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

A few months ago I opened a Coinbase account under my email address XXXX. When I opened the account I was required to complete identity verification which included uploading my photo ID and a selfie and providing my personal identifiers like my social security number and date of birth. I successfully completed each task to open my account and my account was fully opened and I am told every time that I login that " I'm ready to now buy cryptp ''. Although I have attempted to purchase crytpo I can not because the feature to buy currency is disabled on my account and when I try I get an error telling me buys are disabled and that I will hear back from them in three days. I have been receiving the message saying I will hear back from them in three days for over a month now. I will upload my photo ID here in the portal for further verification.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I do not know these people. They have obtained my information without my knowledge, my consent, or authorization, with intent to gain. The Federal Trade Commission classifies this as identity theft.
Product: Debt collection

I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : AMEX Open account with account # XXXX and or card number XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 

This account is incorrectly being reported as a charged off account with a balance due. I requested American express to provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. In addition I requested a debt validation letter. 

According to the Fair Credit Reporting Act 15USC 1681 section 602 a states. There is a need to ensure that consumer reporting agencies exercise grave responsibilities, fairness, impartiality, and respect for consumer right privacy. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) agency shall ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. 

BE INFORMED : Any actor, agent, or fiduciary who delays restricts, or otherwise prohibits the movement of this Negotiable Debt Instrument in its lawful progression destined to or for the Holder in Due Course, Secured Party, or claimant must show cause why a contempt charge should not be issued against him/her in his/her/their true character, or suffer the consequences of said action or lack of action.

American Express has been informed I have found several violations with fraud. in writing. Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a " Statement of Credit Denial, Termination or Change '' from Amerisave Mortgage Corporation in XX/XX/year>. This is apparently in response to my on line rate quote requested in XXXX of 2024. Apparently, I was assigned a loan number referenced on the denial which was dated XXXX XXXX, 2024. However, I DID NOT apply nor consent to allow my credit to be reviewed. I contacted Amerisave via phone XX/XX/year> and was referred to their compliance department which I have courtesy copied this complaint. The notice issued by Amerisave was NOT in compliance with Fair Credit Reporting Act in that NO APPLICATION was every submitted, merely a rate quote request AND the untimely issuance of such notification was clearly not in compliance with the 30 specified response time as required by the statute. Thank you in advance for your consideration.
Product: Debt collection

On or about XX/XX/2021 Portfolio Recovery Associates LLC apparently purchased my debt from XXXX  XXXX. This company has attained my personal information without my written consent which is a violation of 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Experian a certified letter to correct a few inaccuracies in their credit reporting. 
The FTC enforces your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide. 

They are reporting FOUR of my accounts inaccurately. They sent me a generic computer generated response, " this is verified by the creditor '' However I am NOT disputing the account I am disputing how they are reporting the PAYMENT STATUS on each of these accounts.

The payment status is to reflect the current status of the account which all 4 of these accounts are current. They are reporting as follows : XXXXXXXX XXXX XXXX XXXXXXXX '' was past due 30 days '' XXXX  XXXX '' was past due 30 days '' XXXX XXXX " was past due 150 days '' XXXX XXXX  '' -was past due 30 days two times '' All 4 of these accounts are current and they need to be CORRECTED to CURRENT or PAID.

I hope that Experian can actually read and investigate the issue that they are reporting inaccurately and get these corrected immediately. This is harming my credit and if not corrected I will exercise my legal rights for their blatant disregard for following guidelines. 

I've included a copy of all 4 accounts credit bureau with the error highlighted and the letter I sent them last month.
Product: Payday loan, title loan, personal loan, or advance loan

Got the loan for {$400.00} on XX/XX/year>24. The loan was effective as of XX/XX/scrub>/24. Starting making payments of {$120.00} on XX/XX/year>24. Pushed XXXX or XXXX payments back due to the financial struggle of paying. My balance as of today is {$440.00} even after the payments I did make. How is the balance higher now? How is the balance higher than the loan amount itself? I dont understand and feel as though I am being taken advantage of and this is my money!
Product: Money transfer, virtual currency, or money service

Initiated a {$15000.00} ACH transfer to Coinbase on XX/XX/2024, but faced delays in reversal beyond initial promises ( XX/XX/XXXX to XXXX XXXX ). Efforts to escalate to a supervisor were ignored, impacting financial stability and trust. Case # XXXX
Product: Mortgage

I filed in 2013 for a modification of my mortgage loan with XXXX XXXX XXXX XXXX XXXX. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from XXXX of XXXX branches. Thus, I sought help from XXXX Holder and now XXXX, CFPB and XXXX XXXX XXXX XXXX. The most recent was information showing on the deed that this loan is invalid. I sent a complaint also on XXXX XXXX XXXX union. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. XXXX knowingly deceived me by continuing to send letters stating they needed more time to research the matter. They then sold my loan to Carrington Mortgage Service, Llc. I notified Carrington of the dispute and supplied them with the deed and copy of the certified Lien release. In working with XXXX XXXX, they are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against XXXX XXXX XXXX for not releasing and invalid loan and making a sale to Carrington while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them XXXX XXXX XXXX XXXX, which is wire fraud and Carrington for going forth after I notified them. Also now that Carrington own the invalid loan, not giving me the lien release I requested. See case numbers Cfpb XXXX XXXX
Product: Mortgage

This is additional information supporting complaint XXXX. 

XXXX claimed last week that my account had been rectified, but the numbers are not adding up. Since XXXX assumed my account for servicing on XXXX XXXX, the following big picture transactions have occurred : - Payments = {$43000.00} - Draws = {$23000.00} - Interest = {$5000.00} ( XXXX & XXXX only, I paid XXXX prior to transfer ) - The balance that was transferred to XXXX was {>= $1,000,000} - My current balance as of XXXX XXXX should be {>= $1,000,000} - TIAAXXXX shows my current balance as {>= $1,000,000} - There is {$4100.00} missing from my account, which coincidentally is the same amount as my XXXX statement payment amount due for XXXX XXXX. 

I still do not have an XXXX or XXXX statement from XXXX. I have provided a complete transaction history from today, as well as my XXXX statement showing the payment amount for XXXX XXXX. The transaction history is difficult to decipher, but I believe I Identified the errors, and highlighted them in red. I provided this information to XXXX last week, and have heard only silence in response.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX , TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX , XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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

Text message spam from Shepherd Outsourcing on behalf of XXXX XXXX XXXX regarding XXXX XXXX debt collection. Text message was from XXXX, but repeated instructions to contact XXXX were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under on open end consumer credit plan as late for purpose.
Product: Credit reporting 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 XXXX XXXX XXXXXXXX has violated my rights. 


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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report.
Product: Mortgage

In XXXX I refinanced my mortgage loan with TCF Bank. In XXXX TCF sold my loan to XXXX ( XXXX XXXX XXXX ). When I received loan documents from XXXX  a ( redacted ) trust affiliated with XXXX XXXX  was listed as lien holder. After TCF Bank sold loan XXXX or XXXX changed my monthly payment. They also changed my loan from non-escrow to escrow. On XX/XX/2020 I requested original loan documents from TCF Bank and was told they were sent to XXXX.
Product: Credit reporting or other personal consumer reports

