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

In XXXX of XXXX I filed an identity theft report with the FTC and the three major credit bureaus in reference to Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX for {$1300.00}. I sent a letter to each bureau describing the identity theft and including the FTC report ( and have also done so AGAIN this week in XXXX of XXXX XXXX ..At that point ( XX/XX/2023 ) the fraudulent account was from XXXX XXXX XXXX ITSELF.. now that same organization has KNOWINGLY submitted a collections account on an account that has been identified as fraudulent AND the credit bureaus have placed the collection on my credit file causing my credit score to drop again causing detriment to my financial wellbeing ( which is in direct violation of the fair credit reporting act! ). If the original account from XXXX was deleted and marked as fraudulent the fact that three bureaus KNOWINGLY placed a collection on my credit file for the SAME fraudulent account is breaking consumer laws. All three agencies continue to remove items then add back the fraudulent collection items for the same accounts which are completely INACCURATE debts which then drops my score significantly each time they have done this ( now three times ) AND which has an extreme adverse reaction and is detrimental to my financial wellbeing. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 168XXXX : XXXX XXXX XXXX XXXX XXXX. All three bureaus ( XXXX, TRANSUNION and XXXX ) stated everything was complete and removed the original creditor. But now they have allowed a collection account from that same fraudulent loan appear on my credit file.. the open date, date of last activity and much more is incorrect and completely untrue and fraudulent. And each time they add and remove this account it affects my score DRASTICALLY ( now two times ) which is causing serious hardship and affecting my livelihood AND financial wellbeing. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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. DELETE ALL ACCOUNTS LISTED ABOVE from each of the credit reporting agencies ( XXXX, TransUnion and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my report that is not mine. Someone opened it in my name The account is Self Bank?
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this ITEMS ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, DELETE, or TERMINATE the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Last week I tried to apply for HSBC credit card and got denied because they can not verify my identity. I submitted all the information requested to no prevail.
Product: Mortgage

Four and a half years ago, I attempted to short sale my property and vacated the residence. I let the bank know that I was unable to maintain the mortgage for the property as well. At some point the property was secured. XX/XX/2015 I was informed that Caliber Home Loans had taken over the home. I reached out to them to find out how to get the home out of my name and to find out if they would be foreclosing on the property. They could provide no timeline as to when things would progress, when they would attempt to resell the property or if they would foreclose. At this time I still have no information and am burdened with additional financial hardship because the home continued and still continues to accrue Condo Association fees since the time that I vacated. I have not received any documentation that it was still accumulating and thought that since the bank had taken possession and changed the locks that they would now be responsible. It was not until I found out a judgement was granted against me for over XXXX dollars and a they started taking XXXX % of my check each pay to pay the judgment amount that this was not the case. In the mean time the Condo fees continue to accrue. I do not know what period the XXXX even covered so I may be subject to more past due balances that I do not have the funds to pay. I spoke with a realtor to possibly relist the property as a short sale because I owe almost 3xs as much as the current market value and because of the lien/judgment she stated that this may not be the route I wanted to take due to the amount of time it could take to even get an offer which would then have to be accepted at a time when the market is low in the neighborhood in which this home is.. I am pleading to get the process moving forward to get this home foreclosed on or what ever the appropriate measure may be to get it out of my name and stop the bleeding with regards to the condo fees. I can not move forward with my life and start over until the bank does what they need to do with regards to home.
Product: Debt collection

Since XX/XX/year>, the company Caine & Weiner has been calling and emailing to inform me that a debt from a provider I did not know of was due. 
Today received a call from XXXX XXXX insisting on collecting a debt, as I told her I requested a collection letter validation on XX/XX/year> I had never received any evidence from me to use the prover Paysafe.Payment This person called me today saying that Square which is my credit card software had Paysafe and that I owed the same collection to XXXX. Me. 

I've been with XXXX for over XXXX  years without any issues, is impossible for her to say that I owed any services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never notified that this account was in collections. In addition, this account reports a {$0.00} balance and {$0.00} past due. This false reporting of a collection for an account that has a {$0.00} balance and {$0.00} past due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however I have not been successful.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 someone took at XXXX XXXX coins out of a crypto wallet held on Coinbase wallet. This transaction was unauthorized. Coinbase is unwilling to compensate for my losses that were out of my control. There response was that my recovery phrase was compromised and used to authorize the withdrawal. ( Never happened and it is physically impossible for anyone but Coinbase to know my recovery phase, hence theyre the ones that issue it. ) I want the money and or coins reimbursed. I have already reached to Colorado dept of finance services. I have also withdrawn everything affiliated Coinbase to a separate wallet for safekeeping.

Upon further reque st I can send attachments through encrypted email correspondence.
Product: Debt collection

DEBT DOES NOT BELONG TO ME. IN ACCORDANCE WITH UCC 3-311 THIS DEBT NEEDS TO BE REMOVED EFFECTIVE IMMEDIATELY. 

FCRA AND CFPB 'S NEW RULE STATES AND FINALIZES TO REMOVE MEDICAL BILLS FROM CREDIT RPORTS. THIS IS MEDICAL DEBT.
Product: Debt collection

Back in XX/XX/XXXX I was with XXXX XXXX, I called and talked to them to cancel my service, since I was no longer under contract, I paid my last bill. I got a letter in the mail my account was closed this was also in late XX/XX/XXXX, the following month I got a bill from them for the amount of XXXX in a demand letter I refused to pa it, the account was closed and then sold to a different collection company, within 1 yr it was sold to XXXX XXXX XXXX, this was in XX/XX/XXXX, they are saying that it was in XX/XX/XXXXwhich it was not. After I asked to be put on the do not call list the calls stopped, I was getting at least 15 to 20 calls a day. Now this is now XX/XX/XXXX and they refuse to remove it from my credit report, I have informed them that once this account was sold it was no longer my account. They still refuse to remove it from my credit report as a collection debt. And it is hurting my credit score. I have disputed it over 5 times with the 3 major credit reporting agency 's it's still there, Then I contacted the 3 credit agency 's  and disputed it yet again. They refuse to remove it from my report 's. Even after I told them they were violation of the Fair credit reporting act. XXXX XXXX XXXX I WHOM I CONTACTED VIA THE DISPUTE ON THE XXXX XXXX   SITE. THEY HAVE DENIED MY DISPUTE NOW OVER 5 TIMES. I WANT THIS TAKEN CARE OF ONCE AND FOR ALL. Thank you
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a XXXX XXXX  violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain information on my credit report that was affected by the Equifax data breach. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of the following accounts from my credit report, as they may have been compromised due to the Equifax breach.

Please remove the following accounts from my credit report within four ( 4 ) business days, as required by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Equifax breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, which could have affected the aforementioned accounts. Under Section 605B of the FCRA, I am entitled to have this information removed from my credit report, and I request that you act in accordance with the law by deleting these entries within four ( 4 ) business days of receiving this letter.

Please confirm in writing that these entries have been removed from my credit report. If any additional documentation is required to process this request, kindly inform me as soon as possible.

Thank you for your prompt attention to this matter. I look forward to your swift response in compliance with the legal timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I received an email from a debt collector ( True Accord ) which stated I owed on a credit card issued by XXXX XXXX Bank XXXX I contacted XXXX XXXX Bank and XXXX them I have never applied, nor been issued a Credit Card from them. They investigated, then still sent me another email through True accord a debt collector. Sent an inquiry again, only to get the same vague copy of XXXX XXXX Bank Credit Card XXXX Uses a very old address of mine and does not specify what was charged on the card. 
Please help!
Product: Credit reporting or other personal consumer reports

My report obtained on XXXX through chexsystems shows account abuse reported by XXXX XXXX XXXXXXXX on XXXX I did not engage in account abuse, the allegation is incorrect. I called Chexsystems to dispute and was informed their dispute process is determined by the financial institution and if XXXX XXXX XXXXXXXX interprets account activity as abuse, even if it does so inaccurately, they will continue to leave it on my report. I spoke with many people at XXXX XXXX XXXXXXXX in various departments such as XXXX XXXX XXXX XXXX XXXX XXXX and they all informed me that they will not accept disputes for information they report to chexsystems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results
Product: Checking or savings account

So on XX/XX/XXXX and the XX/XX/XXXX I noticed some transactions I was disputing due to some ongoing issues at home with someone Im helping out. I filed the dispute promptly and not long after my account was restricted and I wasnt able to do anything. And then I come to find out that they wont release my account because somebody opened an account in my name. And they say I owe the money. Im not even sure this account was open but I just filed identity theft affidavit, a year and a half ago due to ongoing issues. I explained that to them before and they wont unrestrict my account until that account deleted. But I have no way of doing so. I disputed funds and I want this other account taken care of please
Product: Debt collection

I dont have the exact dates but it was at least 4 years ago. I was getting payments taken out of my account and then it stopped. Assuming that it was all paid in full because the payments stopped and never heard from them again until just now. I dont believe this is correct because why after so long do they file this. Also there is NO way that I owe so much. Thank you
Product: Checking or savings account

XX/XX/XXXX I spoke to a girl named XXXX XXXX XXXX who claimed she was affililated with XXXX XXXX XXXX  XXXX by posting a room for rent on the XXXX  site under the XXXX XXXX  housing page. I never met this girl but assumed she was legitimate because she sent me her Drivers license information and like i said had publicly posted the room for all XXXX students and affiliates. 
After chatting with her about the room, she sent me photos of the room she was renting but it was the leasing centers pictures not her own, and some things sounded suspicious about the room. For an example she didnt give me a suite number to the room right away and hesitated. Shortly after she sent a " suite '' number and i saw " pictures '' for the room she sent her " email address '' for me to XXXX  her {$100.00} for the application fee and {$600.00} for rent. My bank suggested that this email is associated not with a girl with her name but with a person named XXXX XXXX. I asked if this was her or her account she said yes. She had also sent a fake XXXX XXXX tracking # which XXXX  XXXX said was from XXXX. Upon noticing it was a scam, i asked the same girl to return my {$700.00} and she ignored the claim but kept contacting me and putting me in touch with more people to send money to claiming the " XXXX XXXX '' driver needs {$200.00} and to hurry and send the money. I reported the fraudulent XXXX  account to police the girl who posted and all the other information with XXXX police department. 

I called citibank for a return of those funds because i never authorized for my money to go to a scam artist. In addition, even though she was not affiliated with XXXX, not even living in the state of california, and not rendering services for XXXX XXXX XXXX XXXX ca, I sent CITIBANK the XXXX POLICE DEPARTMENT case # which is XXXX. 

A detective named officer XXXX had also agreed to work on the case. 

The 2 officers who showed that day right away had said they hoped to get my money back but CITIBANK denied my request for a return of the {$700.00} to XXXX. 

This XXXX  transfer was done through my checking account and my only checking account with Citibank. I also called " XXXX XXXX '' who is the branch manager with the bank i had opened my account with in XXXX XXXX and he claimed that he doesnt handle any fraud at the branch and that i would basically have to call the number on the back of my card. He had initially told me he would give me a call back to see what he could do but upon calling back at the time he said he would be able to talk to me, the bank affiliates gave me a phone number to the CITIBANK in XXXX XXXX saying that he is there for the rest of the day.
Product: Credit reporting or other personal consumer reports

I received a notice on XX/XX/XXXX  that a hard inquiry had been done on my Transunion account. The hard inquiry was for a new credit card. I also received emails from XXXX XXXX  that a credit card was approved in my name. I went to a XXXX XXXX and told them that I did not apply for a new card. I have never had any kind of accounts with XXXX XXXX. I do not believe that any charges were made as I received an email from XXXX XXXX  stating that the card would be received in 5-7 business days. The card was approved for a credit limit of {$15000.00}. 

