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

Recently Equifax reported a hack that compromised the personal information of some 148 million people, me included. This hack went undisclosed to the public for almost a month leaving all those people vulnerable to identity theft as they were unaware and likely did not take steps to protect themselves. The fact that they waited so long to inform the public is extremely negligent.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/year> PORTFOLIO RECOV ASSOC XXXX, XXXX  XXXX Subject : Debt Validation Request Regarding Account Number Dear PORTFOLIO RECOV ASSOC, I am writing to request validation of the debt referenced above, which appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of any alleged debt. Please provide : 1. **Proof of the debt** : Documentation verifying the amount owed and the original creditor. 
2. **Verification of your authority** : Evidence that you have the legal right to collect this debt. 
3. **Detailed payment history** : Including any payments made and the outstanding balance. 

Pending your response, I request that you cease all collection activities and refrain from reporting this debt to credit bureaus. If this debt can not be validated, please remove it from my credit report and inform me in writing. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Spring Oaks Capital , LLC ( Debt Collector ) violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). Spring Oaks, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not Spring Oaks Capital , LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine. 

SPRING OAKS CAPITAL , LLC has failed and or refused to represent the required and requested legal receipt from the original creditor displaying the specific account it claim to now be the rightful owner of, terms and conditions, my rights as a consumer, date purchased and alledged exact amount in questioned. Along with New York State consumer affairs number that indicate it posses the legal right to attempt to collect a debt from a New York resident.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple XXXX Reports regarding the account that do not belong to me. 

Account name XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXXccount Number : XXXX Account name : XXXX XXXXXXXX Account Number XXXX XXXX  Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I deposited XXXX btc with coinbase, and now my account is disabled. I've reached out through every possible means, including multiple emails, and social media messages. They wont even reply. Im absolutely disgusted with their lack of support. I want to know why I'm not able to access my BTC or even login to my account! I want an explanation and resolution NOW I have uploaded my ID numerous time to get the same error : The name on the document ( " XXXX XXXX XXXX '' ) doesn't match " XXXX ''. Please try again or visit https : //support.coinbase.com for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXX and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called Equifax first since I saw on XXXX that they were in trouble for coding errors. Equifax stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call XXXX to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by XXXX showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with XXXX who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at XXXX is on speaker and also my moms phone is on speaker and XXXX states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to XXXX that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX  XXXX XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX and XXXX  XXXX  XXXX  XXXX  XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX. from my credit report. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have adjusted my identity theft report because the identified items still remain. According to US Code 1681c-2, consumer reporting agencies have 4 business days in order to block the reporting of any item identified as resulting from identity theft. This is not being done on the basis of material misrepresentation of fact. Equifax has far exceeded this timeline.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Conventional real estate mortgage with account # XXXX opened on XX/XX/year> and a balance of {$290000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

There should be no negative in my history for 3 years. I have all bank statements to show monthly payments
Product: Checking or savings account

On the night of XX/XX/2022, I used my JP Morgan and Chase business account ( XXXX XXXX ) Debit card at a venue in XXXX to withdraw cash. However, after I entered my PIN code to verify the account, the ATM machine displayed an error message indicating that the card was not valid. 

After multiple attempts on my Business Account Debit Card, I then proceeded to use my Personal Account Debit card and withdrew the funds from a different ATM machine within the same venue. 

The Business Debit card was not used to make any other purchases that night. 
On the morning of XX/XX/XXXX, I received an email from Chase with an alert for a large purchase at XXXX XXXX on my Business Account Debit card which was declined by Chase. 

I logged into my Business account online and saw that there were multiple transactions made on the Business Debit card. When I searched for the Debit Card, the physical debit card was not in my possession. I called Chase immediately and reported the card stolen. The agent also opened 2 claims for the unauthorized purchases made on the Business Debit card at an ATM and a XXXX XXXX. 

I received a letter on XX/XX/2022 informing me that my claims were denied because I authorized the transaction. 

I did not voluntarily provide anyone my Debit Card PIN or Card. However, JP Morgan and Chase insist that their investigation proves that I authorized the transactions because the chip card and PIN were used during the transaction. 

Furthermore, when I requested Chase provide proof the transaction were authorized by me, they denied my request. 

According to Chase 's terms of service, I am supposed to have fraud protection against any transaction unauthorized by me. However, Chase is breaking their terms of service by denying my claim and failing to provide proof the transactions were indeed authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my credit was ran by Victoria secret/ comenity bank without my permission nor did I authorize it. I have been a victim of identity theft and these are fraudulent. Ive made a IDENTITY THEFT REPORT
Product: Debt collection

Check N Go sold the debt to XXXX XXXX XXXX XXXX XXXX and a rep named XXXX XXXX keeps repeatedly calling my cell phone using spoofed phone numbers ( # neighborscam ). Another rep named XXXX XXXX, also with XXXX XXXX XXXX, has been using the information they obtained to purchase cars, gym memberships, and auto insurance using my personal information. 

This needs stopped right away and both Check N Go and XXXX XXXX XXXX refuse to communicate in writing.
Product: Credit reporting or other personal consumer reports

I received a response from Experian stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. ( See Attached ) USBK Court - XXXX - Information is reporting inaccurate and is still not correct. 

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Product: Mortgage

My process of refinancing my mortgage and remove the cosigner started on XX/XX/2019. An application was made for a 10 year loan and the lending officer I spoke said it shouldn't be a problem based on the income and credit score. Therefore, to continue with the process an amount of {$890.00} needed to pay upfront. As soon as I pay the amount needed the lending officer I  spoke from the bank wouldn't return my phone calls or emails. It was hard to get on hold of him and when they will pick up the phone a lady will answer stating the lending officer was busy and she will continue with the loan application and to call her as if XX/XX/2019. In the mail I received documents but the loan was for 15 years instead of what I spoke with the first person that was supposed to be 10 years. When I received the mail about the 15 years instead of 10 years I sent an email asking the reason it changed, I received a response and said in order for me to apply for a 10 year loan I had to put the overtime but they couldn't because he has less than two years with the company. I reply back and said if I pay a small loan I have if that will help, it took almost 1 week to reply back and I pay off the loan. When the loan officer reply said it wasn't necessary, so that kind of confused me because the bank didn't really told me the main reason why I wasn't approved for the 10 year loan. Later on throughout the process a person associated with the bank visit my property to do the appraisal. The lady started to do say that the property needed some improvements or changes. improvements, such of instead of having a window ac unit with heat I needed to have a central ac. Also, some paint work was needed. After that, I spoke with the new lending officer and said to speak with the appraisal lady and make some changes given me some codes, as soon as I relay the message the appraisal lady said she wanted to speak with the bank about that, but I all this time I was in the middle. What I think it was unprofessional it was that the appraisal was blaming the bank because it the appraisal wasn't approve and the bank representative said it was the other way around. The bank representative said if the appraisal worker didn't want to approve they were going to use another one but this time the fees where going to be pay by the bank. But the next time I called and they retracted because it was not possible ( that deal was offered to me, with me not even asking ) for the bank to pay the appraisal fees and also they said that they were going to cancel the whole process because the duplex didn't have central a/c. At that point my insurance for the duplex was already cancel due to the refinance and they requested an insurance with damage replacement and it was going to be more expensive to me more specific the double of what I pay but it was going to be necessary if I wanted to continue with the process. 
As if right now, I haven't received any document in the mail or in my email where it shows the appraisal that I pay.
Product: Payday loan, title loan, personal loan, or advance loan

