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

Someone opened the following credit card accounts XXXX XXXX, XXXX XXXX  in XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all without my knowledge. I have called these banks several times but they did nothing about it. 

Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX  XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report every month and i just saw this company report to XXXX and XXXX that I owe a debt to this company. There was no phone number, info of the date or whatever on my credit report except an amount of XXXX dollars. i called them and they asked me for all my info, Birth date, social, address, ect.. I gave it to them. they said that they were collecting for a payday loan that was requested in my name in XXXX 2013, I told them that this was not me. I asked for more information and they told me that the only info they had was from the payday loan company was " word '' of mouth that this was my debt and that i needed to get a police report and send to them that it 's a fraudulent charge. They do n't have any other information to give me. i asked them to verify with the original company anything that states this was mine and they said they did n't have anything other than " word '', so i 'm supposed to call the police dept and say that someone used my name 4 years ago??? really? I had no phone calls, nothing from this so called payday loan company. The CSR agent was rude to me and accused me of lying about this. I am so blown away that something like this is able to happen.
Product: Credit reporting or other personal consumer reports

BMW vehicle returned that had a {$0.00} balance and was never late for BMW Financial Services. Lender marked account as a chargeoff when the account was being paid and they were able to collect a debt giving the impression that debt could not be paid when we agreed that I needed more time. They rather prevented payments from being made and marked vehicle as a chargeoff. A dealership offered to purchase vehicle and lender refused to accept process but rather cause me financial harm by making the situation worse. Agreement was that vehicle lease would be extended or purchased once home purchase complete. Lender blocked payment through their site as to make account seem late, manipulating an information system to their benefit thereby affecting loan process for home. BMWFS has done similar action in the past where I was told {$0.00} balance after signing lease for new vehicle a balance for damage sent to me days later which is fraudulent business practices which went unchecked. Credit bureau agreed and fixed and when I sent more information for further correction switched to support BMWFS without considering my account of events basically being the credit bureau for businesses and not the consumer.
Product: Credit card

I am a victim of identity theft my information was stolen due to a data breach with XXXX there are XXXX credit card accounts that was open under my name on XX/XX/XXXX in the amount of {$15000.00}, XX/XX/XXXX in the amount of {$13000.00}, XX/XX/XXXX in the amount of {$12000.00}, XX/XX/XXXX in the amount of {$7700.00}, XX/XX/XXXX in the amount of {$11000.00} this matter has been hindering me from being able to provide my children a nice home the companies closed the XXXX credit card accounts but due to this identity theft it has caused my credit reporting a great deal of harm.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXX XXXX. As a result I am the victim of identity theft. XXXX XXXX XXXX is helping and can not see my personal information. I'm trying to have the proper information added and the false personal information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has failed to respond to me I reached times even through CFPB to resolved an still sending me requested information. Failure to respond XXXX calendar days will be constituted as your acceptance that the debt is not valid. Please understand verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXXXXXX 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 OPEN CFPB COMPLAINT THAT STILL HAVENT BEEN RESPONDED TO ME XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were 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: Money transfer, virtual currency, or money service

Dear sir/madame, This is not a duplicate complaint, I am providing new information. Citibank keeps holding my money since XX/XX/XXXX without any explanations. 
After multiple escalations, including attorney general of New York state, Citibank replied on XX/XX/XXXX, that they now can't locate the wire and asked to provide wire transfer references ( despite the fact it was provided multiple times previously ), which I did. And Citibank again went on mute, simply ignoring mutiple requests from the remitting party ( eXXXX and XXXX XXXX ) as well as my inquiries. Attaching all the documentation here again, hope this will help moving the needle. 

It is more than a year now that I'm trying to get my well earned money back to my account in the US at eXXXX XXXX XXXX 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act this creator has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 

Account : XXXX XXXX  XXXX For XXXX of XXXX XXXX Day Late Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CFPB complaint with Trans Union on XX/XX/XXXX regarding credit reporting issues related to XXXX XXXX XXXX XXXX under # complaint XXXX. They answered and closed the complaint on XX/XX/XXXX. 
Today XX/XX/XXXX I ordered and received a new copy of my current credit report. Trans Union is now reporting an open auto loan with XXXX XXXX XXXX XXXX as well as a missed payment. This account was already closed and charged off as indicated in the attached report from XX/XX/XXXX. It has decreased my credit score and is now showing I owe money on an open loan that is actually closed and charged off. This is in violation of FCRA. I have attached copies of XXXX XXXX recent letter and images of how Trans Union was reporting in XX/XX/XXXX and XX/XX/XXXX. It is against FCRA to report a missed payment and revolving credit on a closed and charged off account. They will continue to report this every month until they fix it. During that time it will decrease my score every month. I am requesting they fix this as the loan is closed and charged off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, 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 DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX  XXXX XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted written dispute letters and as of today over 60 days later still no response. I feel like Im just a number in a large organization. I recently pulled my report and noticed inaccuracies. In researching how to get these inaccurate items removed I saw that my information was compromised in the Equifax data breach. Now more than ever I believe my information has fallen into the wrong hands. I hope you can assist me in getting this issue resolved sooner than later
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/block all access to my file and contact me directly at my phone XXXX XXXX XXXX or email me at XXXX I need a PIN for all my credit reports ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX 2021 a company called XXXX XXXX XXXX ( XXXX ) and another company called Lobel Financial ( XXXX ) acquired my credit report WITHOUT my permission. I did not apply for any loan from them. I tried to call them but received no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/200XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX AL XXXX WY XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I moved from said residence and terminated the service but XXXX continued to bill me. Once I was made aware of the bill they were not willing to work with me to resolve it prior to it reflecting on my credit report. It's not fair for me to be responsible if I gave notice and was under the impression that the account was closed. XXXX failed to disconnect the account.
Product: Credit reporting or other personal consumer reports

I am requesting that American expressnot hold me liable for fraudlent charges I am a victim of identity theft I explained to the card holder that I would only be paying for my items that I actually purchased however they denied that and informated that if i made an a payment during the investigation that the cybercriminals would have access to so they then maliciously reported mye 90 daus late which is impossible they are violating my consumer rights and they need to update the credit reports according because I would ot because they are holding me liable for charges that area fraudlent. 

I am requesting that American express listen to their recordings and acknowledged there terms and condition because I am protected unters ther zero liablity protection and I have another service to product to repair my identity and they have not been at all cooperative or understanding that all the devices where compromised by a hackwer who then gets someone to rob be of those said devices and its whithin these devices my digital Identity has suffered
Product: Debt collection

On XX/XX/2020 I contacted LVNV funding to dispute an entry on my credit report they have listed. I disputed the entry with all 3 credit bureaus as being reported inaccurately previously. XXXX   and XXXX both deleted the entries as unable to verify. XXXX   repled back that the entry was verified and continued to report the inaccurate information. After contacting LVNV Funding in an attempt to rectify the situation I received a letter from Resurgent Capital Services dated 14 days after the initial letter was received by them, stating that they manage the listed account. I was provided a generic bill that listed an amount and date due. The amount is not accurate. I replied back to Resurgent and cc LVNV stating that the account is not reporting accurately and to provide me with a full listing of the history of the account that verifies the amount they claim. I never received another response from LVNV nor from Resurgent Capital Services. I still have this same account being reported to XXXX with an inaccurate balance and incorrect dates. I have records of all correspondence.I would like this inaccurate entry removed from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC system has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 

Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.
Product: Checking or savings account

On XX/XX/year>, I received an advertisement in the mail from PNC bank stating I would receive a {$500.00} bonus if I opened a checking account using the reference code XXXX, and deposited {$5000.00} or more into the account. I opened an account the same day On XX/XX/year>, I received a bonus of only {$400.00}, rather than the advertised {$500.00}. I called PNC customer service on XX/XX/year>, and was told the most I could receive is {$400.00}, as that is the public offer. I informed the representative that I have a special offer that I received in the mail. I provided the representative the reference code that I used and they stated that it was not for the checking account, but rather for a credit card. I know this to be false because I have a picture of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corporation has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.
Product: Money transfer, virtual currency, or money service

