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

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXXXXXX - My information was compromised in the XXXX XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX XXXX XXXX  XXXX - My info got hit by that XXXX XXXX breach, and now my credit report 's got all kinds of stuff I don't recognize. UNPROVEN! You can't just assume those claims are valid without proof.Show me you're following the right compliance standards for this account. The FTC is looking into this. DELETE!
Product: Payday loan, title loan, or personal loan

The summer of this year our heating and cooling system broke down beyond repair. We got a quote from a company named XXXX XXXX XXXX XXXX XXXX located in XXXX, Idaho. The quote they gave us was for 2 kinds of systems and they said they would apply for a loan for us to pay. We were going to make a payment of the difference but never heard from anyone about that and once the work was completed many week later I saw that the cheaper system was installed. The first quote was for a system that rated XXXX XXXX in the amount of {$9900.00}. The second was for a better rated system rated XXXX XXXX that would be {$1300.00} more. We asked for the better system and the person we spoke with said they could wait for a payment of the difference. The work took much longer than we thought it would, weeks longer. When it was completed I saw that they had installed the cheaper system but we had been billed for the higher priced one. I contacted the loan company as soon as I knew what company we had the loan with. Greensky, they billed us for interest right away. I made a payment for the interest amount before the work was even completed and contacted them to let them know the amount was incorrect. I had to contact XXXX XXXX XXXX XXXX XXXX several times to let them know we had been billed incorrectly and finally was told they would correct the error. Still after all these months the error has not been corrected. We have been overcharged interest and the original loan amount was incorrect. It took over a month for them to install the unit but the loan was taken out and interest started before work was completed. I keep getting a run around with the loan company. I was told things would be corrected months ago but nothing has changed and we keep getting charged more plus interest and fees. 
The loan company is XXXX XXXX XXXX. The first statement I have was in XXXX 2017. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive filed a complaint against XXXX due to the companys malpractice and mishandling of my personal information. The company responded to my first complaint saying that the integrity of the credit system relies upon the accuracy of information provided while showing lack of that itself. When I signed up with XXXX they never offer me in their agreement to OPT OUT from getting my personal information being shared with 3rd party entities as required by law. Therefore violating my right to privacy. 

In 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

From XXXX 2015 to the present, I have been contacted, repeatedly, by " XXXX XXXX '' to collect on a debt that was previously paid to another debt collection agency. After reading BBB reviews and online complaints, DRS has engaged in multiple violations of the FDCPA and FCRA, XXXX. This debt collection agency is operating via extortion and fraud and identity theft. In addition, DRS continues to collect on past statutes of limitations, and in some cases, " phantom debts. '' And, after XXXX complaints in the last 3 months, I would hope that the CFPB took notice and opened an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that this account was erroneous. XXXX and TransUnion are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$60.00}
Product: Mortgage

I modified mortgage loan with the Chase 6years ago when I close Finance I signed on the paper and I initialed the bottom of the right side corner. I want to get copy of original Statement what I Initial signed, Because when I settle with the bank Bank Chase no interest for {$180000.00} no interest but right now balance is {$250000.00} and variable maximum interest rate up 4.25 % than after 5year intree rate. Will be fix but right now 4.9 % they charge me so much. I  requested I want to see original paper I didnt receive that they never send it to me, I requested original first signed paper 6 years ago with my initial each paper loan documents. Chase not help me verify my loan paper. Please help me. My mortgage loan number is # XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding inaccurate and unfair rental debt collection practices by ( Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Account # XXXX Amount Disputed : {$1200.00} The debt relates to a rental agreement in which I was on a month-to-month rental agreement and a new extended ( yearly ) lease agreement was never signed. I provided proper notice and do not owe any additional monies. 

Additionally, the collection agency failed to validate the debt when I requested proof under the FCDPA.

On XX/XX/XXXX, I was sent an email from XXXX advising my lease was ready to sign - I never signed a renewal lease On XX/XX/XXXX a notice to vacate was emailed to XXXX On XX/XX/XXXX, I sent a follow-up email to XXXX On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I sent emails to XXXX XXXX XXXX XXXX ) disputing any rents owed and explaining neither I nor my co-signer signed a new lease and was on a month-to-month. 

On XX/XX/XXXX, I received an email with the Final Account Statement which did not include any additional rents owed or due. 

