23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have been a victim of identity theft, which has resulted in numerous fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address this issue. 

I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am now demanding the prompt removal of these fraudulent items to restore the accuracy and integrity of my credit report. 

ACCOUNTS : - XXXX XXXX XXXX - XXXX  XXXX XXXX - XXXX  XXXX XXXX -XXXX  XXXX INQUIRIES : ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) I trust you will handle this matter with the urgency it requires. Please confirm once the necessary corrections have been made.
Product: Checking or savings account

Im XXXX  due to XXXX. I tried chat with chime to fix and they referred me to a number which is barely accessible through deaf relay. Anyway chime cashed a check. It was one I cashed for my mother and gave her the funds. Chime accepted the check in XX/XX/year>. Then by accident it was cashed by XXXX too. I notified XXXX and made arrangements with them. Well chime on XX/XX/year> sends me a message and puts a {$750.00} hold on my account stating that check was duplicate and it wasnt in my name. I contacted the merchant like they said and the merchant provided me a copy of the processed check. Front and back. It was deposited in chimes account. Well they refuse to dispute and check into it. They wont give me a monitored email address to send proof to. They wont escalate an investigation. Im on a fixed income and out {$750.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY PAPERWORK. WHEN I'VE CALLED TO CHECK ON THE STATUS, THEY SAY THEY HAVE NOT RECEIVED ANYTHING FROM ME BUT I MAILED MY INFORMATION BY CERTIFIED MAIL AND SOMEONE SIGNED FOR IT.
Product: Credit reporting or other personal consumer reports

I sent in a letter regarding two accounts on my credit report that are allegedly past due and negatively reporting on my report, which was not approved by me or opened up by me I also submitted my documentation from the commissioners office in my state which is New York because at the time of the alleged debt/ account opening I was XXXX XXXX XXXX XXXX XXXX So I made sure to reach out to The state commissioner until I got a response and they wrote a letter regarding my incarceration and that those debt could definitely not be me.
Product: Credit reporting or other personal consumer reports

On Friday XXXX XX/XX/XXXX, I received an alert that a collection account was added to my credit report. I immediately logged into my credit monitoring service and noticed that Synergetic Communications had added a collection account in the amount of {$4300.00} to my XXXX and XXXX credit reports. I contacted a representative company who told me that the account was a XXXX account. I told him that I was a current XXXX  customer and that I did not have a XXXX  account in the past and asked him to remove the account. I was then instructed that I must dispute this account and provide information proving that the account was not mine. According to their files the account was opened at an address in XXXX, TN in XXXX. During this time I was on XXXX XXXX in the United States XXXX and did not retire until XX/XX/XXXX. Ive attached a copy of my retirement orders as well as my XXXX showing I was not physically present in TN during this time and that I retired to XXXX, XXXX where I resided until moving to Georgia in XXXX. The reporting of this fraudulent account is causing irreparable damage to my credit and affecting my ability to obtain credit. Im asking that this account information be blocked or deleted from my credit file while fraud investigation is initiated in accordance with FCRA 605B ( 15U.S.C 1681c-2 ). Failure to do so will force me to report your company to the Attorney General and seek civil penalties for not complying with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX and XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion due to negligent practices in handling my credit report, which has led to the inclusion of incorrect names and addresses in my credit file. This lack of control and verification of information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605, 609, and 604, and negatively impacts my rights as a consumer.

Upon reviewing my credit report, I found that TransUnion included names and addresses that do not belong to me. This erroneous information is creating an incorrect association on my profile, unfairly affecting my credit history by presenting data that does not correspond to my identity and may mislead those reviewing my report.

Specific Areas of Concern Negligent Association of Incorrect Data : TransUnion has linked names and addresses that are not mine, likely due to inadequate controls. This problem affects consumers like myself by providing lenders with inaccurate information.

Failure to Verify and Maintain Accurate Records ( FCRA Section 609 ) : My rights under the FCRA include the assurance of accuracy in my credit file. TransUnions failure to verify and report only correct information infringes upon my rights as a consumer.