XXXX XXXX  called their fraud department, and the credit card has been stopped. 
I have also called Transunion and have requested a 1-year fraud alert on my account. I have also gone to my bank ( XXXX XXXX  ) to let them know what happened. I am also filing a report with my local police department. 

I have also contacted the Social Security Administration to let them know my SSN was compromised. 

My big concern is that XXXX XXXX  had all of my pertinent information to include my name, email address, home address, and my social security number.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report. Experian does not properly investigate disputes and fails to remove or reinserts errors on reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 i went to XXXX XXXX to open a credit card and they submitted my application and request came back that experian credit agency was frozen. banker asked me to call experian at the following number XXXX to have the freeze released. when you call they give, you two options to release the freeze 1- create experian acct online@www.experian.com or option 2 send letter to experian i, chose option one and opened an experian acct online. i released the freeze and the next day i called my banker to let them know i had done so that is when the banker told me that i now had to use XXXX to order credit report. XXXX was also frozen so on XX/XX/2023 i called the number provided from XXXX XXXX  for XXXX  and could not get customer service individual to help only automated service.i decided to open an online account for XXXX and i provided confidential information including social security number, date of birth, full address and telephone number. when i hit enter button a pop up screen appeared asking me to give consent for XXXX  to pull credit on my behalf and i clicked yes.when i hit enter and went to the site all applications like freeze account was not available nor were any other choices on their site were also temporarily unavailable.I called the number for XXXX  and when i did there was a clunking sound on the phone and a very unprofessional woman answered with child crying in the background who said she could authenticate me with 5 questions to unlock freeze and no PIN required and she released the freeze.then XXXX ordered credit on XX/XX/2023 and credit card was approved, then I received 2 copies in 2 seperate envelopes of my credit report from XXXX in the mail on XX/XX/2023. the report dated XX/XX/2023 showed no inquiries but the report dated XX/XX/2023 showed an account review inquiry that had " my name via XXXX Interactive In '' and ( phone number XXXX ) and this was requested two times on XX/XX/2023. On XX/XX/2023 received a report dated XX/XX/2023 from XXXX showing another account review inquiry from XXXX  ( phone number XXXX ) with two requests dated XXXX and XX/XX/2023. 
I did not make these requests and have contacted social security, filed a police report and am filing this report. As of today I have no idea what my credit was used for in the 4 requests that I have mentioned that I did not authorize. there are no valid contact numbers that I can locate for either of the companies that have submitted credit requests on my behalf.
Product: Debt collection

In XX/XX/XXXX I amassed an outstanding debt of {$3300.00} with my leasing company. It went to National Credit Systems , Inc. for collection. I was contacted via phone in XX/XX/XXXX. Payment arrangements were made and began in XX/XX/XXXX. No written documentation was received concerning verification of said plan at that time nor was any other confirmation sent ; however, payments did begin as scheduled. For some reason, the auto-payments stopped in XXXX and I did not notice until XXXX. At that immediate time, I called NCS to rectify the situation. I was told, after much verbal abuse, that I had been informed the payments would stop after 6 months and that any derogatory reports to credit agencies would not be removed. Keep in mind that NO written notification was sent NOR any voicemail left to continue or restart payments. At this time, in XX/XX/XXXX, I disputed this. Then, in XX/XX/XXXX, I requested a copy of the phone transcript which would prove either my stance or theirs ( NCS ). NCS refused. 

Those derogatory reports have negatively affected my life and I strongly believe if such reports are going to be made and defended, documented proof must be provided to the consumer, i.e. phone transcripts.