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

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Ref : XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint regarding the unauthorized and inaccurate reporting on my consumer credit report. This complaint pertains to the account reported by DEPT OFEDXXXX with the following reference numbers : XXXX and XXXX - XXXX ; TransUnion - XXXX. 
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), the Family Educational Rights and Privacy Act ( FERPA ), and the Privacy Act of 1974. In accordance with my rights under these statutes, specifically under the FCRA and 15 USC 6802 ( b ) ( c ) and 15 USC 1681C ( a ) ( 5 ), I am hereby officially revoking any and all consent previously granted to XXXX, XXXX, and TransUnion for the reporting of this account. This revocation includes consent in any form, be it verbal, non-verbal, written, implied, or otherwise. 
Moreover, I am exercising my right to opt out of reporting services, as stated under 12 CFR 1016.7, which affirms that " A consumer may exercise the right to opt out at any time. '' I demand that this account be removed from my credit reports immediately, as its presence constitutes a violation of my rights and has potentially damaging implications for my financial standing. 
The inaccurate reporting of this information has caused undue stress and could lead to significant negative consequences for my financial health. I request a thorough investigation into this matter and the prompt correction of my credit report. 
Please acknowledge the receipt of this complaint and inform me about the steps you will take to address this issue. I expect a timely resolution and an updated credit report reflecting the removal of the aforementioned account. 
Thank you for your attention to this important matter.
Product: Debt collection

I am writing to dispute the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$1900.00} Account Type : Credit Card Payment Frequency : Not applicable Credit Limit : {$2000.00} XXXX request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter asking the credit bureau to delete this debt due to a hippa violation and send me proof that I owe this alleged debt
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a friend in XXXX remitted {$100.00} to be delivered to my checking account in the XXXX through XXXX, under transaction # XXXX. This is a service I, and my friend, have used for over a decade without any problem. This time, without my, nor my friend 's, consent the funds were added to an account in my name and not credited to my bank account. 

I did not request, nor authorize the opening of an account in my name. 
WISE refused to intelligently address several emails I sent them inquiring about the whereabouts of my funds. They appear to reply to their emails using an AI tool, as my questions were very specific ( I am a commercial banker by profession ). 
When I tried to contact their agent over the phone, the agent insisted they could not assist me as they could not verify my identity and could not escalate my complaint. 

It is strange ( if not illegal ) that a deposit account in my name can be opened without my express consent. 

It is a breach of contract to fail to deliver a remittance to its final contract destination. 

It is unconscionable that company handling financial transactions does not provide their customers with access to an interlocutor who can intelligently address their concerns. 
Eventually, I was forced to pay an additional fee for WISE to transfer my funds to my bank account,
Product: Debt collection

This situation is beyond frustrating. Waking up to find a debt I have no knowledge ofunverified and completely unrelated to meis both shocking and unacceptable. On top of that, I am being harassed through multiple communication channels with different tactics, as if I am responsible for something I had no part in. I never imagined I'd be dealing with threats of legal action over breakfast. As a law-abiding citizen, it is both insulting and a blatant violation of my consumer rights. This has taken a serious toll on my XXXX  XXXX, and I have been losing sleep over it for days.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 39 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; ONEMAIN XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit card

All the Credit bureaus contacted me after a hard inquiry was pulled by JPMorgan Credit Card services. I already have an identity theft block on my social security number and still someone was able to apply for a credit card without my consent. My credit dropped XXXX points because of this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a letter off on XX/XX/2022. With tracking number. To remove personnel information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681.I have the right to privacy. Also, according to 15 USC 6802, No financial is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Dear XXXX and Experian Fraud Department, I am writing to follow up on our recent conversation regarding the fraudulent account reported on my Experian credit report by XXXX  Data. As requested, I am submitting the necessary documents to support my dispute. 

Enclosed, please find the following documents : XXXX. FTC Identity Theft Report - detailing the fraudulent activity associated with IQ Data. 
XXXX. Proof of Identity - a copy of my government-issued ID for verification purposes. 
XXXX. Proof of Address - a recent utility bill, lease agreement, or other official documents that show my current address. 

I would like to reiterate that I did not authorize or open the account reported by XXXX  Data. This is a case of fraud, and I respectfully request that the fraudulent account be removed from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

I was defrauded of between {$75000.00} to {$90000.00} over the space of 2 months by an apparent corrupt employee of Coinbase. On several dates in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> in a successful attempt to confuse me, the male employee transferred money back and forth between my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. The individual told me it was illegal to discuss with anyone that my identity had been stolen, when asked for a badge number the individual said he was a certified identity theft technician, certified by Coinbase. The individual said that they counted 17 red flags of attempts to access my retirement accounts and that to protect my funds Coinbase was setting up an account to transfer my funds into. I have opened complaints with XXXX XXXX XXXX XXXX XXXX, I have report at reportfraud.ftc.gov, I filed a complaint with the FBI, I have a Coinbase Case number, I have opened cases with Arizona Attorney General, Arizona Corporation Commission, Az dept of insurance and financial institutions, I have spoke with a lawyer, a friend questions me about why I wanted to sell my gold and I realized that I was being scammed, I sold him my gold anyway and he caused the issuance a cashier 's check which I deposited into my XXXX XXXX account, I had recently opened an account at XXXXXXXX XXXX and requested a {$60000.00} check be issued from XXXX XXXX. When I received the {$60000.00} dollar check I deposited it in XXXX XXXX The Back XXXX XXXX declared the check to be fraudulent. I had recently written checks in the amount of approximately {$20000.00} to the Tax departments of Arizona, New Mexico and the IRS. ( I have paid electronically via transfers and credit card all the money owed to the XXXX departments rendering the checks moot prior to XX/XX/year>. The tellers started yelling at me that that was my fault, I said you know how XXXX corrupt this makes the financial industry appear. I was thrown out of the bank who had called corporate security. I was notified by XXXX XXXX XXXX department that they had been authorized to issue a check for {$41000.00} and that once XXXX Bank lifted it's hold which it would do on XX/XX/year>, I would be able to request a check for the balance. After XX/XX/year> I tried again to get a check issued in the amount of the remaining balance at XXXX XXXX and close the accounts, I was told it was out of their hands and that I would never be paid the {$20000.00}. This unethical systematic abuse continues, as I have received a letter from XXXX XXXX stating that my accounts will closed on XX/XX/year> and the {$21000.00} balance will be seized. I have not received approximately {$1600.00} balance from XXXX XXXX, nor have received my money from XXXX XXXX. I have documents of emails, deposits, transfers, transactions, statements, etc.
Product: Checking or savings account

