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

Name : XXXX XXXX DOB : XX/XX/year>XXXX  SS : XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX with a balance of {$9000.00}, XXXX XXXX with a balance of {$700.00}, XXXX  XXXX with a balance of {$820.00}, XXXX with a balance of {$13000.00}, XXXX XXXX with a balance of {$920.00}, XXXX XXXX with a balance of {$780.00}, XXXX XXXX with a balance of {$580.00}, XXXX with a balance of {$2700.00}, XXXX XXXX  with a balance of {$2100.00}, XXXX  XXXX Bankruptcy with a balance of {$0.00}, XXXX XXXX ( inquiry ) and XXXX XXXX XXXX ( inquiry ). 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX and # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This is a claim from an unknown source for services performed in  XXXX ,  2015  at  XXXX   XXXX   XXXX   XXXX .   Account :  XXXX  Amount for services {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit. I notice Accounts that I did Not Give any Consent to. I have never open any of theses Fraudulent accounts with These companies. I need Information On How these accounts was open without My consent this Report is to Help Me resolve This Matter. I'm a victim of identity Theft. I cant understand how Accounts was open without Proven My identity. I want These Accounts off My Credit.

Thank you
Product: Student loan

I am on the Public Service Loan Forgiveness ( PSLF ) program. I started working at a XXXX XXXX 15 years ago and received certification stating my employment qualified. Ive made over three years of on-time payments under Income-Based Repayment ( IBR ) plan so far which were more but I was not informed that my loan needed to be transferred to XXXX  until 4 years ago. I have submitted Employment Certification Form ( ECF ) in XX/XX/2018. Their acknowledgement letter stated that my employment qualified. However, my statements have stated 4 payments made go toward PSLF. I have called XXXX several times but they stated it would be updated which never was and we are approaching a year later with no correction. Also, I was not aware of the difference of loans from FFELP which I originally had vs. Direct loans. However this is something you wouldnt know unless you really study all the fine print of the loans and are financially savvy. All my loans came from the Federal Government so I thought they were all direct. The PSLF pamphlet I received 10 years ago stated that the eligible loan types as ANY Direct Loan Subsidized/Unsubsidized Stafford, Plus, Consolidation. My FFELP loans were listed as Stafford and Plus on loan description which led me to believe my Stafford and Plus loans were PSLF eligible. I also noticed that studentaid.ed.gov PSLF webpage recently added more clear paragraphs regarding FEELP vs. Direct loans. However, it wasnt as clear 10 years ago when I actually looked into PSFL which put me back 5 years. While I believe important letters like this should have been delivered in writing 10 years ago. I understand there are thousands of others in my same situation by reviewing complaints and the news. I also read about class action lawsuit. So I decided to look out for help as well. XXXX XXXX should have provided a written letter regarding non-PSLF qualifying loans upon receiving ECF, and their failure to do so misguided me into believing I was would qualify. I would like see if anyone can help me to correct the issue. Thank you!
Product: Bank account or service

Since XX/XX/XXXX, I Have Been Banking At This Bank And Have Turn Down for A {$3000.00} Loan. Today XXXX XX/XX/XXXX, I Went To Check On The Fees That They Take Out Every Month At {$12.00} Which Came Out To Be {$260.00}. - {$18.00} They Only Gave Me Back. Now When The Bank Changed Every Thing And Gave Up With This Account It Was Said That If I Use My Card XXXX Times A Month NO FEES Would Come Out Of My Account. But That Was Not True.WELLS FARGO BANK
Product: Debt collection

I tried to reach out to the collection place but they could not provide any valid information to me to prove the account was mine. Please investigate the account the credit bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report as I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be removed from my credit file : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received an alert that TD Bank received a copy of my credit report through my credit alerts from expperian. I did not apply nor did I authorize them to pull my credit file. I instantly called TD Bank and was told that they have no record of pulling my report. that int the case because I have multiple alerts saying otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/, I disputed a debt of {$980.00} with XXXX asking Spring Oaks Capital LLC to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline and did not provide requested verification but claim the debt is verified. According to 15 USC 1681i ( a ), the agencies are in violation of my rights.
Product: Debt collection

