23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

and the collections of these 3 accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and these 12inquiries has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are unlawfully reporting unauthorized inquiries on my consumer report! I have sent numerous letters asking them to remove the hard inquiries listed below along with the dates when they were reported : XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CAPITAL ONE AUTO FINANCE XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DBA XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against XXXXXXXX XXXX On XXXX I requested a debt validation letter in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, they have neglected to respond to my request, violating my rights under the law. 

I respectfully request your assistance in ensuring that XXXX XXXX provides the requested documentation or ceases their collection efforts. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a hard inquiry was posted to my Equifax credit report from XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I have contacted both merchants with whom I have accounts with issued by XXXX and they have confirmed this was not initiated by them. I have contacted Equifax who will not investigate it or provide any other details about the inquiry. They require a police report or a completed complaint form from the FTC. I originally went to the FTC  website https : //www.identitytheft.gov/ but was redirected here. 

I am at a loss to understand why XXXX would do a hard inquiry when both accounts have been open for years. Please contact me so I can get his resolved.
Product: Credit card or prepaid card

Chase Bank routinely charges a " credit balance refund '' to credit card accounts that, at the time of billing, have a negative balance, even when there are existing " pending '' charges on the account and/or the account is not being actively closed and therefore not expected to incur any further charges to the account. 

This " credit balance refund '' is charged as an interest bearing charge to the credit card account. Chase then sends a slowly delivered paper check to the customer via USPS in the mail for the " credit balance refund '' amount that will get to the customer whenever it gets to the customer, which, could take weeks (! ) in some cases. This time, they also sent an email that I could setup a new " Chase pay '' account and get the money electronically, but the " Chase pay '' site did not actually work and the technology did not allow me to actually create the required new " Chase pay '' account, leaving the USPS mailed paper check as my only option. ( note : I also called customer service and the customer service person said that there was nothing he could do other than send me to the technical support line to see if they could help me log into the " Chase Pay '' account. I ask for a supervisor, and the Supervisor said she would " reverse '' the charge, but I have yet to see the reversal on my account as of today. Also, this is not the first time this has happened, so it is not reasonable to have to call Chase, bypass a customer service agent to speak to a manager and get this manually reversed every time Chase decides they want to make this charge on my account. ) The reason Chase does this and the reason it is EXTREMELY PREDATORY is because Chase moves the cashflow burden from themselves, onto the consumer to now pay a charge that they would not have otherwise had to come up with cash for, but for the fact that Chase will not allow balances on a credit card to be negative, even when their is pending activity on the account and the account is not being closed. Chase shifts the burden to the customer to either come up with new cash to pay for the " credit balance refund '' charge with new cash or hope the paper check gets through USPS fast enough, gets deposited into a deposit account, then pays down the new credit card charge before the customers monthly billing cycle closes or the customer will incur new fees associated with a balance and charge that IS NOT FOR A REAL TRANSACTION. 

Chase shifting the burden to the consumer to pay charges and ultimately/potentially incur fees simply because " they don't like credit cards having a negative balance '' is extremely predatory and it perpetuates a cycle of cash strain and constraint on the consumer, ultimately forcing the consumer to rely on credit and incur fees given the cash strain..
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I opened disputes through XXXX to report unauthorized XXXX  transactions involving my Coinbase account.

I also changed my Coinbase login credentials to secure my account and made several attempts to report the unauthorized transactions to Coinbase.

The only relevant Coinbase help page I was able to access strongly implied that unauthorized transactions could only be reported through the Coinbase app ; the page only provided instructions for reporting unauthorized transactions via app.

Since Coinbase had apparently flagged me shortly after I had disputed transactions with XXXX, it would not let me log into the app or contact customer service for days ; all login attempts through the app were flagged and denied. 

Shortly after filing a XXXX  complaint on XX/XX/year>, I was able to log into the app. That's when I realized the instructions provided on the Coinbase help page for reporting unauthorized transactions were incorrect. The Coinbase app did not provide me with any means for reporting unauthorized transactions.

Since I was now allowed to contact customer service via chat, I explained the issue and an agent told me that I could report the unauthorized transactions without the app by going to Coinbase.com/charge ; this turned out to be a dead link, at least through my account.

The Coinbase email address for reporting unauthorized charges ; XXXX XXXX XXXX was also useless.

The important part is I notified Coinbase of unauthorized XXXX transactions on my account by sending emails to XXXX XXXX XXXX on XX/XX/year> with the list of disputed transactions. 

The 10 days for investigating the reported unauthorized transactions has long passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard Inquiry from XXXX on XX/XX/2023 I have no knowledge about.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Removal of inaccurate name and addresses listed on credit report
Product: Debt collection

XXXX XXXX XXXX XXXX SS # XXXX XXXX MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TODAYS DATE XXXX Dear, CKS PRIME INVESTMENTS I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this * because I have had different companies reach out to me about the same alleged debt. ACCOUNT NAME : CKS PRIME INVESTMENTS Account numberXXXX I am requesting immediate deletion of all prior reporting made to my consumer reporting agencies, XXXX, XXXX, XXXX and XXXXXXXX XXXX, you must cease collection efforts until this alleged debt is validated.you must show proof that you legally own this alleged debt and that it is accurate and complete SINCERELY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reported to my local police department a Identity Theft Complaint and Affidavit. 

On XX/XX/2022 I forwarded a copy of my Identity Theft Complaint and Affidavit to TransUnion XXXX and XXXX by USPS certified mail. 

On XX/XX/2022 I forwarded a requested Affidavit statement to TransUnion XXXX and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

On XX/XX/2022 I forwarded a second Affidavit statement to TransUnion XXXX and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

I also referred to 15 USC 1681c ( 2 ) in which a consumer reporting agency shall block any information that is resulting from identity theft from the consumer no later than ( 4 ) business days from the receipt notice of the consumer. 

TransUnion XXXX and XXXX has failed to block all of the information from my consumer report that was the result of identity theft. All consumer reporting received the required documents as listed by federal law, and my consumer report still reflects inaccurate information due to identity theft.
Product: Credit card or prepaid card

WELLS FARGO XXXX XXXX CREDIT CARD for the billing cycle XXXX/XXXX/XXXX to XXXX/XXXX/XXXX previous balance was {$750.00} payments {$300.00} new balance should be {$450.00} They charge me the interest of {$660.00} to make a new total balance of {$110000.00} How come they charge {$660.00} when my balance for that period was {$450.00}
Product: Mortgage

On XX/XX/XXXX I made a {$1100.00} early payment to my mortgage lender PHH Mortgage for the mortgage due on XXXX. They misapplied this payment to principal only instead of the mortgage due. They have done this previously and I have had to ask them to correct their error. 

On XX/XX/XXXX I emailed the company to remind them to make sure the payment was applied to the mortgage due. On XX/XX/XXXX they emailed me that " All funds received will be applied towards the contractual payments. '' Since then the payment has not been corrected, despite many additional emails with PHH in XXXX. 

Their reply on XXXX stated " We have submitted a request to reverse the principal funds of {$1100.00} received on XX/XX/XXXX, and add it to the payment of {$1100.00} received on XX/XX/XXXX, and have them re-applied toward the XX/XX/XXXX payment. '' Since then the payment has still not been corrected, so I have called their customer service line twice, both times I have been assured the payment would be corrected and no fees would be charged. 

Today I was charged a late fee, and they claim I need to submit another payment when in fact I paid early for the XX/XX/XXXX mortgage due. I am concerned that their continuing errors with my payments will affect my mortgage rate and credit rating, and need CFPB 's help to fix the situation. Thank you.
Product: Credit reporting

Submitted a dispute to Equifax for XXXX # XXXX and XXXX # XXXX - Asked them to provide documentation showing that this information is in fact my account and correct, since I know it is not and still have not gotten anything but the standard " Verified '' response. As a consumer it is my right to know who was spoken to, who verified the information, and to send me a copy of all information. None of that was done!
Product: Debt collection

I just had this collection agency added to my credit report and they have never sent a bill or called me regarding the debt. The original creditor has not sent me any bill or called me either.
Product: Debt collection

XX/XX/2019 intervening plantiffs original petition Ovation Services LLC letter mailed from XXXX XXXX XXXX written letter sent to myself and sent to the district court XXXX judicial district XXXX county texas to honorable judge of said court. Ovation Services and XXXX, XXXX, XXXX, XXXX & XXXX, XXXX attorneys at law are threatening to foreclose on my property for past due taxes paid by Ovation Services LLC. 
my financial situation is considered as underemployed and hardship letter has been faxed to XXXX XXXX XXXX, XXXX district court XXXX county texas, and my mortgage company XXXX XXXX  and finance to explain my underemployment, hardship, and options available for me to modify my loans or provide forbearance or loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a credit report on the web. There is a Bankruptcy from the Clerk of Court, and U. S. Bankruptcy Court item recorded on this credit report. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they should eliminate the said information from the buyer credit record ''. 

The Clerk of Court and the Bankruptcy Courts of the XXXX District of Florida have both mailed me letters which have stated that they don't give any information to credit detailing agencies, nor do they actually validate and or affirm openly available reports. 

