23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX was outsourced by SchoolsFirst FCU to pursue DISPUTED DEBTS over 8 years old. The DISPUTED DEBTS are TIME BARRED XXXX DEBTS which can no longer be legally pursued or reported. On XX/XX/21. XXXX XXXX ran a HARD INQUIRY. After speaking with the Collection XXXX of SchoolsFirst, it was mentioned that THE HARD INQUIRY SHOULD HAVE NEVER HAPPENED. I again, demanded that all tradelines be removed under FDCPA and FCRA laws and the response from XXXX, the SchoolsFirst was " these are due to fall off very soon. ", as an attempt to reason with the complaint brought forth. 

XXXX XXXX XXXX is taking advantage of their credit reporting and viewing abilities, in hopes of extracting payments for old XXXX debts, by XXXX consumer 's credit reports, and claiming that the inquiries are for the purposes of location information, even though both creditor and collection agency have accurate information. This is a common practice for smaller debt buyers and/or collection agencies looking to extract funds from consumers who don't understand their consumer rights at the federal and state level. 

They will continue to run your credit report in hopes of driving down your score, 2, 3, 5, even 8 years after the disputed " last date of payment ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information reporting to credit agencies
Product: Checking or savings account

XXXX failure to act on XXXX 's fraud acknowledgment. 

I am filing this complaint against XXXX by Goldman Sachs for their mishandling of a {$3000.00} recovery request related to fraudulent transactions and identity theft, which is jeopardizing my education and financial future. 

In XX/XX/XXXX, {$3000.00} was fraudulently transferred from my XXXX XXXX account to XXXX unauthorized XXXX accounts {$1000.00} to XXXX account and {$2000.00} to another. I reported this identity theft to both XXXX and XXXX. XXXX validated the fraud on XX/XX/XXXX, and confirmed they are waiting for XXXX to submit a recovery request to return the funds. Despite this, XXXX has denied my dispute, incorrectly claiming the transactions were authorized. 

I have contacted XXXX over XXXX times, yet they have failed to submit the recovery request, leaving the funds unrecovered. This delay is severely affecting my education. I am a XXXX University student and rely on a scholarship to attend. Due to this unresolved issue, I had to withdraw from classes in Fall XXXX. If I can not pay my tuition by XX/XX/XXXX, I will lose my scholarship and be forced to pay full tuition, which I can not afford. 

I request XXXX : Submit the recovery request to XXXX immediately. 
Reimburse the {$3000.00} plus interest. 
Acknowledge their mishandling and ensure no further delays. 

XXXX Identity Theft Claim : XXXX XXXX Accounts Where Funds Were Transferred : Account # : XXXX ( ID : XXXX ) Account # : XXXX ( ID : XXXX ) I have attached documentation, including proof of fraud, correspondence with both banks, my scholarship details, proof of enrollment, and my identity theft report. This issue requires immediate resolution due to the XX/XX/XXXX enrollment deadline. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In the following days I couldn't find my card and called Wells Fargo customer service to report my los card.. Date XXXX The case number is XXXX 

Date XXXX  called again customer service tell them to freeze the through the Well Fargo app they had stolen the amount of XXXX XXXXXXXX XXXX  from me had made the purchase of a Clipper chip with my card. claim XXXX
Product: Mortgage

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2005 with an amount of {$550000.00}
Product: Checking or savings account

I have a XXXX yr CD that I've been trying to close with Citibank since XX/XX/XXXX. They claim that the account can't be closed because it is used as security for a loan. I am not aware of any outstanding loan nor do they see any loan in their system. They sent my case to the legal department XXXX weeks ago and still haven't provided an answer. I been in the bank at least XXXX times and have spoken with the branch manager who's name is XXXX XXXX. 

The XXXX yr Cd was renewed in XX/XX/XXXX. I understand that I will be penalized for canceling the CD mid term. The penalty amount is approximately {$93.00}. I also requested that the penalty be reduced since through not fault of my own I did not have access to those funds to invest them as I pleased.
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My rights has been Violated according to consumer law. According to CFRA following these codes. THIS ACCOUNT IS IN LITIGATION. 
5 U.S. CODE 605 15 U.S CODE 6801 15 U.S.C. 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 
The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 
They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 

XXXX ACCOUNT # XXXX Please exclude this account from my consumer report. 

2.XXXX  XXXX Bank Account # XXXX Please exclude this account from my report. 

3. XXXX XXXX Account # XXXX Please exclude this account from my consumer report 4.XXXX XXXX Account # XXXX Please exclude this from my account. 

5.XXXX XXXX Account # XXXX Exclude this from my consumer report. 


XXXX Account # XXXX Exclude this from my consumer report
Product: Debt collection

XXXX of Genesis credit management has contacted me and multiple other people several times after I have asked not to. I 've spoken to her and her supervisor. She has been very rude and unprofessional and was told by her supervisor not to contact me, family members or anyone else again, and she keeps doing it. I 've asked to be mailed any information and to not be in contact with her, and she keeps harassing me and others.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I noticed that my account on Coinbase was compromised. My account was compromised bypassing the two factor authentication systems - I'm not sure how at this time. None of my other credit cards, banking systems, or emails were accessed. No other individuals in my household have access to my account. 
After noticing this problem, I acted quickly. I accessed my account. I changed my password and I submitted a support ticket requesting than my account be disabled due to this problem. I noticed before closing my account that an attempted withdrawl of - {$25000.00} occured, attempting to take the funds out of my bank account. Additonally all of my assets in my wallet had been sold off, other assets had been purchased, and sold again. All of these transactions resulted in massive coinbase fees. 
I did not receive an automated support ticket/email verification/or anything of the sort but my account was disabled. The {$25000.00} request resulted in a NSF return fee of {$23.00} from Coinbase as I did not have the funds present in my bank account. 
After some time, I did not hear from Coinbase through any of their support outlets ( XXXX, XXXX, or their email system. ) They do not have a live customer service so there's no good way to get in touch with them. I attempted all the methods available to me. 
After a week, on XXXX, another attempt to withdraw {$25000.00} from my bank account occured. I believe this came from Coinbase directly as my account was suspended. I again attempted to contact them but have had no luck. 
I have since had to put a hold on my bank account and I have yet to have any luck in getting ahold of Coinbase directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the IRS charged off debt is gross or ordinary income. Income is not get reported on my consumer report. Based on that information the XXXX Bank of America accounts listed are listed inaccurately. I have reached out to Bank of America all XXXX credit bureaus who have not corrected the issue on my consumer report. This is causing me great hardship
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal Debt Collection Practices Illegal Acquisition of Location Information Inaccurately reporting Negative information on Credit Report. ( Defamation of Character ) Refused to validate debt after requesting debt validation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the equifax data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) XXXX XXXX XXXX XXXX  bal {$1600.00}, XXXX XXXXXXXX XXXX bal {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$16000.00}, XXXX XXXX XXXX XXXX {$0.00}. 

Fraudulent Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Monday, XXXX at XXXX, I received a text message from Mnet Financial , a Debt Collector stating they recently sent a letter to me. I am writing to dispute the validity of the alleged debt referenced above this company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide validation of this debt. I demand that you cease all communication with me regarding this matter, as required by law. Furthermore, I would like to bring to your attention Section 605B of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must block the reporting of information that results from identity theft or fraud. As such, it is imperative that you conduct a thorough investigation to ensure that this alleged debt is accurate and that it is not a result of identity theft or fraud. I have not given this company any authorization to contact me or have any of my personal ( non public ) information. Please provide the following information to validate the debt : 1. The original creditor 's name and contact information. 2. A copy of the original signed contract or agreement related to the debt. 3. Verification of the amount of the debt and how it was calculated. 4. Proof that you are licensed to collect debts in my state.
Product: Credit reporting or other personal consumer reports

I was notified by the credit bureaus that a firm was showing up on my credit. They've been there for almost a year now. And they are currently damaging my XXXX XXXX so I went ahead and I disputed it as I dispute it. I requested information from them. They refused, and it's just through all XXXX of the credit bureau directly. I also filed AFT C complaint and sent that over to all XXXX credit reporting agencies as well. I do not own anything from this company called affirm, but they're showing that I owe them money. But then, when I requested documents from them directly from their website and through the credit bureaus. They failed to send me any information in regards to what was purchased. When it was purchased, they failed to show me any kind of billing. Anything like that but then they automatically as soon as I dispute it. It comes back as verified, but they have never verified it. Directly with me, but they continue to damage my credit report. I've tried everything to get them to remove this. Because it's pooing my XXXX XXXX down. I am a victim of identity. Theft, my personal information was also leaked out with about XXXX companies right now. Between XXXX XXXX XXXX XXXX XXXX and XXXX other companies and right now, I'm trying to prevent more fraud being Done to my credit report. But I can not get these people to remove the item. They refuse to verify the item when I had disputed it multiple times but then they want to continue to say that it's verified. So at this point, they're not only violating my rights, the fair credit reporting act, but they also never verify this debt. In order to even post it on to the credit bureaus, I've sent it multiple times to each credit bureau, a copy of the FTC complaint that I had filed. I will also be following a direct complaint with the Attorney General 's office as well. To try to get help removing all of these accounts that are not my accounts and fraudulent activity from being made. Against my credit reporting agencies.
Product: Debt collection

My daughter filled out a lease application for a college apartment. 
XXXX XXXX emailed asking us to fill out a XXXX application. We NEVER completed an application or even responded. XXXX XXXX from XXXX XXXX continued to send us emails. In her email, she stated that My daughter signed a contract but needed several forms in order to move forward with the unit placement. We knew that my daughter was unsure whether she would be living at this location, so we did NOT reply. We did not leave a down payment or deposit. We were sent several emails stating that the lease was incomplete and that they did not have an agreement or proof of income.Also stated, was that it needed to be notarized and completed by XXXX/XXXX/15. We were then notified by a collection agency, ( XXXX ) asking us to pay {$8900.00}. They stated that they had an esignature on the guarantor lease agreement. We asked them to provide us with a copy of this document and proof of esignature. They stated that they would send us this within the next XXXX to XXXX business days. NO DOCUMENTS WERE EVER SENT OR RECEIVED. The next thing I know, we see a collection on my credit report! We contacted XXXX, at the XXXX and she advised us to file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc and hippo violation to XXXX taking more than 30 days
Product: Credit reporting

I have repeatedly been denied access to my free annual credit report by Trans Union. Several calls to multiple Trans Union customer service help lines have not fixed this issue. Trans Union claims that they do not have a record of me when I attempt to obtain my free credit report, both through XXXX and Trans Union 's own website. However, Trans Union is willing to provide me with a credit report and credit score if I submit a payment of {$12.00}. Neither my name nor social security number have ever changed, and my address has remained the same for more than three years, minimum. I received my free annual credit reports from both XXXX and XXXX without incident. My XXXX XXXX credit card account is able to access some aspects of my Trans Union credit report, which indicates that Trans Union has erroneous information about my credit history that is having a detrimental effect on my credit score and status, resulting in financial damages incurred by myself. I need to correct this erroneous information, but I can not do so without a full record of my credit report. I have tried repeatedly to fix this issue with Trans Union over the phone. I have taken all actions requested and correctly answered all questions asked of me. However, Trans Union has refused, either through maliciousness or though incompetence, to provide me with my free annual credit report as required by federal law. I ask that the Bureau of Consumer Financial Protection intervene to both correct this issue on my behalf and to also secure the payment of compensatory and punitive funds from Trans Union as allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original dispute XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX D.O.B XX/XX/XXXX Last Four SS XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
NAMES REPORTED : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX, XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX Original creditor name XXXX XXXX Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ct [ XXXX ar XXXX ] [ XXXX ] XXXX XX/XX/XXXX XXXX XXXX Disputes XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report. Despite previously submitting disputes regarding these issues, the inaccurate entries remain unresolved, and I am requesting immediate correction. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and in light of recent legal actions against XXXX for failure to comply with these regulations, as noted in the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). 

According to the CFPB, XXXX has failed to maintain reasonable procedures to ensure the accuracy of credit report information and has not adequately investigated disputes. I am experiencing a similar issue, as the following items on my credit report are incorrect, and have not been rectified after previous dispute attempts : LOCKHART, MORRIS & MONT Original creditor XXXX XXXX Balance {$7300.00} Balance updated XX/XX/XXXX For each of these items, I have included supporting documentation to validate my claim. These documents XXXX include bank statements, payment records, or letters from creditors verifying that the information reported is incorrect. 

I request the following actions : A thorough re-investigation of the listed entries and removal or correction of the inaccurate information. 
A detailed explanation of the findings from your re-investigation. 
A copy of my updated credit report showing the corrected information. 
Please note, I am entitled to receive a response to this dispute within 30 days, as required under the FCRA. I also expect that your investigation will adhere to the standards set by the CFPB and the FCRA, ensuring that all information provided in my credit report is complete, accurate, and verifiable. 

If this issue is not resolved within the appropriate timeframe, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this dispute. 

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

I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX  XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.