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

I was in the process of checking my credit report and noticed XXXX accounts under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize these accounts to be opened and did not even know it existed now it is impacting my credit beacuse someone fraudulently opened these accounts under my name without me knowing. The accounts in question are : XXXX XXXX XX/XX/XXXX, XXXX ACCT # XXXX {$2700.00} XXXX XXXX XX/XX/2020 ACCT # XXXX {$1800.00} XXXX XXXX  XX/XX/2020 ACCT # XXXX {$260.00} I have filed an FTC report for all three accounts that were fraudulently opened under my name and have attached it to this report as well
Product: Credit reporting or other personal consumer reports

I dont know how they got my information and they are violating my rights as a consumer and gave me a hard inquiry which drop my credit score by XXXX points, invited my rights of privacy and making my life hot harder to obtain a auto loan or any type of loan for the good of my well-being and this is not fair in pursuant to the fear, Credit reporting act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DATE XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i. 
( XXXX ) Notice of results of reinvestigation In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX The reporting of these account ( s ) is/are a violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in accordance with the FCRA 's rules to ask that the mentioned account, that I believe to be erroneous and incomplete, be REMOVED right away on my credit reports within 30 days : XXXX XXXX XXXX  Balance Owed : {$1800.00} - This account was reporting erroneously. I NEED this account REMOVED as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute letter regarding inquires on my report that I do not recognize or authorized XX/XX/2022. I have not received a response. Letter was submitted with other dispute letters regarding my address and Public Records.
Product: Money transfer, virtual currency, or money service

Good Day sir/Ma I'm XXXX XXXX, i'm XXXX years old, I live in XXXX XXXX XXXX XXXX Vt. 


I'm writing you regarding the restriction placed on my Coinbase XXXX, XXXX account. 



I deposited {$8500.00} into my Coinbase account on XXXX of XXXX Thursday. 



On the XXXX of XXXX Friday i found out Coinbase XXXX , XXXX, had restrict my account at their earliest convenience without notice. I opened a support ticket and i haven't gotten any response yet. 


Case number a-signed to me by Coinbase XXXX, XXXX Case # XXXX. 



Case # XXXX - Restricted. 


You can follow my case with coinbase with this case number. 

I'd like you to help me with my request. 



Regards.
Product: Debt collection

FIA Card Services contacted me on behalf of Bank of America XXXX. This is related to another complaint with Bank of America for an unexplained XXXX charge on my card. ( XXXX/XXXX/2015 )
Product: Money transfer, virtual currency, or money service

On your XX/XX/XXXX I received in my cash app I deposit for {$1.00}, XXXX an hour after this deposit my money was transferred to somebody else 's account. I filed a complaint with cash app on XX/XX/XXXX. 2 days later I called to check the status and they had no record of me ever filing a complaint. So I filed another complaint today XX/XX/XXXX I called again to check the status of my complaint and was informed that my complaint had been closed and they would not tell me anything about anything but I was hung up on. I received three emails from cash app asking me to send complete answers to the questions they asked I can enclosed copies of those I answered the questions and then I received the same email again. So I called Cash app again to a different operator and filed another complaint today XX/XX/XXXX. Since my money has been removed from my account my gas has been shut off for inability to pay it in my light bill is actually also fixing to get shut off for inability to pay it because they will not return my money.
Product: Credit reporting or other personal consumer reports

Recently did another investigation my credit reports and found several items to be inaccurate and not properly investigated by the credit bureaus. They claim letters are sent by credit repair companies and refuse to report accurate information.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove & correct the following from my credit reports : XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

XX/XX/2020 XXXX with Ideninity Theft Dept USAA left a message saying USAA decided this was Not Ideninity Theft because in Ideninty Theft someone MUST OPEN AN ACCOUNT using your stolen data. I was Not aware I needed USAA PERMISSION OR CLEARANCE TO REPORT ID THEFT TO THE FTC. 

( ** USAA HAD 2 YEARS TO INVESTIGATE FRAUD AND FAILED** ) Upon research FTC explains Ideninity Theft Thieves can Steal from your ( ** EXSISTING ACCOUNTS ( placing charges you did not make ** ) Or ... open a new account Anytime your data has been used to place charges you did not make it is ID Theft Perhaps I have misunderstood the authorities if so Please Educate Me
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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.I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, But I do not recognize these account and a lot of them are showing up 2-6 times. I did not authorize or sign anything to have my credit pulled. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 moved out of my apartment on XX/XX/2022 for medical reasons. ( Of note : The apartment that I was given on move-in day was not the apartment that I was shown for rent. ). A pipe broke in the apartment upstairs from mine in XXXX XXXX XXXX  whereby I was displaced from my apartment for 21 days. The ceiling collapsed and wasn't repaired properly, as they tried to paint over the water damage, so it fell several more times, even after I moved back in. The apartment ended up being chronically damp with black mold growing at the bottom of the hall closet. The water coming thru the ceiling brought with it the tar from the prior tenant who was a XXXX XXXX and I now had brown dripping water throughout my apartment and the odor of old smoke. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Things hadn't resolved by the end of XXXX when I moved out, as the XXXX XXXX XXXX XXXX XXXX still had two open cases for my apartment alone. 
The prior manager, XXXX XXXX, was very understanding of my need to break the lease for medical reasons. Apparently, when she left to take another job, her replacement, or XXXX XXXX themselves, put a derogatory mark on my credit report stating that I owed them {$2500.00} as of XX/XX/2022 for XXXX XXXX XXXX. 
NO ONE EVER CONTACTED ME ABOUT THIS DEBT. IT IS LISTED AS " IQ DATA '' ON MY CREDIT REPORT BUT I JUST HAPPENED TO SEE IT THERE. 

I contacted XXXX who told me to reach out to XXXX XXXX to help me resolve the situation. I did this twice and he never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Synchrony Bank/PPC are fraudulently reporting my PPC account with a balance and incorrect information. This account was settled in full based upon a written settlement agreement made between Synchrony and their representative and myself. Disputes have since been filed multiple times with the credit bureaus and Synchrony fraudulently reports the data to the credit bureaus as correct when it is not. Synchrony and their collections group, XXXX also violated the Rosenthal act 5 times by contacting me between XXXX, despite being reminded they were violating federal laws.
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 XXXX XXXX XXXX  Account # XXXX Acc-type- installment 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. 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 reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

On or about XXXX XXXX, 2016 I went to Capital One bank branch at XXXX XXXX XXXX XXXXXXXX NY XXXX and submitted a request for cancelled checks indicated by check number. To date I have not received them. I need these in order to verify that payments were made to an estate or I will have to pay again if I can not provide cancelled checks.
Product: Money transfer, virtual currency, or money service

Trying to use this company I have been representing this company for years as a USD currency processor. When I first started my business, I entrusted this company to handle the payments and sensitive account information of my customers. I am too XXXX to keep up with that licensing requirements. I had a XXXX  and was unable to run my business for some time. As soon as I am well again and able, I get a deal that would make my past decades and now my suppliers can not get paid, my big order is going unfulfilled for days now and my customer upset. Square are now holding my company 's money hostage. They refuse to release the funds as promised. The are not in agreement with me or our contractual obligations I signed off years ago. Whatever new laws or new systems I am not privy to and they have discriminated against me and my company for my XXXX. I was promised over 4 days ago the release of my funds from there holdings. I was already verified days ago and only partial release was accepted. After I called the company to complain about this going against their policy of their daily transfer limit the foreign representative flagged my account and zeroed it out. I was in complete and under shock. Now in order to gain access to my now frozen account to continue my business as usual I have to opt into the program of another company that I do not know, don't trust or have a contract with. Then I have to give this new company access to my phone, personal identity and other information or Square will refuse me further my customer their money and my business complete shambles and ruin. This is beyond agism and discrimination for learning and sight XXXX on this companies behalf to a customer for a few years now. 

