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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

In accordance with the Fair Credit Reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than recods of convictions of crimes which antendates the report by more than 7 years.

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

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX and XXXX on XX/XX/XXXX, How ever the credit beureas said the completed the investigation and everything was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and XXXX it was completed
Product: Bank account or service

in XXXX 2015 i bought an item from amazon, {$19.00} and it was charged to my account run by synchrony bank, XXXX XXXX, XXXX, fla XXXX ( bank ) -i got the bill from bank on XXXX/XXXX/15 and paid it by entering my bank account #, and routing # -on XXXX/XXXX/15 got letter from bank saying my payment had been returned by my bank-a lie as my bank ( XXXX ) never heard of it-i at once called bank at XXXX and spoke to aromas who told me they had made an error in input and verified my XXXX routing # and account # to have the {$19.00} paid from my account XXXX gave me confirmation # XXXX-the amount was paid and withdrawn from my XXXX account on XXXX/XXXX/15 yet on XXXX/XXXX/15 i get another letter from bank saying my account was closed for return payments -i called bank and spoke to XXXX-who said she would take care of problem, but nothing she could do about reinstating my account or removing bad report from the XXXX credit bureaus -- help me!
Product: Checking or savings account

Robinhood restricted my account for supposed unusual activity and requested supporting banking documents and verification information. After providing all as requested same day the account remains restricted and locked and I am unable to access the funds held within the account. Customer service is impossible to get ahold of and they keep pushing the date of review infinitely. This is a horrible experience
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXX/XX/XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Family Educational Rights and Privacy Act ( FERPA ). 

I have been a student loan borrower with XXXX since [ year ]. During that time, XXXX has shared my personal information with third parties without my consent. This is a violation of the FCRA, which prohibits financial institutions from sharing nonpublic personal information with third parties without consumer consent. 

XXXX has also shared my student education records with third parties without my consent. This is a violation of FERPA, which prohibits schools from releasing student education records without student consent. 

In addition, XXXX has failed to remit my 1099-C form to the Internal Revenue Service ( IRS ). This is a violation of the GLBA, which prohibits financial institutions from failing to properly protect consumer information. 

I have requested that XXXX remove the reporting of these accounts from my consumer report and remit my 1099-C form to the IRS. XXXX has not responded to my requests. 

All violations are listed as follows : FERPA, GLBA, FCRA, 15 USC 6802, 20 USC 1232 Ive also submitted a request for your trustee, XXXX XXXX XXXX  to properly remit my 1099c so that I can properly do my taxes and send my copy of the form along with documentation showing it has been transmitted over to the treasury. Also, instructions were provided to wire my securities to my TDA account and send me back my tender. Per the Securities Exchange Act of 1934 pursuant to section 13 or 15 ( d ) for your fiscal year ending XX/XX/2022 your indenture trustee is responsible for carrying out this responsibility would be XXXX XXXX XXXX. This information was provided on your 10-K filed with the U.S. Securities and Exchange Commission XXXX
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS KINUM XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from KINUM WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that LVNV FUNDING LLC immediately remove or delete the account listed on my XXXX consumer report due to violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2 ( b ), as well as violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1692e ( 10 ). The debt collector has failed to notify the Credit Reporting Agencies ( CRAs ) of deletions as required by law, which is a direct violation of my rights under these statutes. I demand that this account be removed from my XXXX credit report and that any future violations of these regulations be prevented. 
REMEDY MONETARY COMPENSATION : {$2000.00} AND REMOVE FROM CRA 'S ATTACHED NOTICE OF DISPUTE : EXHIBIT A XXXX DISPUTE RESULTS OF DELETION.
Product: Money transfer, virtual currency, or money service