Throughout this process I spoke with several different associates at XXXX XXXX  and each time I was told they would fix the error because they could not find a signed lease agreement. I have included screenshots of how many times I called XXXX XXXX @ XXXX. 

This case should have been taken care of and never sent to collections. I spoke with this collection agency and was told to send documentation in which I sent in the form of a dispute letter. I did not receive any feedback and now I have collection letters being sent to an address where I do not live. 

I urge the CFPB to 1. Investigate ( Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for unlawful debt collections. 
2. Require the deletion of this inaccurate debt from my credit reports 3. Ensure compliance with federal consumer protection laws. 


Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from Checkr regarding a background check XXXX requires ran before you can obtain employment with them and It had 3 charges belonging to a XXXX XXXX XXXX which is not me and it reflects very poorly... Possibly even make a difference in opinion with wat the charges are and I can not afford that right now
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I got a notification from Experian that my score dropped. I checked it immediately and found out that an account was opened under my name without my knowledge. It was for secured loan of with XXXX XXXX XXXX  ( Address : XXXX XXXX XXXX, XXXX  XXXX , MO  XXXX/Phone ( XXXX ) XXXX ) for {$3000.00}. I knew right away that this isn't mine of course because of so many red flags. One, I never apply for a secured loan because I don't do collateral. Second, when I checked my personal information, there were inaccuracies in the information. An address that I am not familiar with was on my file. This definitely made it clear that someone had access to my personal information and that my identity has been compromised. I immediately called the bank ( XXXX XXXX ) to whom the loan was made to let them know that the account created under my name was fraudulent but the representative told me to call another company XXXX XXXX to file a fraud/complaint. I tried calling XXXX XXXX and of course it is an automated voicemail with instructions on how to report fraud. I emailed the XXXX XXXX  at this email address - XXXX. At first, they instructed me to file a report to www.identitytheft.gov which I did and submitted this report over to them along with a cover letter explaining why this account was fraudulent. I gave all the information that threw red flags on my report including an unknown address that I've never seen on my report. I submitted the documents on XX/XX/2023 and followed up on XX/XX/XXXX but still no response from this company but they keep on reporting to the credit bureaus. I submitted these documents to all three credit bureaus and told them about the fraudulent account. As an additional precaution, I also froze all accounts on all three credit bureaus. I am just disappointed with XXXX when I got a reply saying they won't change my credit report even with the inaccuracies in my personal information in the report. I would just like to get this account off my all my credit reports because of the obvious inaccuracies and plus, I don't really do Secured Loans because I don't have collateral. I wonder what collateral was used to secure this loan. 
Experian or any other credit reporting bureaus should do their own investigation and not just rely on the company XXXX XXXX XXXX XXXXs investigation. I have an open complaint about this company on why they did not do due diligence to do extensive checks on people trying to get these loans. I have already mentioned inaccurate information on my credit reports and still they find it accurate and would not remove this account under my name.
Product: Credit card

Initially, I had received an official email from XXXXXXXX XXXX on XX/XX/year> that an application had been submitted for credit in my name. Immediately, I responded back indicating that I had not applied for credit. Additionally, I noticed that my XXXX Score was lower than usual. In obtaining a credit report on XX/XX/XXXX, I noticed a new account had been opened XX/XX/year> from Barclays Bank Delaware. Without my knowledge, a Jet Blue World Elite card, with a total credit line of {$19000.00} had been opened. I immediately contacted the company to notify them that I did not apply for the credit card. Eventually, I was connected to their fraud department. I was informed that an investigation would be conducted. Also, that I would not be held responsible for the {$7000.00} purchase made on the card. I was also, informed that a followup letter would be mailed, verifying the closure of the fraudulent account. To date, I have not received any correspondence from the company. Understandably, I am upset that a credit line of {$19000.00} could be established without proper verification to begin with. Furthermore, I have spent countless hours in an effort to avoid further fraud, and/or misuse of my identity. At a minimum, due to their negligence I am paying a monthly fee of approximately {$25.00} for added credit card monitoring. An expense that should be offered to me free of charge by the credit card company responsible for opening this account to begin with.
Product: Money transfer, virtual currency, or money service

