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

My social security number is XXXX On credit report experian their is Two negative fraud items that have the same account number and balance these duplicate fraud items supposed to be removed and blocked I have a federal trade commission identity theft report on file regarding XXXX their is one negative item that's fraud on my XXXX report and XXXX XXXX theirs three negative items I have a federal trade commission identity theft report on file please have experian and XXXX and XXXX XXXX removed these negative items
Product: Vehicle loan or lease

I am being charged a " Door Knock '' Fee in XX/XX/XXXX/XX/XX/2021 for an Private investigator being hired to hand deliver me a demand for payment from Right Direction. I never received said notice, as the Private investigator was sent to the wrong address and location to provide me with these papers. Right Direction has my updated address on file in XXXX, NH, but yet still went to a location in XXXX that has never been associated with my account nor has been a place I have ever been to in the last 5 years of having this car.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I have been contacted by Rausch, Sterm, Israel, Enerson & Hornik LLC ; a law office out of XXXX, Minnesota in regards to a debt that I apparently owe to XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX, XXXX. I have received a letter stating that I owed the amount of {$590.00}, and if I have any questions to contact them regarding a resolution dated XXXX XXXX, 2017. On XXXX XXXX, 2017 I was contacted at my home by an unnamed individual whom served me papers from the State of North Dakota -- XXXX XXXX Judicial District stating that I have been summoned and required to appear and defend this action, within twenty-one ( 21 ) days. This notice was dated XXXX XXXX, 2017.  Therefore, it is apparent that the judgement with the court was submitted before the notice to contact them was even drafted and sent out. As well as, there was no previous contact noted from XXXX XXXX or XXXX XXXX XXXX regarding the supposed debt. Therefore, I have had no notice that I had the debt against me. If I would have had proper notice I would have gladly setup a payment plan, or even paid the balance in full. However, now I am looking to seek legal consultation regarding this matter. There has not been proper notification regarding this debt and now they are using legal tactics that are threatening or otherwise demanding. I have tried to contact the law office and the original company multiple times, and I have reached no one due to the lack of information on websites and the sites that you must go through in order to even reach a site that states how to contact.
Product: Vehicle loan or lease

On XX/XX/year>, I received an email from Santander with a Identity Theft Report questionnaire to fill out and return. The assigned case number is XXXX. 
I completed the form, along with a Police Report, and submitted the packet via Certified Mail. 
The receipt shows that the package was delivered on XX/XX/year>. 
The letter from XX/XX/year> claims that they will review the report and provide a response within the required 60 days. 
I have not heard from them, and we are well past the 60 days. 
I am in the process of trying to get a mortgage and this identity theft incident is hurting my credit score, which is hurting my ability to get a mortgage.
Product: Mortgage

i have requested tax documents from company several times per my request they state it will be sent and todays date is XXXX/XXXX/16 and this information is still not available to me. Thus I am unable to filetax return adn deadline is fast approaching.
Product: Mortgage

We are working with Amerisave attempting to refinance our house. Currently, they are unresponsive, and refuse to return phone calls. They currently have {$500.00} of our money, and we are unable to get clarification on what documentation they still need. I can provide all of our communications, screenshots, and phone logs if needed. This company is unable to close or refinance a majority of their customers, are are relying on customers to default on their {$500.00} fee.
Product: Credit card or prepaid card

Re : Black Friday Appliance Sales Event. I applied for a credit line in order to purchase a full four piece appliance package. The credit line and the order went through without ANY published terms, notice of credit line or financing. I received several emails in sequence, none of which said what my credit limit was or detailed what ( if any ) financing options I had been granted. The next day I received an email stating that my order had been placed on hold. Upon calling into customer service, I was told the order was cancelled. Customer service then transferred me to CitiBank where my credit line was increased to {$4000.00}. I have good-excellent credit, so I was surprised that it was such a meager amount. I called the Home Depot customer service again and the service rep helped me reconstruct my initial order. The customer service representatives were all friendly, polite and knowledgeable. The bottom-line is : the {$4000.00} credit line was not enough to purchase the appliance package that I was trying to purchase and Home Depot does not allow consumers to split payment on appliance purchases. If I put in two orders, I lost the Black Friday savings - totally not acceptable. This is low life corporate scamming. This is corporate bait and switch. Essentially, the offers are set-up to entice consumers into opening a credit line, a small credit line is granted without giving the customer a chance to review the terms. Now I am stuck with a credit pull on a credit line that was useless to me to begin with. I will be reporting to the credit bureaus. Shame on Home Depot and Citibank for their endless greed and trickery with the American people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an auto loan with JP Morgan Chase and I have automatic payments setup with them. I received a notice from the bank that my auto loan is delinquent for the XXXX and XX/XX/2018 installments. I called the bank on XX/XX/2018 and advised that I have automatic payments setup and that my account should not be in default. The representative then explained to me that the bank experienced system issues with automatic payment system which resulted in my XXXX and XXXX payments to not be drafted. I then paid the amounts due by authorizing a phone payment in the amount of {$780.00}. I did not think much of the credit reporting impacts as they advised that they had payment system issues. I thought that since they made the error, that it would not impact my credit. 

