23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : DISCOVERBANK  XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$820.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I was not approved for a transaction I was purchasing with my credit card one day last summer, and when I called the bank they stated the account was on hold for a bankruptcy. I then went to get my credit report from online and saw a bankruptcy and judgement that I have no knowledge of whatsoever. I then went to file a police report, I sent documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. The reporting agencies are not following lawful procedure. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. This item did not occur as presented. Please contact the government agency that is reporting it to verify the detatils, if you do not remove it from my records provide me with written proof of every detail shown in your entry. This is some information I have requested from this credit reporting agency, and I 've yet to received any correspondence about the fraud to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Product: Credit card or prepaid card

After trying to talk to a person at the bank several times I got transferred from department to department for over an hour I was told to email them at XXXX which I did on XXXX XXXX XXXX  about getting help with reducing my credit card debt through the Hardship Program. I explained to them that my husband suffers from XXXX XXXX, had his XXXX removed and now has XXXX XXXX XXXX. He was hospitalized with XXXX XXXX XXXX and was on XXXX from work for eight months due to XXXX XXXX  treatments and XXXX XXXX. When my husband went back to work he could only work 20 hours per week due to health and mobility issues ( prior XXXX XXXX XXXX ). I did sent another email and asked them to please reply. To date I have received no reply from them. Due to a prior complaint through your agency about non-disclosure on a variable interest rate on our Heloc loan we are having trouble paying both the credit card and the Heloc loan. We have been a bank customer at Citizens for over 30 years so a solution to this problem would be appreciated. Thank you. 

XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXXBANK/XXXX  XXXX, XXXX  XXXX BANK XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
CCS COLLECTIONS ( Original Creditor : XXXX XXXX XXXX  ) has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Debt collection

Although I have been contacted in a repetitive manner by phone regarding this debt on the dates and times listed XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST My written request for debt validation has gone unanswered by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA XXXX with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Checking or savings account

XXXX issued a credit for 2 airline tickets to XXXX in XXXX of XXXX. The trip was to occur between XXXX XXXX of XXXX and was cancelled. Instead of receiving my money back XXXX issued a credit. XXXX will not honor my credit because the airline XXXX went bankrupt. Wells Fargo asked me to dispute with XXXX and XXXX is saying to dispute with my bank. No one is giving me my money back. Wells Fargo should approve my dispute and make an exception on this case as Covid was the reason for cancellation and was beyond my control, I never received the goods or services for the flights and Wells Fargo should be responsible for giving me my money back and dispute the transaction with XXXX.
Product: Debt collection

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX XXXX an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : CCB/ALPCOS Account XXXX Balance updated XX/XX/XXXX Credit limit {$8500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$0.00} Highest balance {$7200.00} Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE 1000 ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. 

Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # U XXXX XXXX XXXX Has Violated My Rights XXXX XXXX XXXX XXXX XXXX XXXX States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested freeze to be removed since XXXX XXXX, XXXX. I have spoken with multiple representatives and supervisors to no avail. The online system has said that my freeze status is unavailable for weeks. I do not have access to maintain my online account due to this issue. By law, reports are supposed to be easily accessible.
Product: Vehicle loan or lease

Ally Auto. In the beginning I had problems with calls about other clients because their last name was like mine XXXX. It hot so bad the gentleman got mad because of the questions I was asking because I felt they were cheating me and there has to be an American and Foreign company. I get calls about stuff anyone that can bring up my account should see. I was even told that I had 2 accounts. When I argued that, the next morning my car was repossessed and it cost me over {$3000.00} to get it muddy..items..money stolen..flat tire. There was {$400.00} plus dollars applied to my account towards interest because the didn't expect it. Well I didn't send it. Then it was from a claim against Ally payout. Lie..now my bank account is being over drawn because they told me in XXXX that my Catchup Plan was canceled because the payment of {$630.00} was returned. I called rep told me that the payment was taken in XXXX because there wasn't enough time between XX/XX/XXXX to XXXXXXXX XXXXto stop the withdrawal..Lie. For the last 3 months they have been overdrafting my account... calling me. I caed back for XXXXonce I started telling XXXX what was going on he hung up on me. No call back yet. If you look on their Messenger page I have sent multiple messages, all they say we passed it on. Yesterday a female from the Foreign company called asking me for {$900.00} I let her have it. At 1st it was {$1500.00} .I paid {$500.00} on XX/XX/XXXX after they took {$630.00} on XXXX XXXXthen they turned around and took another {$630.00} on XX/XX/XXXX. I'm a 100 % XXXX, unemployable retired XXXX veteran. I only get what the government sends me. Ally has no integrity. Those employed lie on both ends. I have the full name, extention, date and time she told me there wasn't enough time to stop the withdrawal for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS SHOWING INACCURATE MISLEADING FRAUDALENT INFORMATION ON MY CREDIT REPORT THAT THEY WILL NOT REMOVE. STUDENT LOANS FOR XXXX  THAT WERE NEVER LATE, AND XXXX UNIVERSITY THAT THEY DONT HAVE ANY KNOWLEDGE OF.
Product: Checking or savings account

XX/XX/XXXX I received an email from Chime Bank saying that my account had been in review and that i should review the Chime Deposit Account Agreement. i read it but i was never told of what i had done wrong just that my account was closed. I emailed Chime about my social security XXXX check that was coming direct deposit. It has come direct deposit since i opened my account in XXXX with Chime Bank. They emailed me back stating that i had no refund coming. My XXXX check was there so i called social security 's XXXX location to ask if they could hold my entire check and keep it. Thats when I was told my check was indeed deposited into Chime Bank but it wasnt on XX/XX/XXXX it was on XX/XX/XXXX. Why was my check deposited to a closed account? Why didnt the bank return it to SSI cause my account was closed? Chime has never answered that question so i proceeded to email chime daily to try to change thier mind to keep my change of about XXXX dollars. ive told them i read the disclosure but i dont understand what i did wrong? my XXXX check has come direct deposit the same way everytime as far as I know. the emails i got became very frustrating. everyone were signed by a different staff member and every one gave me a diiferent thing to send them in hopes of them releasing my refund. i asked several times could someone please call me. i was told someone would be finishing up and would be following up with me. that never happened. i feel like every person was trying to help and they read what i emailed but they thought they could fix things for me when they couldnt not one of my emails came from the same team member. it was very concerning that perhaps it was a mean game. im XXXX in not a fun way. i have XXXX and XXXX bad. im XXXX and have a very hard time understanding what people think is simple. my account is a debit account only no checks with a Chime account so i didnt have much to pay. i asked for an itemized list of charges that they are charging me for closing my checking and savings accounts. i get nothing no explanation. As of XX/XX/XXXX my account remains closed and took away my access to look at my account thru the chime app. They also blocked my phone so i can only ask about being a new customer. XX/XX/XXXX Chime took my XXXX check an told me im not getting any refund. Thats my only source of income so I dont get to pay my bills or eat anything.
Product: Credit card or prepaid card

RE : Dispute Case Number : XXXX. 
Merchant Name : XXXX XXXX XXXX Dispute Amount : {$1700.00} Discover Representative from Dispute Department assured me if I was able to upload letter from Expert showing that XXXX Chair I received is *not* real leather then I would " get my money back from Discover ''. I followed the instructions yet Discover did not provide me a refund nor any fair resolution to the dispute process. Attached are Fascismile and electronic communications to Discover that were ignored by Discover.
Product: Mortgage

XXXX XXXX XXXX, the decedent, has a mortgage loan with XXXX XXXX XXXX XXXX. The house is titled in the name of her trust. I am the acting trustee and also the person named on the will as the executor. I have been paying the monthly mortgage out of my business account and billing the client trust account for repayment. Meanwhile, the checks are being cashed, but not being applied to the loan. The bank is continuing to send delinquent notices and refuses to tell me what they are doing with the checks that are being cashed. 

They are refusing to give me any answers until they have all of the IDs of the successors in interest of the property, ie the beneficiaries. I am the representative of those successors in interest as the trustee of the trust. The credit union is refusing to work with me and provide me with information on the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Money transfer, virtual currency, or money service

I recently joined a Coinbase program called XXXX, for XXXX XXXX XXXX. I joined this program based on the recommendation of XXXX XXXX XXXX, an expert in this field and a corporate officer if Coinbase. I am an account holder and stockholder of Coinbase. 

I was advised to reserve some special programming ( a bot ) to move from one level to the next within the XXXX. I had done so on two previous occasions. At the time of this writing I have approximately {$63000.00} invested in the XXXX XXXX tier of this program. 

I was further advised that the higher level of investment, the longer the lead time required to secure this bot. I gave myself two weeks. 

Two unfortunate things happened : 1. The bot was expected to arrive within days, not weeks as was previously advised by XXXX XXXX. 
2. The funding I expected was no longer available. 

I immediately moved to cancel the reservation. Only then was I informed that was not possible. I was advised that the smart contract for the software was non-cancelable. After some text exchanges with the parties involved, Customer Service and XXXX XXXX herself, I was then informed if I could not produce the funding for the next tier, XXXX to XXXX, I would be considered in breach of contract. 

At that time I asked for a copy of this contract to which they referred. I have since discovered this agreement I was supposed to have violated has never been published, much les referred to. 

The threatened penalty could be {$7500.00}. I was never informed this was even possible. Coinbase allowed me to make this reservation knowing I did not have the capital at the time of making the reservation, No disclosure, no prior notice, nothing. 

Coinbase refuses any compromise, and XXXX XXXX has referred to me in extremly unflattering terms. 

Please advice possible protections and courses of action available to me. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit card or prepaid card

MACY ' IS USING PAST INFORMATION WHICH DOES NOT ADDRESS ONGOING DAMAGE TO CREDIT BY MACY ' FAILURE TO TAKE CORRECTIVE ACTION THE ONUS IS ON MACY ' TO ACCEPT NEGLIGENCE & NOT TO BLAME CONSUMER BY INCORRECTLY PROCESSING OR CLAIMING TO HAVE PROCESS CREDIT CARD CONSUMER WENT TO EXTREME EFFORTS TO GO TO MACY ' FACILITIES ON MUTLIPLE OCCASIONS TO HELP MACY 'S NOT NOLY CORRECT PROBLEM ( S ) BUT TO ENSURE THAT MACY ' WOULD NOT BE HARM IF CARD ENDED UP IN WRONG HANDS.

THIS OF COURSE IS BASED ON THE CLAIM THAT MACY ' SENT THE CARD TO BEGIN WITH SUBMITTING AN OUTDATED LETTER FROM XXXX 2021 THAT DOES NOT ACCEPT LOGICAL ONUS FOR THE ERRORS THAT HAS CAUSED THE CONSUMER GREAT STRESS MUST BE REDRESS PRIOR TO FILING WITH XXXX XXXX XXXX ( SEE XXXX VS. XXXX XXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I'm requesting that Experian delete all personal information such as inaccurate addresses and Names except for what I have provided. My credit report should only have one Name and delete address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My address is listed below and I have attached a utility bill confirming this is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX , Receivable Solutions Inc XXXX XXXX XXXX XXXX XXXX  Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Navy Federal Credit XXXX has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose