23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

m filing this report because I applied for aXX/XX/XXXXcredit card a few weeks ago and was not approved now today XX/XX/20 I received a letter in the mail stating that the reason I was not approved was because of an account in negative standing on my credit report. I didn't know what account they were referring to so I looked through my credit report and I was an account from a company called XXXX XXXX XXXX for an amount of {$130.00} in negative standing on my report. This account is not mine ; I never opened that account and I did not allow anyone to open it on my behalf. I did not benefit anything from that account such as money, goods, services or any other benefit nor did I ever make payments towards that account. I do not have any sort of written/verbal contract with that company and I have never given them permission to access my credit file. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.
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 for XXXX XXXX Account XXXX XXXX XXXX XXXX for XXXX XXXX XXXX has violated my rights. Sharing my old phone numbers and addresses 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/ about a reinvestigation I gave them 15 days to provide proof of The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with, The Valid documentation used to validate the dispute, Also, the procedures your company has in place to ensure each account is 100 % correct which they never provided anything. So XX/XX/ I sent a letter of all the violations they did to me. So I demand they delete and fix the accounts I told them to.
Product: Checking or savings account

On XX/XX/year>, I attempted to withdraw cash from my SoFi checking account, using my ATM card, at three separate ATMs in XXXX. The transaction was declined at all 3 ATMs, even though I had more than sufficient funds in my checking account. 

I contacted SoFi 's customer service via the " chat '' function on their website and asked the agent why my card had been declined at the ATM. The agent informed me : " it appears here that the transactions are being blocked by SoFi. Unfortunately, there is nothing else I can do in that regard. I do apologize for the inconvenience. '' I asked to speak with someone who could assist, and then agent told me " there is nobody that can assist with this matter. '' I informed the agent that SoFi 's website states : " You can use your SoFi Money Debit Card in over XXXX countries around the world including, XXXX, XXXX, XXXX, XXXX, and the XXXX XXXX, for purchases and ATM withdrawals wherever XXXX is accepted. The funds will be withdrawn in the currency of the country where you made the purchase or ATM withdrawal. You no longer need to notify us when traveling internationally. We made changes to ensure your purchases will not be interrupted. '' The agent responded : " I do apologize for the misinformation, but there are certain countries that are not allowed. '' When I followed up to ask if I could use the card in XXXX, I was told, " the transactions in that country will be blocked as well. '' I asked the agent to please inform me how to access my cash, and he said, " You can access it in a country that is not blocked. '' As a result, I am traveling in XXXX and XXXX with no way to withdraw any cash, and with no warning from SoFi, as their website failed to advise that ATM withdrawals are not " blocked '' in those countries, and in fact specifically stated that there is no need to notify SoFi when traveling internationally and that purchases would not be interrupted.
Product: Debt collection

Hello, Im shocked, surprised, XXXX  out both XXXX  and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Experian Credit Published as Company Info : XXXX XXXX XXXXXXXXXXXX XXXX Card No - XXXX XXXX. Past Due- {$490.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX XXXX XXXXXXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 
15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

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

I have sent numerous request to Barclays Bank Deleware via Certified mail with return receipt, Requesting proper validation of this debt they claim. each time the company ignored my request and sent the same computer generated letters with itemized bill ect.. I shared the FTC option letter with itemized bills with them.
They have not provided me with any documentation bearing my signature, Showing any type of agreement or contract between myself and the party.
I have called this company onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Each time I requested information/ Documentation bearing my signature showing that I owe them money and that the account belonged to me, They refused each time, I was told they could not honor my request.
I sent them the first letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the second letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the third letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the last letter dated XX/XX/XXXX, They singed for it onXX/XX/XXXX After each letter they did not actually mark my credit reports as " Disputed '', They marked them as " Investigation complete, consumer does not agree '' They also Deleted the account off my consumer credit reports and then added them back on the reports causing my scores to drop 20pts each time.
I feel that I have gave them ample enough time to resolve this issue and send me the documents bearing my signature, showing that I have an obligation on this alleged account.
This company has also reported to the Consumer credit reporting agencies, Wrong names and Address that I have never had, claiming them to be mine, In which the Consumer credit reporting agencies will not correct the error with name or address because it is connected to this account.
The responses I seem to get repeatedly is : " We completed our investigation and confirm your account is being reported accurately ''. I have not seen any proof that this is being reported accurately as of yet. They have failed to prove any of the information I have requested.
This company sent me a computer generated paper that they claim is the application I filled out for this alleged account, after looking at it, it does not have any part of my social security number on it to identify me, It has an incorrect last name and e-mail address that I have never owned. and an address I have never had, lived at or had anything to do with in a city I have never lived in. The mothers maiden name is incorrect ( NOT MY MOTHERS MAIDEN NAME ) This is claiming that I applied online, At that time I did not use the internet, I did not use computers and I was living at my current address, where I have lived for the last 25 years.
In some of the correspondence from this company they have referenced my " XXXX Account '' I have no idea what that is.
I have attached all correspondence from me and this company to this report.
Product: Money transfer, virtual currency, or money service

I have a coinbase wallet with ALL XXXX security gaurds as recommended by COINBASE in place. Last Year around XXXX I had about $ XXXX XXXX in it. They sent me emails and txt message saying I owe taxes to IRS which the company XXXX would pay on my behalf to IRS. I recognized that as false claim and did not deposit further XXXX in the wallet as they instructed to do by them. 
Within XXXX week of all of the monies was taken out of my wallet without my permission. 
I employed XXXX XXXX and they did a crypto trace and found a lot of my assests were sitting with XXXX - wrote to them and they did not respond to my request to return my money and shut down account of the scammers PLEASE NOTE I AM SENIOR AND THESE FUNDS WERE BASICALLY FROM MY SAVINGS FROM XXXX  YEARS OF WORKING IN IRA WHICH I ENTRUSTED WITH COINBASE! 
PLEASE SEE ATTACHED LETTER FOR DETAILS OF THE FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$170.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment 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 XXXXXXXX Personal Information : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX
Product: Mortgage

I believe that, as a XXXX XXXX I was taken advantage of, and given a forbearance second mortgage instead of a refinance to lower my interest rate as was discussed with the XXXX  XXXX  representatives to help XXXX  fill out the paperwork for the Obama HARP program. I began with this complaint process over the telephone, complaint XXXX XXXXXXXX, and was instructed to create an account to upload my payment history and modification documents. I was not in arrears at the time they gave me a forbearance instead of a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has and continues to report negatively on my credit. I have disputed this issue far too many times and XXXX XXXX still refuses to address the issue and as well XXXX fails to remove it off the report even though the other two bureaus have. 

Additionally, XXXX XXXX has officially close their doors and XXXX is the new owner of XXXX. I have been in contact with XXXX and they are not able to find the account and the Department of Education has still proven that the loans are 100 % discharged. If XXXX is no longer and business and XXXX can not find the account, it must be removed off the credit report as the loan does not exist and on the basis, they have been discharged. 

This is a final notice for the removal of the accounts from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by Midlandcre in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022. 
I challenge the accuracy, compliance and reportability of this listing.
Product: Vehicle loan or lease

I paid off my vehicle through Strategic Automotive Services in XXXX of XXXX and my account still showed open over 6+months after paying off the vehicle. I called them multiple times to get the account closed. Instead of closing the account they completely took it off my credit and blamed XXXX, and said they had taken it off my credit, not them
Product: Credit card or prepaid card

I am seeking resolution to a disputed fraud charge on my credit card while on vacation in XXXX in the amount of {$250.00} from a retailer named XXXX XXXX XXXX. I notified Chase as soon as I saw the unrecognized charge on my statement closed out my card for safety and was sent a new card. On first review, I was told the charge was valid because the " chip '' was used and because there were valid charges before and after. I appealed the decision. 

Upon appeal, Chase is maintaining that because the card was used for valid transactions before and after that there is no way the charge could be fraudulent. I explained that I do not check my charges until I review my statement and that I alerted them as soon as possible. Chase stated that so long as the physical card/chip was used that there is no way it could be fraud. I asked, if I hand my card over to a retailer to pay for a bill at a restaurant, or to the gas station attendant and they decide charge me without me knowing, how is that not fraud. Chase maintains that it could not be fraud and so long as I hand my card over ( which is a normal part of paying for items ) that essentially that person can deceptively charge whatever they want without me knowing and I have no recourse because the physical card was present. 

My appeal was also denied. I asked Chase for a copy of the receipt, Chase said they could not provide it and would not reach out to the vendor. Chase said that I would need to prove a negative and get a statement from the vendor saying that the charge was not valid even though they can't even identify the vendor in a search. Chase also stated that the charge was flagged as a commercial transaction. I asked Chase what commercial business would I be doing on vacation in XXXX for 4 days. They had no answer. I asked Chase what goods I received in relation charge. Chase had no answer. 
Chase essentially wants me to prove a negative all the while they have to provide no proof that it is a legitimate transaction. 

My next step was to attempt to dispute the transaction. This is because the fraudulent charge was labeled XXXX XXXX and was charged 1 min before I obtained gas at " XXXX XXXX '' for {$23.00}. My best guess is that this was a scam to charge me without me knowing. In XXXX you can't pump your own gas and it was the only time I had to hand my card over to someone else. Chase told me I can't dispute the transaction because they can't verify it is the same retailer because it was titled different. Chase told me to find out which station I went to in XXXX and ask for a letter from the vendor that they refuse to contact, and that I ask for a letter from the vendor that the charge is incorrect. 

Chase basically told me I have no recourse and that there is no universe in which you could hand your card over to someone and they could charge you an unauthorized amount. This is despite the fact that I have had this account for over approximately years and I have never filed a fraudulent charge.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

Between XX/XX/XXXX-XX/XX/XXXX I lost my chase credit card and alot of purchases were made with it for around {$3900.00}, the last time I used it was at XXXX XXXX and when I contacted chase Bank they removed all the fraud charges and was told the card would be cancelled and have a new one sent to me. Fast forward few weeks later I checked my account and saw all the charges were put back into my account. I should not have to pay for charges I didn't make and I contacted the bank as soon as I found out I didn't have my card with me.
Product: Student loan

XXXX years ago, I enrolled in an XXXX certificate course at XXXX Illinois. At that time, this school did not have a degree program in XXXX. This was one class that would award a certificate after completion. I did n't need a XXXX for this course ... I did n't have one at that time. There were no credit hours given ... there were no other classes to take. These loans were to cover the term of the course. This was not toward a degree of any kind. This class started in XXXX. and let out for XXXX break ... to restart in XXXX.. I did return in XXXX, only to find that my class had no instructor. This course had two parts ... the entry level and the advance. There were no instructors for either. Me and other classmates heard that there were money problems, but no one knew for sure what it was. We came back the rest of the week ... staying for a little while and leaving ... until we were told not to return and we would be notified. I never heard back and left the state after what I thought reasonable time of waiting had passed. I had class for two months ... then they closed the class ... there was no other class to take. This was the same as a school closing and a discharge of these loans should be done 27 years later. This school or AES has no information on this mater. I could understand if this was a degree program and I could have took another class the continue with my degree ... I could see if I quit and changed my mind about school all together ... I could see if I got my certificate and could not find a job in that field and did n't feel that I should pay ... but none of this is my case. Why should I pay {$14000.00} for these two months of XXXX when the main part of the class was closed to me?