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

I write political emails because I find the press and other entities become aware of the public 's views on issues. However, doing so makes me vulnerable to attacks and tracking. 

I am a 100 % XXXX Veteran and a XXXX  Veteran of XXXX years, XXXX XXXX and XXXX XXXX XXXX XXXX by the VA regulatory requirements. 

The lawsuit regarding the XXXX big reporting bureaus gave me lifetime protection from people searching me, et al. However, this does not work, and it is not doing this, and wants to charge me instead. 

XXXX, someone got into my XXXX email and took over my email. They called my contacts, to my credit union that I was XXXX ; I needed money and a lot of shenanigans. 

It was a XXXX account, essentially a bot, possibly XXXX. I go whoever took it over removed. However, it took a lot of workcomplaints to XXXX XXXX XXXX, the CFPB, the Michigan AG, & the FBI. 

I won a lawsuit for credit scams from XXXX of those lawsuits ; it was for the major reporting agencies. But it is supposed to protect me from scammers, i.e., " XXXX XXXX XXXX XXXX XXXX Now, XXXX wants to charge me for these services. 

I won the lawsuit a year or so ago. How do I find out why this is not being implemented or covered? 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

this is my story i had a acct with a bank called XXXX last year, XXXX night when it was late and i was bored i went checking out dating sites to see who offered trial memberships, cause i had very little money in my acct. so i found a place called XXXX i believe they offered a 3 day trial for like XXXX and change or XXXX and change, now knowing i could not join for a month plus i did not just want to i checked there 3 day trial period put in my info hit submt, next thing i know it shows on my comp i successfully upgraded to 6 months for XXXX i almost dropped dead. i immed called them told them this was there error correct it at once they were very rude nasty and hung up. the following day i called XXXX bank explained what happened they said they would dispute it. well end result was the bank took the merchants word over mine, why in gods name would i sign up for a 6 mo membership at that price when i only had about XXXX dollars in my acctso because i believe i was treated unfairly by the bank and they took a complete stranger say so over there customer i closed the acct, since that day they have continued to add charges to the orig wrong amount that now its over XXXX XXXX dollars. now a collection agency is threatening me with action unless i pay this immediately there name is cbhv located in XXXX ny, i sent them a letter telling them the bank was at fault not me but even though i was not at fault i was still willing to work something out but not for over XXXX hunfred dollars, they if not today should rec this letter this week, in todays mail another letter came telling me i have 7 days to pay or whatever, so i tried to call the office and explain my situation and work out some kind of agreement even though again i was not wrong. i called them 4 times said who i was each time they hung up so now im fed up with them period. i want complaints filed against them as many as you can.. there phone number is XXXX XXXX XXXX if you call good luck you are gon na need it. what i had intentions of doing which i stated in my letter i sent to them even though this whols matter was not my XXXX im no fool and choose to not be treated as XXXX. the name of that site i believe exactly was XXXX is to split the difference, but im on a fixed income ss XXXX and have many bills to pay here this so called collection co i call the XXXX artists when i called 4 times and was hung up om didnt even let me say a word, i feel first i was in the right all along and was not believed then even when i was willing to compromise and split the diff only over a period of time and was hung up on 4 times they deserve nothing no longer. but if they are willing to talk ill listen but it has to be on my terms any help you can give me will be great im no fool and im not gon na be treated as XXXX by anyone. the name of that site i believe is XXXX i think any assistance you can give me would be greatly appreciated. ty regards. XXXX XXXX my email XXXXXXXXXXXX or phone XXXX ty again XXXX XXXX
Product: Consumer Loan

In late 2010 we opened a car loan account with BMW Financial after paying by mail for a number of months, we contacted customer service at BMW Financial to set up our auto-pay. They walked me through the process, i specifically asked if I need to make an interim payment and they said no. 33 Days later I just happened to check my account, because i had not seen money removed from my bank account. i contacted BMW directly and they said I was late 33 days and needed to pay for the missing payment during the transition period. They also said although it was technically beyond 30 days, that they would not report it as late due to the circumstances. I did not realize that they had reported it as late until months later after applying for a home loan. The account was paid off entirely and they have been unhelpful in my efforts to remove the erroneous report from my credit.
Product: Money transfer, virtual currency, or money service

I've already contacted every agency I can think of about this theft. SEC, FTC, CFTC, MN XXXX XXXX XXXX, XXXX, and the XXXX. I've already leveraged this complaint with the CFPB per complaint ID XXXX, however the CFPB refuses to actually take action against Coinbase for their theft, and so I intend on resending this complaint again and again and again as long as I need until it is resolved. 

On XX/XX/2021 I purchased XXXX XXXX  at XXXX per XXXX  for {$6.00}, or {$7.00} after fees. I was properly given the XXXX XXXX. Then days later Coinbase stole XXXX XXXX from me without warning. I have evidence of this via a receipt, via video, via pictures, and via screenshots. Had I purchased only XXXX XXXX at the quoted price then it would have cost me {$0.00}. If I'd purchased at the current price as of writing this ( {$0.00} ) then it would have cost me {$1.00}. Not only have Coinbase stolen my crypto, but they have also stolen my money. The math doesn't lie.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX To whom it may concern Delete this account because : 1. It was illegally re-aged. On my XX/XX/XXXX report it shows XX/XX/XXXX, and on my XX/XX/XXXX report, it now shows XX/XX/XXXX in the dola. *see attached document * XXXX. Account number is different *see attached document* XXXX. The amount is different *see attached document* This is damaging my credit because they are allowing this company to report illegal, inaccurate and incomplete information on my credit report. 

Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To Whom It May Concern : Re : Demand to Remove Incorrect and Obsolete Address Information Under the Fair Credit Reporting Act ( FCRA ) Social Security Number : XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally request the removal of obsolete and incorrect address information from my credit file. According to the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information and to investigate and correct inaccuracies within a reasonable timeframe. 

The following address ( es ) are no longer valid or associated with my ability to receive mail and must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following names are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation upon receiving a dispute regarding the accuracy or completeness of any item in a consumers file. Additionally, 15 U.S.C. 1681e ( b ) mandates that you adopt reasonable procedures to ensure the maximum possible accuracy of the information reported. 

I am providing the following documents to verify my identity and current address : 1. A copy of a government-issued ID. 
2. A recent utility bill showing my current address. 

I request that you update my file to reflect only my current address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Please complete this correction within 30 days, as required by the FCRA, and provide me with written confirmation that the outdated address ( es ) have been removed from my credit report. If you fail to address this matter appropriately, I may be compelled to escalate this issue by taking other legal action. 

Should you require any additional information to process this request, please contact me at XXXX or via email at XXXX. Thank you for your immediate attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

When i purchased the furniture i had no idea i would be paying for the item 3 times if i didnt pay it off in 90 days that was not explained to me when i purchased the item. Not sure who receives this much interest off XXXX item
Product: Debt collection

On XX/XX/19, I received a letter from this debt collector about a bill that is not mine. My wife called the company and gave account number and name of the collection notice and representative for debt collector asked for my last 4 digits of my social and she refused ; stating that she had already verified by supplying account number and name. The representative stated he needed his social security number, he refused to look up account number. I do not owe this debt and believe it is fraud. I have no knowledge of this account nor never received any bills from this company.
Product: Credit card

Hi my claim has been denied once again and I send a supporting documentation to Truist to let them know the balance transfer of XXXX was send to that bank was fraudulent and the creditor has send me a letter letting me know that I wasnt held responsible for the credit card and that I should call Truist to get the XXXX back. Within 90 days Truist denied my claim and I send them documents back on XX/XX/XXXX and never received a response for a claim number XXXX
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed public records that i did not approve or had anyone pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : Knowingly Reporting To All Three Credit Bureaus Fraudulent Account Status, Balance, Payment etc. Information. 

As you can see from the attachment XXXX XXXX XXXX  is reporting my last payment was XX/XX/XXXX and the account was closed/charged off with a balance of {$850.00} on XX/XX/XXXX. 

The supporting documentation completely contradicts their claims. As you see XX/XX/XXXX they accepted a payment, XX/XX/XXXX I could go to my online account to view my statement. Now the balance is paid they have suspended my account and reporting that the account is closed/charged off with a balance of {$850.00}. This inaccurate and negative remarks have adversely effected my credit score all while taking my payments. 

Please investigate this illegal activity and remove this misinformation from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the credit REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and came upon an alleged XXXX XXXX  Bankruptcy reporting on my consumer credit report. This is an error and Equifax has violated my federally protected privacy rights by reporting such false information on my consumer credit report. I have filed a notarized Affidavit with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  notifying them of their potential violation of state and federal law by providing Equifax with my private court records. I received information back from the aforementioned Bankruptcy Court stating they do not report to or provide information to any credit reporting agencies. Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), Congress states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I did not authorize or give anyone access to my private and confidential records, including the alleged BANKRUPTCY XXXXXXXX XXXX XXXX # : XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Hello my name is XXXX XXXX reason for the contact is cause of the company listed they are a payday loan an charging me 598 percent put of XXXX  there are a tribal lender which I live in XXXX  an from what I have read what they are doing is criminal XXXX XXXX XXXX XXXX so I stopped paying the loan cause the payment i made is like it did nothing an it went rite back up so if they take me to court I mean under sub section XXXX that the excess interest in not enforceable so do I let it get to that point or what should I do since starting the loan I have had fraudulent with in the company to where I have been charged from put sourced companies to where I have had to close my account an card if you can please help an contact them or me cause what they are doing is illegal they gave me a XXXX dollars at 598 percent when I tried to return it an cancel they told me it was signed an i was basically beat an now I would have to pay back XXXX dollars on a XXXX dollar loan so please if you can help
Product: Checking or savings account

On XXXX  I submitted a fraud claim due to my account being compromised when my phone was stolen. I gave them the exact dates it was stolen which coincides with when my bank account was compromised. I never received any phone calls or emails in regards to the transaction that happened only a letter stating that a check bounced with my a plagiarized signature on the copy of the check. I was not in possession of my card and the only card I had from was expired and they never sent a new one. When I submitted the claim I had to create a new user id and password for my bank account and request a new card. This bank has a zero liability policy so although I was really worried about my information being stolen I trusted Navy federal to handle this matter. They immediately denied my claim so I went on to submit an appeal XXXX  I waited months to hear back from them and nothing and my account was closed without any warning. There was also a credit card application put in at the time my account was compromised thankfully it was denied. I asked them what information could I provide that would help but they didnt have anything that I could send in that would help. Since then another one of my bank accounts got compromised however that bank was able to retrieve my funds, protect my account and locate the person that hacked my account. Navy federal has done nothing to help and the balance is extremely high over {$4000.00}. I have had a car loan with navy federal and family who also banks with them and ive been with them for years and they have not been of any help in this matter. I recently contacted them on XXXX  and they were not able to give me and update and told me that the balance is on me now they have a zero liability policy which this goes against. I in no way have any connection to when my phone got stolen and my account got compromised and it is upsetting that I am now being held accountable for this crime
Product: Credit reporting, credit repair services, or other personal consumer reports

Following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

On XX/XX/2020, NCB MANAGEMENT SERVICE add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGEMENT SERVICE has violated my rights as a consumer and now I request legal action to remove this account immediately.