Retention of Information without Legitimate Evidence ( FCRA Section 605 ) : TransUnion has also retained unauthorized information, such as employer data, without evidence justifying its inclusion in my file.

Negligent Reporting of Unnecessary Information ( FCRA Section 604 ) : TransUnion continues to retain irrelevant information, such as incorrect phone numbers and personal details, which does not comply with legal requirements.

Request for Intervention and Resolution Given the seriousness and persistence of these issues, I request CFPB intervention to ensure that TransUnion : Strictly complies with the law by removing all incorrect names and addresses that are not verified as belonging to me.

Implements corrective and preventive measures to ensure the accuracy and legality of the information it reports.

Is required to ensure that, in the future, only authorized and legally valid data is maintained in my file, as required by the FCRA.

Thank you for your attention to this complaint. I urge prompt and firm action to enforce FCRA regulations and protect my rights as a consumer. 
Sincerely, XXXX XXXX XXXX : Supporting Documentation
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Since Nationstar Mortgage became Mr. Cooper in XX/XX/XXXX no one, even my Dedicated Loan Specialist tries to reach out to me, instead I received a foreclosure sale notices and again just received one that my house is going to be foreclosed on XX/XX/XXXX. In the letter, the foreclosure sale notice I received from XXXX XXXX, XXXX claimed that I should find a copy of the advertisement of sale, as published in XXXX XXXX XXXXXXXX. That claim is false because I could not find the foreclosure sale that was claimed to have been published in XXXX XXXX   XXXX. I have been trying very hard to make Mr. Cooper to modify my loan which I applied for in XX/XX/XXXX which is yet to be modified. Nationstar Mortgage, now Mr. Cooper has refused since XX/XX/XXXX to modify my loan without giving me any valid reason ( s ) for their refusal to modify my HAMP LOAN MODIFICATION that I applied for, was eligible and qualified for in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accountslisted below to be removed because Accouring to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX. XXXX XXXX XXXX XXXX XXXX {$440.00} Date open XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$12000.00} date open XX/XX/XXXX
Product: Credit reporting

Someone used my social security to use a XXXX XXXX security service. I have never owned any kind of security system and this is a fraudulent item XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2014 Open {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I got my Auto loan about 3yrs ago, my finances have not been the best, I have fallen behind, my XXXX payment due on the XXXX I tried to have it paid before XXXX payment it did n't happen. I spoke with my son 's father who is out of state and he offered to both months and late fees to help me, prior I had made arrangements to have a payment taken out XXXX XXXX for my XXXX payment and again on XXXX XXXX for XXXX payment. I contacted wells Fargo before the XXXX to have both post dated payments stopped that my son 's father offered to pay them, spoke to a XXXX with WF Auto loan all was to be handled the payment for the XXXX was stopped but the XXXX XXXX was not it was kicked back non funds and a XXXX OD few was applied, then on the XXXX of XXXX again thwy put it through bringing my account to a negative XXXX. I went to WF bank and spoke to a banker, who also called WF Auto loan to see what he could do and was told they could n't do anything about it, they refused to reverse the payment or reimburse any fees, also stated there policy is to run the payment through 3times at that point it had been twice, already, they were told the funds were not there and they still said nothing we can do, l was current tell XXXX XXXX. Now what money I did put in my account XXXX they hate it up and left me XXXX in the negative as of XXXX XXXX and another debit to still take place by WF Auto loan dept, I am being held accountable to pay, I paid my payments caught up tell XXXX XXXX why are they being aloud to debit my account 3 times after it was cancelled a month prior, and my car payments are current. I been a Customer sense 2008 guess that holds no meaning I have endless accounts that they have switched me from it 's a mess I will NVR DEAL WITH THEM AGAIN AFTER THIS!!
Product: Debt collection

this company knowingly reported inaccurate data. My credit profile has been affected by these penalties. This looks suspicious and deceptive. I demand proof TO SEE valid authorization/proof of the alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer right. I XXXX XXXX XXXX legally request a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days. Failure to comply with these federal regulations by the FTC. 

