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

15 U.S.C. 1681 section 602A states I have the right to privacy 15 A.S.C. 1681 section 604A section 2 It also states A consumer reporting agency Can not furnish a Account without my writing instructions. 



In according with the fair credit reporting act convergent accounts listed under Equifax has violated my rights Equifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXXK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 late payments during Covid )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX Account number XXXX and XXXX XXXX XXXX reference number XXXX has violated my rights. 

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 report an account without my written instruction.
Product: Credit card or prepaid card

In XXXX of 2016 I was late making my payment due to financial hardship.
Product: Debt collection

Below is a copy of a letter I sent : To Whom It May Concern : I am writing this letter to dispute the above-referenced accounts with your agency. I am disputing this debt due to the fact that it is NOT MY DEBT. I am requesting that you provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( PA ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. On XXXX XXXX, 2016 I mistakenly paid off XXXX of these fraudulent accounts not knowing that I was being deceived. I expect FULL REFUND of the amounts totaling {$230.00}. I have attached proof that these funds have been deducted from my account by your agency ( which is admissible in a court of law ). Please be advised that if I do not receive a full refund within 30 days of the date listed above, these damages suffered by your agency due to frivolous and illegal collections actions will be recovered via lawsuit. Additionally, I have filed complaints with the Consumer Financial Protection Bureau, the XXXX and other government agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. 

I request to be provided specific proof that these alleged late payments were in fact late. I requested to see all statements and payment transaction records from the creditors and credit bureaus that would prove that my payment was not submitted on time. 

I sent each of the credit bureau/s the letter attached and certified on XX/XX/XXXX, certified made it to them on XX/XX/XXXX and they have yet to respond. 

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

Both the creditor and credit bureaus have failed to provide and verify these items for accuracy and unable to provide proof, as well as lacking proof of these payments being late. 

XXXX, XXXX Acct # XXXX ] [ XXXX/DEPT OF ED Acct # XXXX ] Thank you
Product: Credit card

I had applied for Discover in 2020. I got approved. My account was closed on XX/XX/2020. XXXX was only {$12.00}. I paid my necessary balance on time. Was told it was a business decision. No valid reason. Just speculation and I consider it bias as well as unfair. Even discriminatory. I would like to mention it was through the link they did for XXXX business promotion that year! Then a month later after I get the card, it gets closed! Very peculiar situation. I saw my credit score drop XXXX points. I want retribution for the amount of time and hard earnings they took from me.
Product: Debt collection

I call ; ed the company and wrote to the company at least XXXX times stating I closed the account. This should be removed from ALL XXXX credit bureaus. The account was closed by ME not the copnay.
Product: Credit card

I am escalating this to follow up on a ticket from XX/XX/year> ( Case : XXXX ) regarding the funds held for a payment debited from my account on XX/XX/year>, which unfortunately caused my rent payment to not process correctly. This issue has occurred before and has resulted in nearly {$370.00} in fees for me. There is also the potential for another {$50.00} fee if the situation continues, which could prevent me from using online payments altogether. During our phone call on XX/XX/year> when I spoke with the supervisor, I asked if it was possible to have the payment reprocessed automatically, similar to the initial assurance that the payment would be processed the next day at XXXX XXXX  without my intervention. This would be greatly appreciated to avoid any fees resulting from actions beyond my control. The supervisor mentioned she would make a note of this request, it has now been 48 hours and I have not heard from Wells Fargo. It is now five days past when I tried to process my rent payment which is unacceptable. This issue is very serious for me as it has created financial difficulties and unnecessary complications for both myself and the leasing office, despite the funds being debited from my account and intended for submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid off the owed {$260.00} balance via debit card on my XXXX charged off account on XX/XX/2023. Upon disputing it for inaccuracy to reflect that it is paid and closed on all 3 consumer bureau reports and providing proof of payment, moneylion closed the disputes and reported that the {$260.00} still has yet to be paid.
Product: Vehicle loan or lease

im trying to get a vehcle with my info ssn, i, d but they denied my order i dont know why i really need it for my wedding ceremony its a loan of {$2400.00} pls help me get it done i trust you and really believe in you im really sure you will help me out i will give you info you need to get it done just get it done please
Product: Credit reporting, credit repair services, or other personal consumer reports

my account was was on deferment for the months XXXX and XXXX per agreement with XXXX XXXX. and my account was made current. My next car payment was to start on XX/XX/XXXX. Since then I have not been late on my account. 
I recently checked my credit report and seen there was a 30 day late payment added to my report. please thoroughly investigate this matter and update my credit report with all XXXX XXXX  and remove the late payment immediately. or send account ledgers to prove there was a late payment made on my behalf.
Product: Debt collection

