23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Back in XX/XX/XXXX, I began my journey of purchasing cryptocurrencies. XXXX, XXXX, XXXX, XXXX and XXXX were the cryptocurrencies I purchased for a total of {$7000.00} XXXX. 
Fast forward to early XXXX when I tried to activate a coinbase XXXX XXXX XXXX  that was mailed to me by Coinbase only to find out that my account had been suspended. It's been over a year that I have unsuccessfully been able to activate the card or even try and reach an " Account XXXX ''. Apparently, an account XXXX is the only person that can reactivate my card. 
I am reaching out to you in hopes that you can assist me in retrieving my funds.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I tried to get free annual credit report via XXXX XXXX XXXXXXXX. However after several trials ( via web and phone XXXX XXXX ) and to contact customer service. There was no any success to receive either credit report or help on matter. Therefore it seems that Trans Union practices to provide required services are questionable and need further investigation by proper authorities.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified several fraudulent collection accounts on my credit report, which are the result of identity theft. Despite numerous attempts to rectify these errors with the credit bureaus, they have failed to take appropriate action. This ongoing inaction is severely impacting my credit standing and financial well-being. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have all fraudulent information resulting from identity theft removed from my credit report promptly.
Product: Credit reporting or other personal consumer reports

The company experience has leaked my Social Security and credit information in a data breach and is refusing to acknowledge that some of the accounts are not mine, and the information is incorrect. They also can not prove ownership of the accounts.
Product: Credit card or prepaid card

On XX/XX/2018 we purchased a piece of furniture from XXXX XXXX XXXX in XXXX, NV. We were told it could be delivered to our residence. They had us apply for a credit card through Synchrony Bank to receive 0 % financing. We have gotten notices that it would be delivered. It has not been delivered and yet we can not cancel the order or the card. We have tried to contact the store, to no avail and the corporate office with no help! Consumer Fraud! Please help. The amount for the purchase is {$1400.00}.
Product: Credit card

In XXXX 2017, my identity was stolen, and used to open a series of fraudulent credit cards. One of them was a " XXXX '', issued by XXXX. Having contacted them and explained the fraud, they informed me that the identity thief had been granted immediate credit in excess of {$1000.00}. 

Instead of immediately closing the account and expunging the debt in accordance with FTC and consumer law, I was informed that the account would remain open for up to 90 days, during which time the fraudulent balance would still stand. I would still be billed, and would still be found legally responsible for this fraudulent debt in my name. No other credit card company took these ridiculous steps, even those for which the falsely obtained debt exceeded {$3500.00}. As I have no intention to pay debt for which I am not legally responsible, and it was indicated that the matter would remain open for 90 days, it is now a real concern that this matter would adversely affect my credit report. 

I have already filed a separate FTC complaint regarding the theft as a whole, but the actions of XXXX in particular currently stand as a real and pertinent danger to my credit, all because the organization refuses to take responsibility for their facilitating the theft. It is my hope that they can be made to comply with the law, fully and completely cancel the fraudulent account in my name, and erase the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Accounts reported as Account # : XXXX ( as identified on XXXX ), ( but identified differently on XXXX as account # : XXXX and differently on Transunion as account # : XXXX ) and also account number : XXXX ( as identified on XXXX ) ( but identified differently on XXXX as account # XXXX and differently on Transunion as account # : XXXX are reporting transaction history since the opening of these accounts and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights. Furthermore, as a Federally protected consumer, I now opt out of any and all authorization I, the consumer, may have given XXXX XXXX XXXX XXXX, XXXX, XXXX, and TRANSUNION whether written, unwritten, verbal, and non verbal to report my nonpublic personal information and all transaction history while reporting these accounts. 
All pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 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 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

I went to apply for credit and the company denied me because of what XXXX, XXXX, and Equifax was reporting on my credit report without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, I paid my rent payment through the company 's online portal. the payment went through on Wednesday. It was in the amount of XXXX. I checked the account after making the payment, and saw it was processing through my Bank of America checking account. The next morning, I checked the bank account ( as I do every morning ) and everything was fine. The next morning, on Friday the XXXX, I saw that Bank of America had processed the same payment a second time, making my account severely overdrawn. The transaction numbers on both transactions- are identical. I first contacted my local branch, who assured me the matter would be resolved. He never contacted us back or made any effort to resolve the matter. We went into the bank the following day - as well as contacting the customer service number on the back of the card - both parties told us they needed to wait until Monday ( the next business day ) to resolve the matter. On Monday, neither of the offices contacted us regarding the problem, so I called the customer service number again. This time, I was told it would take up to 90 days to remedy their error. I had already provided proof that I did not authorize the transaction, nor did the merchant ( my landlord ) receive the payment. My landlord has also been in contact with the local branch to reiterate that information, and provided them with such documentation. This is clearly an error on the bank 's behalf ( especially considering the transaction numbers are identical ), but they refuse to accept accountability. Due to this, I have been unable to conduct business with my current customers or accept new clients. My life- and my family 's life- has been made to suffer. And several payments are now past due. The bank even returned a credit card payment I made on the same day of paying my rent ( there was enough funds in the account to cover both ... until they ran it a second time ). Now, I have a returned payment fee from them, a late fee and they are threatening to close the account. Meanwhile, my bank wants to do nothing but tell me to wait and be patient and 'apologize for the inconvenience '. Please help me get this matter resolved. 
Thank you.
Product: Debt collection

I sent a debt validation letter to Southwest Credit Systems on XX/XX/XXXX. They have not responded in writing to my request. However, on XX/XX/XXXX I was notified by a credit monitoring service of a negative collection entry on my credit report. Although I included a cease and desist request within the debt validation letter I received calls. I took one call on XX/XX/XXXX in which I explained the situation. They verified their receipt of my letter and their entry to my credit report. After I explained their violation of the FCRA regulation that prevents a company from taking such action before the validation of the debt, the representative stated that they don't delete entries on credit reports.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), consumer reporting agencies like XXXX and XXXX are mandated by law to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, as the consumer, have the right to ensure my private information is not shared without my explicit written consent. In line with 15 USC 6801, financial institutions have a continuing obligation to protect the privacy and security of their customers information. The law ( 15 USC 1681 section 604 ) states that consumer reports can only be furnished with written instructions from the consumer, which you do not have. I revoke any perceived consentwhether its verbal, written, or implied. Additionally, 15 USC 6802 makes it clear that I have the right to opt out of this process, which I was never informed about. Also, the reporting of adverse information that is older than seven years is prohibited by 15 USC 1681C, and this account falls into that category. You are in violation of the law, and I am formally opting out of this reporting. I demand immediate action to remove this account from my credit report.
Product: Debt collection

XXXX XXXX XXXX is a collection agency for rental properties and has reported to my credit reports on November 21, 2019. I never received any correspondence from them about owning debt so I was not afforded the right to request validation of debt. When I got notice of collection on my report, I immediately sent a debt validation letter to said company.XXXX XXXX XXXX never sent me anything showing I owed the debt but they did send me a letter dating XX/XX/XXXX which stated the original amount of debt was and then the interest they added onto the debt to make total even more. According to the FDCPA, ( Section if a debt collector is attempting to collect on your debt, they need to do so according to the original contract you signed. This contract refers to the one you signed with your original creditor. Even though this debt was most likely purchased from the original creditor ( or someone else who had purchased it from the original creditor ), the terms are passed down through the chain of ownership. Therefore, a debt collector can not add fees to your debt without permission from the courts. This means that you will need to have a judgment placed upon you before any fees are added. I have not received any court judgements or any paperwork from XXXX XXXX XXXX stating they were able to add interest. I kept requesting proof of debt on multiple occasions since XXXX of XXXX and a letter dated XX/XX/XXXX I received another letter with even more interest and then a move out bill that had the original amount owed by original creditor but no contract of any sort stating I was the responsible party who owed this amount nor had my or creditors information on it. I asked again multiple times why interest was being applied and even the creditors contact info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am opting out of reporting my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights of privacy and copyright protection. Im requesting that my personal data be deleted from your company data base immediately.
Product: Credit reporting, credit repair services, 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 Account # XXXX, has violated my rights. 

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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

My husband asked me to sign some loan documents to help him refinance his home loan. He stated that I had to be on the title for the refinance. When the papers were brought to me, they had the wrong name on them. I never took my husbands name and my driver 's license specified my maiden name. I was told by him and the notary to sign the documents anyway even though I protested. 

The documents are incorrect as I am not nor will not be known by the name on the mortgage refinance documents. 

Do I have to be or remain a part of this fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.
Product: Mortgage

I am currently under COVID forbearance. I was given 18 months but now I am being told that no and it ends at the end of XXXX. I was also told by XXXX XXXX XXXX that I would be able to defer my mortgage and if I am still under hardship they can lower my monthly mortgage. 

I have a relative who went through the same process and they were able to do exactly what XXXX offered me except they use another mortgage company. My relative paid {$1200.00} and was able to reduce to {$900.00} 's. 

I am now under Shellpoint Mortgage as it was sold to them. I was also told that XXXX is under NewRez in which Shellpoint is also under NewRez and they can not understand why that happened. I am being told I can either defer or modify. But the modification is only less {$50.00}. My single case agreement XXXX I am assigned to in the office doesn't seem to care to help. My conventional loan is issued by XXXX XXXX. I underwent through hardship due to COVID and then hurricane did affect my husbands job. He was currently let go due to layoff and wasn't rehired. So, its been a struggle back and forth. I do not want to lose my home and would like to have something worked out. I do understand that the forbearance may not be honored anymore in which I would like my forbearance amount to be deferred and if possible based on some articles I read my term to be extended to lower my monthly payments to help me stay in my home. 

I understand that they can do that and also reduce interest rate and/or principal along with the term extension to help out.
Product: Debt collection

I have sent multiple letter to XXXX to verify debt and that to state that I have never had contact with Cedars Business Services LLC about said debt. XXXX has deleted debt colleter from my XXXX credit report. they keep harassing me through email everyday. I have attached the letter I sent to XXXX.
Product: Checking or savings account

On XX/XX/2019, in two separate transactions, {$2000.00} was fraudently removed from my checking account via XXXX. I immediately reported this to my bank, Captial One. The first {$1000.00} transfer was credited back to my account but not the second {$1000.00}. The bank said they were able to recover the first {$1000.00} before it went through. I never heard of XXXX and subsequently learned that it if rife with fraud. Capital One should bear some responsibility since my customer profile doesn't include XXXX, which should have been a red flag. Nor was there any two factor authentication. I wasn't alerted via email regarding this transaction either. The person also attempted fraud with my XXXX account by trying to purchase multiple gift cards but XXXX flagged the activity as suspicious and put a temporary hold on my account. Capital One should have been able to do the same. 
Capital One denied the claim.
Product: Debt collection

On  XXXX   XXXX ,    2017  I received a phone call from a debt collection company , Apelles LLC  regarding an alleged debt from  XXXX   XXXX .     I sent Apelles a certified letter on  XXXX   XXXX , which I received confirmation for from the post office, stating that I wanted proof in writing within the 30 day prescribed time limit that I owed the debt in accordance of Sectio n 809 ( b )  of the Fair Debt Collection Practices Act. No proof was ever provided.     It is now  XXXX   XXXX , well after the 30 days prescribed time and I have not received any proof of debt and I am getting phone calls stating that I owe the money?!     I will happily pay the debt should it be verified and I will pay directly to  XXXX  but I have not received any verification of debt at all. In fact, back in  XXXX  I received a {$300.00} check FROM  XXXX  as a refund due to them taking money from my bank account after all items had been canceled.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App talled to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have received a hard inquiry after applying for a credit card with Apple Card/GS Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX has violated my rights. 

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 a account without my written instructions