Good Afternoon, On XX/XX/2021 I sent XXXX XRP which is the equivalent of roughly {$2000.00} USD to a digital wallet with Coinbase. The funds never arrived. The wallet address I used was correct, but the 10 digit destination tag was incorrect, 1 digit got cut off so only 9 made it onto the form and not 10. I have contacted both the sending platform and Coinbase. The sending platform confirmed this will need to be resolved on Coinbase 's end. Coinbase support responded to my ticket and told me this would take 4-5 to look into. Unfortunately, they are lacking in the customer service department. They have no service phone number, no live chat, and no means to contact them other than the support ticket. They have a small presence on platforms like XXXX and XXXX that are filled with complaints that 2-3+ months later, people 's tickets are still being ignored with not even a simple update being given. I have responded to the email chain asking for an update, and have received nothing. I have asked both their XXXX and XXXX  pages for support, and received nothing. Though it has only been a week, the overall consensus from the user population is that there is no reason to trust their support times / processes / or to even expect a resolution. I am exploring all possibilities from SEC complaints, XXXX  complaint, etc. 

The sending platform XXXX XXXX XXXX which does have a live support, confirmed the funds will be stuck in Coinbases wallet because the tag was incorrect, and that a simple re-route of funds should take less than an hour to figure out. Had it been reversed, and XXXX was the receiving party, they confirmed it would not take long to fix. The issue with the long wait times and reason I am submitting this complaint, is market volatility. I have no control to sell buy trade with these funds until Coinbases credits my account. 


Coinbase Case # - XXXX Transaction HASH ID - XXXX
Product: Credit reporting or other personal consumer reports

I submitted this request to Equifax, XXXX, and XXXX. This is a request to correct a violation of 15 US Code. The information on the reports is going beyond the allowed information according to the US Code. 

XXXX XXXX XXXX ( This was sent to Equifax. Similar requests were sent to XXXX and XXXX ). 
Confirmation # XXXX Please correct the following inaccuracies on my credit report : Page # XXXX Last Reported Employment should have been XXXX  XXXX XXXX from XX/XX/XXXX, until XX/XX/XXXX. 
Page # XXXX XXXX XXXX XXXX XXXX Account XXXX is in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, which states ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Please remove information of account that as described by the US Code does not belong on the report. 
Page # XXXX, XXXX XXXX XXXX, Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX, XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX Account XXXX, this is not my account. Please remove. 
Page # XXXX XXXX  XXXX Account XXXX, this is not my account. Please remove.
Product: Student loan

My loan servicer is FedLoan Servicing and I am enrolled in the Public Service Loan Forgiveness ( PSLF ) Plan. My qualifying employment has been certified with FedLoan since XXXX of XXXX. In XXXX XXXX, I received a re-certification from FedLoan Servicing that showed the number of qualifying payments I have made. This number did not match the number I have made since the beginning of my qualifying employment, nor did it show the actual beginning date that I was first certified by FedLoan Servicing as having qualifying employment under the PSLF Plan. 

I contacted FedLoan for an explanation and they told me that they would send me a document detailing each payment I have made since the beginning of my qualifying employment, whether or not it qualified under the PSLF Plan and why or why not. I have not received that document.
Product: Credit reporting or other personal consumer 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 Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX Utility with account # XXXX opened on XX/XX/XXXX and a balance of {$73.00}. 
I am a victim of identity theft and I never opened this account. 
XXXXXXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. 
I am a victim of identity theft and I never opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Debt collection

I have gotten repeated phone calls and voicemails from Consumer Portfolio Services at all times of the day. The debt they claim I owe is {$11000.00} XX/XX/year> I have attached my call log history to show some of the times they called sometimes back to back in the same minute as you will see from my call history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied approval for a rental agreement because of miss-information present on my XXXX credit report regarding all my student loans with EdFinancial. 

It is stating " Payment Deferred, Collateral : Deferred to XXXX '', showing on 8 different Student Loans managed through EdFinancial " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian failed to comply with the fair credit act laws put in place to prevent these issues from occurring I have no student loans I have zero student loans do your job and verify the information are remove it. You are XXXX and incompetent to do your job. You need to be ashamed of yourself for being worthless and having no meaning. 
This company refuses to remove inaccurate information based off of my XXXX and my XXXX the fact is clear as day XXXX with excellent credit and this company experience is jealous of my financial success and trying to financially hold me back from obtaining new Credit line and a new Credit as well as an increase on my credit card been done credit for the whole year of 2023 ongoing I want this company, financially held responsibly for their actions related towards not updating and following the fair credit act related to my Credit Report I asked the person did not finish my first dispute filed. I asked that they are fired and not allowed to work in the credit department for the rest of the life.