It is the credit revealing agencies or other outsider suppliers obligation who gather information regarding public cases from openly available reports. Openly available reports information is NEVER validated or checked by the Clerk of Courts or by the Recorder of Deeds nor the U. S. Court framework because of the Fair Credit Reporting Act. 

I presently demand that you have this wrong violation of information revealing rebelliously eliminated. You have violated the law by making false statements. If not since I have all reports, I will look for litigation against your company and this letter will fill in as evidence I attempted to determine this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with 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 15 U.S.C 1666B : A Creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies.
Product: Credit reporting or other personal consumer reports

TD Bank has tried to obtain a DEBT collection attempt on XX/XX/XXXX, XXXX the amount was in the excess of {$62000.00}. However, I asked XXXX XXXX in a Correspondence ( attached ) dated the same day to sign a Creditor Disclosure Statement ( never received ). Prior to this complaint, I sent it on multiple occasions. No response.
Product: Debt collection

This is the 10th time I have filed a complaint about Portfolio Recovery Associates. Portfolio Recovery Associates is refuse to send me something with my signature on it. They sent me some credit card statements. 15 U.S. Code 1692g - Validation of debts Portfolio Recovery Associates is failing to send the original contract with my signature on it. THEY have reported this false balance to XXXX. 

Portfolio Recovery Associates wants me to send a copy of my ID and some other stuff. I'm NOT required to do this. It's Portfolio Recovery Associates JOB to validate without any HELP FROM ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  by phone and mail to remove an item that doesn't belong to me and I have taken further action and I wont the debt removed as there is fraud that was investigated in the past that and I was told by a company working on my behalf that the information would be removed and it yet still appears. 

Dates of unauthorized inquiry XX/XX/XXXX for XXXX XXXX {$300.00} Credit Card agreed to remove from my credit report up to 30 days Date:XX/XX/XXXX {$4300.00} XXXX XXXX Never Lived here asked for verified documents never received form original company neither heard back from XXXX 

XXXX XXXX - Debt {$2600.00} XX/XX/XXXX opened. Contacted both XXXX and Creditor no corrected actions. Reported on XXXX, XXXX  XXXX XXXX XXXX - Debt {$2500.00} XX/XX/XXXX Opened No corrected actions of removal. Reported on XXXX, Transunion and XXXX XXXX Debt {$920.00} Contacted by mail and phone Actions was deleted from one credit bureau but not Transunion and XXXX  , and company continues to report the information now. 

XXXX  Credit Bureau Reports Lanier Debt {$170.00} inaccurate information, also disputed by mail on XX/XX/XXXX no corrected actions of deletion.
Product: Debt collection

Please remove the items from my credit report it is illegal to report information on my credit without my permission according to FCRA section 605B
Product: Credit reporting or other personal consumer reports

To whom this may concern ; I have sent a letter to inform your company that you are reporting incorrect information on my consumer report. I am taking this time to write you once again in reference to updating my personal information with your company. Please update my personal information. The proper spelling of my full legal name. My only address in your records should be the address listed on my state issued license ID.. Remove all of the other addresses off of my credit report. I have no association with any other addresses. The post office will not be able to deliver to inaccurate addresses. I DO NOT HAVE A EMPLOYER : Remove all phone numbers on my credit report. You are violating the Fair Credit Reporting Act since my personal information are not accurate. 15 U.S.Code 1681e ( b ) 1681e ( b ) - must maintain maximum possible accuracy. Notice, it is a fact affiant is aware a consumer reporting agency must maintain reasonable procedures to assure maximum possible accuracy of furnished information on my, the affiants consumer report. The way you are reporting inaccurate personal information does not comply with this maximum possible accuracy standard and must be removed due to its failure to maintain reasonable procedures, which is a violation of 15 U.S.Code 1681e ( b ). 15 USC 1681e ( b )
Product: Checking or savings account

Citibank is still refusing to send me my money after my account was closed. So found out today they are trying to say my account was closed on XXXX XX/XX/XXXX which is very untrue. This is an indication of deceptiveness of this bank. My account was to be closed around the XXXX or XXXX of XX/XX/2022. Then the phone was hung up on me in one instant and I called back. The fourth representative told me about the wrong closing date of account and then she said the system automatically prints out a check and I should have received it XXXX days after account closure. She couldn't tell me if the check had already been printed and mailed. 

Lie after lie, day after day. This company is disgusting as it gets. Day after day trying to get what belongs to you shows how much these people and company are thieves as clear as day. Holding on to other people 's possessions and assets that don't belong to them. 

On on other hand, I see they are giving people money to open accounts. They are probably using all of the money they are freezing in peoples accounts or refusing to refund back to attract others to this scam of a company.