A Paypal credit account was opened in my name fraudulently issued through Synchrony bank. I reported it to Synchrony bank and they agreed to remove it. now they continue to send it to collection agencies and threaten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Pennsylvania Higher Education Assistance Agency violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Product: Money transfer, virtual currency, or money service

I received a check from XXXX XXXX which handles my 401K. I went to US Bank located at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX XXXX ) on XX/XX/XXXX to cash it in the amount of ( {$3400.00} ) since the check is drawn off of US Bank. The teller ( XXXX XXXX ) who is a Client Relationship Consultant IV ( XXXX XXXX ) took one look at my check advised me they could not cash a check for a non customer over the amount of {$1500.00}. She told me I would need to go to my own bank, but handed me her card so my bank could verify the funds. She never looked up the account information on my check to verify the funds herself. She never looked to make sure the check was in sequence for the company. It's like she automatically assumed the check might be fraudulent and denied me service. Once I left I called another US Bank location to ask them if there was a limit for a non customer cashing a check and they told me no, as long as the money is available in their till they could do it. I called XXXX back and confronted her with this information, she told me each branch has their own policy and the branch managers policy for their location was a {$1500.00} max for a non customer to cash a check. I asked her was there a way I could verify that information, was it on the website or on a sign at the bank. She told me no when she started working at this location the branch manager just told her that's the policy. I advised her I wanted the number for the Office of the President she placed me on hold for 15 minutes and came back on and ask me what location I cashed my check at, I told her I just deposited at my own bank. She then asked what branch I spoke with regarding the limit for a non customer. I told her, she then proceeded to tell them, they should have not provided that information it goes against branch policy, which her manager advised her of. She asked for my name and number so her manager can call me back tomorrow ( XX/XX/XXXX ). XXXX never provided me with the number for the Office of the President like I asked for previously. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or just the way I look for her not to cash my check.
Product: Debt collection

On XX/XX/XXXX, I sent via certified mail a letter in which I disputed the debt they said I owed and requested validation of the debt of XXXX dollars. As of today, I have not received any of the materials I requested, nor have they provided validation for this debt. 
On XX/XX/XXXX, I placed a call to Security Finance Collection office located in XXXX, Ga and was told by an employee named XXXX, that my validation letter was received on XX/XX/XXXX, and all if any documents that were forwarded was sent to the department office located XXXX XXXX XXXX, XXXX, South Carolina, XXXX. 

Also, on XX/XX/XXXX, I placed a call to XXXX, and spoke collect agent named XXXX, who read a response letter she claimed had been mail to me sometime in XXXX of XXXX. However, in this letter responses, they did not include any of the request materials or prove that this debt was valid, nor did they remove the debt from my credit report. 
I am in the process of purchasing a home and due to the time restraints, under duress I am forced to pay for a debt that does not belong to me. 
Pursuant to the Fair Debt Collection Practices Act ( FDCDA ), states that I have the right to request validation of the debt they say I owe them. I believed that Security Finance Systems collection business practices are unlawful and intentional.
Product: Credit reporting or other personal consumer reports

I trust this message reaches you in good health. I am sending to follow up on the dispute notification I previously sent to you on XX/XX/2024, concerning specific items on my credit reports. Thank you for addressing this promptly. It has now been 40 days since my initial dispute letter, and I have yet to receive any updates or communications about the resolution of this issue. While I understand that the investigation process requires time, I am eager to know the current status and any progress that has been made regarding the concerns I raised in my earlier correspondence. Listed below are the items that need to be removed or deleted from my credit reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfers

Money was wired on XX/XX/XXXX. It is now XX/XX/XXXX and neither bank knows where my money is. They both keep blaming each other and Im out $ XXXXUSD. The bank manager actually told me yesterday I might be out of luck. This is supposed to be a secure place to keep funds not the stock market. If I dont get this money back soon it will break me and probably put me in bankruptcy. PLEASE HELP!!
Product: Credit card or prepaid card

Attempted to purchase airline tickets in the evening, wake in the morning to a notice of declination based on a fraud alert. Responded to the text that it was not fraud, immediately booked the tickets again, however were {$20.00} more per ticket based on a fare change. This {$80.00} should be paid by Chase as their fraud department had flagged a legitimate charge. 

Significant history of purchasing family airline tickets in the past, no reason this should have been flagged. The mistake of credit card company cost me money.
Product: Credit card or prepaid card

The bank locked my account with out my knowledge and I was told in order to unlock the account I had to send my legal documents. I sent my legal documents 3 times now over the course of 3 months I have been told different times my card should be unlocked and that I should call again.. everybody I have spoken too gave me a different answer but no solution. I have a XXXX XXXX XXXX  daughter and that unemployment was to help me and my daughter and bills. Im now in my 3rd month and Im still being told nothing about my card being unlocked.
Product: Debt collection

I have no knowledge of said debt and I would like it removed as it is reporting to the credit bureau 's and negatively affecting me. I also had insurance at this time.
Product: Credit card

My Barclays XXXX account was closed. I was notified via a letter dated XXXX/XXXX/2016. The letter referenced the reason was " history of account usage. '' I did not, to the best of my knowledge, violate any published terms and conditions, and my account was always paid in full. While I understand Barclays may close accounts if it sees fit, I lost earned award points. In contacts with Barclays they have been unwilling to credit my account with the rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that I am in receipt of the correspondence from Equifax Confirmation # XXXX dated XX/XX/2022 in regards to the former complaint to The CFPB number XXXX submitted on XX/XX/2022. 
The companys reply is unresponsive to my request. 
I specifically requested proof of my consent in relations to the following accounts on my credit report ; THE BANK XXXX XXXX  Partial account number XXXXXXXX XXXX XXXX Partial account number XXXX The Fair credit Reporting Act gives them 30 days to properly respond to a Consumers request. They have until the XXXX of XXXX to properly respond to my original complaint or permanently remove the items from my credit file. 

15 U.S. Code section 6802 - Obligations with respect to disclosures of personal information A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party, any non-public personal information, unless such Financial institution provides or has provided to the Consumer. 

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. 
XXXX has failed its legal responsibility to protect my privacy by continually stalling to adhere to my request. This is a complete infringement of my right to privacy. 

The GLBA privacy rules, as enforced by the various regulators, generally require : Clear and conspicuous notice of the financial institutions information-sharing policies and practices, including what information it collects and with whom it shares the information. Covered institutions may use a model privacy form published by regulators as a safe harbor. The privacy notice must be provided when a customer relationship is established, and annually thereafter unless the financial institution does not engage in any sharing for which customers have the opportunity to opt out and there have been no changes in policy or practice since the previous privacy notice.4 Providing customers the right to opt out of having their nonpublic personal information shared with nonaffiliated third parties, subject to a number of significant exceptions, including for joint marketing, processing consumer transactions, and service providers. Financial institutions must process opt-outs within 30 days.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I initiated a bank wire transfer for {$10000.00} USD from my Coinbase USD account balance to my personal bank account at XXXX XXXX which is linked to my Coinbase account. Coinbase referenced this transaction as # XXXX further known as Transfer ID : XXXX. 

The wire was supposed to complete within 48 hours and as of today, XXXX XXXX, XXXX The funds have not reached my bank account and Coinbase did not re-deposit the un-wired funds back into my Coinbase account either. 

I placed an internet support request on XXXX/XXXX/XXXX because Coinbase does not have live customer service agents to help with fund transfer issues and was given Case # XXXX. 

After more than a week with no response I placed another support request with Coinbase on XXXX/XXXX/XXXX and was given case # XXXX and as of today ( XXXX/XXXX/XXXX ) there has been no response from Coinbase. At this point they have apparently stolen my {$10000.00} US and I want it returned immediately.
Product: Credit card

I have a XXXX 's XXXX XXXX, I paid up {$56000.00} of car loan from the same bank in 8 months, early this year I applied for a credit card which was approved for {$2000.00}, because of the small amount I tried to ask for an increased 2-3 months later. It got denied. I just want to make sure that I am not getting discriminated because of my immigration status as being a lawful permanent resident because I do make $ XXXX a year as a Physical Therapist. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX  ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.