Wired money from XXXX XXXX XXXX to Coinbase Inc. on :  XX/XX/2017 Amount : {$25000.00} Multiple e-mail exchanges with Coinbase automated response and support staff and 2 verbal discussions with Coinbase call support without any resolution. Coinbase support staff back dated an original email request for information 30 days from sent date seems odd and suspicious.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I received a phone call and subsequent voice message from Credit Control Corporation in an attempt to collect a debt. Given that they are a local company that I have had issues with in the past ( see complaint ID XXXX ), I know from my personal knowledge and experience that this company specializes in collecting medical debt. At the present time, the only balance that may be owed to a healthcare organization is for a bill in the amount of {$4800.00} that may be owed to XXXX XXXX XXXX ( XXXX ). This debt is only supposed because it is presently being reviewed for financial assistance by XXXX. Attached is the current communication from XXXX regarding this matter and it clearly shows that the application is in " Pending '' status and that the last correspondence was on XX/XX/2023 ( See Attachment # XXXX ). That correspondence ( See Attachment # 2 ) is requesting bank statements from the past three months, which is only necessary because the system owned by XXXX does not allow such a sizeable upload, but I did upload the first several pages that showed balances, and from that they were able to verify the information ( See Attachment # 3 and # 4 ) yet will not allow my application to move forward. It does not make logical sense that XXXX would sell a debt to Credit Control Corporation that is still in a pending state, and whose final amount due has not been decided as of this date. Furthermore, no communication was given to me by XXXX that it would be sent to a debt collector ( See Attachments # 5 and # 6 ) and no outreach was done by XXXX to establish a payment plan. Therefore I must conclude that XXXX sold an invalid debt to Credit Control Corporation possibly to avoid their fiduciary responsibilities as a non-profit organization with a revenue of {$50.00} XXXX. Credit Control Corporation assisted XXXX in their effort by attempting to collect a debt that was invalid, was not settled with regard to final amount due, and that was not owned by Credit Control Corporation at the time the aforementioned phone call was made.
Product: Credit card

Over the summer I had went overseas and had my accountant take over my charges for the time being. When I had come back and went over my financials with my accountant, there were 4 fraudulent transaction and I called Chase to report these these transactions during the middle of XXXX of 2023. The transaction 's were on XX/XX/2023 for {$8200.00}, XX/XX/2023 for {$15000.00}, {$15000.00}, and {$11000.00}. My accountant never notified me of these transactions because he thought they were normal professional services that I had bought. Chase temporarily refunded my account for the time being until they called in XXXX asking for more information which I was more than willing to give. I included flight information and personal information that could help them in their investigation. On XX/XX/2023 they added the charges back to my account with no notification on email or phone call on what happened with the investigation. I have a cleaning company and these charges were for a health and wellness company, according to the person I talked to with Chase. I don't know how those two would relate in any way. I also changed my accounts with Chase so something like this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with XXXX XXXX without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.
Product: Checking or savings account

I had a account with Wells Fargo and fraud was done and they ended up closing my account saying it's my fault kept the money that was missing and a year half later I receive a check tell me this money is owed to me due to there error I didn't cash right away I received two more letters telling me to cash it and since they closed my account I had hardships with paying my bills got late fees they were wrong and they knew it and no ther banks would bank with me cause of them putting up a block with check sytem
Product: Mortgage

Closed on our home XXXX XXXX, XXXX. Purchased a 12 month home owners insurance policy. We were contacted in XXXX XXXX to purchase a new policy. My insurance agent provided Amerihome Mortgage with the new policy information. We received a letter today from home owners insurance. It stated " The insurance policy is being declined for the following reason : Non-Payment Insufficient premium received by the due date I checked with XXXX XXXX. The loan number and contact information they have for the mortgage provider are all correct. We also received a letter from Amerihome. They have provided us with a policy that cost 350 % more than the policy we found.
Product: Credit reporting or other personal consumer reports

Addresses on my credit report is incorrect. The following addresses are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to formally dispute the negative credit reporting on my account related to a vehicle I voluntarily surrendered in XXXX for {$44000.00}. The reporting is inaccurate due to negligence on the part of the bank and failure to properly handle the surrender process. 



In XXXXXXXX, I voluntarily surrendered my vehicle and made multiple attempts to coordinate the pickup. However, the vehicle remained in my possession for approximately three months after the surrender agreement because the bankss assigned towing company failed to retrieve it in a timely manner. During this period, I repeatedly called the bank to follow up, yet the pickup was never completed. 



At some point, the vehicle was towed without my knowledge or authorization. When I contacted the bank to clarify the situation, they informed me that they had only attempted to call the towing company three times but received no response. This claim is difficult to believe, as towing companies operate 24/7, and I have personally called and received responses without issue. The bank has refused to provide documentation proving their calls or attempts to recover the vehicle. 



As a result of this negligence, the vehicle was ultimately sold by the towing company instead of being processed through the voluntary surrender agreement. Despite the bankss failure to manage this situation properly, they are still holding me responsible for the full balance of the loan and have reported negative marks on my credit report. 



I have continued to reach out to the bank in an attempt to resolve this matter, calling daily and requesting a manager, yet no one has returned my calls. Additionally, the bank refuses to provide the dates of my prior calls from XXXX, further preventing me from obtaining necessary documentation for resolution. 



This inaccurate reporting is significantly impacting my future, as I am in the process of enlisting in the XXXX XXXX XXXX and can not have incorrect derogatory marks on my credit report. Given the bank 's failure to properly handle the voluntary surrender, I request the immediate removal of the negative credit reporting and any outstanding balance associated with this account. 



Please consider this a formal dispute under the Consumer Financial Protection Bureau ( CFPB ) ). If this issue is not resolved promptly, I will escalate my complaint to the, state attorney general, and other appropriate regulatory agencies. 



I appreciate your immediate attention to this matter and expect a response confirming the removal of this negative reporting. 



Sincerely, XXXX
Product: Debt collection

Hi I recieved a bill that was orginally from XXXX hospital, the bill is for my sister XXXX. I am not her guardian or parent and I am not responsible for that bill my father should be.
Product: Credit card

This issue was in response to a charge dispute opened on XX/XX/23 with XXXX {$140.00}. I was initially charged twice for the transaction. I provided the required evidence to Citi but I was told the information was insufficient to resolve the case in my favor. So the dispute was closed in favor of XXXX on XX/XX/23. However, citi bank did not reach out to me to ask for additional information to support my case before making a decision. 

I reached out to re-open my dispute and I was told to send an email to XXXX with my case XXXX and with additional paperwork. I did that on XX/XX/23. I did NOT receive a response so I reached out to Citi multiple times to which I get the same response i.e " WAIT 5-7 BUSINESS DAYS AND SOMEONE WILL BE IN TOUCH ''. Today is XX/XX/23 and again I was told to wait 5-7 Business days.
Product: Prepaid card

On XX/XX/XXXX I applied for a new credit card through credit karma using the credit karma guarantee. If I was declined I would receive a {$50.00} gift card. I was declined when I had outstanding odds. I received an email on XX/XX/XXXX asking me to choose what type of gift card I wanted the {$50.00} to be in. I chose a XXXX  card. On XX/XX/XXXX credit karma said my card was on the way. It is now XX/XX/XXXX and I still have not received anything. What I have received are spam calls multiple times a day. Credit karma completely scammed me and many others according to XXXX.
Product: Money transfer, virtual currency, or money service

XXXX {$300.00} XXXX {$200.00} + {$600.00} This person is telling me to send money just to get rid of a cart I'm trying to sell on XXXX and he tells me he can't pay me in cash!!!! It was only {$90.00}. Also, he hasn't even paid me back yet!!!!
Product: Mortgage

I started working on this foreclosure in XX/XX/XXXX. As you will see in the documents we received several offers. One was selected and we worked with the lender Wells Fargo to provide all information required. The process was frustrating as Wells Fargo kept changing negotiators and then told us we had not communicated with them when information was requested.

Several call were made to Well Fargo as documents were sent in repeatedly which was never acknowledged. Finally There was a three-way call with my short sale specialist, XXXX XXXX, XXXX XXXX, Myself and Wells. There is correspondence on XX/XX/XXXX regarding communications and missing documents. It appears the short sale was back on track per the documentation dated Tuesday XX/XX/XXXX, asking for additional documents including increasing the sale price to market value of {$120000.00}. Once the information was updated and sent in, the file was apparently dropped. 


We had another conversation with Wells Fargo who informed us that the file was closed. We then brought in a short sale expert, XXXX XXXX, who has an extensive track record with difficult short sales. We resubmitted the short sale packet with a new buyer as the original buyer grew tired and frustrated of time time and lack of communication from the lender. 


Finally on XX/XX/XXXX, we were notified that that short sale was denied. No reason was given and we were told that there was no recourse. 


We have included all the email chain from the 2nd short sale submissions for you review, along with some of the prior correspondences. We realize this is a tight time frame, but our goal is to delay the foreclosure and be given the opportunity for XXXX XXXX to sell the property at a reduced cost and not have her credit more negatively impacted than it already is. 


We feel that Wells Fargo and the investors of the property did not provide ample opportunity or feed back for a successful short sale and manipulated the process so that it would fail. It's feel like a predatory situation and needs to be addressed. 


Please see our document attached. Due to the volume I may have to send multiple emails. Thank you.