Not to mention this company has been holding over {$60.00} of my funds hostage for years now and I just found out. I have set up this automatic transfer for account with them years ago. I created my business online bank account for Square years ago and they even years ago withheld funds from me. It took me years to gain access back to this account to realize all of this for a big order I just got. Square really tries to rob you XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX  XXXX : {$5100.00} XXXX  XXXX : $ XXXX XXXX : {$4600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00}
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 XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request to Delete Unverifiable Account Based on XXXX Deletion Dear [ EXPERIAN ], I am writing to formally request the removal of an account from my credit report that has been proven unverifiable. Specifically, the account in question is a {$26000.00} XXXX XXXX XXXX charge-off Account : XXXX that was reported inaccurately. I disputed this account on my XXXX secondary credit report, and after completing their investigation on XX/XX/year>, XXXX confirmed that the account was unverifiable and deleted it entirely from their records. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( Reinvestigation of Disputed Information ), credit reporting agencies are required to conduct a reasonable investigation upon dispute. If an account can not be verified, it must be deleted. XXXX deletion of this account indicates that the information can not be substantiated. Therefore, you are now obligated to take the same action. 
Additionally, under 15 U.S. Code 1681e ( b ), you are required to ensure maximum possible accuracy in credit reporting. Reporting unverifiable information violates this obligation. Please remove the XXXX XXXX XXXX account from my credit report within 30 days of receiving this letter. 

If you fail to remove the unverifiable account within the specified timeline, I am prepared to take further action to protect my rights under the FCRA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. As outlined in 15 U.S. Code 1681n and 1681o, I have the right to sue for damages resulting from willful or negligent noncompliance with the FCRA, including statutory and punitive damages. 

Please provide a written confirmation once the account has been deleted Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I truly believe Santander is trying to get over on me. im trying to fix my credit so I have pulled records to try to settle some debts and get things corrected so I may buy a home. Santander has sold my account to XXXX management but I have noticed some inconsistencies and inaccuracies on the information they have sent. Santander has sent me a " calculation of surplus or deficiency stating that my aggregate balance was {$20000.00} to my knowledge which I could be incorrect and aggregate balance means the amount in an account. Which that amount would have been what I owed which was {$18000.00}. The amount unpaid was {$9700.00} but they reported to the credit bureaus my account owed {$8000.00} after receiving the warranty refund. They sold the account to a debt buyer at XXXX as seen in their transaction history they provided to me. Reporting amount owe was XXXX XX/XX/XXXX the day the account was sold but sold it for XXXX. They need to explain why this is, where does this credit of XXXX comes from? Also in previous cfpb complaints santander stated that my account was charged off and car was sold on XX/XX/XXXX which is also untrue from the information they have sent me my car was sold XX/XX/XXXX and account closed and sold XX/XX/XXXX. I am so confused on which is the truth. I have spoken to XXXX XXXX at the company and she has given me no explanation on why any of this and she also confirmed the car was sold In XXXX contrary to the letters they sent to me.. I truly believe a mistake has been made that no one wants to own up to and that is fine but what is not fine is failing to correct your mistake and leaving this on my credit when the information you are sending is inconsistent and you sold my account with inaccurate information. I believe its extremely unfair and I am tired of going back and forth trying to explain or get an explanation with no results. but I will go to any lengths to get an explanation or results.
Product: Checking or savings account

On XX/XX/XXXX I got a text alert from BMO harris bank asking if a charge of {$590.00} was made by me I replied no. The charge came from a ticket master out of XXXX I was at work at XXXX in XXXX. The amount was debited from my account twice. I went to the bank after the charges were out of pending status on the XXXX of XXXX. They gave me a provisional credit that went in my account on the XXXX of XXXX for both debits. The bank then sent me a letter on XX/XX/XXXX stating that they were denying XXXX of the charges. The reason was that through their investigation they have the documentation which supports that the transaction is valid. Which is crazy because they sent me a fraud alert the only thing I can think of is because they only alerted me once not twice for both so I called the customer service number XXXX at bmo harris spent over an hour on the phone they wont allow you to speak to their fraud department I ended up speaking with a XXXX that agreed they should have approved both debits so she resubmitted the dispute and they gave another provisional credit on XX/XX/XXXX but for both but I was only disputing XXXX at this point because they only denied the XXXX so I emailed their resolution department at XXXX stating that they over paid me. But they went and took {$590.00} on XX/XX/XXXX and again on XX/XX/XXXX. At this point I would be whole. But the bank sent me another letter stating that there going to take both credits out of my account on XX/XX/XXXX I went to the bank and he told me to email XXXX with my explanation I did that I called the bank asking to speaking to someone in there fraud department they wouldnt let me speak to anyone they gave me the number for XXXX and it hangs up after they say the company name. I also called the XXXX number associated with the charges that is supposed to be ticket master XXXX and they told me that its under investigation so how can the resolution department at the bank say that its valid and the have documentation Thank you XXXX XXXX Please have me get my money back
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and my SSN card.