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

I am sending my complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. 
These are the following items that needs to be remove in my credit file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against US Department of Education for Unauthorized Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the US Department of Education ( US DEPT ED ) on my TransUnion credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right. 
Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties.

Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information.

Willful Noncompliance Under 15 USC 1681n, the US Department of Education has shown willful noncompliance by knowingly reporting my account as late during deferment.

Account Information Creditor Name : XXXX Account Number : XXXX High Balance : {$10000.00} Reported Late Payments : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$0.00} Account Status : Transferred, Closed Account Type : Educational Loan Evidence of Errors Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card , and proof of address to validate my claims. 
Requested Resolution I request that TransUnion immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within 10 calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I submitted a credit application with XXXX XX/XX/XXXX for a XXXX XXXX XXXX for a mattress set purchase on XX/XX/XXXX for the approximate amount of $ XXXX dollars and about one ( 1 ) year with XXXX finance charge if paid in full. I was denied. 

Today, XX/XX/2021, I received a letter from XXXXXX/XX/XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL, XXXX dated XX/XX/2021, and that my request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased. 

THIS is an out-right LIE. 

I have a few XX/XX/XXXXaccounts and my My Credit is IMPECCABLE. 

Furthermore, they " state '' in this letter to me that some information used to make this decision was obtained from consumer reporting agency Sagestream , LLC, XXXX XX/XX/XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX ; that this consumer reporting agency DID NOT make this credit decision.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered that Busey Bank was reporting a charged off account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that Busey Bank breached there contract and violated there terms by reporting my non public personal information to third parties, namely XXXX, XXXX and XXXX pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. Additionally, Busey Bank was required to provide me with a purchase money loan pursuant to the Truth and Lending Act, 15 USC 1601 and regulation z which they failed to do. And Busey Bank is also still currently reporting transaction history which is illegal. Also, being that this account is charged off it is considered a certificate of indebtedness which constitutes income and is not to be reported on my consumer report.
Product: Credit card

XX/XX/XXXX IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 
15 U.S. Code 6805 - Enforcement Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.

( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 
I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

Navy Federal Credit Union, from XXXX XXXX, XXXX, has been reporting my history of transactions on my card accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section grants me the right to request the removal of inaccurate or fraudulent information related to identity theft from my credit file. 

Reason for Dispute : I believe these items were the result of identity theft, and I request the permanent removal of these inaccurate entries under Section 605B of the FCRA. I have attached the necessary documentation to support my claim. 

Request for Deletion Under Section 605B, I request that these fraudulent items be permanently removed from my credit report and that you confirm this action by sending me an updated copy of my credit report. 

Notification of Re-insertion Requirements ( Section 611 ( a ) ( 5 ) ) In accordance with Section 611 ( a ) ( 5 ) of the FCRA, if any of these items are later re-inserted in my credit file, you are required to notify me within five business days of their re-insertion and provide me with the name, address, and phone number of the information source. Failure to do so violates my rights under the FCRA. 


Enclosures : Supporting documentation identity theft trooper from FTC as required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$9300.00}, {$12000.00}, {$18000.00}, {$28000.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Debt collection

XXXX XXXX XXXX XXXX has file false information on my credit report that maybe do to identity theft this account is not mines I have never been here or used there services every by law this wrong to report inaccurate information on my credit
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I received notification that my COINBASE password was trying to be changed. This was an unauthorized action. I immediately called COINBASE support who 1 ) validated the correct amount of funds were present, 2 ) the LOCKED MY ACCOUNT pending an Investigation. A few days later COINBASE sent me a list of questions verifying the dates and amounts of all my transactions which I sent back to them. I called a few days later to get an update as to the status of my LOCKED account and was told COINBASE has the right to lock my account for 45 days to conduct an analysis of my situation. I checked the user agreement AND NO SUCH RIGHT EXISTS OR WAS AGREED TO!!! I have tried calling COINBASE customer support to 1 ) get them to UNLOCK my account 2 ) acquire information on the status of the inquiry .... customer help is USELESS and they remain in control of my funds ( earning interest NO DOUBT ) under the FALSE and DECEPTIVE right they may LOCK my account for 45 days. I have threatened legal action ( true ... ) and written DIRECTLY to the CEO. I have received NO RESPONSE and my account remains LOCKED. I find this degree of deception and thievery unconscionable. COINBASE should be closed by the authorities at once! I want my funds and want to close my account ASAP. My case # XXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were unauthorized fraudulent charges made to account. Chase refused to remove these errors because they believed it to be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

