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

Previous case # XXXX there was a response sent with an attachment and attachment was not viewable on my end.
Product: Credit card

I was charged several times for something I didnt authorize Experian to charge my XXXX account for and not sure how they got my credit card number to make the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

OpenAccount # XXXX $ XXXXBalanceXXXX XXXX PLUS XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNotethis should have been removed a long time ago and yet it is still showing on my credit report.
Product: Money transfer, virtual currency, or money service

Pls ill been tell ysll never got this money after winng in lottery stech off ticks say ill bee. Have a Roth IRA since XXXX i didny no nothing about family brother lied too take my money put all these thing imy name with my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX 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 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 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: Checking or savings account

I have many unauthorized transactions on my Bank of America account coming from fanduel. This has been going on from XX/XX/XXXX until I went to file a fraud claim XX/XX/XXXX. I do have a fanduel account which I do make deposits on but there were hundreds of transactions on my Bank of America statement that were not me. The unauthorized transactions started in small amounts which gradually gotten bigger over time which is how I noticed. I have spoken to Bank of America fraud department several times the first phone representative I spoke to put in a random amount I did not give him specific transactions, and of course that was denied. Bank of America told me to compare my bank statement to my fanduel statement and write out which transactions I did not do. After I did that I filed a new claim with the correct fraudulent transactions, and the phone operator told me so send my proof and documents to an email with my claim number on it, just to find out they gave me a business account email so they never received it, he also told me I would receive temporary credit in XXXX business days. I never received credit so I called and I was told that was inaccurate information. I reopened my fraud claim and went to a Bank of America XXXX XX/XX/XXXX so they can fax my documents over to the correct fax number and the fraud department didnt even take time to review them because they denied my claim again, only hours later. I dont know if my only option left is to make a police report, Bank of America keeps denying my claim, stating that these transactions are probably me or a friend that I allowed to use my card, which is completely false, I have been short {$4200.00} since XXXX and I dont know what to do, I did my part and sent my proof, it should be a priority for a bank I been banking with since XXXX to help me, this is the first time I ever had an unusual pattern in my bank account history and they will not help me. I spoke to at least XXXX different operators since XXXX which I keep getting passed around false information and not receiving the correct help. The documents I sent in are proof of my fanduel statements that show exact times, dates and amounts of money I have deposited into fanduel each month.
Product: Money transfer, virtual currency, or money service

During the month of XXXX my cash app account was compromised and money was taken from my bank account and used to buy XXXX  on the app and send out of there leaving me with loss of money from my account and losing my cash app account. I lost over XXXX $ and never receieved it back from cashapp nor my bank. I reached out to cashapp but havent heard anything and my account still remains locked and the money is gone as well. This happened a little over a year ago and I just assumed the money was gone. I believe cash app should be responsible for returning XXXX $ due to it being compromised and in turn causing me to lose money.
Product: Money transfer, virtual currency, or money service

Hello CFPB, All my XXXX  were drained out of my Coinbase account. Some in XXXX XXXX and the rest in XX/XX/XXXX. 
I have been holding these for the long term and did not log on my account for over a year. 
I would like to obtain some help from your office regarding this case. 
Coinbase is not helping me so I contacted some attorneys but they do not want to take my case which is about {$35000.00} loss as they only take cases for loss greater than {$50000.00}. Also, small claims court only take cases below {$10000.00}. 
So, I am in a limbo as I can not get help from either side. 
I am hoping XXXX can apply some pressure on Coinbase to recover the lost Cryptos that I had entrusted to them for safe-keeping and was holding them for my retirement years, as I am already over 68 years of age. 
Coinbase asked me to check with my wireless provider to see if my phone was hacked. My wireless company ( XXXX XXXX  ) has no record of my cell phone being hacked. 
Is there any government agency that would help smaller investors like me from getting ripped off by shady operations like Coinbase? 
Thanks and regards, XXXX XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights. Under 15 U.S.C. 1681, Section 602, I have the right to privacy. Additionally, under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies can not furnish an account or report information without my written consent or instruction.

Furthermore, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX has also failed to disclose critical information in violation of the Fair Credit Reporting Act, particularly regarding my rights to privacy and the handling of my account information.

As a result of these violations, I request that this item be removed or updated accordingly to reflect the accurate and lawful status of my account.
Product: Credit card or prepaid card

I filed a claim for several unauthorized charges on my Discover card about 60 days ago, they have treated more like a criminal. Interrogating over and over. They credited my account and sent me an affidavit to sign after almost 45 days, then they called and said the affidavit was not signed by and they would send another one again. Every time they send one they tell its 7-10 days to get it but instead its about 2 weeks. Till now I have not refined the second affidavit, my account is closed they have refused to reopen it even tho I kept my account in excellent standing. This has been a grueling process, the charges are completely fraudulent and that was easy to prove but for them to advertise 0 liability for fraud and then make a customer to go through this is absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan with Fifth Third Bank that back on XX/XX/XXXX when the Covid 19 I happens I lose my job and called the bank to request request them a deferred on my monthly payments for two months. They sent me a letter offering me up to five months of this deferred payments and I did not accepted them. ( Please find attached this letter XXXX When I got my job back after these two months I brought my account current. ( Please find attached the proof of this payment ) After this payment of this two months I have been paying my account every month on time. After one year I noticed on my credit report in XXXX of XXXX that they had report a late payment of XX/XX/XXXX, so I call the bank and asked them why reported me with a late payment when all I had with them was a forbearance of only two months and I had paid after two months the total amount. They did not want to fix this. Now I find out that they report me again with another late payment of four months. This has been a nightmare with this bank, they don't really care about the customers credit report, They have ruined my credit history, even I have send many letters and made many phone calls to then trying to correct this information. 
I need help because they are ruining my credit history with this wrong reporting of my payment history. 

Thank you.
Product: Payday loan, title loan, or personal loan

Incorrect and misleading information provided to your organization- I was refused and they stated XXXX was the provider of the credit information who could not establish my identity! You have multiple filed reports one for XXXX and the others on the other three credit bureaus. Their reply- " LendingUSA has reviewed XXXX XXXX XXXX compliant and has concluded its investigation. Please see below for findings. 1 ) LendingUSA 's decisioning software was unable to pull XXXX XXXX 's credit based on there being a security freeze that XXXX XXXX placed ( see attachment XXXX- CR Redacted ). XXXX XXXX would need to remove the freeze in order for LendingUSA to have permission to access his credit report and make a credit decision. 2 ) LendingUSA has not retained nor is associated with XXXX XXXX. 3 ) Currently, LendingUSA only utilizes the services of XXXX  when pulling credit reports for credit decision purposes. '' I subsequently received a loan even with the security freeze on. By opinion they claim they provide " bad credit loans '' In my opinion a easy way to get rid of me. I call it misrepresentation!
Product: Vehicle loan or lease

Please update this inaccurate information. 

Account # : XXXX Account Type : Installment Account Type - Detail XXXX XXXX XXXX XXXX Code : CoXXXX Responsible in Case of Default Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$92000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX Equifax and XXXX and have disputed items with them informing them that it was identity theft. They did not send me any information informing me that anything was accurate and things remain on my consumer report. They refuse to delete it. According to 15 US Code 1681 I did not give permissible purpose or for any of the following to be reported on my report. I have the right to privacy. I have not signed anything giving anyone the ok to publish my information on my credit report. This needs to be deleted at once. 
XXXX XXXX XXXX who claims they do not report to the credit bureaus. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX child support and XXXX XXXX  child support these items need to be removed at once
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are not doing investigation. They will not remove the fraudulent inquiries that are enclosing in my attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX has had me in XXXX and early warning system flagged as fraud. I have never committed any fraud activity on my account I had with them years ago. Overdrafting an account is not considered fraud. XXXX  XXXX XXXX has neglected to return my calls or investigate this and remove me from XXXX Early warning system and XXXX XXXX has violated my privacy rights no one ever contacted me to verify this on my consumer history in writing or phone, they allowed XXXX  XXXX XXXX to put me into their system without investigating a just and fair. They never verified accuracy of information for 3 years and ignores my investigation requests
Product: Credit reporting or other personal consumer reports

Those XXXX accounts are opened fraudulently, using my personal info, There are not related to me, I have never applied for those credit cards, and never used them. 