I, XXXX XXXX XXXX, am white and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject Aidvantages promissory note and claim of ownership over my name XXXX XXXX XXXX. I command the Department of Education/Aidvantage with the account number XXXX to remove their debt immediately from my credit profile. I am white and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the Department of Education/Aidvantages debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that Aidvantage has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, I CONTACTED XXXX XXXX. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY XXXX LEXIS NEXIS CREDIT REPORTS. 
FOR SOME REASON XXXX XXXX AND LEXIS NEXIS HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH A XXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.
Product: Mortgage

I want to file a complaint of mortgage fraud. I recently learned that XXXX XXXX applied for a mortgage in 2017 and put we were married and put me as his dependent. I would like to state that he is not married and I am not his dependent. Mr XXXX received the mortgage in XXXX, 2017, from USAA Federal Savings Bank c/o XXXX XXXX XXXX  XXXX. The address is XXXX XXXX XXXX   XXXX Ny XXXX. My name is XXXX XXXX, phone number XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized and unverified inquiries!
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any idea about these accounts. This is purely identity theft. These accounts damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

In accordance with Fair Credit Reporting Act 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. 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 would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXX account was paid in full. This is inaccurate. 
XXXX XXXX XI was NEVER late. This account is misleading XXXX XXXX account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXX of last activity is misleading. 
XXXX XXXX was never late. 
XXXX XXXX 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXX HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXX XXXX XXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXX account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!
Product: Credit reporting or other personal consumer reports

Unable to manage my freeze when logged into my account. I receive an error that I can not access my freeze account at this time.
Product: Credit reporting or other personal consumer reports

Logging into Equifax and XXXX the websites are down ( 2 weeks now ). Can't get their computer answering system to work since it can't understand ( sometimes ) voice or pressing numbers. NEVER can get a person in any way to work through this.
Product: Money transfer, virtual currency, or money service

Our company, XXXX XXXX XXXX, is a client of Coinbase, Inc. ( Coinbase ) since XXXX XXXX. 

We used our account for our first transaction on XX/XX/XXXX : We sold XXXX XXXX at a price of XXXX / XXXX a total of USD XXXX after fees that were credited to our XXXX XXXX. 

As per Clause XXXX to the Coinbase Institutional Client Agreement : Client may withdraw funds from the XXXX XXXX  at any time by initiating a withdrawal. 

However, when we tried withdrawing the funds, we were requested to make a wire to Coinbase bank account in order to identify our bank account details and name. After we tried to argue with Coinbase, as there was no legal ground to this request, and under protest, we ended up making a wire so that we could withdraw our fiat balance. 

To our astonishment, although the wire to Coinbase was successful, Coinbase claimed that our company name wasn't shown on their side. We provided Coinbase clear proof that the wire was sent from our account, including bank statement, copy of XXXX XXXX and bank wire notice, but all in vain. Coinbase claimed that as they can not confirm our bank account in their system, they will not allow us to withdraw our funds. 

We were shocked when Coinbase asked us to make another wire in order to withdraw our funds, meaning to increase our exposure to their malfunctioning dodgy business. We obviously refused. 

After threatening Coinbase with legal actions, and raising our concerns that the company is holding funds illegally and that it may be scamming its clients, Coinbase agreed to release funds to us and did so only on XX/XX/XXXX. 

Coinbase showed poor customer service : after raising the matter with our Coinbase Telegram group ( 10 of Coinbase employees were in this group ), we were ignored by their representatives, our questions weren't answered ( no one even bothered to reply to us ) and the handling of our case was horrible. We have worked with numerous exchanges and XXXX services before and have never encountered a company that disparage their clients like Coinbase. 

Furthermore, by holding our funds, Coinbase was not acting in good faith, took unfair advantage of us as a client and we believe Coinbase was liable for conversion. 

In a strange coincidence, after releasing our funds, Coinbase notified us that our account was blocked due until we provided further information for compliance purposes. By doing so, Coinbase was trying to hide its negligence, and unlawful behaviour. 

It is worth noting that by looking at Coinbase XXXX we can see many complaints on similar issues, raising concerns on potential fraud, mismanagement of funds and generally troubling way of conducting business. Please note that posts from XXXX were deleted by Coinbase and we suggest you investigate this too. 

To conclude : we believe that Coinbase is practicing its business in negligence in the best case or even fraudulently in worse case, and believe the authorities should be looking into this company and consider taking actions against it..
Product: Prepaid card

There was {$400.00} and {$200.00} being transferred to a person whom I didn't not know. I found this out when my card declined when attempting to rent another night at the hotel located on XXXX XXXX and the card was declined. I contacted the BoA to get the transfers from going through. When I reached a live person it had been hours, I found out that the transfers were being transferred to somebody name XXXX. I was told that it was too late that there was nothing I could do at that point, but once the amounts showed on my account I could file for fraud. I then had to ask if they would unlock my account so that I could withdrawal some money before they turned the card off. The location was the BoA on XXXX XXXX and XXXX XXXX. I had to wait for my new card to arrive. After that point it was like pulling teeth to spread to a live person I kept having to get my card unlocked due to their Fraud protection filters. Then when most people was notified about the settlement and they would be sending everybody a financial harm compensation check, they failed to contact me and secretly closed my account. I've tried calling them on two occasions and I was told and I quote, that I did not qualify and was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 it alsos state a consumer reporting agency can not fumish a account without my written instructions
Product: Credit card or prepaid card

At the beginning of XX/XX/2022, I lost my wallet and immediately locked all credit and debit cards before ordering replacement ones. On XX/XX/2022, I received my replacement Barclays XXXX XXXX. I activated the card and unlocked it. 
Immediately after doing this, XXXX transactions that I did not recognize or authorize appeared on my balance. The vendors were XXXX XXXX XXXX for {$14.00}, XXXX # XXXX for {$4.00}, and XXXX XXXX XXXX  for {$210.00}. I called Barclays immediately to report fraud and they sent another replacement card. On XX/XX/XXXX, I received a letter from Barclays stating that they found the charges valid due to " chip card technology was used, which can not be counterfeited. '' After calling their fraud department to once again report that I did not make these purchases, they requested that I file a police report to share with them. I have attached a copy of the transactions from my balance, as well as the police report I shared with them. 
I also placed a fraud report on my credit report and submitted a claim with XXXX to ensure Barclays I did not make these purchases, and have attached copies of those as well. 
After receiving these documents on XX/XX/XXXX, Barclays started another fraud investigation. I have now been sent no updates and have now called twice to inquire as to any findings. Both times, the person I spoke to said there have been no updates and when I asked what's been done in terms of investigating, they gave no clear answer. So, I do not believe they are actually investigating the fraudulent purchases. Due to how long it's been, I've had to pay the minimum pay due amount in order for there not to be an impact on my credit score. These purchases have also accrued interest that I will be responsible for.

I don't feel that Barclays has taken this issue seriously, and is hoping to leave the " investigation '' open until I end up paying off these charges or leave them to harm my credit score. I'm especially irritated as these charges came simultaneously immediately after I activated my new card. I'm not sure how this even happens as I had just received the new card so the number shouldn't have been available for anyone to use.
Product: Credit reporting or other personal consumer reports

My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is preventing me from being employed with the federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greensky Financial is reporting inaccurate information to the each of the credit bureaus showing a 30 day late payment to XXXX XXXX of 2020 and On time payment the same month and year to XXXX and XXXX. As well as another 30 day late that following month of XXXX 2020 to XXXX and on time to XXXX and XXXX. I have called about this issue and spoke to countless representatives that have communicated the error and would remove but yet the inaccuracies still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letters to XXXX, XXXX and Transunion on XX/XX/2022 regarding inaccurate information reporting on my credit report demanding immediate removal of the inaccurate inquiry listings. XXXX, XXXX or Transunion has not followed up with me in over 30 days regarding the issue.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. I'VE CONTACTED EACH CREDIT BUREAU VIA CERTIFIED MAIL. I HAVE NEVER BEEN LATE ON ANY ACCOUNTS ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS.

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681B ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED.

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

Being a victim of Fraud and Identity theft. I recently pulled my credit report and the accounts being reported are inaccurate and I havent had these accounts. XXXX XXXX Bankruptcy. XXXX XXXX. 

HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 {$520.00}