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

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX - XXXX {$6100.00} XXXX  XXXX - XXXX {$4700.00} XXXX XXXX  - XXXX {$2900.00} XXXX - XXXX {$8700.00} XXXX XXXX  - XXXX {$740.00} XXXX  - XXXX {$12000.00} XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - XXXX {$1000.00} Accounts : XXXX - XXXX {$75000.00} XXXX  - XXXX {$5800.00} XXXX XXXXXXXX XXXX - XXXX {$62000.00} XXXX XXXXXXXX XXXX - XXXX {$12000.00} XXXX XXXX XXXXXXXX {$6100.00} XXXX XXXX XXXXXXXX {$4700.00} XXXX XXXX XXXX XXXXXXXX {$190000.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX  XXXX. XXXX XXXX  XXXX. XXXX  XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX
Product: Debt collection

First let me state that I my information has been compromised by XXXX Data Breach as well as XXXX Data Breach. I noticed a recent charge on my credit report initially from XXXX, dba XXXX. Per CFPB Validation Notice Letter, a precise request, following CFPB guidelines, on XXXX XX/XX/XXXX to XXXX. Per CFBP Debt collection rules and Debt collection rights ; XXXX failed to follow CFPB guidelines and comply with FCRA and FDCPA " VALIDATION '' per the letters request, within the 30-day guideline ( XXXX ). 
The company, XXXX sent a noncompliant response, dated XXXX XX/XX/XXXX providing an " enclosed account summary which provides " verification of debt, '' NOT VALIDATION ( see attached ), not in compliance with FCRA nor FDCPA. XXXX failed to VALIDATE within the 30-day deadline. In addition to violating FCRA and FDCPA, XXXX requested " contact one of their Customer Service Representative . '' A debt Validation Notice was sent via certified mail to XXXX On XXXX XX/XX/XXXX, which XXXX acknowledged receiving ( see attachment ) a copy of the letter on XXXX XX/XX/XXXX ; per certified documentation. However, XXXX in their written communication responded as XXXX XXXX XXXX & but are reporting to credit bureau as XXXX. 
It appears that this company is practicing unscrupulous monopolizing practices and is unable to decide if they are XXXX or XXXX XXXX XXXX ; either way, it is illegal to report the same debt ( double dip ) as two separate companies. It's called " monopolization '' and under FTC regulations, it is violating 9-28.000 it's illegal. As such, I've also filed a complaint with DOJ with their documentation as well regarding debt reporting as two separate companies ; i.e. sending correspondences as XXXX and reporting to credit bureau as XXXX on my credit report. 
Again, XXXX XXXX failed to comply with CFPB guidelines, FCRA nor FDCPA, Validation Notice Letter as set forth by US Congress . 
Either way, XXXX failed to comply with the 30-day regulation by failing to validate the debt ( see attached Validation Notice Letter sent ) ; as such, failure to comply requires that XXXX must immediately remove/stop negatively reporting to all 3 credit bureaus. 

Additionally, I had accounts with Synchrony Bank ( Care Credit ) & paid my debt. I also called PayPal and spoke with a representative that stated I 'did not have an account that I owed at PayPal . ' When I asked if she could send me an email confirming it ; she stated I 'did n't need one b/c I didn't owe anything. ' I know the company records their messages and can listen to the message.
Product: Debt collection

I got calls from XXXX XXXX XXXX XXXX XXXX XXXX. She left voicemails with very personal information including my address on my x husbands phone ( there was a XXXX ) she left the same voice mail on my boyfriends phone. Threatening legal action, giving my address, and disclosing personal information. When I spoke with her she told me the debt she was trying to collect was from check into cash, from XX/XX/ 2015. I pointed out the age of the debt and she just simply said it didnt matter. The debt occurred in Colorado, statute of limitations on this debt is 6 years. Its been 9. She is still calling and threatening legal action, on a debt that exedes the statute of limitations on legal action. Its my understanding this is against the law, and that they may not threaten legal action after 6 years no can they take me to court, it seems as they are unaware or they have simply decided this does not apply to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Wells Fargo account being advertised on my consumer report. I initiated this transaction using my " credit card '' and my privacy is being violated. I was made to believe that it was mandatory for the furnishing of this charge-off. I have come into information that leads to believe this is false and predatory. Fair Credit Reporting Act does not even define a charge-off. The financial institutions and credit reporting agencies have colluded to infringe on my rights by monopolizing my personal information. I was never given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and nor was given an explanation of how I can exercise that nondisclosure option. Subsequently, I have been charged excessive interest as a result of the lower credit rating following this. 