Despite submitting thorough documentation and following the prescribed procedures, it is very concerning that the problem remains unresolved. This ongoing issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to manage such matters effectively and competently. It is unacceptable that, despite multiple attempts, the late open account issue remains unaddressed, calling into question the reliability and accuracy of your record-keeping processes. I urge you to prioritize this matter with the highest urgency and take immediate action to correct the late open account entry on my record. Additionally, I expect to be kept informed of the progress in resolving this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. Therefore, I am requesting your assistance to correct this account in my credit file : XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Despite fulfilling all requirements, TransUnion FAILED to block a fraudulent late payment associated with an auto loan account ( Account Number : XXXX ) within the four-business-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) 605B. Instead, TransUnion informed me that the account was " verified '' without disclosing the sources or evidence used to substantiate this verification. ( Attached is Proof of Failure to Block and Lack of Evidence ) Specifically, I am reporting a fraudulent late payment associated with an auto loan account ( Account Number : XXXX ) opened at XXXX XXXX on XX/XX/year>. This fraudulent late payment, reported as occurring in XX/XX/year>, has caused a delinquency on my consumer FICO credit report. Along with my dispute, I provided all required documentation, including : A valid identity theft affidavit Proof of address A copy of my government-issued identification I've attached a prior CFPB complaint ( XXXX ) as proof of my attempt to resolve the fraudulent account. When I called TransUnion and spoke with supervisors, I was informed that a manual block would not be performed because the account was allegedly " ineligible '' for such action due to their " policy. '' This reasoning is not aligned with the requirements under FCRA 605B. I am now resubmitting the documents in an effort to have the fraudulent account removed within four days. Under 605B of the FCRA, credit reporting agencies must block information identified as resulting from identity theft within four business days of receiving valid documentation. 

TransUnion 's failure to meet this legal obligation constitutes a violation of federal law. TransUnion has not provided sufficient evidence or transparency regarding its claim that the disputed late payment was concluded with " NO CHANGE NEEDED. '' Under 611 of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation and provide consumers with detailed information about their findings, including the entities or furnishers relied upon.
Product: Payday loan, title loan, or personal loan

Wells Fargo failed to review information as provided regarding a personal loan. When challenged, under-writers within the company made sure the re-review was 'in-house ' to prevent a correction in the decision. This is a part of a bigger and known problem with Wells Fargo and their unfair lending practices.
Product: Vehicle loan or lease

I leased a vehicle through Ally Financial, made all the required lease payments and turned in the car two months early, fulfilling my lease obligation. I then receive a letter from All saying I owe {$38000.00} as a " Gross Early Termination Amount '' so I immediately called them. Ally stated this letter was the standard/generic letter that goes out when a customer returns a vehicle and not to worry. I called a month later to follow-up on my final billing. Ally is telling me they ca n't issue a final billing until the car has been sold at auction. I have extensive experience with leasing vehicles, however always with XXXX XXXX XXXX who treats their customers like gold, and never with Ally. This policy of Ally 's seems to be illegal and I will never use them again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXXXXXXXXXX XXXX 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.
Product: Debt collection

I had an auto insurance policy with XXXX XXXX that was renewed in XX/XX/year>. Due to fraud on the bank account on file, the automatic payment for the auto renewal payment was disrupted. It was, however, resubmitted and the account was at XXXX by XX/XX/year>. However, there was a charge sent to collections ( CCS ) due to the initial payment disruption. In XXXX, the collections agency and XXXX XXXX reported to me that the account was up to date and there was no balance owed. However, I received more harassment from collections agency about this same payment being owed in XX/XX/year>. After going back and fourth with XXXX XXXX and the collections agency, I asked to settle the debt and paid XXXX in FULL on XX/XX/year>. I asked for a receipt for payment to be sent to my email and text message, which they did not send. The delinquency is still on my credit report and the dispute is being denied
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Several fraudulently items reported on the credit profiles. Were not properly investigated and were verified by the company that attempted to collect on debts known to be a product of identity theft. They failed to authenticate the rightful owners of these fraudulent accounts. There was no investigation performed.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX  .I recieved a call from a customer service rep stating her name is XXXX on XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX the company name is Oliphant XXXX  XXXX XXXX She stated she was calling about a debt owed. I told her to cease and desist calling me. I ask her to send me a debt validation to the address she has on file Within 30 days per the fair debt collection practices. I waited for 2 months i got no response. I sent them a certified mail on XX/XX/XXXX Requesting a debt validation which includes What State the money was owed in, determination of the sum, provision of copies of agreement bearing my signature to pay the same, proof of licensure to collect debt in NY a valid legible copy of the agreement stating the debt and interest charges within 30 days and that they are responsible to collect per the fair debt collection practices act ( 15USC 1692g Sec.809 ( B ) i never hear from them .Today i got a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  me for my Date of birth and Address in regards to this debt this is also on my Trans union credit report XXXX I need your help in this matter.