I can not access my coinbase account : www.coinbase.com, The website will not let me login in the past past 21 days. 
The account uses my email address ad they do have my cellphone number ( for the second password ), my Driving license, my last bill, my photo I asked them more than 30 times through email, website-help tool, and 3 times phone request and they did not reply to any of my requests. 
I informed them that I wanted to sell my bitcoin and I need the money that I have in MY account, and I can provide whatever evidence for the identification purposes if the issue is because of that, but I have not revived any reply. 
I also asked if it is possible to provide me the reason beind blockng my account, but they have not replied either. 
I also informed them two weeks ago ( when the price of bitcoin was 50 % more of today ) that I want to sell my bitcoin, and I need the money ASAP, and I could provide them with any information that they need to open my account, but they did not replied back. 
After talking with them on the phone ( almost a week ago ),  their representative told me he can not help me at all, and after I said " Should I talk with a lawyer? '' He replied " No I wont do anything '' and then he hang out the phone. 
Again, I emailed them and beg them that I need the money, and I am XXXX and I need my money back, and this is not ethical to keep my money for no reason, they simply blocked my email so I can not submit any request any more. 
At time I had access to my account I had more than 9K in my account, all of my saving, and wanted to cash them for the new year, and they did not let me. 

I do not have any option in mind, they did not provide me with a single reason for blocking my account 21 days ago, and keep asking them they simply do not care. 


** I PUT MY FIRST AND MY LAST EMAIL AS A REFERENCE TO THIS REQUEST
Product: Checking or savings account

Subject : Dispute of Unauthorized Charges on Checking Account Dear Chime Customer Service, I am writing to formally dispute unauthorized charges made to my checking account on XX/XX/year>. Detailed below are the transactions in question and the actions I have taken to address this issue : XXXX - {$350.00} ( XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$6.00} ( XX/XX/year>, at XXXXXXXX XXXX ) Upon noticing these charges, I immediately contacted Chime customer service to report my card stolen and to dispute the unauthorized transactions. To my dismay, I was informed that I had to wait until the charges were no longer pending before initiating a dispute. 

On XX/XX/year>, I successfully disputed the charge from XXXX XXXX for {$6.00} online, which was subsequently approved on XX/XX/year>. However, when attempting to dispute the XXXX charge of {$350.00} online, I encountered difficulties and instead called customer service to dispute the charge on XX/XX/year>. On XX/XX/year>, I received a denial for this dispute. 

I believe the denial of my dispute for the XXXX charge is unfounded. The transaction was unauthorized, and I took immediate and appropriate steps to report it as such. Given the significant amount involved, I respectfully request a thorough review and reconsideration of my dispute. 

Please find attached all relevant documentation, including copies of my account statements highlighting the disputed transactions and any correspondence with your customer service representatives. 

I kindly ask that you reverse the unauthorized charge of {$350.00} from XXXX and re-credit my account as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  loan servicer transfered my loans over to XXXX. Afterwards, I received XXXX  loan forgiveness. The issue is that XXXX is double reporting my XXXX  loans eventhough they no longer service my loans, even with the XXXX forgiveness. 

The loan amount shown on my credit report has almost doubled. It shows that the loans were forgiven and then added back to the original balance before the forgiveness. All XXXX balances should be closed/transfered and my balance should read almost $ XXXX instead of over XXXX. 

The XXXX, XXXX and XXXX websites reflect my transfers and correct balance, but are failing to correctly report it to the credit bureaus. XXXX says they were unaware of the reporting. 

Experian has tried to dispute it, but says XXXX has not made the correction. However, Experian left me an message saying that the information was updated, but yet the balance and XXXX still remains.
Product: Credit reporting, credit repair services, 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CITICARDS CBNA XXXX Date opened XX/XX/2016 Balance : {$580.00}
Product: Credit reporting or other personal consumer reports

Ive received numerous amounts of hard inquiries that was unauthorized by me from these companies and wish to have them 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 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 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 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