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

Today XX/XX/XXXX, I just received XXXX mails ( attached ) from DISCOVER BANK XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX as a follow up from my complaint. In the mails I received, DISCOVER BANK stated they were going to report my DISCOVER CREDIT CARD account as a disputed account to the Credit Report Bureaus ; this is ABSOLUTELY WRONG. Discover Bank is making it VERY DIFFICULT to fix the problem OF A VICTIM OF IDENTITY THEFT. I mailed a complaint to DISCOVER BANK on XX/XX/XXXX regarding the FRAUDULENT LOAN ACCOUNT opened at DISCOVER BANK using my SOCIAL SECURITY NUMBER, and I filed a complaint with CONSUMER FINANCIAL PROTECTION BUREAU on XX/XX/XXXX ; and my complaint stated that, XXXX OF DISCOVER BANK CUSTOMERS OPENED A LOAN ACCOUNT AT DISCOVER BANK WITH MY SOCIAL SECURITY NUMBER. This DISCOVER BANK customer ( XXXX XXXX XXXX ) is NOT using my name but using my SOCIAL SECURITY NUMBER at DISCOVER BANK for a LOAN ACCOUNT. And for the records, I DO HAVE A DISCOVER CREDIT CARD, AND IT IS DEFINITELY VALID, AND I AM NOT DISPUTING MY DISCOVER CREDIT CARD, contrary to what was stated in the mails I received today from DISCOVER BANK CREDIT BUREAU MANAGEMENT. At this point, it is very unfortunate that DISCOVER BANK has decided to report my DISCOVER CREDIT CARD TO THE CREDIT REPORT BUREAUS as a disputed account for NO REASON, and according to the mails, I received, DISCOVER BANK is making an attempt to collect A DEBT ON MY DISCOVER CREDIT CARD that is NOT DUE not until XX/XX/XXXX. In addition, I've already paid the total amount balance on my DISCOVER CREDIT CARD which is before the DUE date of XX/XX/XXXX which has always been my tradition ever since I've had DISCOVER CREDIT CARD. DISCOVER BANK HAS NOT RESOLVED MY IDENTITY THEFT COMPLAINT. DISCOVER BANK SHOULD REMOVE THE DISPUTE STATUS THEY'VE PLACED ON MY DISCOVER CREDIT CARD AT THE CREDIT REPORTING AGENCIES BECAUSE IT'S INACCURATE AND DEFINITELY INCONSISTENT WITH MY COMPLAINT, BECAUSE I NEVER REPORTED MY DISCOVER CREDIT CARD AS A DISPUTED ACCOUNT.
Product: Credit card or prepaid card

On XX/XX/XXXX I was emailed a receipt in the amount of {$3500.00} from XXXX XXXX. The receipt was in my name. However, I have never purchased anything from XXXX XXXX, and live nowhere near the store where the purchase was made. I contacted the store and was told that they could not help me and that I had to contact XXXX XXXX directly. I contacted XXXX XXXX and was told that I would have to visit the store in person to resolve the matter.
Product: Credit reporting or other personal consumer reports

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
Product: Credit card or prepaid card

The bank have been reduce my credit limit several time and they destroy my credit report and score I have contacted the customer service to the First Bankcard trying to connect with their credit department and the representative negligently act with me telling that the credit department do not talk to the customers. The customer service representative explained that the reason of the bank decreasing my credit limit is because they received from the credit bureau that my credit report was compromise with fraud alert. I mentioned to the representative that I was not aware of such issue with my credit report so he recommend to contact the 3 mayor credit bureau to tell them to stop the fraud alert. I called the 3 mayor credit bureau and I have even download my credit report to see if in reality I have a fraud alert. The 3 mayor credit bureau confirm that I do not have any fraud alert neither a flag on my credit reports and in addition my credit reports do not show any evidence of fraud alerts or flags. This bank have been decreasing the credit limit on the credit card the issue to me causing a huge damage in my credit history. Today I have to cancel my account with them because there is no way that this can be resolve directly with the bank. This bank works against their customers even that I have a clean a diligent credit history with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the accounts that are listed on my credit report was not given permission to share my social security number with anyone and the distributed it without my consent. They all have violated 15 USC 1681, 15 USC 1681 Section 602A, 15 USC 1681 Section 2 of 604A. I have sent all information to both Experienced and XXXX and have not gotten the problems corrected. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX Bank all violated according to the XXXXXXXX XXXX XXXX of 1863, 31 USC 5118, 15 USC 1602g, UCC 3-104, 12 USC 1431 , and 42 USC 408 . All were sent out negotiable instrument from attached statements as well as approved 1099-A payments and all of the companies kept the negotiable instruments as payment but didn't apply it to my account. I sent all companies a copy of my documents with a Conditional Acceptance Letter. I do not owe neither of them because I am not the person of the " all caps '' name. I am the representative of that person and they knowingly sent the information without consulting me. I request the original primossary note, 1099-A, that was filed according 15 USC 1666D , 15 USC 44 , and 12 CFR 1026.17 that is defined in the IRS Publication XXXX. Still have not gotten that and its been since XXXX. Everyone was asked to provide me with proof of claim that the credit agreement was a lawful and enforceable contract signed by both parties giving equal consideration. As well as asking for proof of claim that they had my consent to issue any of my personal trust information to any third party pertaining to valid lawful agreement signed by both parties.
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. 

Account name : XXXX XXXX XXXXXXXXXXXX DEPT OF EDXXXXXXXX XXXX DEPT OF EDXXXXXXXX XXXX DEPT OF EDXXXXXXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX  XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX Account 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

We filed bankruptcy XX/XX/XXXX  XXXX, our mortgage company at the time, was exempt from the bankruptcy.  However the credit bureaus show XXXX was included in the bankruptcy.  We have disputed this XXXX with supporting documentation and it still has not been removed.  Equifax says they need to contact XXXX.  XXXX filed bankruptcy in XX/XX/XXXX also.  We contacted XXXX at XXXX who informed us that they have no information on any accounts in our name or at our address so they could not help us.  Our account was in good standing (not late or missed payments) withXXXX when we filed bankruptcy.  XXXX took over XXXX accounts in XX/XX/XXXX.  We have continued to make our payments on time.  Equifax is saying they need another 30 days to investigate.  The original dispute was to remove this SAME incorrect information. We have not heard anything from XXXX.  Because of problems with their website we had to send the dispute by US mail.  XXXX is the only agency that has corrected the information.XXXX was sent the exact same information. Since filing bankruptcy we have worked diligently to re-establish our credit. We have done all we can and now we   need your help ASAP to get this information corrected. I had no idea that it would be so difficult and take so long when we had proper documentation. You are our last hope.  Thanks in advance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized these inquiries, I am not currently looking for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are ignoring my requests to investigate and remove accounts from my consumer credit reports that were opened fraudulently.
Product: Money transfer, virtual currency, or money service

Summary : 1 ) Coinbase withdrew {$1000.00} worth of Ethereum coin without any notification and despite having remediated a bank transfer issue within requested time frame 2 ) After reporting the issue, Coinbase locked my account and has not responded for 5 days despite multiple email requests. Given the recent crypto currency market crash and the account lock preventing me from selling the crypto coins I have in my account, this has resulted in monetary damages Coinbase Case Number : # XXXX Details : 1 ) Initiated a deposit of {$1000.00} from my bank account to Coinbase Pro 2 ) Within minutes, I received an email from Coinbase that the transaction was cancelled by my bank and that I can re-try again 3 ) Within minutes, I've logged into my Coinbase account which has an additional message that I have 5 days to remediate the issue or Coinbase. I immediately re-initiated the transfer. Coinbase confirmed with an email that the " fund recovery '' was successfully. " We have successfully collected the funds from your recent failed transfer '' 4 ) However I noticed then that Coinbase has already withdrew {$1000.00} in Ethereum coin. Important to note here is that the Eutherum coin was purchased previous and NOT using the deposit from the failed bank transfer. In fact, the {$1000.00} USD in question was actually still untouched in my Coinbase account so if that transfer failed, Coinbase should have debited those {$1000.00}.

5 ) I emailed Coinbase ( there is no phone option ) and Coinbase responded that they've locked my account & requested that I update my password. Once complete I can email them to unlock the account.

6 ) I confirmed that I've completed the instruction and requested my account to be unlocked plus the {$1000.00} in Eutherum coin that was wrongly taken away to be re-deposited. I explained again that it does NOT appear to be a security breach to my account, as it appears to me that Coinbase withdrew the amount as the timestamp of the withdrawal matches with the failed bank transfer. 
7 ) Received an email " Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' 8 ) To date, after 5 days, I have not received an update nor has my account being unlocked despite multiple email requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$5900.00}, XXXX XXXX XXXX Balance : {$11000.00} & XXXX XXXX XXXX Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. US DEPT ED XXXX {$610.00} XXXX XXXX {$15000.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} US DEP ED XXXX {$550.00} US DEPT ED XXXX {$550.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX  XXXX {$170000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not mark as a duplicate. This complaint is intended directly to Equifax. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these accounts without my consent, nor permissible purpose. 

( Please see attachments )
Product: Payday loan, title loan, or personal loan

I have been trying to pay back this company with {$25.00} every 2 weeks because that is all can afford. So far I have paid {$850.00}. This loan was taken out in XXXX. They are saying that I still owe almost {$2000.00} and I believe that I have been paying only interest and extra fees the company has added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an validation of debt letters on XX/XX/2021 to both sallie mae and XXXX. they have yet to send me anything validating the alleged debts.
Product: Credit reporting or other personal consumer reports

This account was never late. During this process in XXXX and XXXX I was XXXX  for XXXX XXXX XXXX. The Nation was just impacted by Covid and several floods in the XXXX of XXXX due to Harvey. We were not able to travel due to the storm and then XXXX happened. I was told that I would not be charged late fees but I was. I was told that an extension would be provided. I spoke with a manager and a representative and was told this issue would be resolved. It has not been. I no longer have an account with this company yet they are still reporting negative information with the credit bureau. This is against the law and I would like this information deleted, please. They are not authorized to report inaccurate information.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( XXXX, XXXX, Equifax ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX never late PRIMARY RESIDENTIAL MO - payment never late I have not received a response from any other the credit agencies.
Product: Credit reporting

I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred XXXX 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX account, and XXXX 30 day lates on my XXXX. I have been working with these XXXX creditors and Experian but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 card or prepaid card

I was charged a late fee of {$41.00} on an amount due of {$41.00}. That is 100 % late fee of minimum payment to a Lowe 's CC. I had to pay it 2 days late. It was actually paid online on the due date but didn't show up until 2 days later.
Product: Checking or savings account

I received a statement for an account I did not open with axos bank. I contacted them and they claimed they closed the account ; however, this bank 's customer service is in a foreign country. I was given the run-around, and they have no fraud department to report fraudulent accounts to. They said this is an online bank, and I never participated in having my assets with an institution where I could not go speak physically with someone. I have no inquiries in my credit report that would coincide with axos bank.
Product: Credit reporting or other personal consumer reports

I have attempted multiple times to get this account removed from my credit report. The consumer reporting agencies are not properly investigating or validating this account. I did not give consent to this company or the consumer reporting agency to publish anything on my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Student loan

My name ( attachments are the account history & correspondence letters ) I have a complaint against this company ( Navient ) regarding a 90 day forbearance that was applied XXXX XXXX. I received a disaster relief forbearance and still was penalized for non-payment for XXXX I was told by the representative my payment would begin in XXXX. I received a letter XX/XX/XXXX stating payment due {$320.00} for due date XX/XX/XXXX. 
Past due notice with interest of {$230.00} dated XX/XX/XXXX with a notice of {$650.00} due XX/XX/XXXX. So from the statement I have been penalized for XXXX & XXXX. 
This was listed in the letter that I received XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX PA XXXX-XXXX  Navient.com Because the borrower of the above referenced loan resides in a county or jurisdiction that has been designated as a disaster area, we have applied an administrative forbearance on the loan postponing the next payment due. You don't need to make a loan payment until after the forbearance ends.
Product: Credit reporting or other personal consumer reports

XXXX is reporting two accounts that are a direct violation of FCRA section 611 Procedure in Case Disputed accuracy account XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I had a XXXX month membership to XXXX XXXX  that I used in XXXX, 2021. In XXXX I tried to book an appointment with the masseus that I had before and she was out sick ; I said I would cancel my membership and they said I could not. I have written letters to the credit card company to no avail. XXXX XXXX finally agreed to cancel most of the membership with the exception of XXXX, 2021. I have called and sent letters to the Credit card company- they are to blame ; they are now charging me {XXXX  plua interest and penalties and late charges. I paid the XXXX} because the credit card company sent my name to XXXX. I canceled my credit card.
Product: Credit reporting or other personal consumer reports

I am not liable for the debt of {$630.00} with Spring Oaks capital LLC. I never signed a contract with Spring oaks capital LLC. Please provide me with the purchase agreement and signature of this debt. 
Additionally, I dispute the validity of this debt. I request verification of the debt as required by 15 U.S. Code 1692g, which mandates that debt collectors provide verification of the debt wher requested by the consumer. Please provide me with the necessary documentation proving the legitimacy of the alleged debt, including : The amount of the debt ; The name of the original creditor ; A copy of the original agreement or contract that created the obligation. If you can not support all 3 I would like this deleted from my credit report
Product: Debt collection

My information is was used for some sort of membership from XXXX XXXX  XXXX XXXX  that resulted in it going to Collections after I realized it was being charged into my bank account and replaced my card with my bank. XX/XX/2020 this company sold the debt to Midwest Recovery Systems which is now reporting on my XXXX  credit report in error. Ive had an issue with false credit cards and inquires on my credit that I was able to resolve with multiple issues other credit companies in the past, as well as a false XXXX account in my name with the XXXX XXXX XXXX XXXX which I can provide documentation for proving identity theft. I would like this resolved as it is a result of identity theft and it is dramatically impacting my credit and affecting my financial health in this pandemic.
Product: Debt collection

Since the end of XXXX I have been disputing Source Receivables MNGMN for a false debt they claim I owe with the original debtor being XXXX. I have zero knowledge of this account and have never had any business or account with this company. The account was opened with a false address that has been proven fraud and removed from my account and the collection should be removed as well as it identify theft. Attached is a copy of the identity theft report I filled. I request that immediate action be taken and this fraud collection be removed from me credit reports immediately.