My husband and I recently applied to refinance our home. While going through the refinance process, it was brought to my attention that my auto loan reflected a 30 day delinquency in my credit report. I further investigated the matter by pulling my credit report with the 3 credit agencies. XXXX and XXXX did not report any delinquency but showed a lapse in payment for XX/XX/2018. XXXX   reported my XX/XX/2018 payment as 30 days late. I am attaching copies of my credit report, payment transaction history from my checking account and a screen shot of my chase online banking settings confirming that I have automatic payments setup. 

I do not believe that Chase has treated me nor other customers affected by their payment system issue fairly. I also believe that this is an FCRA violation. The bank made an error which resulted in non-payment and reported my account 30 days late. The bank should have done the right thing and ensured that they were proactive and corrected any negative credit reporting that stemmed from their payment system issue. My credit report should not be penalized due to this bank error.
Product: Payday loan, title loan, personal loan, or advance loan

I had my checking account connected to make payments and was making them on time. Suddenly, they disconnected my checking account for no good reason and would not help me get it connected. They would not connect my debit card either. Thus, I had no way to pay them. 

They tried to get me to open a bank account with them, but with the issues I had I did not trust them. Because of them I am now two payments late and have been dinged on my credit reportand they do not care.
Product: Debt collection

I received a message from Patenaude & Felix APC stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.
Product: Credit card or prepaid card

I had previously requested Bank of America to opt out all of my accounts from sharing information with affiliates and from receiving marketing offers, however Bank of America continues to send me marketing materials.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an account on XX/XX/XXXX and was denied but didn't know why since I have never applied for credit. I pulled my credit reports to see what was causing me to be denied and found my dad 's name on my reports along with his addresses. I also found 2 collection accounts that do not belong to me, XXXX XXXXXXXX XXXX XXXX XXXX XXXX account in the amount of {$660.00} appears to have been opened in XXXX at which time I was still a minor and only XXXX XXXX XXXX. Also Account Services ( XXXX XXXX XXXX ) in the amount of {$250.00}, I am not sure when this account was opened. XXXX is listed as an employer that I have never worked for and the last 4 of my SSN is also showing incorrectly. 

I have also filed a report with identitytheft.gov
Product: Mortgage

XX/XX/15 XXXX loan officer XXXX XXXX XXXX XXXX offered VIP dinner tickets to realtors free for referral biz in a XXXX group consisting of 400+ realtors, the value of ticket is about {$80.00} each, and 1 realtor showed interest, this is brazen bribery and RESPA violation And she quoted interest rate for No Income loan program XXXX without APR, this also violated regulation. 

I attach print-screens of her offer and marketing ( in XXXX ).
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Checking or savings account

I only ever had 1 bank and thats XXXX  so I dont understand why I cant open an account
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 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: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES : TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The company I am having problems with is Coinbase. I no longer have access to my account, but I am involved in a legal matter of trying to recover a large amount of money that I was scammed. I used Coinbase to sending payment so my attorney in XXXX says I need to get my Coinbase transaction history to move my case forward. I have tried contacting them in every way possible, but there is no possible way to get hold of anyone or to get a reply. What Coinbase is doing should be considered illegal. I just want my Coinbase transaction records but I don't know how to go about it. 