ALL INFORMATION THAT MUST BE DELETED IS LISTED IN THE ATTACHED IDENTITY THEFT REPORT XXXX
Product: Credit card or prepaid card

I bought a car from XXXX XXXX online after I saw The campaign on XXXX and XXXX,. I paid her {$4600.00} trough Cash app domestic money service company. She took my money and run away. I paid {$4600.00} for the car and shipping, XXXX took my money and run away. I cancelled the order and requested refund but never hear from him /her. I contacted him/her for via phone, and XXXX but no answer. The whatsapps of the scammer are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I used cash app to pay the amount of {$4600.00}. I reported my case to cash app support team, FBI, POLICE and FTC. 
My police report number XXXX My FTC fraud report number XXXX I submitted dispute through my banks, XXXX and XXXX, banks i linked to cash app to pay but they are unable to get my money back so far. 
For more infos please feel free to contact me via email or phone ; XXXX or XXXX XXXX XXXX Not just She has scammed me but she or he has stolen my Identity too, The copy of my driver license. 
Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> SS # XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX sent me multiple stall letters which it violate 15 U.S.C 1681I Fail to Reinvestigate My disputes there are still inaccurate information accounts on my credit reports 15 U.S.C1681EB states CRA 'S shall follow reasonable procedure to assure maximum possible of accuracy to whom it relates 15U.S.C1681 S-2 ( b ) violates Fair Debt Collection Practices Act 15 U.S.C.1692 E ( 8 ) States information which is known to be false
Product: Credit reporting or other personal consumer reports

I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
Account Preferred Credit 7152** In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of credit report after your investigation. Thank you.
Product: Checking or savings account

Regarding USAA Federal Savings Bank I received a call from USAA ( representative sounded female ) on XXXX XXXX, XX/XX/2019 at XXXX PST. The rep told me that my checking account has been locked due to fraudulent activity. I asked her what the activity was and she stated that she did not have access to that information and that I would need to call back after XXXX during normal business hours to get more information and unlock it. 
I called back on Thursday morning XX/XX/2019. I was told by the rep that I needed to change my PIN. I did this. 
I logged in to my account to find that my account had been thoroughly wiped out and used as a platform for fraudulent deposits ( about $ 39k ) and subsequent purchases ( $ 50k in debits ). There were at least 50 transactions processed in the window of time when the bank was closed. I had nothing to do with any of these and immediately called USAA back. The reps claimed I called USAA to have funds release and that I claimed they were valid. I made no such calls and have sent my XXXX phone bill to prove the calls did not come from my number. Someone fabricated this or spoofed (? is that the term? ) my phone number. 
I have now come to realize that one of the biggest challenges in dealing with an issue at USAA is that there is no ability to communicate seamlessly about an issue with a single person or entity. Every communication begins brand new and as a " member '', I must completely start at the beginning every single time I call in. I can not reference a " case number '' or issue id. Furthermore, I have come to understand that the representative 's NOTES concerning the phone calls we have can be completely fabricated. I discovered this today in speaking to the 15th ( + or - a couple ) representative who informed me that he sees a note on my record from the evening of XX/XX/XXXX that reads " Member called in and claims all charges are valid ''. This is false. I was under the impression that calls were recorded but apparently this is not the case either. I am at the mercy of their " notes '' that can be written to their benefit or to hide something they have done. 

I have submitted complaints to USAA as well as logged a police report. If identified through the police detective work, I will press charges against the criminals who used a debit card that was linked to my checking account. 

I need consumer protection help because my money was mismanaged by the very bank I trusted to safeguard it. I believe there were internal forces at work here to enable such a well planned gutting of my account. 

Attached are the fraudulent transactions, my XXXX phone log, one written complaint uploaded to the USAA portal and the Police Report.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from Capital one stating my profile phone number was updated. I do not have an account with them. Then, a week later, I get a letter stating my application for a checking account was declined. 
Recently, the IRS sent me a notice that I must verify my identity before they process my refund. I have not filed a 2022 return.
Product: Mortgage

I started through one of their loan officers to apply for a refi my primary residence in XX/XX/2019 They gave me an estimate of 2 months to close I have been sending and resending docs requested since XXXX and I havent heard from them since XXXX. 
I dont know if there are any possible docs they didnt ask for I worked with them 2 years ago on a purshase and they closed in 4 months.! 
Had I not known the seller I would have lost my deposit and lost teh. Deal This time I was promised that this will never happen again It was refi to cash out and I needed the money so I had 2 sell other properties to cash out that I didnt want to sell So please be careful that their delay or not performing can have very serious consequences I am not sure if you call This negligence or incompetence but for sure I will never deal with them again
Product: Debt collection

American Express Credit card has in throughout the year called multiple family and friends explaining the need to get a hold of me about my debt and asking the person for a number or information on me this is repeatedly at least once a month from the end of XXXX and now increasing from XXXX they call the same family or friends with the same question. The account under my knowledge is being placed or already has with collection agency from my understanding but, the other day I had my mother tell me they called twice America express its embarrassing and harassing. I feel intruded on how did  they get my friends number it's not on anything I have and others as well? Why call to give personal info? And why so many times?
Product: Credit reporting or other personal consumer reports

Transunion ( only credit reporting agency to do so ) has published derogatory information on my credit report as a result of fraudulent collection attempts by XXXX XXXX XXXX XXXX, XXXX XXXX. 
The basis of the derogatory comments is a result of XXXX XXXX XXXX. 
On XX/XX/XXXX I signed a lease with a XXXX XXXX XXXX XXXX XXXX  ) at XXXX XXXX XXXX South, XXXX, TN. The lease specifically stated that utilities would be billed individually by unit and XXXX XXXX XXXX on attached lease, page XXXX of XXXX -item # XXXX. 
Upon noticing that my utility bill was escalating dramatically on a month-to-month basis ( example-gas increased for ~ $ XXXX to over $ XXXX ) I questioned management on why this was happening. 
After weeks of no response, residents received a notice via email ( attached ) that utilities would be " allocated '' across all residents, and this was now a term of the lease. This unilateral decision to alter voided the lease and also left it illusory. After not receiving any response from management questioning this move, and fearing other unilateral alterations, I choose to move out given the voided lease. 
XXXX then contracted with XXXX XXXX XXXX to attempt collection who began contacting me for unwarranted and illegitimate collection. On XX/XX/XXXX I requested all relevant lease documents ( including XXXX notice to tenants and unilateral modifications to the lease ) as well as all email correspondence between myself and XXXX management. I received no information and XXXX XXXX XXXX efforts ceased. In XXXX of XXXX I noticed a significant drop ( from XXXX to XXXX ) in my XXXX XXXX, driven by the derogatory remark posted by XXXX XXXX XXXX XXXX TransUnion site XXXX My dispute to TransUnion was rejected. This is a result of inadequate research on the part of TransUnion and lack of transparency by XXXX XXXX. I will also be filing a complaint against XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX it appears that XXXX XXXX XXXX sent me an email stating that they would threaten me with arbitration if I did not pay them which is a violation of the credit Act laws. I also have no contract with XXXX XXXX  and am not liable.
Product: Mortgage

I contacted my servicer on XX/XX/XXXX to confirm a change in my property taxes due to a citywide reassessment which resulted in a much lower property tax bill for my home. I have followed up several times for ( i ) an update to my escrow withholding and ( ii ) confirmation that action is being taken to pay my property taxes correctly ( follow ups on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with NO non-automated response. I have yet to receive a single update and my servicer missed my latest property tax due date. Only next step I can take at this point to elicit a response is a CFPB complaint..