I am citing that Wells Fargo is in violation of Title 15 of the United States Commercial Code Chapter 94 subsection 6802 [ B ] [ C ]. I am aware of the civil penalties associated with these violations. 

I have made a report with the Federal Trade Commission on XX/XX/2022 in the same manner and with the same power and authority as the Commission has under the Fair Debt Collection Practices Act [ 15 U.S.C. 1692 et seq. ] engaging them to enforce compliance with such Act.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I have been trying to resolve with Goldman Sachs since XX/XX/2023. On this date, I disputed a charge of {$66.00} from XXXX XXXX. However, on XX/XX/XXXX, I was informed that the charge would remain on my account. 

In response, I requested the case to be reopened on the same day. On XX/XX/XXXX, I provided additional evidence, including confirmation from the merchant that the transaction was unsuccessful. Despite this, on XX/XX/XXXX, Goldman Sachs maintained that the charge would remain on my account. 

On XX/XX/2023, I once again requested to reopen the case and provided further information to Goldman Sachs. Yet, on XX/XX/2023, I was informed again that the charge would remain on my account. 

I escalated the matter and spoke to a supervisor named XXXX. She informed me that they had not received any documentation from the merchant to support my claim for the {$66.00}. XXXX also stated that I had not provided evidence that the reservation was cancelled. I clarified that there was no cancellation because both the merchant and the website confirmed that the transaction was unsuccessful. 

Recently, I informed the merchant that Goldman Sachs confirmed the transaction went through on their end. However, the merchant has refused to respond to my communications. It is also worth noting that Goldman Sachs has refused to take into account the confirmation from both the merchant and the merchant 's website that the transaction was unsuccessful. Instead, they are solely accepting the merchant 's terms and conditions. 

Despite providing screenshots as evidence of the unsuccessful transaction, Goldman Sachs has refused to refund me for services that were not rendered. I believe this to be an unjust situation and I am seeking your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX : Timeline and Evidence sent to Goldman Sachs on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Money transfer, virtual currency, or money service

Issue : I made a money transfer to Coinbase , Inc. from my bank account, but it was never credited in my account. 

On XX/XX/XXXX, I made a SEPA payment from XXXX XXXX XXXX XXXX XXXX XXXX to the address/account specified by Coinbase : Recipient 's XXXX : XXXX Recipient Name : XXXX XXXX, XXXX. 
Bank Country : XXXX XXXX Name : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, XXXX Recipient Address : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX / XXXX : XXXX However, this money has not been credited to my Coinbase account. 

I first contacted their customer support ( XXXX ) on XX/XX/XXXX. I received a generic response and emailed back on XX/XX/XXXX. On XX/XX/XXXX I received a slightly less generic response with suggested one action, which I undertook but it did not result in resolution. 

I have since emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX I received another email from Coinbase support, but it was clear that this was a generic message and they are not taking any action to find my missing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Received letter from XXXX XXXX XXXX stating it was a 'pre-legal notification ' and that they were 'considering forwarding this account to an attorney in your state for possible litigation. ' Gave them a call. Representative had a heavy accent and there was a lot of background noise in heavy accents. Hard to understand sometimes. Asked rep to verify the debt. They were insulted that I asked to do that. Explained that the current situation with coronavirus made it very difficult for us to make any payment arrangements because of unpredictability. Current financial situation was not good. Asked about making specific amount payment to show good faith. Rep was upset and said that if I do not agree to their terms of {$100.00} bi-weekly, they will send my account to an attorney and have me thrown into jail. 
I told them that it was not appropriate to threaten me in this manner. They said that it was appropriate because I was not cooperating. I refuted this by saying I made the call and made the offer to do a good faith payment. They then mocked me by saying 'If you don't have the money, why did you give us a call in the first place? ' I again made the offer to make a good faith payment - and if I could make the payment online. They then insisted that there was no website and that payment could only be done on the phone with them and only if I was willing to agree to {$100.00} bi-weekly automatically taken out of my account. Their letter states they have a website at XXXX. When they said that, I said your letter has that info - they again denied that they had a website. They then asked why I had not verified who they were - why didn't I ask them for their info. 
I said again that it was not appropriate to threaten or belittle me. They then claimed that they never threatened me with throwing me into jail. I responded 'bull ' and they hung up on me.
Product: Debt collection

The debtor is Sterling Jewelers, their XXXX number is XXXX. 
They do not leave messages and they implore several numbers across the US. Different states and cities and again they do not leave messages and in some cases the number does take call backs.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 a Accounts : XXXX XXXX XXXX  Account # XXXX adet opened XX/XX/XXXX bal. {$41000.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$23000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

My personal information was compromised and fraudulent accounts were opened in my name without my consent. I notified the creditor than Im a victim of fraud and the creditor agreed to remove this account from my reports. After several disputes attempts, creditor still hasnt removed this erroneous account from my credit reports. 

SYNCB/XXXX  : {$2700.00} Date Opened : XX/XX/2017
Product: Debt collection

A collection account has been added to my credit profile by LVNV FUNDING LLC. XXXX discharged this Debt. I am also paying the original Debt to the XXXX XXXX XXXX. This Debt had no right to be sold. I became disabled when I had this account and informed XXXX that I was enrolling in XXXX XXXX XXXX in XXXX  because I could not work. I have seen this Debt three different times.
Product: Debt collection

Several months ago, I was a victim of identity theft. Someone opened, and attempted to open, a number of accounts in my name, and made charges on some of them. Despite the inconvenience, I was quickly able to clear this up with the several financial institutions involved. All were sympathetic, extremely helpful, and professional in reviewing their own records to verify the facts. All except one... 

Apparently, someone either opened an account or made some sort of charge in my name with XXXX XXXX. The amount was {$6.00}. I never got a bill from the retailer. I do not have an account with them. I have no paperwork whatsoever regarding this charge. I don't know what is was for, when it happened, etc. But I started getting calls and correspondence from XXXX XXXX XXXX. One of the things they sent me said I could go on their web site and report that this was an incident of identity theft. I did so. But I still continue to get phone calls, sometimes several a week, from them. Sometimes, they hang up the phone as soon as I answer it. On other occasions, I have spoken with their representatives and explained the situation. Just today, I got a call. The woman said I had to provide some written documentation " proving '' my case. I asked how one provides documentation about a transaction one had nothing to do with, and has no information about. The time before, I asked the man who called to send me anything in writing they had that supported their claim that I was, in fact, responsible for this charge. He said he would look into it, but never got back to me. 

If they would show me any evidentiary details of the charge, there is a good chance that I could, in fact, demonstrate that it was not me. But I suspect they have nothing, other than some entry in their computers ; so they prefer to try to put the onus on me to prove a negative. 

I am sick of this. If I weren't so stubborn, I would just pay the {$6.00} to stop the harassment. But it has become a matter of principle. 

I would appreciate your help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was having trouble finding a job and I was {$1300.00} behind on my payments. I contacted the XXXX about it since theyre who I pay. We came to an agreement that I would pay {$50.00} extra on my monthly bill for 2 years to pay back the {$1300.00}. I made all of those payments on time but they still kept reporting me as delinquent every month for most of those 2 years. That is Fraud plain and simple on the part of the XXXX. They agreed to the new payment schedule and it was followed with all payments made, so the payments werent late. This needs corrected on my credit immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions