23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On or around XX/XX/year> I applied for a personal loan with Truist Bank DBA LightStream for {$50000.00} to invest in cryptocurrency. An individual online had befriended me, and proceeded to entrap me in a romance scam and scammed me out of the cryptocurrency by using a fake investing platform ( website ). I have filed a police report and report with the FBI to try and track down the party responsible for stealing from me. That said, I have a complaint against LightStream in that I should not have even qualified for the personal loan in the first place. I provided paystubs showing I earn approximately {$60000.00} per year and I already had a car payment of {$500.00} per month, a personal loan with Upgrade I had taken out previously for {$25000.00} with a {$20000.00} balance still remaining and other living expenses! The monthly payment to upgrade is {$830.00}, I pay approximately {$1100.00} per month in rent, {$140.00} per month to XXXX, {$180.00} per month to XXXX  XXXX and so on... Based on my income, I should not have qualified for a loan with XXXX and if denied, would not have been able to invest money which was fraudulently stolen from me. LightStream committed predatory lending and lended to me based on a credit score rather than an ability to pay!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2023. 
Inquiry from XXXX on XX/XX/2023 Inquiry from XXXX XXXX on XX/XX/2023. 

I didn't apply for anything but it's showing in my credit report and it shouldn't be there. This is a fraudulent acccount
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( 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 instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts ; XXXX XXXX XXXX XXXXXXXX. I demand the removal of these unauthorized inquiries ; XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX I demand the removal of this incorrect information ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted Midland Funding on or around XX/XX/2019 and was given the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX at XXXX and spoke with XXXX ext XXXX. A recorded agreement was made with XXXX that I would pay {$1300.00} on account # XXXX and {$3600.00} on account # XXXX. Two separate checks were sent to XXXX XXXX XXXX via certified mail the checks were received and cashed on XX/XX/2019. I was told that they would send me information that I have not yet received as well as they did not report to Funding that the payments were received. False information continues to be reported to the credit bureaus. This has also been reported to the credit bureau. XXXX is reporting that the information of said payments have not been made and that what Midland Funding reports has been " verified. '' I have copies of checks that have been cashed my XXXX XXXX XXXX and would like them to be just in the information that the are refusing to submit.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX, I invested funds with Coinbase, investing in Bitcoin and Eretheum. I sent funds into my Coinbase account several times. After Bitcoin gained significant value I tried to withdraw funds. I was locked out of my account and have been locked out with no ability to access my account for over 8 weeks. I have called Coinbase Customer Service many times. It was explained to me there is nothing they can do as they have a system problem due to an excess amount of business. They further explained to me that calling the customer service number to resolve the issue only hurts me because I get moved down the list in priority! I have had one supervisor, ( XXXX ) that said he would personally help me and to send him a screen shot of an error message. There was no reply or help from XXXX. I have been told a dozen times by customer service they ca n't help me! One representative even told me it is part of the risk of investing!! I explained to her it is not the investment that is the problem but the actions of Coinbase was the problem. All the while, my money is tied up in a downward market that I do not want to be in any longer but have no ability to withdraw the funds. Coinbase would not even freeze my account so I would not loose money with the declining market. My money is being lost simply because Coinbase refuses to give me access to my account!! I have lost thousands of dollars to date due to the incompetence ( and illegal actions ) of Coinbase. I have recorded phone calls and emails to  substantiate my acquisitions. This complaint is my last attempt to resolve this matter before I seek legal action against Coinbase.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a 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: Debt collection

I 've sent several letter asking the company to send proof that the account belongs to me and I still have n't received anything from the company and they are still reporting to the credit bureaus
Product: Debt collection

Portfolio Recovery Associate ( XXXX XXXX XXXX repeatedly contacting me to collect a debt I do not owe. Several months ago, I proved it was not my account and original creditor, XXXX Office, cleared my information however, XXXX XXXX, ruined my credit report and caused damage despite me proving I was not the person that owed the XXXX bill.
Product: Debt collection

My credit was stolen some one  charged xxx amount of dollars on my credit that i am not responsible for they sold my debt to collector
Product: Debt collection

IQ Data International is reporting an unpaid collection account for {$1500.00} on my personal credit report. I contacted them to inquire about the debt and was informed that the charges are somehow related to an apartment rented by my ex-boyfriend, XXXX XXXX XXXX. 

During my conversation with the agent, which would certainly be considered a " communication '' as defined under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692a, I was not given the mini-Miranda as required by the Act. I explained to the agent that I temporarily resided at this apartment with my then boyfriend, but that I had no contractual obligation under the lease. However, the agent refused to accept my dispute for investigation. I then requested validation of the debt ; asking that they provide me with an itemization of the balance being charged and some sort of documentation showing my own contractual liability, such as my signature on the lease. The agent refused to honor my request, told me to call back when I was " ready to pay '' and hung up on me. I've sent a written request for this same validation yet they have continuously refused to provide it, in violation of 15 USC 1692g 809. 

Further, their refusal to adequately investigate my dispute, while continuing to adversely report it to the credit reporting agencies, is a blatant violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and its subsequent amendment, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ). Under these Acts, I have the right to dispute inaccurate information and the data furnisher has an obligation to investigate that dispute. Inaccurate or unverifiable information must be corrected or deleted by the furnisher. IQ Data International continues to refuse me these rights as required by law. 

This is not my debt. This apartment was rented strictly in the name of my ex-boyfriend, XXXX XXXX XXXX. I never signed any lease for this apartment and have no contractual obligation for this debt if it is even legitimately owed ; which still has yet to be determined. 

My attempts to correct IQ Data 's records and restore my credit with regard to this item have been in vain. Research on this collection agency shows that they are not an active member of XXXX XXXX, nor an accredited business with the XXXX, and that their standard XXXX  complaint responses are both dismissive and uncooperative ... so I guess my failed attempts are not surprising. I have also attempted to remedy the situation by filing indirect disputes directly with the credit reporting agencies, themselves. However, IQ Data continues to verify the information as accurately reported without conducting a proper investigation. 

My hope is that the CFPB can assist in getting this resolved before I'm forced to engage legal counsel and pursue this matter through litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : XXXX XXXX XXXX
Product: Student loan

I am actually the co-signer for this loan and we are trying to pay it off. I sent American Education Services who services the loan an extra {$500.00} payment over two months ago. It NEVER got applied to the principal and they pretty much have no idea where the money went. All we are getting is a " runaround '' about it. I would love to just pay it off but am scared they will " take '' that money as well. I have looked online and have noticed NUMEROUS problems others have had with this loan servicing company. Someone really needs to " audit '' this company. Every time I turn around they keep charging us extra interest and we setup automatic payments yet most goes towards interest. We put a request in to increase the monthly payment way before the amount would have been taken out and they " purposely '' just skipped the next month 's payment just so more interest could be charged. They may not be doing anything illegal but I believe they are highly " unethical ''.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME CORRECT MY Address and FULL NAME AND LAST Name AND PERSONAL ADDRESS AND REMOVE THESE LATE PAYMENTS PLEASE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS INQUIRY HAS BEEN 2 YEARS OLD NEEDS TO BE DELETED.

15 U.S. Code 1666b states that a creditor can not treat a payment on a credit card account as late unless they have taken reasonable steps to ensure that the consumer receives their periodic statement at least 21 days before the payment is due. The statement must include the information required by section 1637 ( b ) of this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, & XXXX XXXX XXXX continue to report an allege debt that does not belong to me. I previously disputed this information and it was verified but no evidence was given for me to inspect to verify that a reasonable investigation was done to determine that I have an obligation under federal law to pay this debt. I did not receive any notice of my rights to dispute this debt before it was added to my consumer report and transfer and assignment of an instrument does not XXXX you collection rights. If your policies and procedures override federal law provide me with the documents used to determine you do not have follow federal guidelines.
Product: Debt collection

The # XXXX robocalls my cell phone on weekdays and before XXXX. When I pick up the phone and answer, the caller does not respond and hangs up after 5 seconds.

Dates and times called : 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 : I called the company and requested to not be robocalled each morning. The company stated they were unwilling to do this without have all account information verified.

I attached screenshots of the robocalls the company made prior to XXXX.
Product: Debt collection

They are calling for my ex-wife, whatever debts she has have nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to provide proper validation as an itemized bill does not constitute validation. This debt is alleged to be believed not to be mine because the name on this bill shows as XXXX XXXX and my only name is XXXX XXXX if they had properly validated this account they would have known that they names did not match and this account does not belong to me.
Product: Debt collection

On XX/XX/XXXX, I received paperwork from my employer that my wages were going to be garnished by Midland Funding, LLC represented by XXXX XXXX XXXX XXXX. The paperwork showed the date of judgement as XX/XX/XXXX for {$970.00} and with interest and fees it totaled {$3000.00}. I spoke with the clerk of courts office in my county and they said that I was never served but my employer was served. I have NEVER heard of this company and there is nothing on my credit report showing any of my accounts in default. On XX/XX/XXXX XXXX XXXX I checked my online payroll and the garnishment had already been partially taken out, I was given no time to dispute this claim. I believe, according to TN, the statute of limitation on a judgement is 10 years and they have no right to pursue this debt anymore.
Product: Credit reporting

I have dispute several items with Experian. Those items are for XXXX and XXXX XXXX XXXX. Each time they send a response saying the accounts disputed are verified however, they never attach proof of this verification with my results or my credit report. In addition, they do not attach information regarding how they verified the account and they are supposed to.
Product: Checking or savings account

I obtain an attorney on XX/XX/year> by debit card payment for an XXXX XXXX XXXX XXXXXXXX XXXX XXXX Huntington bank for {$3000.00}. The attorney passed away and my case was then taken over by her partner and spouse who died as well a few months later. The court case was dated for XX/XX/year>, in which both attorneys died before this time and could not possible represent me in this case. I filed a dispute with Huntington bank in which they initially returned the {$3000.00} and then a month later withdrew the money from my account again stating that they found no evidence in there investigation and this then not only took the {$600.00} I had in my account at the time but put my account in the overdraft of {$2400.00}. I tried to appeal and asked them to send me info of how this can be reversed in which they declined stating they can not confirm my claims. now the bank has put me in check systems and sent my account to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting XXXX more than what is owed
Product: Credit card or prepaid card

I contacted Citi Prepaid cards regaining an expired prepaid card I received. Citi is  claiming that since the card is expired the funds are no longer valid and citing terms and conditions that are different than the terms and conditions I received with the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Due to international travel, had been unable to make payment to Macy 's Credit Card. On finding out on return that it was past due, had called customer service to clear payment. But due to aggressive behavior from customer service representative and my own reaction to it, ended up asking the representative to clear account and close it. It was my impression that after this I was done with the account and dont have to worry about it. But it was suprising that Macy 's continued to send me statements and a balance due was showing up on credit reports that just kept going up. From past experience, had did not expect reasonable reply from Macy 's and hence disputed the charge with experian. Now the result from experian shows a 120 day payment due and no information was provided as to how the fatcts were verified. Having asked Macys to clear the account and close it, donot see any reason why I should be penalized for a mistake made by Macy 's ( represented by XXXX Bank as per dispute result ) who keep charging me long after account had been paid in full and closed. Dispute was submitted to XXXX and Report ID is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and found that I have sum unauthorized inquiries on my account and would like them removed immediately
Product: Debt collection

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice. According to 15 USC 1692g I have a right to notice of debt which I never received .LVNV Funding has no right putting a collection on my credit report without sending me out the notice for this collection.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXXXXXX XXXX XXXX XX/XX/XXXX - Balance : {$17.00} Account Name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$17.00} Account Name : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$560.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} Account Name : XXXX XXXX XXXX XXXX  - Balance : {$1200.00} UNAUTHORIZED INQUIRIES : 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

In accordance with the FCRA, ( XXXX, XXXX, Equifax, XXXX, XXXX, XXXX, XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 6802. According to 15 U.S.C 6802 ( b ) ( B ), I was never given the opportunity to opt-out from having my personal information reported to third parties. 
I have the list of Accounts that I will post here! ( XXXX  account # XXXX date of late payment XXXX, XXXX, XXXX, XXXX XXXX  account # XXXX on XXXX but showing XXXX  on equifax, date of late payment XXXX ) I am Attaching identity and proof of address!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit profile that I did authorized, on my credit profile that needs to be deleted/removed ASAP. 

These are the HARD INQUIRIES that needs to be deleted/ removed immediately from my credit profile. 

- XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXXXXXX XXXX XXXX  XXXX XXXX