On XX/XX/2023 I receive a notification of inactive account, which contains {$500.00} for my XXXX account number ending in XXXX. I have attached a copy of the notice. 

Immediately, I call their customer service which required me to have a security code mailed to my mailing address on file to be able to access the account. The representative informed me I would be getting the code within 10 business days. 

I called again XX/XX/2023 to ask why I had not received the security code, and they said they would send another one. They re-verified the correct address on file and mentioned that I could also fill out their last resort form and have it notarized, which I did but have not heard back that they have received it despite being over a week since I sent it out. 

Their bad customer service, without ability to talk to a supervisor, and the fact that my hard earned money is sitting there collecting perpetual XXXX fees monthly is the reason why I am reporting this to your bureau for further investigation and management.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  XXXX Bankruptcy These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXXXXXX XXXX  XXXX Original creditor : XXXXXXXX XXXX  XXXX Balance : {$530.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX  Inquiry XXXX XXXX XXXX, XXXX.
Product: Debt collection

I received an email dated XX/XX/XXXX from XXXX XXXX XXXX regarding an open balance of {$530.00} owed to XXXX ( prior property management ). In that email there was a link to pay balance, however, it did not provide a breakdown of this balance. On XX/XX/XXXX i reached out to XXXX and requested a breakdown of the alleged balance and explained I did not recall owing XXXX any past due rent prior to vacating the property. On XX/XX/XXXX i received a response from XXXX advising they would fwd. my email to the appropriate team for handling. As of today, I have not received any letters or emails providing the breakdown of the " open balance ''. I have followed up with XXXX on XX/XX/XXXX with another email attempt to provide the breakdown and i have yet to hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints, and send certified letters to Equifax requesting removal of inquiries that are fraud and I didn't authorize these companies to run my credit. They are as follows : XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX and XX/XX/XXXXXXXX XXXX-  XX/XX/XXXX XXXX XXXX XXXX
Product: Student loan

I have been paying  Navient ar  ound 450 every mont h or every other month due to financial struggles. They put me on a payment that is way to much for me saying that this was a t  XXXX  so it co uld n't get lower. I struggle and received help from family members to make payments only to later find out I was n't paying on my loans just the interest. I too  k 4 pri  vate loans out to finish college not knowing at the time what I was even doing. I been trying to just get a reasonable monthly payment but they insist I ca n't pay less th an the 500 something. I struggled to pay this amount for a few years and no long er could afford to do it I let my loan go into default last month and now they are saying they can get me a lower payment a t   XXXX   if   I  make a deposit of  XXXX  first. I was totally outrage because I struggled for years to get that when I could of had a better option that would of actually paid on my loans and not just my interest. I need to know asap what should I do because I have unt il  XX/XX/XXXX  to make the payment or they will try to take le gal action on me. They are currently being sued because of these type of treatments to there customers so I am lost on whether to pay this amount or let actions happen. I know this lawsuit can take years to play out so what should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and XXXX  that affects every aspect of my daily life. The XXXX  impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.
Product: Money transfer, virtual currency, or money service

Back on XX/XX/year>, someone had access to my phone and sent {$160.00} to their own Cashapp account. I reported this to cashapp immediately but was denied as assistance. 

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently review of my consumer report and have identified numerous accounts with inaccuracies. Pursuant to Title 15 U.S.C. 1681e ( b ), credit reporting agencies are required " to follow reasonable procedures to assure maximum possible accuracy. The consumer reporting agencies have assumed a vital responsibility to report consumer information to the best of their ability with maximum accuracy. Please delete these accounts. Thanks! Please see attachment proof of inaccuracies. 
XXXX. XXXX  XXXX XXXX delete this account for inaccuracies because the date last reported, date last active and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 

XXXX. XXXX XXXX XXXX XXXX the date last reported, date last active and historical data have different dates the consumer reporting agencies have different data remove this account immediately see attachment for proof. 

XXXX. XXXX Account number XXXX delete this account for inaccuracies because the date last reported, date last active, date open and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 

XXXX. XXXX Account number XXXX delete this account for inaccuracies because the date last reported, date last active, date open and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 


XXXX. XXXX XXXX Account number XXXX delete this account for inaccuracies because the date last reported, date last active, date open and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 


Your prompt attention and resolution to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX XXXX its has been more than 31 days and they have no proof I initiated such inquires not written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these inaccuracies. According to section 604 of the Fair Credit Reporting Act permissible purpose of consumer reports 15 u.s code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. ( f ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMER. Under 15 usc 1681i, paragraph ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general. If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE. The following inquires are unauthorized : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report and noticed unauthorized inquires on my Transunion report. I am stressed to the max and need these unauthorized and unverified inquires removed immediately. Ive contacted the creditors and they advised me to contact your office on this matter. 

1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020 2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. XXXX XXXX Date of inquiry : XX/XX/2020