I am maintaining careful record of my communication with your company.
Product: Debt collection

I am a victim of Identity Theft so I had an alert placed on my credit. That said, I have received several alerts that XXXX XXXX XXXX XXXX has accessed my credit. I have not received a notice from them so I dont know what this is about. I have wrote them as well and to date no one has responded to me yet they continue to access my credit. Latest date was XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am writing to report that Coinbase misrepresents fees during conversions from XXXX cryptocurrency to another type of cryptocurrency. When performing a conversion, the user interface states that the Coinbase fee is {$0.00}. However, they are clearly charging a percentage of the total transaction as a fee. 

This can easily be determined by downloading a user transaction report. There is a fee column, and it usually equals 2 % - 3 % of the total USD value of the transaction. 

I contacted Coinbase XXXX and Complaints seeking clarification. They stated that the difference is due to market volatility, and that they are not charging a fee. However, there is clearly a fee column on their transaction log. Also, market volatility would not create such a reproducible result. If it were due to market volatility, this would some time favor the end user. That never occurs. 

I will attach the transaction logs to this complaint.
Product: Credit reporting or other personal consumer reports

This letter is to Formally dispute the following account listed on my credit report. 

Account Type : Loan Creditor Name : XXXX Account Number : XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report.

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred.

Proof that I am legally obligated to repay this debt.

If the creditor or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report.

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter.

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 


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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number : XXXX, XXXXXXXX XXXX  Account Number : XXXX, XXXX Account Number : 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 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: Credit reporting or other personal consumer reports

Please block and remove the inaccurate accounts that are being reported on my credit report as soon as possible.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, my wife & I wrote a check to Ashley Furniture for {$8600.00} to hold the " labor day '' sale price of the new furniture until we returned. XXXX XXXX promised that the check would be returned to us once we came back after after our house closing. At that time, we did not want to apply for additional credit since we did not want our credit scores to be affected before we closed on our new home. When we returned on XX/XX/2020 to collect our check, to revise our previous purchase, and to apply for credit, we discovered that the check had already been cashed. It took us from XX/XX/XXXX to XX/XX/XXXX of 2020 to get our check back after numerous calls, texts and visits to the store. XXXX had previously told us that the check would be returned within 7-10 days. Prior to receiving the check, we lost confidence in XXXX, since he was no longer answering our calls or our text messages. We began dealing with XXXX ( XXXX ) XXXX. He printed us the final order tickets that had been sent to Synchrony Bank which consisted of one for {$8500.00} and the other for {$300.00}. The ticket for {$8500.00} included two unauthorized items that XXXX had left on the orders for a total of {$630.00}. On XX/XX/2020, XXXX made the adjustments of {$350.00} through order ticket # XXXX but he did not credit the remaining {$250.00} plus {$20.00} ( taxes ) = {$270.00}. His assistant ( XXXX? ) advised us that she would apply a credit to our Ashley credit card that we still had not received. On XX/XX/2020, I called the furniture store to follow-up with XXXX but he was not available. I then sent a text to XXXX to tell XXXX that we wanted the credit for the {$250.00} plus taxes through an order ticket, not through the credit card. By then, we had decided not to do future business with Ashely Furniture Stores. On XX/XX/2020, I texted XXXX to follow up with credits. He never bothered to respond. Meanwhile, we kept looking at the monthly statements from Synchrony Bank for those credits. As of today, XX/XX/2020, those credits have never been applied. When we called Synchrony Bank, we were told that we needed to discuss the credits with Ashley Furniture Store,  that they only dealt with the financing. On XX/XX/2020, we sent a certified letter with attachments to XXXX XXXX in hope that the problem could be rectified. The letter was received and signed on XX/XX/2020. As of today, XX/XX/2020, we have not heard a word. We are not sure how Synchrony Bank and Ashley are affiliated, but neither one is taking responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX