23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have submitted a complaint already but it seems i can only put XXXX account number in so i 'm doing another because i have XXXX accounts opened by Wells Fargo with out my knowledge. So while applying for my first credit card i could n't get passed the red screen and there were no records of any accounts being closed for being negative or being sent to collections. When i was accepted for a new job XXXX a few days before i was supposed to start they pulled back there offer and said its because of my background check on my credit. I contacted XXXX and found that i had XXXX accounts from wells fargo sent to collections and that i owed over a thousand dollars. I took the account number and contacted Well 's Fargo about it and had them give me the application for the accounts. All the info points to fraud and it happened in XXXX in the middle of the scandal going on. Looking over the application i have never met the banker or stepped foot into the branch. Also i never owned a business and the documents are missing paperwork that says the business is an actual business. Some how they got a hold of my mothers phone number and used that as the business phone. Put XXXX for some boxes and said i grossed {$5000.00} in XXXX when i was n't even XXXX yet. The documents also have no signature and are boxed to be filed manually and from my understanding from my banker that means i needed to be there to open the accounts and there needs to be a signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 alleged fraud or extortion. 



XXXX XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} MI XXXX XXXX XXXX Balance : {$6500.00XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Purchased a vehicle from online ad at local used car lot. XXXX XXXX XXXX. Advertised for XXXX. I was approved, did paperwork, collected the vehicle. Had vehicle for about a month when dealer said the loan fell through so they took vehicle back, requested additional XXXX from me after paying XXXX the first time as down payment. I was working XXXX hours a day at the time so dealer rep drove the vehicle to me at work and had me sign everything for new loan documents in the a field I was bulldozing while I was working in XXXX tx, financing was through Westlake Financial Services. This was in XX/XX/XXXX. Looking at the paperwork later on they had me sign that I borrowed {$23000.00} with 21 % interest. According to Westlakes app they have taken {$15000.00} as of today XX/XX/XXXX since XX/XX/XXXX and I owe them {$21000.00} as of XX/XX/XXXX I dont understand how they can do this. I work so hard and this is crippling me. The vehicle was listed for XXXX how am I financing XXXX if I had to pay a large amount down and have paid already in XXXX year almost the listed price.
Product: Checking or savings account

I made a deposit to the amount of {$2000.00} on  XXXX   XXXX ,   XXXX  , and was credited in error only {$20.00}. I received a letter dated  XXXX   XXXX , that the issue was resolved, and I will receive credit of {$1900.00}. On  XXXX   XXXX , I received another letter saying that they will reverse the credit as it was given in " error ''.   After many phone calls I personally went to the bank today, and spent  two  hours there, and still have not resolved this issue.
Product: Student loan

I applied for IDR repayment XX/XX/year> still in review XXXXMohela in still not putting my account in forbearance with no interest while application is still in review, also have borrower defenses case pending. NO UPDATE NO NOTHING XXXX IS GOING ON
Product: Credit card or prepaid card

Citibank build me for a membership fee of {$95.00} when I had no account with Citibank. I believe this to be a credit card scam. The scam stated I was a member since XX/XX/2017 I've never had a Citibank card in the last 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint  XXXX  : transunion indicated the credit cards identified as identity theft in those complaint were removed from my credit report. Current copies of my credit report still show the fraudulent credit cards on my report. Additional complaints and investigation requests do not result in any changes or complete investigations. I request a complete copy of all investigations completed and reasons for not removing the fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported inaccurate, negative information on my credit report to the big XXXX consumer reporting agencies ( XXXX, Experian, and XXXX ) for a debt that does not belong to me. The collection ( opened on XX/XX/year> for {$XXXX} ) purportedly involves a XXXX XXXX account. 

I called XXXX XXXX years ago when it first attempted to collect this debt. XXXX confirmed the account neither belonged to me nor did it have any record of an outstanding balance associated with my name. At the time, XXXX 's collector discontinued collection efforts and returned the account to XXXX. Additionally, XXXX confirmed that the account in question belongs to a consumer who has a Maryland address. I've never lived in Maryland. 

Please discontinue this collection attempt and remove the negative information to the the big XXXX consumer reporting agencies. 

For policymakers : Consumer reporting agencies have created a system that facilitates XXXX ' Illegally parking of inaccurate information on consumers ' reports. It is, therefore, little wonder why the big XXXX consumer reporting agencies have earned the reputation of being a " cartel '' and a " tool of coercion '' for companies ' illegal collection activity. Policymakers should treat consumer reporting agencies as utilities.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account # 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 furbish an account without my written instructions.
Product: Debt collection

I mail and e-mail Portfolio Recovery Associates, Ask about the debt. Asking the validation debt, I use a validation letter. With my info of the name of the company trying to collect from. The amount and the date of debt are wrong. Ask a few times for info. I got nothing in return. Even after I sent a letter not to call still been getting calls from them. 

my full name is XXXX XXXX crumbles correct address XXXX XXXX XXXX XXXX XXXX tx XXXX snn XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested only my name XXXX XXXX and my current address only and my employment status as ( none
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Money transfer, virtual currency, or money service

Coinbase letter To Whom This May Concern, Last XXXX, Coinbase, in basic terms, stole money from my account by not allowing me to execute a sale of one of my investments which lead to around {$65000.00} being taken from my account within an instant. I have done many trades and transactions with Coinbase over the years but have never run into an issue like this. Ill give a summary of what happened first then get into more detail after. The coin I was trying to sell at a locked in price would not go through their system. I had notice that people were selling the coin as it had been popular at the time and so I tried to sell it and keep my profit, however their system must have been malfunctioning because as I went to sell it would not let me. I kept trying and trying and the price kept falling as the minutes ticked by but Coinbase would not let me sell. Eventually it dropped to a price so low and the sale was actually forced through by Coinbase, causing me to lose the amount stated. I have screenshots of this that prove it and have talked to Coinbase many times over many hours where they have admitted on record to seeing the problem but they never are allowed to let me speak to someone ahead of them like a higher up. Instead they always say Coinbase will get back with you and within minutes, without fail Coinbase dismisses my case. Despite all the evidence I have and their admissions to seeing the problem. 

The original intended sell was of XXXX of XXXXXXXX XXXX eventually went through on face value but in reality just sat in my account despite saying it successfully went through with no error codes. On XX/XX/XXXX at XXXX I sold XXXX XXXX and it shows " Completed '' with all of the information that goes with a completed sale, EXCEPT I later found out that it wasn't completed for some reason, due to your system ( Not my fault, nor my responsibility ). After discovering Coinbase 's mistake I kept trying to sell the XXXX XXXX while it continued to fall in value resulting in a loss of profit in excess of {$65000.00}. Should I not trust when Coinbase says an order has " Completed '' that it actually has completed? 

When I see an order is completed I feel I should be able to close my computer, go on a XXXX vacation and rely that the order actually completed. 

This is a very concise letter explaining everything but I can go into far greater depths than this in explaining what happened. I have reached out to a representative of the FTC and he told me that this is a common occurance and to reach out on here for a resolution. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is using third party to verify my information FCRA, 15 U.S.C 1681 The company them selves have to verify the information and they do not do so. I have a right to get verifying proof Transunion to make sure they are complying with the law. As of XX/XX/2018 the company is not complying to help protect my credit file. The company thinks they can verify information and not tell me how they came up with the information.
Product: Student loan

I called Mohela to be placed in the SAVE plan in XXXX. I talked to an agent, we discussed my estimated payment to be around $ XXXX. I was then auto-debited around {$1200.00} in XXXX for my first payment, which overdrafted my account. I called back ; after hours of hold music, I was told the last agent wrote in the notes I should be put in the XXXX plan, but enrolled me in the wrong IBR plan. I was asked if I would like the full XXXX payment refunded to me or the difference ( XXXX amount less the correct XXXX payment of $ XXXX ). I chose the latter. I was told I would be placed in administrative forebearance through XX/XX/XXXX. 

I am still receiving notices that I missed my XXXX payment. I have tried to talk to agents, and I just get hold music and confirmations that yes, the information I have is the information they have, but I will continue to receive " late payment '' notices until I die.
Product: Mortgage

My home was destroyed by XXXX XXXX on XX/XX/XXXX. Truist Bank offered me " forbearance '' in XX/XX/XXXX, while we were trying to obtain payments from our insurance companies. I have contacted Truist Bank numerous times to find out how my insurance checks could be applied to " pay down '' my balance and have been left on hold for hours and hours over the past months, switched from department to department with no resolve, and then disconnected by Truist with never a call back. On XX/XX/XXXX I sent them {$330000.00} in insurance checks via certified mail with a letter requesting that they be applied to my mortgage balance. On XX/XX/XXXX they applied these checks ( with the exception of a {$9500.00} check that is in limbo somewhere ) as a " restricted escrow deposit ''. I have once again contacted them today to rectify and explain this situation to me. I have just spent over 3 hours being switched around to different departments, left on hold for 56 minutes, and then ultimately " disconnected '' on their end. Once again, no return call. In addition, my online account with Truist includes late fees and a disbursement for " prop insp service '', with no explanation. I WANT to pay them off and proceed with a construction loan with a different bank to rebuild my home, however, they are hindering that progress daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my credit report. 

The following information is the inaccurate information. 

XXXX XXXX XXXX Loan 2 late payments, when there is no late payments. 

The following closed accounts are showing incorrect data on my credit report. 

XXXXXXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 
XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX XXXXXXXX XXXX shows as charge off yet it has a balance how can a charge off have a balance please delete this. 

The following names on my profile are not my name XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Between XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX XXXX  from my Coinbase account to a fraudulent investment firm.
Product: Debt collection

your law firm is in violation of the fair debt collection practice act, and that violation robs the court of jurisdiction in this action against me. Any further drama in court over this matter will place the court, and the Judge in a position to share the civil liability with your unlicensed debt collection law firm. The fair debt collection practice act mandates debt collector law firms must have a license to collect debts, they must have a bond, and they must be registered with the Attorney General for the State they are attempting to collect in. Your law firm does not meet these legal requirements necessary to lawfully collect a debt in my State, and therefore has no legal authority to harass me. 
The fact this debt was charged off the original corporations books, claimed on their taxes and written off as an insurance loss gives rise to the appearance of R.I.C.O. The contract in dispute was not with your debt collection corporation, and therefore you have no legal standing to collect.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


10. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


11. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

upon checking my credit report I seen that I had a negative balance of {$1200.00} I called Capital One which was the owner of the credit card they told me that the account was sold and XXXX XXXX XXXX had my account I called XXXX XXXX told them that my credit card was stolen out of my workplace I used to work as a XXXX XXXXt there was a XXXX  that I attended to next thing that evening I found that my wallet was missing my boss which was a XXXX  simply just gave me money to get home and at that time havent any knowledge to go to the police department report my wallet being stolen So I can have proof of this fact and now Im trying with XXXX XXXX Get this matter solved on several occasions they send me a packet containing no valid proof of billing to this amount {$1200.00} I immediately recalled them back and still no help they say they cant send me what they have in the there computer so now This is one of the steps Im seeking help to gain the necessary clearance of negatives on my credit reporting That isnt valid charges thats bazaar yes Im complaining against XXXX XXXX XXXX I spoke with many agents. Dated my information to be reached everything even spoke with Senior account executives by the name of initials XXXX  First name XXXX