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

I applied for a credit card and got denied. I was not told the reasn why i got denied, I went home and decided to get a copy of my credit report in XXXX  XXXX and I saw various items that had been open. these items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by the police that I am a victim of identity theft, so I pulled my credit report. There is personal information on there that has not ever belonged to me : A wrong number and several incorrect names listed with name id numbers. The phone number XXXX is unknown to me and when I call it, it says " customer unavailable to take your call ''. My name is misrepresented 3 times.
Product: Credit card or prepaid card

I contacted  Sear  s MasterCard o n  XXXX / XXXX /   17 to s peak with them about how they were applying the payments to my balance transfers. They are applying the majority of the payment to the transfer that is due at a later date, because they say that it is a transfer with interest. The transfer that is due at an earlier date is 0 %, but it gets a smaller amount allocated from my payment. The problem is that the larger balance  (  0 % ) is on the transfer that is due first. T he 3.99   % transfer is  due later, but they are applying the majority of the payment to the transfer that is due at a later time. They are misleading the consumer, because they get you to transfer the balances, but pay off the one with interest while leaving the  XXXX  with 0 % so that it comes due and then you are charged with a ridiculously high interest rate. We were told that the computer allocates the payment and that no one in the company could make changes for the consumer. So the consumer has no say in how their payments are allocated.
Product: Mortgage

Re : Loan # : XXXX re : " Missed payment '' letter Dear Ditech, You mailed a letter to my attention regarding a missed payment due XX/XX/2018. 
You are receiving automatic bank payments : *you received payment of {$3800.00} on XX/XX/18 confirmation # : XXXX This is not the first time Ditech is engaged in cashing payments and assessing late fees. 

Please correct your records. 

In the event Ditech will assess a late fee on this payment, I would have no other choice but to contact XXXX XXXX of NY pertaining to improper billing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  for XXXX My yearly re-investigation for XXXX has taken more than 2 months which has prevented me from working. The background company, Checkr, claims delays due to COVID. I contacted them and they claim there is a delay caused by inquiries to specific counties have gone unanswered. I have contacted each county from previous background check and all have stated they answer requests in the normal processing time. 

This check has been underway since XX/XX/2020. 

It is also worth noting that Checkr did my background for XXXX over the summer and it was completed in one day, despite COVID. 

Checkr has failed to list what county causes this delay, and they make speaking to someone live practically impossible. 

I have lost approximately XXXX XXXX dollars in income from this delay.
Product: Student loan

I am a XXXX XXXX employee with the XXXX XXXX XXXX, and have been since XX/XX/XXXX. I graduated from XXXX School ( XXXX XXXX School ) in XX/XX/XXXX, and began working and repaying my loans in XX/XX/XXXX. 

-From XXXX to XXXX I used the Loan Servicer XXXX -In XX/XX/XXXX, I was advised that I needed to switch to the Loan Servicer XXXX  in order to properly be enrolled under the Public Service Loan Forgiveness Program . 
-From XX/XX/XXXX to current ( XX/XX/XXXX ) only 11 of my payments have been counted under the PSLF program. 
-From XX/XX/XXXX to XX/XX/XXXX I have contacted XXXX to resolve this issue, and no one has helped me. I am curious why none of my previous payments ( under a qualifying program for the PSLF Program ) have not been counted or applied to my account. 
-In XX/XX/XXXX, I personally uploaded all of my previous payments made through XXXX on my XXXX profile. I did this because a supervisor verbally told me " she would personally look into why my previous payments had not been counted. '' Nothing was resolved. Moreover, the direct line the supervisor ( XXXX ) gave me is no longer in service. 
-I have provided all the required information timely, and yet continue to get " it will take between 70-90 days to resolve your issue/ count your previous payments. '' It has been more than 18 months, and nothing has been resolved. 
-On XX/XX/XXXX, after 45 minutes on the phone with supervisors XXXX and XXXX XXXX the best resolution they could provide me was " to be patient '' and that " we have everything so it is on us to complete the process of reviewing all your previous payments. ''
Product: Debt collection

I was called by a representative from portfolio recovery at XXXX EST onXX/XX/XXXX and my fianc picked up the phone. This person tried to collect a debt after XXXX to a party ( my fianc ) who didnt verify my identity. My fianc asked why were they trying to collect a debt after XXXX and she said she was only doing what she was told. At first she lied and said she was calling California, which my fianc said no youre not, to which the representative said she was calling Florida ( correct ). She acknowledged she was calling Florida and still tried to proceed. Ive never lived anywhere other than on the east coast. On XX/XX/ I called and talked to a supervisor about this incident. I explained the situation and he claims calls are made based on area codes, even though the woman saw clearly, I reside in Florida, acknowledged, and then continued. He stated if my area code was different than my state, they could call like that. Ive never had this trouble before. I requested my debt be sent back to the original holder. He laughed at me and asked if I wanted to set up a payment with them. I informed them I will be taking further action and disconnected the call.
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 2 3 4 5 6 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Money transfer, virtual currency, or money service

Coinbase fraudulently transferred moiney in the form of bitcoins valued at {$4300.00} on XXXX XXXX 2018 out of my account to coinbase, the trading exchange. 

I get a message on my phone which states " XXXX coins worth {$4300.00} sent to coinbase '' I never initiated or authorized it nor my account was not compromised. I have all logintimes and 2FA set up. 
Coinbase needs to answer why did they siphon out the coin from my account for no reason and pay me back the coin with fines as I lost asset value as well as the principle amount. 

I complained several times to them and all they do is send me FAQs to secure account, lock up my account.They never answer who initiated the transfer to coinbase which is them and what is meant by the message. 
Also I did not get a confirmation email for the same. 
This is a fraud perpetrated by the company against small investors and since we do not have a voice, they do not have adequate support staff to answer and they lock our account, making us suffer losses as well as mental agony. 
Such fraudulent companies must not be let to operate as they find loopholes to suck out money from our legitimate accounts and give no explanation. 
They seem to have no Risk management or processes in place and scant regard for small consumers as we have no voice. 

http : //support.coinbase.com/XXXX
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy CITI Account Number : 54241813 Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE CAPITAL ONE Account Number : 51780584 Delete this account.

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS STRIKE ACCEP Account Number : 1619 Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had check my credit an found some late payments on my credit report, I have written 4 letter to Equifax requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.
Product: Credit reporting or other personal consumer reports

I purchased a car from this company the car kept breaking down this last time it broke down the motor went out they came and picked it up from my house. 
I explained that I didnt want to do business with them anymore a day later my credit was ran without my permission and Ive had to file a police report in retaliation theyve sent a letter saying they are going to sell the vehicle and I will be responsible for the balance!
Product: Checking or savings account

Dear Chime Bank, I write to express my deep disappointment and frustration regarding the denial of my dispute claim. As a victim of fraud, it is my right to seek justice and reclaim the funds that were wrongfully taken from me. It is disheartening to see that XXXX XXXX, with whom I have submitted similar disputes, has promptly approved and resolved the matter. I lost my wallet early next month and got it back from the gas station. All my cards were compromised and my regions bank already have refunded my money from this fraudulent transaction. Only you guys are siding with the scammers, this is so ridiculous. 

I implore you to reconsider your decision and recognize the urgency of my situation. The money that was fraudulently taken from my account is not just a mere sum, but a significant part of my financial stability. It is my entitlement to have these funds returned to me immediately, as per the policies and regulations that govern such matters. 

I understand that investigations can be complex, but it is crucial to prioritize the well-being and trust of your customers. By denying my dispute claim, I feel as though my concerns and rights have been dismissed, and this further exacerbates the distress caused by the fraudulent activity. 

I kindly request that you review my case with utmost diligence and empathy, taking into consideration the evidence and documentation I have provided. I trust that you will rectify this situation promptly and ensure that justice is served. 

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

I have been a victim of Identity theft and this has been on ongoing issues with this company. On XXXX @ XXXX XXXX  ( tracking # XXXX ) Equifax received one of several dispute letters regarding fraudulent established accounts that are being reported on my Equifax credit report. A police report containing the accounts in question was and has also been included with the past several disputes I have sent to Equifax as well. On XXXX @ XXXX XXXX ( tracking # XXXX ), Equifax received a dispute letter on my behalf regarding the same fraudulent accounts that they continue to list on my Equifax credit report. I have stressed the negative financial impact to Equifax this has taken on my personal financial status, sent in supporting documentation, and yet Equifax still continues to violate my consumer rights under the Fair Credit Reporting Act, Section 605b, 609, and 611. It has been well beyond 30, 60, and 90 days and no proof of accurate verification or original correspondence have been provided by Equifax as per the Fair Credit Report Requires. I have provided more than the necessary documentation supporting my claim and yet nothing is being done about the situation.
Product: Debt collection

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$18000.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and XXXX about an account that I have some incorrect information on. I have 5 late payments on an account that should not be on my account. I sent out a dispute by mail on XX/XX/2023 showing proof that the late payments were not suppose to be on my report but Experian told me that they have not received anything. At that point, I tried submitting the documents online but did not go through. Im also trying to fix this same problem with XXXX but I could not reach anyone on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a debt listed on my credit report. The debt in question is being reported by [ US Department of Treasury ], and I am requesting validation of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Please provide the following information to verify this debt : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. The date the debt was incurred.

4. Documentation verifying that I am legally responsible for the debt.

5. Proof that the debt has been properly assigned or transferred to the collection agency, if applicable.

6. A copy of the original contract or agreement ( if available ).

Please note that under the law, the collection agency must provide this information before it can continue reporting this debt on my credit report. Until such validation is received, I ask that you mark this item as " disputed '' on my credit report. 
If this debt is not validated or removed from my credit report, I will have no choice but to escalate this matter further with the appropriate regulatory agencies. 
Please acknowledge receipt of this letter and confirm that the necessary actions are being taken. I look forward to your prompt response. 
Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/year> -- {$5000.00}
Product: Debt collection

Received notification from my credit monitoring service that a collection was added to my public credit profile. I was never notified by the collection company. I called the collection company using the number I received from my monitoring service and spoke to someone. I informed told them the information they was incorrect and to send me proof of what they had. This is an attempt to highjack my credit to extort money from me. 

Please investigate.
Product: Money transfer, virtual currency, or money service

I was looking for a company on XXXX that produces XXXX analyzers for mines. In XX/XX/2023, I found a company XXXX XXXX XXXX XXXX XXXX, which offers XXXX analyzers for mines, for examining stones. They advertise their machines for analizing metals, powders and liquids, which was supposed to solve my problem at XXXX XXXX XXXX. Because although I have a handheld NITON XXXX XXXX, I missed a machine for testing powdered stones and their chemical solutions. They offered their XXXX machine for {$9600.00} with shipping. I made the payment to their account through my bank USBank on XXXX. 

Unfortunately, this shipment was partially looted by XXXX employees. After the sellers completed the missing components and the machine was put into operation, problems arose. Their XXXX machine was doing fake analyses. To check their machine, I tested the same products ( metals, stones, stone powders, electrolytes from electrolysis and electrodes ) with their machine and mine, which was refurbished by XXXX company. 

It turns out that their device makes false results, it does not even detect metal plated on the electrodes : iridium, platinum, gold, silver, rhodium, palladium and others. 

I asked this XXXX company to reprogram their machine for mining, but they can not do it. I asked them for a refund because their machine is not suitable for mining, but they refuse. I asked XXXX XXXX, but they only solve customer cases of non-payment or non-delivery of goods. They don't handle fraud cases like my case. 

I asked my bank US Bank for help in recovering my money, but the people from this bank believed the seller who only sent selected texts of correspondence. 
Moreover, the seller does not have a certificate for this machine or even a manual for this machine. 

They claim that they have the certificate, but it is their secret, which is nonsense, because the certificate must be presented to the seller. I received over XXXX pages of description from XXXX, including safety information - this machine emits dangerous XXXX. I also received certification upon request. This XXXX company should not produce such machines, much less sell them abroad. Not only making false analyses, but there is absolutely no documentation of operation and warnings for recipients. 

I no longer have previous texts with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, I have a new account on XXXX. She should send all documentation of our conversations. Then you will see that they are lying to customers. They still offer their machines for mines, even though I proved to them that these machines are not suitable for testing powders and liquids. In the texts, XXXX XXXX initially writes that this machine is for testing metals, powders and liquids, but during the argument she admitted that their machine is only suitable for testing metals. But this is not true either, because as I wrote, their machine performs false tests of metals on electrodes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not reporting correct information to my credit report. The name on my credit report is wrong, I have never went by XXXX XXXX XXXX. I have submitted my Florida driver 's license and my marriage license to Transunion on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX but I never had the error corrected. Also XXXX collections that were fraudulently open still reflect my credit report. XXXX from XXXX XXXX XXXX who I do not have the account number for instead I have a reference number it 's XXXX ; should be removed. I made a fraud affidavit with the FTC known as identity theft.gov and the reference number is XXXX. XXXX XXXX XXXX agreed in writing to remove their Collections too but only removed them from XXXX. That collection should also be removed from my credit report. The other fraudulent collection is from XXXX XXXX XXXX whom they also agreed to remove that collection. Keep in mind that none of these debt XXXX never sent me any notice that I was being placed in Collections. They never gave me any time to dispute these fraudulent accounts. It 's the law for these companies to do that. You are aiding and abetting these companies to break the law by letting them report false information to my credit report. I need the name on my credit report fixed it should be XXXX XXXX that is who I am. I 'm not changing this is who I am not XXXX XXXX XXXX. I do not know who that is.