My email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CFPB, Equifax 's huge data breach exposed our credit account and resulted in our information being exposed to potential theft. While Equifax has offered its " Trusted ID '' account protection services, it has made signing up for this " free service '' virtually impossible. There is a limited time frame within which customers can sign up for this protection ( why is there a wait at all, or a limit on how late we can sign up, when we know our information is exposed? ). When I finally received the alert that I was permitted to sign up for the Trusted ID service, the service signup did not work online. A one-line apology on the website and XXXX number provided to resolve this problem also has also been a dead-end : no one answers or even gives an estimate of wait time. Using other phone numbers on the Equifax website also do n't allow us to talk to a person. There seems to be no way to communicate with Equifax about this. 

This is a joke. Is Equifax unaccountable for this crisis? We can not be assured that there is any protection on our account even though we have confirmation from Equifax that our information is at risk. Our personal information is totally out of our own control. This is OUR personal data. How did this country get to a point where a private company can hold our personal information hostage, and we do not have the right to access and protect this information WHENEVER WE WANT? Being allowed to access only ONE free credit report per year from each of the three credit reporting companies was already unacceptable to many. Now, the situation with Equifax is untenable. With its sub-par communications to customers affected by this data breach and its failure to provide immediate account protections, Equifax shows outrageous incompetence, irresponsibility, and insensitivity.
Product: Student loan

In XX/XX/XXXX, my ex-husband and I consolidated our student loans and I was designated the primary loan holder. In XX/XX/XXXX, I divorced my ex-husband and asked Nelnet, our student loan servicer to separate the loans. I was told that the loans were inseperable and that I was responsible for the the entire amount because the consolidation contract superceded any other legal documents. In XX/XX/XXXX, I applied for dismissal of my student loans based on my XXXX XXXX XXXX XXXX. I was told by the loan servicer at that time that the loans could not be separated, so I would have to file for the entire amount and then be responsible for the taxes on the loans forgiven to the IRS. I recieved a letter showing that the dismissal was granted in the entire amount, pending a three-year watch period. The the following month-XX/XX/XXXX, I started recieving bills for my ex-husband 's portions of the loans. Thus the nightmare began. I have recieved phone calls, letters, and have had my credit ruined by Nelnet because my ex-husband refuses to pay the loans. I have repeatedly asked over the phone what the monetary amount was forgiven, but at that point the caller usually stammers and tells me that they will find out and that I will recieve a letter in the mail -- none have arrived. I have also not recieved the official tax documents that I was told would be forthcoming. Nelnet has also reported an incorrect address to the big three credit report bureaus -- I live in Florida, the new address is for an appartment complex that I lived in from XX/XX/XXXX-XX/XX/XXXX, but the apartment number is incorrect. They have also asked my current husband over the phone to pay my ex-husband 's student loans. I am on Social Security XXXX and can not afford to pay these loans, but I am told that as a co-signed on my ex-husband 's student loans that I have no recourse. I am beyond exasperated with Nelnet.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment with Early Warning Services, which I believe are in clear violation of the Fair Credit Reporting Act ( FCRA ). My ordeal with this service began on Thursday, XX/XX/XXXX, at XXXX XXXX, when I submitted a request for my credit report. It has now been 10 days since that initial request, and I have yet to receive access to the information I am legally entitled to under the FCRA. 

The FCRA clearly stipulates that credit reporting agencies are obligated to provide individuals with their credit file information upon request once a year. I have been diligent in my efforts to obtain this information by repeatedly contacting early warning services. Despite providing proper identification, including a picture of my passport and Texas driver 's license, I have been met with nothing but obstacles and a complete lack of cooperation. 

To make matters worse, early warning services closed my login information without any prior notice or explanation, leaving me unable to reset my password or access my credit report. This action has resulted in an extreme financial burden, as I am now unable to monitor my credit and make informed financial decisions. 

It is abundantly clear that early warning services have not only failed to fulfill their legal obligations under the FCRA but have also caused significant harm to my financial well-being. I demand immediate resolution of this matter and access to my credit report as mandated by the law. Furthermore, I expect a thorough investigation into the mishandling of my request and the breach of my personal information, as this is a serious violation of my rights as a consumer. Failure to address these concerns promptly will leave me with no choice but to seek legal action to rectify this situation.
Product: Credit reporting or other personal consumer reports

Capital one bank is violating my rights by placing information on my credit report that is inaccurate. I have never done any business with any company that is associated with capital one bank and I have never signed any contract with that company either.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL XXXX VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC