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

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance : {$19000.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance : {$4400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX Balance : {$190.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$53.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX : {$1400.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX : {$320.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX XXXX {$1300.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX ) Account # : XXXX XXXX XXXX {$50.00} Date Opened : 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company reported an account from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, in the amount of {$780.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.

From a previous complaint that I have filed against this company through the CFPB under complaint # XXXX, I indicated the same complaint as above. The company responded that they sent a validation letter on XX/XX/XXXX and that it was not returned as " undeliverable ''. I dispute this as I have lived abroad since XX/XX/XXXX and I have not held a US address through a US based mailing service since XX/XX/XXXX. So it is impossible for Midland Credit Management to state they have sent me any notification. On XX/XX/XXXX, I was living in XXXX, XXXX, as per the XXXX long stay notice attached. No validation letter was received at my address in XXXX, XXXX from Midland Credit. 

So again, this collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.
Product: Mortgage

I had asked Nationstar/Mr Cooper for two years for assistance and was told I was not eligible for any. I put my home on the market and relocated out of state. My home was on the market for a year and the offer we had would make it a short sale. We submitted all paperwork to Mr Cooper in XX/XX/XXXX and received confirmation of receipt. In XX/XX/XXXX I received a letter from Mr Cooper with regard to a modification. I called and stated that a modification was too late and I had asked for one for two years, I want the short sale processed. In XX/XX/XXXX, I received another letter from Mr. Cooper regarding a modification. When I called, I was told that although they received the paperwork for the short sale, my agent/lawyer needed to enter information on line. This was the first we were notified of this. Everything was submitted and they they said we needed updated payoff statements. We sent this and today I received a letter from Mr Cooper offering payment options. I called again, now they state that is more information needed on line. My realtor and lawyer have submitted this information numerous times and each time Mr Cooper fails to process it. I am forced to pay for utilities and an alarm system to keep the property secure. This has been going on for four months, even after Mr Cooper confirming receipt of the short sale paperwork. I can only assume that this is purposeful and willful sabotage of this short sale as I am about to lose my buyer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at around XXXX CST, my Coinbase account was hacked, and hacker stole {$16000.00} worth of Bitcoin ( XXXX Bitcoin ) by making XXXX outgoing transfers to outside wallets ( see Coinbase transaction log attached ). To do this, they reset my Coinbase password and changed my XXXX setting from a new device with IP address XXXX in XXXX XXXX ( see Coinbase activity log attached ). At this point, I was out locked out of my account completely because they changed my log-in credential and XXXX verification method. They then proceeded to convert all my coins into Bitcoin and made XXXX outgoing transfers in Bitcoin to outside wallets. This happened in matter of 18 minutes while I was sleeping, not hours, not days. Total lost = XXXX Bitcoin. I contacted Coinbase immediately about the fraudulent account access and unauthorized transactions when I checked my email and saw the fraudulent outgoing transfers. Coinbase acknowledged that my account was hacked but refused to reimburse the fund that was stolen from me.

What is more outrageous is that the hacker used my bank account linked to Coinbase to purchase {$1000.00} worth of Bitcoin and I asked my bank to void the fraudulent transaction on XX/XX/XXXX. Now Coinbase is asking me to pay them because my bank did not pay for the transaction, as they should not.

Per Coinbase password reset policy found at https : //help.coinbase.com/en/coinbase/managing-my-account/get-back-into-my-account/reset-my-password, Coinbase stated that : " As a security precaution, if you reset your password from a new device, you wont be able to send crypto from your account for up to 48 hours. To avoid this send restriction, request a password reset from a previously authorized device. '' Coinbase violated their own safety protocol as they allowed the hacker to reset my Coinbase password from a new device with IP address XXXX in XXXX XXXX and the hacker was able to make XXXX sends of cryto to outside wallet immediately after a password change from a new device. Coinbase did not follow their own policy of 48-hour waiting period as stated above after a password change from a new device. If they were to follow their own safety protocol, I would have time to see the fraudulent password reset and take action to secure my account to prevent fraudulent transactions. What is more troubling is that Coinbase system did not flag the 152 transactions performed in 18 minutes as fraudulent or suspicious activity. This is gross negligence from Coinbase and I'm asking Coinbase to take responsibility and reimburse my account for the lost fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have never been late with payments on this account. Balance on the account is wrong. 
XXXXXXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.
Product: Credit reporting

I have been trying to dispute a report. My tax liens have been removed as of XXXX XXXX,2015. I have a letter from the IRS notifying me that they were released. However they continue to be reported on my credit report. Each time I look up how to dispute a report I am taken to blogs about credit/collections advise. I only want this taken off my report. I am trying to buy a house. please take these off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Financial violated my rights in accordance to the Fair Credit Reporting Act ( Account # XXXX ). - 15 U.S.C. 1681 section 602 A States that I have a right to privacy - 15 U.S.C 1681 Section 604 A. Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. Information on my report varies between the 3 bureaus. I spoke to their chat support and they agreed to remove the 30 day late payment from my credit report for all 3 bureaus. It's still on my report! I will be attaching the supporting documentation.
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 XXXX out of XXXX 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 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: Student loan

In XX/XX/XXXX, my checking account was compromised. I had to change checking accounts. I updated the payment information in my Loan Service Provider, but they did not update my automatic payment. They tried to debit the previous checking account, and it failed. They apparently sent a letter I never received. After said letter, they stopped all communication. They stopped sending any kind of billing notice. I did not receive a bill either electronically nor in the mail for over 15 months. I checked in on my account after realizing I hadn't seen a bill or debit from my account in a very long time and learned they had not billed me, but continued to accrue interest. So not only did they not notify me that I had a balance and payment due, but they also did not attempt to debit the updated payment information. I went to pay off the loan, and when I tried to do so, it gave me a total to pay off less the interest from the current month ( {$150.00} ), so even if I went through and paid the amount suggested, it would still leave a balance owed on the account. I believe that I should have legally been notified of a balance due, of a payment due, but was not sent any notification of the matter from XX/XX/XXXX - XX/XX/XXXX. The company was American Education Services.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fax requesting a freeze be put on my consumer file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 with phone calls. Each time I got their answering machine and was told my call would be returned  within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX and DNF Associates LLC in the last few months have persistently threatened me in regards to a debt they claim is due in the amount of {$720.00}. When I contacted the original creditor XXXX XXXX they do not have any documentation of a debt owed and my account was closed in 2014. Also, XXXX XXXX sent me {$98.00} due to money remaining in my closed account back in 2014. The stated collectors are pursuing a false debt and beyond Ohio statue of limitations and violating FDCPA rights for harassment. Said parties stated that they will renew the statue of limitations and file a lawsuit if not paid within 30 days.
Product: Vehicle loan or lease

I called Bridgecrest to change my payment schedule from biweekly to monthly. There's no way to change online and I should not have to pay 3 times in one month instead of my regular payment of a little over {$500.00}. I have a XXXX XXXX XXXX  that was purchased from XXXX and the loan company is Bridgecrest. I had this vehicle for 10 months and have never gone 30 days late on my payments. I already have an issue that they used some kind of spray over the car to make it appealing to buy because when we got it home there were all kinds of scratches in the bumper, etc. I was also overly charged for this vehicle. When I called I thought they had made the change to monthly payments. I received a call 2 days later saying I wasn't approved to change to monthly payments. I had no idea that I needed to be approved and when I asked why they said they did not believe that I could pay is what the rep told me. I've been paying my payment for 10 months and I have a co owner. How is it that I can not make my payments just because I want to switch to monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late dates which are actually submitted on my credit report sound very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX  XXXX
Product: Credit reporting

I have XXXX XXXX XXXX accounts that are over 7 years old that I want removed and also XXXX put a judgement on me after it was on me as a collection for 7 years. 
Also, I have a tax lien that is over 7 years old and should be removed from XXXX county. All of this is on all XXXX of my credit reports.
Product: Checking or savings account

On XX/XX/XXXX I first noticed my bank account to negative for a charge of XXXX at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I immediately filed a dispute for unauthorized transaction and requested a new debit card. 

I received the debit card in mail on XX/XX/XXXX and activated it, On XX/XX/XXXX at XXXX I contacted a representative at Current inquiring about the provisional credit due to Regulation XXXX and the dispute not being resolved and it was the XXXX business day. 

To my avail, the customer service agent notified me that I would receive a credit by end of day and that the resolution was not finished. And then spoke to another representative to notify me that it would not be issued until Monday despite Friday being the XXXX business day. I asked to escalate this issue. 

Upon calling at XXXX - XXXX had nothing still. No provisional credit or a decision. 

Once on the phone- I was told that the dispute was closed and lost. 
I had not received XXXX email or communication and it was not resolved prior to communication. 

I asked to know when, why, and to appeal to which I was told, the dispute team would reach out. 

They never did. 

XXXX business days and no notification or response is a violation. 

XXXX addition, this was in fact an unauthorized transaction that occurred resulting in my amount being drained to negatives as well as having to review my entire account and request a new card
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX CFPB Complaint to be submitted requesting the removal of the Fraudulent accounts and information off of my Credit Report. I previously sent a dispute letter dated XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have read that under the Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to request to you once more to have the fraudulent accounts removed from my Credit Report within the time allowed by law. Please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX : {$65000.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Please comply with the Federal law and have the disputed items removed from my Credit File within the time allowed by law. I have heard a lot of rumors that you are not willing to help a consumer fix their Credit File and I am hoping that I will not be treated the same.
Product: Checking or savings account

On XX/XX/2024 at XXXX Cash App allowed {$100.00} dollars to be taken from my bank account via cash app by a person under the name of XXXX XXXX XXXX $ XXXX ) without my authorization or consent ; on XX/XX/2024 at XXXX Cash App allowed {$300.00} dollars to be taken from my bank account via cash app by a person under the name of XXXX XXXX XXXX XXXX XXXX XXXX ) without my authorization or consent, which caused an overdraft to my account. On XX/XX/2024 after noticing these transactions I contacted Cash App and requested a refund and filed a formal complaint under complaint number # XXXX, and explained that I did not authorize these transactions and that my card was locked and no transactions should have occurred, and that I had became aware that these individuals had accessed others accounts also. On XX/XX/2024 Cash App sent me an email stating that they had compared my transactions and that they determined that the transactions had been authorized by me or someone that I authorized to use me credentials. Cash App made this determination without conducting any forensic analysis and without any further communications with me, and they made this determination even though they were aware that it was patently false and even though they were clearly aware thatthese persons had also made unauthorized transactions on other accounts. I have also filed a police report with the XXXX Police Department and I have filed a complaint with my bank, XXXX concerning this matter.
Product: Debt collection

I talked with a rep from a company known as Harris and Harris claiming I got parking tickets violations. I never owned a car at all or have a car note.
Product: Debt collection

Once XXXX XXXX, 2016, When I received notice that a XXXX XXXX bill was in collections. I immediately called the agency to verify this account. I provide my full name, address, and social security number and the representative was not able to locate an account with the information I provided. She informed to send and email to XXXXXXXXXXXX with a snapshot of the account on my credit report. I also included a validation request to show proof that I owe XXXX XXXX XXXX for the amount of XXXX. I did not get a response to my email and I called once again to be told the same information.
Product: Debt collection

To Seventh Avenue : ( This is the XXXX Letter Sent To Your Company ), prior XXXX certified letters. 
XXXX XXXX XXXX XXXX, WI XXXX Acct # XXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXX. 

This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. 
/////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. 
////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I discovered several fraudulent accounts reporting on my XX/XX/XXXX & Transunion Credit Report. I have alerted XX/XX/XXXX of the fraud by submitting Identity Theft documentation.