XXXX. XXXX XXXX Closed XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed XXXX {$4500.00} Updated on XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding a discrepancy with my credit report and a closed line of credit previously held through XXXX with XXXX XXXX. Although the account has been closed for over a year, I have always made my fixed monthly payments. During this account 's active period, I did experience two late payments which were recorded in XXXX and XXXX of 2019. At the time of occurrence, I formally disputed these late payment entries, and they were removed from my credit report. Recently, however, I have found that these late payments have re-appeared on my credit report, reflected this time as 30 and 60-day past due. This is a disturbing reappearance, and I request that this discrepancy be investigated and rectified.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Customer Service, I am writing to bring to your attention a discrepancy in the reporting of my son 's Authorized User status and account information on his credit reports. As previously communicated, my son XXXX XXXX is Authorized user on my XXXX XXXX XXXX XXXX Account. Despite my repeated requests, XXXX XXXX has failed to report this account information to Equifax and XXXX credit bureaus. Pursuant to Section 1681b of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), Consumer reporting agencies must obtain and report information from all national Consumer Credit Reporting Agencies, including Equifax, XXXX and XXXX, when creating a consumer report. By omitting my son 's Authorized User status and account history on these reports, XXXX XXXX has violated this statutory requirement. Therefore, I hereby formally request that XXXX XXXX open disputes with Equifax and XXXX on my behalf and his behalf to ensure that our correct relationship and account information are reported and reflected on those agencies ' consumer reports. This dispute should include the following details : My name as XXXX XXXX as Account Holder and XXXX XXXX as Authorized User My account number ending in XXXX His account number is XXXX
Product: Debt collection

In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant. 
Please see the attached affidavit pertaining to the ongoing report.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX consumer XXXX consumer social security # XXXX This complaint has been filed to request pursuant to fcra 605b 15usc1681 c-2 that you, equifax credit reporting agency, block information appearing on my consumer credit report that is the result of idenity theft and fraud/data breach within 4 business days of you receiving this complaint.I am attaching the FTC idenity theft criminal complaint # XXXX as proof of idenity theft/fraud and data breach.This fraudulent inaccurate information consist of the following 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 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 these accounts and hard inquiries where not opened, made, or initiated by me and are the result of idenity theft fraud and a data breach.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against RECEIVABLES PERFORMANCE. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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 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, credit repair services, or other personal consumer reports

I tried to solve this issue with Bank of America in the past but I couldnt get any help. I've called numerous times, sent letters and continue to be told that they see no " fraud '' on the card so they aren't even listening. All I am asking is fairness. This creditor must do what Is fair in my case. I was a victim of fraud back on XX/XX/2017 and I have proof of that. In my last complaint I included the police documents. Ive been trying to fix the big issue that this terrible experience has caused. I had no late payments on either of my credit cards before this happened. Bank of America was not the only company that I had issues with. I was the victim of business fraud which affected my ability to pay my XXXX XXXX account as well as my Bank of America card. The fraud took place in XXXX of 2017. I opened a small store front business and in the process of purchasing equipment I was victim of XXXX  The police department was involved. I have done everything in my power to get the negative payment history removed. It took me about 2 1/2 years to recover to the point of being able to pay my rent each month. In that time period, my Bank of America account became delinquent as I was not aware that this was happening. A look into my credit history shows the time frame of late payments ( a string of 7 late payments ) and the good payments leading up to this time. As soon as I was able, I paid both cards down legally. However, my credit was tanked! Now, I am finding it difficult to get my score where I need it to be in order to move forward. I have already suffered more than 2 years due to this unfortunate event. I began writing my own letters and making my own phone calls. I am still getting nowhere. It actually looks like they did not even investigate the account! According to the three major credit bureaus, the account has not even marked as disputed. These are big violations under the FCRA. I am demanding what its fair. Bank of America must remove the following item of my credit report and provide me a deletion letter for my records. This account is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA : BOA acc # XXXX. Opened XXXX.Limit {$3000.00}. Status : Closed. Balance {$0.00}. This is the last step that I am taking before taking this issue to the next level. If Bank of America denies a deletion letter and the removal of the mentioned account, I will file suit and I am sure that once I talk to my attorneys, the list of violations will go up. This is causing me financial and mental issues. Thanks to whomever reads this