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

Attention XXXX XXXX, and XXXX XXXX this is a last and final contact to contact Experian in regards to this matter. I have contact yall several times to rectify this matter. Experian had violated my federal protected consumer rights on several occasions. You both are Senior Regulatory Associates in this company. XXXX XXXX I sent you a direct dispute to this matter on XX/XX/2021 and you did not respond. In accordance with with the FCRA Experian is in direct violation of the laws which govern your company. In accordance to USC 1681 and its subsections your act of willful negligence and knowing noncompliance has caused my consumer report significant damage and caused my significant financial stress. Your false reporting, acts of piracy and willful damage of my consumer report will not be tolerated. I disputed multiple inquiries on my consumer report and yall stated that they were verified information. Yet when I called and made a fraud claim directly to your fraud department all the inquiries were then removed. I also contacted each company that those inquiries came from and do you the nature of those inquiries being fraud they also requested that yall remove the inquiries. So who in your company claimed that these fraudulent inquiries were verified information? Experian is not a bureau in any manner nor are yall back by or bonded by any United States Government Agency. Yall took an assumed roll in collecting consumer information. Yall are a for profit corporation that sells consumer data for monetary compensation. Also according to USC 1681 ( b ) Permissible Purposes Of Consumer Reports. An consumer reporting agency can furnish a consumer report under the following circumstances and no other. 1. In response to the order of a court with jurisdiction to issue such an order. 2. In accordance with the written consent of a consumer to who it relates. I have Experian no written consent to furnish data on my consumer report. This is my final attempt for Experian to rectify this matter. If it is ignored again I will pursue this matter in my Federal District Court. I requested {$26000.00} in statutory damages in regards to the false inquiries that Experian willfully placed to chase damage on my consumer report. You will find the letter that was sent to XXXX XXXX attached along with the invoice that was also sent. If this manner is not rectified with monetary compensation that is owed to me in accordance with the FCRA I will again seek litigation in Federal Court again you XXXX XXXX, XXXX XXXX and Experian for willful negligence, willful noncompliance, and for your purposeful damage of my consumer reporting. I give you 10 days to rectify this matter. If I do not hear from you in regards to payment of this matter I will move forward with litigation where I will be seeking these and other damages. Again your predatory acts will not be tolerated and I will take the proper procedure against yall and this company to have the matter rectified. In accordance with the FCRA Experian is civilly liable per violation per occurrence of violation on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple closed accounts on my credit report which are XXXX, XXXX, XXXX, XXXX and even XXXX XXXX XXXX which are closed out. Most are from Nelnet and Department of Education. I have filed complaints about all three of them I have directly contacted all three of them and filed complaint and this information never goes away. The accounts are closed or they have been Consolidated into different loans so they no longer exist and they Continue to update but they are not removed one of them is even XXXX years old.
Product: Checking or savings account

On XXXX I asked Chime to mail a check to XXXX for XXXX to cover health insurance. On XXXX I received an email from. Chime advising the check was cashed by XXXX. 

The following week XXXX advised that payment was not received. I began contacting Chime then asking then to provide a copy of draft or whatever information I needed to give XXXX so they could locate my payment. 

I have a request open with Chime since XXXX. If they can't prove check was cashed I think they should refund my money. I'm XXXX XXXX XXXX and on a fixed income so this is a lot of money to me. Thank you in advance for your assistance. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reportin
g. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to delete and correct some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal authorized a fraudulent transfer from my bank to someone else 's paypal account. Paypal flagged it as fraudulent, and told me to have my bank refuse the charge. My bank did so. Now Paypal has set my account in a negative balance until they receive a refund. I can not close my account until the balance is closed, even though the original charge was fraudulent, and I so not owe paypal money. 

They are holding me responsible for the fraudulent charges.
Product: Money transfer, virtual currency, or money service

I purchased bitcoin {$500.00} worth off of coinbase on XX/XX/2019 for a total price of {$510.00} which had a {$10.00} fee assocaited for the transaction. The money was taken out of bank account via ach on XX/XX/2019. I then wanted to send the money to someone via a direct transfer. I was informed by coin base I couldnt send my money until a 10 day business hold had taken place. Which I find unreasonable because the money was taken out of my account. As you know the price of bitcoin flucuates daily. I bought it to send right away, not to hold for 10 days. I then called them an explained my funds had been taken out of my account, and I would like to send it. They told me I couldnt, but said I could sell it and then buy it back when I wanted to send it. This would allow them in charge me two more fees!!!!!! Imgiane how much money they can have on hand to manipulate the market if they do this.  They could have miilions of dollars they have taken out of accounts to easily by and sell to manipulate prices. They told me they couldnt refund my XXXX or even my fee.
Product: Credit card

