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

Title 15 of the United States Code, Section 1681, commonly referred to as 15 USC 1681, pertains to the Fair Credit Reporting Act ( FCRA ). This statute regulates the collection, dissemination, and use of consumer credit information, aiming to ensure accuracy, fairness, and privacy in credit reporting. It outlines consumers ' rights regarding their credit information, including the right to access their credit reports, dispute inaccurate information, and limit who can access their credit file. Additionally, it imposes obligations on credit reporting agencies and furnishers of credit information to maintain accurate records and investigate consumer disputes. Overall, 15 USC 1681 plays a crucial role in promoting transparency and accountability in the credit reporting industry.

Please be advised I will take legal actions next. I've never done buisness with this company AWA never so why are you continuing to report this on my credit Why do I have to fight this bad when we have unlimited credits anyway and have been lied to our whole lives. Even to the person reading this, do your research and remove this immediately because you are not following the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made several attempts to resolve incorrect items being reported to Experian. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1. XXXX XXXX XXXXXXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX 4. XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these hard inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XXXX XXXX, 2017 Equifax admit it discovered the breach more than a month prior on XXXX XXXX. For " 41 '' days my Intellectual Property ( IP ) were exposed to, and were unaware of potential identity theft during that time. Equifax gathers private intellectual data also known as sensitive financial data on consumers ' payment history, then sells data to banks, insurance companies, potential employers, landlords, and government agencies in the form of a Consumer Credit Report ( " Credit Report '' ). As a result of Equifax 's data breaches, I have suffered or will suffer damages, including the costs associated with fraudulent purchases, identity theft, theft of funds, fees paid for credit freezes, damage to credit scores, the cost of identity theft protection.
Product: Mortgage

According to Ocwen employee with Employee ID # XXXX, Ocwen has initiated foreclosure proceedings against our property. Ocwen entered into a National Service Agreement with the CFPB and with attorneys general and state banking regulators in XXXX states, and XXXX. The consent order addresses Ocwen 's misconduct during the mortgage servicing process. It also covers XXXX companies previously purchased by Ocwen, Litton Loan Servicing LP ( " Litton '' ) and Homeward Residential Holdings LLC ( previously known as American Home Mortgage Servicing, Inc. or AHMSI ). AHMSI was our previous servicer prior to Ocwen. Ocwen must adhere to significant new homeowner protections. The consent order requires that Ocwen follow the servicing standards set up by the 2012 National Mortgage Settlement ( NMS ) with the XXXX largest banks. According to the consent order, Ocwen was to provide us a copy of loss mitigation statement in one or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. We have received a certified letter from a foreclosure attorney which means Ocwen did not provide us a loss mitigation statement no later than 14 days prior to referral to a foreclosure attorney and is in violation of the consent order.
Product: Credit reporting, credit repair services, or other personal consumer reports

All student loans were consolidated back in 2017.

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated.

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and XXXX XXXX XXXX XXXX XXXX still shows me INCORRECTLY in Default!

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay for my graduate school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information!

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my right to privacy, According to 15usc1681 ( a ) ( 4 ) - ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have a right to privacy as a federally protected consumer. Transunion has also never proved that they had permissible purpose under 15usc1681b ( a ) ( 2 ) which says that 15usc1681b ( a ) ( 2 ) - Subject to subsection ( c ), any consumer reporting agency may furnish a co
nsumer report under the following circumstances and no other : ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.
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 account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

On XX/XX/year> I made an atm deposit of {$55000.00} on XX/XX/year> my account reflected the funds available. I went into BMO in XXXX XXXX XXXX to purchase a cashiers check and I was told I couldnt because the check had just been processed and needed to clear. So I said the funds are in my account they said yes but we need to wait. I left mad and called the customer service bank number. The rep there told me I had the funds available to me to use as i wanted. She suggested I go into another branch. So I went into the XXXX XXXX BMO. Same run around but more with discrimination as to how does a XXXX have these funds type of attitude. The assistant manager XXXX proceeded to ask why I need the cashier check so I said Im buying a car and she said so why did your dad wrote you a check for {$55000.00} from his estate and not just write you the check to the dealership. I was livid and I called her an XXXX and told her its from an estate account from my deceased father. That check was written to me. She said oh I left mad XXXX  XXXX. Went to eat with my daughter and when I went to pay my card declined not once but several times. Now Im super mad I call the customer service # only to be told the branch froze my account and put it on a credit only base. That I should go in and speak to them. So I go to my home branch on XXXX  and they are confused as to why the assistant manager at the other branch did what she did. So they re directed me to that branch the XXXX  XXXX. I walk in ask to speak to the assistant manager and shes proceeded to tell me she found it very suspicious that I just deposited and now I wanted to withdraw and I was like ok so what was your reason for freezing my account. She said I dont have to tell you anything and I said yes you do. You not only put a hold on the check for {$55000.00} but I cant access my other {$9000.00} I already had. She said and you wont be able to. Ill decide when I relive the feeeze. Its going to be investigated and Ill decide if I remove it or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They have removed the report from one of the credit bureaus but not the others. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Product: Debt collection

I have a judgment again me from a XXXX XXXX XXXX from back in XXXX. XXXX XXXX XXXX says the original creditor was XXXX. I have no idea who this company is. It has since been turned over to the law firm of Abbott Osborn Jacobs PLC. I requested in writing for validation of this debt back in XXXX from the law firm and all I got back was the judgment. 
I already knew the judgment as I couldnt get more info or knew what to do before the judgement was entered back in XXXX. Eight years went by before i got communication for this " supposed '' debt. 
Now the law firm is trying to garnish my wages. 
on XXXX contacted the law firm for more info, as i was told i could not talk to XXXX XXXX as the law firm represented them. I asked the law firm to contact XXXX XXXX to get the information from the original creditor XXXX. I was told they would not do that. 
Looked up XXXX online and found a phone number to call. I called the number and it was answered " a XXXX XXXX '' by a gentlemen with a foreign accent. I told them i was calling about an old debt i might have. He replied, Ok Thank You.. then hung up. 

I have filed a Motion to Quash and Request a Hearing with the courts to get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday, XXXX XXXX, 2019 Completed and signed authorization to release my credit report from Experian to XXXX XXXX. 

Friday, XX/XX/2019 Received the following e-mail from Experian Hello XXXX XXXX, XXXX XXXX has invited you to join Experian Connect and view your credit report and score securely. 

To respond to this invitation, please click here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and be sure to use this email address. 

Here is a personal message from XXXX XXXX : I would like to view your credit report by using Experian Connect XXXX XXXX XXXX  XXXX XXXX Contacted Experian via phone to release my credit report to XXXX XXXX at XXXX   XXXX. I was informed that there were no restrictions to view the report. 

Monday, XX/XX/2019 Received a 2nd e-mail from Experian Hello, For security reasons, Experian Connect will not allow you to use this service if there is a fraud alert or a security freeze on your file. We apologize for any inconvenience this may cause. You will have to remove the fraud alert or freeze from your Experian credit report before you can register for this service. You can call XXXX and a live representative will be able to assist you with the removal process. Once the alert or freeze is removed you must wait at least 72 hours from your last registration attempt before you can try again. 

If you are interested in getting a copy of your credit report you can visit XXXX where you receive one free credit report per year. You can also send a written request to Experian, XXXX XXXX XXXX / XXXX, TX XXXX. 

Thank You, Experian Connect Support I completed the application to view the Experian credit report at XXXX, but was denied access. 

I called Experian on three ( 3 ) separate occasions to request an immediate copy of my credit report and was denied. I was informed the credit report will be available in 7 to 10 days. 

I informed Experian I was unemployed and needed an immediate copy sent to XXXX XXXX, and that I couldn't wait 7 to 10 days, and was denied immediate access to my credit report.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

HSBC Claims that they haven't taken care of my issues and send me a letter that i'm no responsible for my frad case but as of yesterday i gotten an email stating that it's not over, i dont know what is the issues with this company i have to feel stress and lose more of my time so now i'm here again and want the world to see how horrible this company really is and i don't think people should bank with this company at all!!!
Product: Money transfer, virtual currency, or money service

I have been a Coinbase.com customer since XXXX. On XX/XX/XXXX, I was asked to update my account personal information and verify my ID. I successfully completed these steps but my account has been under review since then. Coinbase displays the following message every time I log to my account : " Account under review - Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. ". Using Coinbase is not possible until the account review is completed. I am unable to withdraw my funds from my Coinbase account, deposit funds, or proceed with any kind of transactions. I tried to contact Coinbase several time and have not got my account reviewed and unblocked till today XX/XX/XXXX. That is now lasting for almost 2 months, while Coinbase claims it should have taken a few days. I did open a first ticket on XX/XX/XXXX which they closed on XX/XX/XXXX stating that " Coinbase Support resolved and closed your case. '' but my account was still under review and showing the same message when I did log in. I opened another ticket on XX/XX/XXXX but did not hear anything back so far, despite several follow up emails sent to them. I tried to contact them another time today, opening another ticket. Coinbase is not responding and is blocking my funds on their system.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I received a call from upgrade saying that my payment was past due. I authorized 1 payment for XXXX  for XX/XX/XXXX. But on the XXXX of XXXX they withdrew 2 payments of XXXX  and tried to take a 3rd payment which was returned insufficient funds. This returned item cost me XXXX} for a return fee. On XX/XX/XXXX when I realized this, I called them and asked them to return the payment and was told they would return the extra payment asap. I was told to wait up to 10 days. Today when I called because the money has not been returned yet I was informed that since the next payment was due XX/XX/XXXX they kept the funds because it was too close to the next due date to refund it. I do not have an agreement with Upgrade for automatic payments and have not had for over a year now. They did not have authorization to take the 2nd payment out of my account and it is to my understanding that this is considered theft of funds. Plus they caused an overdraft fee of XXXX They are still refusing to return the funds even though they took them without my authorization.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the XXXX  credit reporting agencies, XXXX, Equifax, and XXXX, for willful non-compliance in not removing old outdated information from my credit report. This non-compliance is negatively impacting my creditworthiness and causing significant harm to my financial standing. 

This marks the seventh occasion where I have contacted the credit reporting agencies to voice my discontent with the inaccurate personal details they have published. Despite my repeated attempts to rectify the situation, the credit reporting agencies have failed to take appropriate action to remove the outdated information from my credit report. 

I am particularly concerned about the extensive coverage of topics pertaining to my community, which has left me feeling unsettled. The broad scope of information published by the credit reporting agencies has created misrepresentations and misconceptions about my creditworthiness. I believe it is crucial to clarify the genuine advantages and factual changes that I am familiar with, in order to rectify these inaccuracies. 

To ensure the accuracy of my personal information, I would like to provide you with the correct details : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Employer : XXXX XXXX  Additionally , I have identified several incorrect addresses and employers that need to be deleted from my credit report : Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Incorrect Employers : XXXX XXXX XXXX I respectfully request that you take immediate action to rectify the errors mentioned above. These inaccuracies are negatively impacting my creditworthiness and could have severe consequences if a prospective employer or financial institution requests a copy of my credit report. I have enclosed copies of my Driver 's License, Social Security Card, and a recent Utility Bill to validate my identity and ensure the provision of accurate information. 

I appreciate your attention to this matter and your assistance in resolving these issues. I trust that the Consumer Financial Protection Bureau will take the necessary steps to hold the credit reporting agencies accountable for their willful non-compliance and ensure the accuracy of my credit report. 

Thank you for your prompt attention to this complaint.