product: Debt collection

For more than a year and three months, I have attempted to make contact with the ALLY company in an effort to satisfy my debt ( auto loan ) but only after negotiating a lower, more fair final price for my situation. I have made contact and so has my lawyer as well as close family members. We are sent back and forth between different departments or call centers and none of them are ever able to directly answer my questions or help me with this negotiation. I have had the same/ similar disputes with other companies and each time we are able to achieve a resolution and come to a reasonable agreement. I am aware also that class action lawsuits against this company are common due to their predatory lending techniques and unfair treatment of borrowers. 
I don't wish to pursue litigation against this company at this time. I solely prefer to resolve the situation so that we can mutually benefit from the negotiation. They receive payment of the debt and I have a written receipt of payment and derogatory information removed from my credit report. I understand a company having perhaps a staffing problem and maybe their negotiation department has been understaffed and that could explain the problem. I know however that a business is responsible for their employees as well as its " treatment of customers. I feel that I have received unfair treatment from Ally. I have wasted valuable time as well as energy and have suffered XXXX and XXXX related to the handling of my debt with this company. I have struggled to be present and mindful in both my personal and professional life. Since XX/XX/2022, I have made contact with ALLY either weekly or monthly. In XXXX XXXX XXXX I was finally sent a bill of sale for the vehicle which was repossessed and sold at auction. I have since attempted to negotiate a settlement with the company through the company 's online customer portal and by phone. All my attempts to reach someone who is willing to negotiate have been unsuccessful. The worst situations, multiple days in which I had been placed on hold by their redemption center, In house collections and ally account servicing for the entire day from XXXX XXXX cst to XXXX cst. I have also been sent straight to voicemails/answering machine to which I leave my information only to never have my call return. I feel out of options so that is why I am writing to consumer finance in hopes that something can be achieved or accomplished with reaching the ALLY company to resolve my account issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint, then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( Experian, XXXX  and XXXX ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( Experian, XXXX, and XXXX  XXXX. This matter is completely UNACCEPTABLE! 


XXXX  XXXX 's Response  We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS Experian Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XXXX XXXX, 2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XXXX 2020, I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY REPORT!
Product: Money transfer, virtual currency, or money service

XXXX account : XXXX XXXX ( Account closed ) XX/XX/2023 Contacted seller to purchase XXXX XXXX  XXXX XXXX for {$90.00}. Seller gave address of meetup point : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX When I was going to arrive late, seller stated he gave it to his brother, and provided what I believe to be his home address : XXXX XXXX XXXX XXXX, XXXX XXXX However, met at original location of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HI XXXX Seller described item as legitimate XXXX XXXX XXXX  XXXX XXXX, and gotten for his birthday but did not like. Tested condition but did not realize and seller did not disclose that the XXXX were fake/XXXX If so, woud not have purchased. Requested to meet up to return items after verifying with XXXX XXXX  that the airpods were indeed fake, and contacted seller via XXXX on Sat, XXXX XXXX and account was closed after my message. Contacted Cash app ( XXXX ) for refund, but told by " XXXX ' that Cash app could not help with refund and the seller was not responding. Seller 's XXXX XXXX  : XXXX  XXXX Contacted my XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX  ) debit card ( XXXX ), and they requested that I fill out a police report, and have provided me with dispute case of : XXXX. Believe the seller has done this bait/switch sale tactic and believe he is currently selling under XXXX name : XXXX XXXX selling two items : XXXX XXXX XXXX  XXXX Airpods XXXX XXXX XXXX Thank you. 

Thank You, XXXX Police Department
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. The TRANSUNION and XXXX Credit bureaus only sent me a letter stating that the account was verified with no attached documents or evidence from the original creditor reffering to this investigation. This XXXX XXXX XXXX is a closed account. It was paid in full and all the payments were on time. In stead of correcting it in my personal credit profile they keep reporting it with a bad remark as delinquent. I personally sent proof letter to the credit bureaus with all the information that they requested me to provide. But i personally believe that no one take the proper care for a good solution. Even do it is a closed account still affecting me the ability to moving foward with my life. I have been discriminated or im been ignore from my complaints. Because once i submit the complaint to the CFBP to verify the information they automatically delete the information to comply with the complaint. But as soon as you closed the investigation it automatically appears back to my credit report. Please take a deep look into my personal credit report to see what im stating here is the completly thruth.
Product: Vehicle loan or lease

Hello, my name is XXXX XXXX XXXX, husband ( XXXX XXXX XXXX, XXXX ) died in XX/XX/2022. The vehicle/loan is in my deceased husband 's name. I have contacted Nissan Acceptance Corporation, LLC advising them of his death and provided them with the death certificate. I have continued making the monthly payments. I have been calling customer service to see what the process is of getting the loan changed over in my name. I was asked to fill out an application and fax them over to them, which I have done several times and I also mailed it in, as of today the issue has not been resolved and the vehicle will be paid off in approximately 12 months. 

I need help with getting the title changed over so that I can ensure there will be no issues in the future in the event I need or want to sell the vehicle. 

Thank you, XXXX XXXX XXXX XXXX ( home number )
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know why you motherfuckers keep asking for authorization, you know good and damn well that me XXXX XXXX the natural person filed this XXXX complaint and you using this XXXX as a stall tactic because yawl ain't doing your XXXX job at that XXXX XXXX bureau EXPERIAN. I sent my letters in 60days ago and you ain't respond so that mean remove the account off my credit report, I never gave you authorization to add anything on there nor did I give any creditor authorization to give yawl anything to add to my credit report and I want it removed NOW!!! or prove me wrong oh that's right you cant you wasn't there!!! I'm not going to keep going back and forth with you about the illegal and unlawful accounts on my credit report, I already sent all identification needed for authorization but i will upload it again for cfpb purposes, I want all accounts deleted from my credit report NOW!!!
Product: Vehicle loan or lease

Ally Financial blocked all of my payment accounts, my XXXX XXXX XXXX XXXX Account ( because I made a double payment and Ally Financial stated they would send a check, instead of processing the refund via the same method the loan was paid, I did not want to wait XXXX XXXX weeks for a check so I had XXXX XXXX take the payment back ) and as a result, Ally Financial blocked that debit card AND account number from being able to make payments. They also blocked my VISA debit card and account from making payments because although I was on autopay, I made an early payment and Ally took a second payment out of my account, same situation. They blocked all of my methods of payment and still demanded payment for my loan which was due but again, I could not make payments. Not only were late fees that were almost {$100.00} added to account but late payments were reported to the credit bureaus as well because according to Ally Financial it takes weeks to unblock accounts, and this was not something that could be done overnight. I don't understand how you can block a consumer from making payments, take 2-3 weeks to unblock an account, tell the consumer you will contact them after the accounts are blocked, never contact them, charge late fees and report late payments to the credit bureaus. 

This
Product: Credit reporting, credit repair services, or other personal consumer reports

In rebuilding my credit after having identity theft last year I was instructed to sign up for new credit card. I signed up for XXXX XXXX card in XXXX. The card showed up immediately on my TransUnion, XXXX and XXXX  credit reports starting in XXXX. 

Since XXXX my XXXX report has had no further payment updates. I have made all my payments in full each month since I received the card yet XXXX  incorrectly shows I have a balance of {$990.00} which is last month total due which was paid on time. 

For XXXX they show the same balance that has been unpaid. They show I have paid on time for XXXX and XXXX but they are missing XXXX. 

For TransUnion  they show the same balance that has been unpaid. They show I paid on time for XXXX but XXXX and XXXX is missing. 

I called all three agencies and they told me XXXX XXXX has not been updating their data and I should contact them. 

I called XXXX XXXX and they said they have given all three agencies update data through the end of XXXX. They said I should speak with the agencies. 

I am at an impasse and as of this last weekend my TransUnion score dropped by 30 points and my XXXX call dropped 23 point as a result of this miss-information. 

As a result of this miss-information the FICO scores that I have worked so hard to rebuild have been seriously impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. 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. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.