An individual using the name XXXX XXXX has been fraudulently using my address to apply for credit cards ( XXXX XXXX XXXX accounts ) and to dispute credit reports with XXXX. Despite my report to XXXX of this activity, this individual was successfully issued a credit card from XXXX. I have reported this to the security offices of both Chase XXXX and XXXX. The first indication was a letter XX/XX/2024 from Chase declining credit card approval, then XX/XX/2024 another decline for a second credit card request, then follow up letter XX/XX/2024 stating someone may be using XXXX 's identity and declining his application. I had reported this fraudulent activity to Chase by this time and this letter was likely due to my phone call to Chase informing of this fraud. Then XX/XX/2024 and XX/XX/2024 letters from XXXX to XXXX came to my address about investigating disputes to his XXXX 's credit and approving the deleting of record requests from XXXX XXXX and XXXX XXXX XXXX. I called XXXX for help and they said all I can do is put a fraud alert on my own account but there was nothing I can do about someone using my address for credit reports and that they couldn't investigate this fraudulent action. Then XX/XX/2024 a latter from Chase XXXX came requesting documents to approve XXXX 's credit card request. I called Chase XXXX XXXX again to warn them that someone has been trying to open a credit card with them using my address. Depite this call, a credit card arrived in XXXX 's name on XX/XX/2024. I reported this to Chase XXXX XXXX immediately. Chase XXXX XXXX issued a credit card to an individual named XXXX XXXX and credit cards arrived to him arrived in the mail to my address despite my calls warning them of this fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent an inquiry on XX/XX/XXXX to XXXX XXXX  almost at the 30 day mark, they emailed me back with a ready-made script with no investigation result or anything. 

They reported a late payment XXXX of XXXX to XXXX, XXXX, XXXX. 
At this time I was in a forbearance program and advised them I won't be needing it for the time they granted me. I was told a late payment wouldn't be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. On XXXX XXXX XXXX account # XXXX XXXX payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Student loan

Agreed to a rate reduction program on the basis that my account would not go any further negative once i started making the qualification payments.Instead they kept reporting it getting further and further delinquent even after i made all the qualifying payments. When i brought it to their attention they just told me to keep paying and they would investigate it further. They took over 3 months to even address the issue. I made several contacts to them asking about the status of this and always got a response saying they were still working on it. It was not until i told them i was stopping my payments that they, all of a sudden, came to a resolution about fixing it. They did fix the initial issue after 3 months but by that time my cosigners and myself had already had all cards and such terminated due to this huge error. Now, since i stopped paying, the refuse to bring my account into current standing. I only refused to pay so something would be done! This all stems back to when i originally set up the plan. At that time i agreed to the plan and paid the qualifying payments like i was supposed to and they didnt hold up their end by telling me i wouldn't go further delinquent. So i felt it was fair for me to stop making payment after they clearly violated our agreement and thought nothing of it, since they waited over 3 months to come to any resolution on this issue.
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. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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

I demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to USC 15 1681. RADIUSGLOBAL XXXX has violated my rights and I sent them multiple cease and desist letters without prevail. This company does not have the right to collect in the state of Georgia so they are criminal. And pursuant XXXX5 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX  XXXX I am writing to formally assert my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in various sections of Title 15 of the United States Code. Specifically, I would like to draw attention to the following sections : - 15 USC 1681 SECTION 602, which grants me the right to privacy regarding the information contained in my consumer report. 
- 15 USC 1681 SECTION 604a SECTION 2, which stipulates that a consumer reporting agency can not furnish an account without my written instructions. 
- Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure that each periodic statement is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I want to emphasize that I have never provided written instructions to either of the credit reporting agencies or the above-listed creditors to furnish any information on my consumer report, thus potentially violating 15 USC 1681b . 

Additionally this account has been closed due to the company 's willful negligence in reporting information against my permission and litigation is in process. Equifax, XXXX, and XXXX XXXX are now co-conspirators and I will not hesitate to amend my complaint and include them. I have been sending the agencies correspondence for XXXX months demanding their compliance and now I have had it. These agencies have also not marked this account as being disputed after SEVERAL disputes sent to them. They are willfully negligent in NOT ensuring the information on my consumer report was XXXX % accurate prior to publishing it WITHOUT my consent! 

The actions of the Credit Reporting Agency in furnishing information without my explicit consent have caused me severe stress and anxiety due to what I perceive to be abusive and unfair practices. 

I request your immediate attention to rectify this situation and ensure compliance with federal laws governing consumer credit reporting. I also urge your agency to take necessary steps to prevent similar violations in the future.
Product: Vehicle loan or lease

I have had the loan for 3 years and my principal balance has not gone down. I tried to call them to ask questions regarding the terms of my loan, but no one has called me back. I asked for a copy of my contract several times and no one has sent it to me or called me back with details of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

1.I have never had an account with this company NAVY FEDERAL XXXX  UNION XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are NAVY FEDERAL XXXX UNION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

Pro collect Inc has put a collections on me stating I had an account with a electric company and I never did. I requested them to provide me proof such as my license or a Signature and the will not provide that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letters for reinvestigation with cra. They sent back reinvestigation showing inaccurate accounts as verified. I've tried to fix this matter with cra. I ask if they contacted furnisher and ask for names and address to whom provided the information, and they had no answer. Cra or furnisher either both has violated the FCRA LAWS. I have proof of violations. Here are the laws that cra didn't obey. Thank you. 

1.15 U.S.C. 1681e SECTION 607 ( B ) 2.15 U.S.C. 1681i SECTION 611B ( iii ) 3. 15 U.S.C. 1681 SECTION 602 A.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They contact from text. I told them that I do not want to receive text messages from them, but they informed thats its not up to me and they have a legal right to do so whether I like it or not. 

I informed them that this debt has been paid I emailed proof to them like they asked but keep make threats for lien against my property.
Product: Credit reporting or other personal consumer reports

My personal identifiers have been used without my consent to open up multiple accounts. I have filed a FTC XXXX XXXX.