23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

XXXX 2014 I have my mortgage service by OCWEN LOAN SERVICING LLC . When I went to file my taxes I find out that I did n't received a mortgage interest from OCWEN, so I called them and provided them the account # from my statement and they keep telling me that the account number does not exist and so is the property address, I called XXXX times and thats all I here from them and they do n't seems to help me out. I feel so frustrated and the fact that I have XXXX weeks from the deadline for filing my taxes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. ( They ignored the letter I attached saying they didnt know it was me even though I attached social and Id ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian 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 receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. Ive attached a letter and affidavit showing fraudulent items.I do not recognize the aforementioned accounts, collections and are a result of identity theft, and fraud, they were not opened, made or initiated by me. I have attached a copy of the FTC identity theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX, account # XXXX, has violated my rights 15 U.S.C 1681 section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have had an account with coinbase.com for over a year. I have activated 2-step authentication on the account, which I 'm very familiar with and have used with many other services for many years. I have never had any problems with 2-step verification with any other services. 

With coinbase, my 2-step verification seems to break at random times, locking me out of my account. I even attempted to use the backup master/reset password provided by coinbase to reset my 2-step verification, but this also did not work. 

I 've attempted to contact coinbase support for weeks, with no response from coinbase support. I just want to close my account at this point, but without any help from coinbase, my money is just stuck there.
Product: Credit reporting or other personal consumer reports

None of these questions are mine, please delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THIS ADDRESS XXXX 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, credit repair services, or other personal consumer reports

My current address is XXXX XXXX XXXX, XXXX, CT XXXX. 

Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX from XXXX in my name. They then charged on the XXXX XXXX approximately {$100.00}. They have all of my information and they have changed my social security number to their address. The new card was sent to me but I did not open this XXXX XXXX account. I had another XXXX XXXX account which they somehow closed without my permission I guess because I have had an account since 2017. They were able to hack my online account. They also have my husband 's social security and have done the same with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately two weeks ago I checked my credit via XXXX XXXX and noticed that my car lender Go Financial had reported that my vehicle was affected by a natural disaster. I live in XXXX Florida and hurricane Irma did in fact have a impact on me. The vehicle that I am financing with them however was not impacted or affected by the hurricane. The only reason why I was alerted to this report is because I was looking at purchasing a new or used vehicle at a car dealership and the salesman asked me this report. I couldnt believe it! The salesman later informed my wife early this week that more people looking to buy a vehicle also had this on their credit report and that it was the same finance company Go Financial who reported it. The salesman advised that customers did not know as well as us. This report Did Impact The decision Not To Get A Loan with a good interest rate. The salesman advised that this company should be reported and that Go Financial did me No Favors with this kind of claim. Thank You!
Product: Credit card or prepaid card

Received Citi card statement for {$30000.00} for XXXX/22XXXX/22. 
Paid online through XXXX XXXX XXXX Bank {$3000.00}. XXXX/XXXX/22. 
Charged again in XXXX with late fees {$72.00}. 
Citi lost the payment apparently. 
Finally, we received with Citi cards accepting responsibily and crediting our acount XXXX/XXXX/22. 
Paid final payment to cose the account {$140.00}. XX/XX/22 We have continued to receive late charges in a monthly which we have paid {$290.00}. 
My wife and I are XXXX XXXX XXXX and we pay our blls. Citi cards is attempting to take advantage of us.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 60 days 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.

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 8
Product: Checking or savings account

- I opened a Citi Gold Checking account with Citibank online on XX/XX/2022. 
- I deposited {$55000.00} via Citi plaid integration via an ACH from my XXXX Savings account on XX/XX/2022. 
- I deposited {$25000.00} via the Citi plaid integration via an ACH from my XXXX Checking account on XX/XX/2022. 
- On XX/XX/2022 my access was cut from the online Citi Gold portal. 
- On XX/XX/2022 I received a letter dated XX/XX/2022 that " We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending - xxxx and your other Citibank accounts .... and will be closed within XXXX days from the date of this letter... If there are funds the belong to you at the time of closure, Citibank will issue you an official check for that balance to the address on file. '' - As of XX/XX/XXXX, XXXX there was a balance of {$64000.00} in the account. 

Attempts to contact Citibank : - XX/XX/XXXX I contacted to inquire about my lack of access. I was read a script that my account was closed and that I would be sent a letter. 
- XX/XX/XXXX I contacted to inquire about the closure process, I was passed around, and hung up on. 
- Approximately XXXX times between XX/XX/XXXX and XX/XX/XXXX I attempted to make contact. 
- I was able to finally make contact with the CitiGold advisor that I had been assigned, XXXX XXXX XXXX from the XXXX XXXX office. He informed me that yes my account had been closed and that a check would be cut and my funds would be returned to me within the next 30 days ( est. end XXXX ). 
- On XX/XX/XXXX ( 60 days following the date of the letter ) I had not recieved funds and contacted Citibank. I was able to speak with another CitiGold advisor in the XXXX XXXX office, XXXX, who was able to look into the matter. 
- On XX/XX/XXXX I spoke with XXXX again - he indicated he had been attempting to get information regarding the status of the funds and confirmed that Citibank did have {$64000.00} of my funds custodied but that there was no resolution for reimbursement noted on the account- he had stated he assumed that meant they would be refunded via the original funding mechanism. 
- On XX/XX/XXXX, I spoke with XXXX again and he said he did not have an update and that he was working to get an update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, collection accounts that reports an open account status. {$0.00} balance owed accounts that reports an inaccurate account status and payment status. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I don't remember the date in 2013, but I deposited a check that was sent to me for working & my funds were held. then I was blacklisted. It took a decade for another bank to send my money to me, but I still haven't received anything from this one. Im guessing what made them act right is, I started to file a discrimination suit because these banks don't do that to everybody. [ if you get me ]. Another bank owes me money as well, in another area. XXXX. this is why I stopped making any other bank accounts because its too much shady stuff going on.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, On XX/XX/2020 Citi was paid {$35.00} and I have proof.. Now they are telling me that that payment is over due and are billing me {$29.00} late fee. When I call them, they just give me an automated system to " collect the debt '' I've even chatted on line with no help. They do not let me talk with a " liver '' person and I'm over it. I have sent them a letter & copy of payments and a check for {$260.00} and told them to close my account They have really caused me a lot of stress and time. I would like for them to be stopped. 

Sincerely
Product: Credit card or prepaid card

XXXX XXXX, my payroll debit card was compromised and {$100.00} was taken out of a XXXX ATM machine inside a XXXX XXXX XXXX XXXX in XXXX Texas XXXX 
I've contacted police department by phone in XXXX and as a result, no report can be made since it's not criminal according to the police. Fraud is criminal correct? Please follow up with me to see about further reporting and catching this culprit. Thank You.
Product: Credit card or prepaid card

Wells Fargo opened an account without my authorization. They also put unnecessary holds on existing accounts and charged unnecessary fees.
Product: Debt collection

I was contacted several times by Midland Credit Management about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a XXXX credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 US.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Last week, I noticed an unexpected {$30.00} charge on my checking account from a company called CheckRedi, which I'd never heard of. I contacted my bank, and they informed me it was a collection agency, advising me to reach out to them directly. 

When I called CheckRedi, I gave them my name and date of birth, but they couldnt find anything linked to me. I then provided my cell number, home address, past addresses, and email, but still nothing showed up. Finally, a supervisor managed to locate the account using just my name. 

According to them, the charge was for a gas station rewards program, and they said I owed around {$140.00} to a company called XXXX or XXXX XXXX. Heres where things get weird : I live in Montana, where we have no XXXX  or XXXX XXXX locationsthose only operate in Pennsylvania, Ohio, West Virginia, Indiana, and Maryland, places Ive never been. When I explained this, they suggested I contact another debt collector, XXXX XXXX, who was also handling the account. 

After multiple calls, XXXX XXXX eventually found the account using an account number I obtained from CheckRedi. The details on the account matched my name but showed an Ohio address and a date of birth XXXX XXXX XXXX than mine. After some research, I discovered theres a person in Ohio with the same name and those exact details. 

I explained that this debt wasnt mine and that Id never had an account with XXXX or XXXX XXXX. They transferred me to their fraud team, but since I couldnt verify the email associated with the account ( obviously, because it wasnt mine ), they said they couldnt help me. 

My main concern is how my checking account information got linked to this other persons debt. The {$30.00} charge came directly from my checking account, not my debit card. I've since placed a stop payment and disputed the charge with my bank. 

Then this morning, my wife received a text from CheckRedi about collecting this debt, which adds to the stress. Were planning to change our bank account and debit card numbers, but I'm worried about other potential fallout. So far, nothing has shown up on our credit reports, but were about to apply for a mortgage and dont want this to impact our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX XXXX the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all 3 credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct XXXX