23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Noticed the debt added to my Experian credit file in XX/XX/XXXX. I disputed this account with them and it came back as valid and I asked them to reinvestigate and they did and came back XXXX of XXXX saying it was valid. I have told XXXX I did not open this account but they arent budging either. I DID NOT OPEN THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've identified unfamiliar items on my credit report, indicating potential XXXX XXXX  as I did not authorize these accounts. Previously addressed, I urgently request the removal of these accounts to alleviate XXXX XXXX XXXX XXXX. Their presence distorts my true credit history and financial responsibility, complicating matters significantly. Should resolution not be promptly achieved, I am prepared to pursue legal action to safeguard my rights and seek a remedy. These erroneous entries obstruct crucial financial objectives such XXXX XXXX XXXX XXXX XXXX XXXX A swift resolution to this issue is paramount.
Product: Debt collection

CAINE & WEINER COMPANY XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. Someone from the executive level needs to contact me asap before forwarding to my attorney for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Original Creditor : XXXX XXXX Acct # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX, Original Creditor : XXXX  # XXXX, Original Creditor : XXXX # XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NCB MANAGEMENT SERVICES for committing identity theft. I have never given NCB MANAGEMENT SERVICES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any type of documentation requesting validation from NCB MANAGEMENT SERVICES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NCB MANAGEMENT SERVICES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NCB MANAGEMENT SERVICES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NCB MANAGEMENT SERVICES continues its collection efforts, I will file for litigation for actual damages caused and NCB MANAGEMENT SERVICES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy that is over 9 years old and it should have no financial bearing on me, but it is hindering me and my credit and I need it gone. I've been disputing since XXXX and still haven't had anything come from the bureaus! The first dispute was XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX.
Product: Mortgage

I began the process of a mortgage refinance in XX/XX/2021. Two key individuals I was working with suddenly disappeared, eventually I was contacted by two new individuals and I had to resubmit many of the same documents like starting over. Discussions and agreements with the prior individuals did not carry over to the new ones. The entire process has been confusing and highly frustrating. I FINALLY signed the closing documents on XX/XX/XXXX, both my current mortgage and auto loans were to be paid in full. Neither has yet occurred. Ive received no communications regarding status. I emailed them on XX/XX/XXXX requesting status update, no response from either. Today I called and left voicemails and emailed them and another individual involved with the loan process. I am very worried. Ive never done a mortgage refinance that involved so many problems and took 8 months ( and counting ) to complete. This one is still not complete. I can not reach anyone. Im very worried.
Product: Debt collection

I had Consumer loan to fix my XXXX. I paid the entire loan on time, but they erroneously placed a retroactive amount of {$1600.00} on my record. They were automatically debating my checking account and they had the control.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX # XXXX XXXX ACCNT # XXXX XXXX ACCNT # XXXX  XXXX XXXX  ACCNT # XXXX
Product: Mortgage

I had sent an Monthly Payment for my Mortgage Payments to the Wells Fargo Home Mortgage from my Checking Account at Wells Fargo Bank in XXXX TX. This was a regular thing for me. This instance happen in XX/XX/2012. Eversince then Wells Fargo Home denies receiving it and Bank says they have sent it. They have Slept Interest, Late Charges and my XXXX payment to close XXXX and they constantly harass me to get this money from me. Can Your Agency help me get the redress from this Big Bank and save my Credit.
Product: Checking or savings account

In XXXXXXXX XXXX XXXX, a {$9500.00} check for my Chase checking account was stolen in the mail and cashed at XXXXXXXX XXXX XXXXXXXX. I filed a Declaration of Unauthorized Endorsement with Chase, who said they intend to get back to me and recoup my money in 90 days. However the claim failed, for no good reason. I have called both banks countless times. 

I confirmed with XXXX XXXX XXXXXXXX that the root cause of this was that Chase submitted a typo when they submitted the claim. However though Chase has reopened the claim, I see no evidence they've actually fixed the typo or done anything to resolve something that ought to have been resolved almost a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for Equifax as well as XXXX XXXX XXXX to remove late remarks from my credit files. I have always paid on time and never been late.
Product: Money transfer, virtual currency, or money service

Coinbase ( Financial Institution for Crypto Trading Platform ) has the ability to link bank accounts for quick, easy transfer of cash to and from a customer 's bank account and Coinbase. Coinbase previously has my joint account linked for years- no problem. Cash to and from was fine and trading was fine. I tried to link a new joint account of mine and my husbands to Coinbase to continue trading but Coinbase exclusively used the XXXX app to verify bank accounts. After XXXX would not link I contacted Coinbase directly. Coinbase requested documentation- bank statements and checks to verify that I am a joint owner on the account. Coinbase reviewed and agreed that I am an owner to conduct business with the bank account. However, Coinbase refuses to link the accounts saying that they " can not verify '' my account as I am a joint owner and not the first XXXX listed. Under XXXX rules, I am a joint account owner can conduct business with a bank account. I notified them of this error and they still refuse to allow me to utilize my bank account. I am filing this complaint with the CFPB for a change of business practices with Coinbase ( and possibly XXXX for that matter ) and notify of potential discriminatory behavior.
Product: Debt collection

Here is the timeline : XX/XX/year> Saw LVNV collection filed with XXXX XX/XX/year> Sent letter request proof of validation XX/XX/XXXX Received incomplete validation data letter from LVNV XXXX I sent a cease and desist letter
Product: Bank account or service

Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points on early XXXX. I have not received the points yet. I made multiple attempts to ask Citi to honor the agreement, but to no avail.
Product: Credit reporting or other personal consumer reports

Unauthorized inquires to my credit reports XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a statement from On Line Information Services attempting to collect a debt with a total amount of {$420.00} that apparently stated I owe to XXXX XXXX I do not have any XXXX  account and I have never applied for any of their services. 
I called ON Line Services & spoke to XXXX. Apparently, I have same name as the original debtor but the address is in XXXX Texas which I have never resided. She then asked me to report a fraud or complete a fraud affidavit to be faxed or emailed to XXXX XXXX. Thus, I am filing my case with CFPB for fraud. 
Your help in resolving my case is greatly appreciated. Thank you.
Product: Money transfer, virtual currency, or money service

I 've submitted multiple cases via Coinbase website, I was told that " they 'll follow up with me. '' I have yet to receive any information regarding my case ( s ). They disabled my account due to me verifying ID and address. I sent them my photo ID and address and I 'm still locked out of my account. I also contacted Coinbase Support via XXXX on X/X/2017 ; they replied with " A specialist will follow up with you soon. '' It 's almost impossible to get support from them. I 'm trying to remain calm and patient, but it 's frustrating when I have money in there that I ca n't manage. Coinbase is a solid app overall, but the customer support is unacceptable.
Product: Debt collection

Midwest recovery systems is fraud Im on full medical with medicare and medicaid I have XXXX XXXX. My doctors are aware of this false debt that I dont owe. I request its moved immediatley.
Product: Debt collection

I noticed that a discharged XXXX XXXX bankruptcy is still being reported on my credit report. Per the Fair Credit Reporting Act ( FCRA ), this bankruptcy should no longer appear on my report as it has been discharged. Additionally, the account in question was included in my bankruptcy and should not be reported as an active or delinquent account. 

I took the following actions : [ list any steps you took, such as contacting the credit reporting agency or disputing the item online ]. Despite these efforts, the bankruptcy and the included account remain on my report, negatively affecting my credit. 

I request that you remove this discharged bankruptcy and the associated account from my credit report immediately, as they are no longer accurate or compliant with FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX i have called, sent in letter 's. XX/XX/XXXX XXXX XXXX sent in letter 's XX/XX/XXXX XXXX of i have called, sent in letter 's XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX sent letter to dispute XX/XX/XXXX XXXX called and company sent letter XX/XX/XXXX XXXX sent letter XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter
Product: Credit card or prepaid card

Hello Team, On XX/XX/2021 my credit card was charged by XXXX  XXXX PA for {$130.00} That time I was in the line with my wife and daughter, I could not make that transaction. 
Reported a fraud to Bank of America, and received denial. 
During fraud review process I have received a proof, that a merchant I bought something before was hacked and my credit card details were stolen. 
That company is XXXX ( transaction date XX/XX/2021 ), they are serviced by XXXX. 
Which in turn confirmed a breach from XX/XX/2021, till XX/XX/2021. 
XXXX wrote that they notified me, the merchant, law enforcement, and the bank. 

When I called the bank a third time they said the only thing they have is a receipt of a transaction from ticketleap. When I asked to check those reports from XXXX, they said there is nothing. I just XXXX  and found tons of evidence. 

I truly believe Bank of America is not doing any investigation, they are not even tried to find a root cause, and the only thing they do is to deny it. I have another case opened, which was denied as well, but I didn't have any proof. 

BoA answer and XXXX report are attached.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am filing this report due to a critical concern regarding my FICO score. This is the third time I am submitting a complaint in regard to the same situation that has happened multiple times over the past year ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XX/XX/XXXX, my credit score through Equifax was XXXX. The score factors indicated that I have no missed payments, I have limited the use of my available revolving credit, I have an established credit history, and I have shown recent use of credit cards and/or bank issued open-ended accounts ( see attachment ). On XX/XX/XXXX, my credit score indicated a decrease to XXXX. The factors that were given were no recent revolving balances, few accounts paid on time, and accounts with balances ( see attachment ). My credit report has no negative accounts or information. How can my score decrease when there was no negative activity ( reported or otherwise ) whatsoever between XXXX and XXXX? I have no inactive accounts reported to any of the credit bureaus ( see attachment ). I also have only two credit cards reported and a mortgage, none of which are in delinquency or late ( see attachment ). I have contacted the credit bureaus multiple times in the past to inquire why my credit score has gone down without any reason. Not a single customer service representative at any of the credit bureaus I contacted have provided an explanation. Over a 24-year span of building my immaculate credit, this significant drop is catastrophic and is a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.
Product: Debt collection

UPON CHECKING MY REPORT, THESE COLLECTION ACCOUNTS ARE FRAUD ARE NOT MINE AND MUST BE TAKEN OFF FROM REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I recently checked my credit report and realized that the following account from XXXX XXXX XXXX XXXX is an account I did not open. This account is really hindering my credit report and in result can not get a mortgage for a house I'm trying to buy.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Inside my Equifax account I probably have submitted a dozen dispute cases claiming fraud and identity theft and they have done nothing about it. 

List of negative accounts : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mother passed away XXXX/XXXX/2016 and had a reverse mortgageon her house. My brother and I are the heirs of the house ( will ). Wells Fargo said it gives 180 days to settle the estate but can give extensions. The payoff to Wells Fargo is approx $ XXXX and the bank 's appraisal is $ XXXX so there is collateral. I have started the probate process and they told me it takes up to a year to complete but Wells Fargo will not take probate as an excuse to provide an extension. I have also started refinance procedures and I am trying to get a letter stating I am pre-approved but it to is slow. This is approximately 3 months after my mom 's passing not 6 months and the bank is starting foreclosure proceedings. Wells Fargo 's " Home Preservation Specialist '' is XXXX XXXX XXXX ext XXXX. I do n't know what to do, I have faxed a request for extension which was denied and filled probate and started re-finance. I even had the loan agent call but they said the executor the only one that can provide a third party to get information. Can you advise?
Product: Checking or savings account

Citibank was offering a sign on bonus ( with terms ) when you open a Citi priority checking account. I had tried several times on XX/XX/XXXX to open the account on line but could not. I called them directly and the rep opened the accounts both checking and savings on XX/XX/XXXX no problem I made sure that I would still be eligible for the bonus once I completed that terms and was assured that I would be. But I would need to wait for my welcome pack. When I received the welcome pack, it had my account numbers etc. I then tried to make a deposit and could not. I called customer service and they said that the accounts have been closed by them. I asked why and they really had no answer. I then tried to open the account on line without the bonus link and had no trouble. I called Citi and asked why I can open without the bonus offer but not with the bonus offer. They again had no answer. 
It is my feeling that the bonus offer is a scam to get people to open accounts. I asked for a manager to please call me to explain this but no one has contacted me