I bought a bed on XXXX and chose the affirm option for paying in installments. The order was approved and mailed to me. I went online with affirm to create an account to manage my purchase payments and was unable to do so. It is a glitch that says I am unable to be approved because my credit is frozen, however I already was approved, I have the bed, and I am being billed by affirm. I attempted to pay online but it wouldn't accept any of my payments. I have called over XXXX  times and the people in XXXX just keep telling me that I need to unfreeze my credit. All they do is read off the error messages given online. I have emailed, filed XXXX complaints with the company, and filed a XXXX  complaint. The company just responded to the XXXX  complaint by cutting and pasting help topics in the box. I have concluded that nobody works at this company as I have been wholly unable to talk to a single living person to help a simple technological glitch in their online system. This is why these fake credit companies should not be allowed to exist. They are threatening to report to the credit agencies a late payment when I have done my due diligence to try and make the payment. The owner of this company is a XXXX XXXX  scammed. I spent XXXX  months doing this same XXXX  with XXXX XXXX after committing the horrible crime of changing my address and finally an executive took the XXXX minutes needed to fix my frozen account ( after XXXX rep in XXXX telling me that maybe I should just not move, so I wouldn't have to change the address ). Affirm, I'm waiting. Get your act together. If I had known what a scam this is I would have slept on the floor until my real credit card came in the mail and bought my bed with that. Hopefully a regulatory agency will end this scam.
Product: Debt collection

My husband opened a credit card with the bank 53rd in XX/XX/XXXX.. 
Their were a couple of accounts associated with this account that I know of.

My husband passed away on XX/XX/XXXX. He had this payment taken out of the checking account automatic every month. When he had passed I stopped the payment from being paid automatically out of account because of the direct deposit of monies were being delayed. 

I went to 53rd Bank in XXXX MI, the one where we have checking accounts with and sat a talked with the Personal Banker and submitted the original death certificate to her she pulled the information on the computer, and she said to me " this is not in your name it's in your husband name '' so disreguard this payment, " this is not your bill. '' She then took all the paper 's I had brought with me to show her and she shredded them also with the plastic credit cards. She was submitting the death certificate as proof. This was in the month of XX/XX/XXXX. I've received many calls from 53rd Bank stating I owe this money. I said No I do not! I've never had a credit card or charged any purchases with this account. The account number on this credit card keeps changing every 6 Months or so.. it's a lot. I've been yelled at by the collections department threaten harassed. I've called the Dispute Signed Application phone numbers a few of them No one will help me clear this up. 

I asked the Bank Managers at Two 53rd banks to just show me the signed application of my signature on the loan was told I'd have to get an attorney to open up the records, I said " Why their my records '' aren't they! 
So last month I've been torment by them and was also informed that 53rd was putting derogatory remarks on my credit score bring it down also having a 53rd account that meant I was paying them my monthly fee to do this to myself. I paid the {$620.00} they wanted which left me scraping by. 
So needless to say I closed both the checking accounts we had at 53rd Bank. 

I don't know what else to do no one seems to want and help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX  inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called XXXX  multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus.

The list of inquiries that should be removed from my credit report immediately are as follows : XXXX  : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 6 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX  : 1 ) XXXX XXXX XXXX XXXX 
XX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A Equifax : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX  XX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 60 days late as of XX/XX/2019 90 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Checking or savings account

On the morning of XX/XX/2022 I got a fraud debt charge on my Ally financial debt card for XXXX XXXX I saw from my transaction history it came from a company called ( XXXX XXXX ) I immediately searched up the website and found their contact information and called, and after several attempts of trying to reach customer service I finally got someone on the phone and I told them that someone is using my debt card on their platform and got charged XXXX XXXX after speaking to the company customer representative, I was told that since they can't use my debt card information to see what account my card was connected to, due to security reasons that they couldn't help me, so feelings hopeless I moved on to dispute this fraud charge with my bank Ally financial, after I explained this charge to them they closed my debt card and sent me a new one and filed a dispute form over the phone with them, my dispute Case number for Ally financial ( XXXX ) they told me after 10-15 days I will receive a paper mail with the determination notice, after I received that paper I got declined for any provisional credit for this charge, they couldn't give me any exact reason why I got declined and now I am out of XXXX dollars and moving forward I'll banking with a different bank that protects & appreciates their customers. I would like CFPB to see if they could get me a refund of XXXX $ from Ally financial and to see what exact reasons they declined me for. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting complaint this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX. XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX. XXXX XXXX Inquired on XX/XX/2021 XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX