23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer rights to privacy under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX acc name XXXX XXXX XXXX XXXX XXXX # XXXX acc name XXXX XXXX XXXX # XXXX XXXX NAME XXXX XXXXXXXX NAME 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 section2 : it also states a consumer reporting agency Connot 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, other than records of than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1861s-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 accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXXXXXX XXXX XXXX XXXXXXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

2nd official notice To trans Union XXXX and XXXX All 3 companies are in violation of the consumer laws I have contacted all 3 companies several times to correct my credit profile I was a victim of identity theft and there are several accounts that are reporting incorrectly all 3 credit services have Failed to remove all of the ant accurate credit reporting. 
The only company that has removed some of the inaccurate credible reporting is TransUnion add XXXX XXXX has continued thank you to report unaccurate late payment accounts on my credit profile. 
I have spoke with legal representation and this is the 2nd notice if there is no changes after the 2nd and 3rd notice all credit service will be in default and I will pursue a Declatory judgment That would equal {$10000.00} for each and inaccurate credit Account on my credit profile. 
The following account should be deleted immediately XXXX, XXXX  XXXX, XXXX XXXX, XXXX And XXXX 
All of those accounts were wrongfully charged due to identity theft. 
All of those accounts should be removed and deleted immediately. 
There's a XXXX late payment that is wrongfully being reported I have spoken to XXXX and they have informed me that they are not reporting that account late that should also be deleted in media. 
Failure to comply Where result in Legal compliance and will be evidence an emission of guilt. 
For all of the infractions all credit services will officially owe default judgment of {$80000.00}.
Product: Money transfer, virtual currency, or money service

I made a deposit through my bank to Coinbase to buy XXXX XXXX. At the time of the deposit, Coinbase informed me that there would be a hold on my deposit for the funds to clear, and the money would be available to withdraw or to buy crypto on XX/XX/2022. 

On XX/XX/2022, I opened my account to check the status of everything, and there was a message that my account was restricted and I would not be able to withdraw any funds for 43 days. I contacted customer service and continued to get form letter responses and Coinbase continued to refuse to tell me why my account was restricted and would not release my funds. I did nothing wrong. The funds were transferred in and stayed there for the entire 10 days. The money has cleared my bank account so theres no valid reason for Coinbase to hold my funds and refuse to release them to me.
Product: Debt collection

On or about XXXX XXXX, XXXX and XXXX XXXX, XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me a viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not a signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. I also have been a victim of identity theft from a previous close friend. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Vehicle loan or lease

I financed a car through Kia Finance for a XXXX XXXX XXXX. The loan was paid off on XX/XX/XXXX. However, Kia Finance never released the lien on my title. I realized this in XXXX of XXXX when I went to sell my car ( we are having another baby and need more space ). I called Kia on XX/XX/XXXX to understand what had happened, and they told me they had never issued the lien release, and they submitted a request to their title department, and told me it should be released within 3 business days.

I called back the next week ( after 3 business days ), and was then told that it would take 10 business days as their title department was backed up. After 10 business days, I was told the lien release was still not processed. A second request was submitted on XX/XX/XXXX. I called again on XX/XX/XXXX, and neither request had been processed. I was told that an email was sent to escalate, and to call back in 5 business days. 

Today is XX/XX/XXXX - it's been 5 weeks since I initially raised this issue to Kia Finance, and it's been 11 months since my car loan was paid off. When I called customer service, they told me the release is not processed, and we'll just have to " wait and see '' when the title department is able to process it. No ETAs or further escalation was provided, despite speaking with a supervisor. 

At this point, I have no idea when or if the lien will be released by Kia Finance. They have an illegal lien on my car, and despite the problem being reported to them 5 weeks ago, and multiple follow-ups, and I am being given no ETA on resolution, nor further options by Kia Finance to resolve this issue. 

I would like help in resolving this matter. Furthermore, customer support has told me my situation is not unique. Not only do I want this matter resolved personally, but I would like Kia Finance to be accountable to fix this problem across the board. A car is often someone's largest asset - and to be holding it hostage because of a process breakdown and lack of appropriate escalation routes is completely unacceptable - and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX has violated my rights. 

XXXX XXXX has been reporting inaccurate information about my sercured credit card with XXXX XXXX limit. 

As of XX/XX/2022, the account was reported not in good standing with XXXX XXXX. 

The account also reported imits as high as XXXX usd. However, This is a sercured XXXX limit credit card. 

XXXX XXXX XXXX also did unauthorized had inquiries.As a XXXX XXXX  member.Im able to shop products with no harm to credit profile.This information is publicly known. 


Resolution : Remove any and all negative remarks off credit report immediately Remove all XXXX XXXX inquiries Report accurate information regarding the account going forward
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof, an original consumer contract with my signature on it, that you have on file for the accounts listed below. If you do not do this, I demand that the following accounts be verified or removed immediately from all 3 credit reports, XXXX account no. is XXXX... 
XXXX account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX account no. is XXXX .... 
XXXX XXXX  account no. is XXXX ....
Product: Mortgage

My name is XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX my address is XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX ny XXXX my complaint is that selene finance has not yet updated their computer systems showing that my loan XXXX is on a trail modification this is my third complaint regarding this matter when I call on XX/XX/2021 a representative claims that I'm not on a modification and that it doesn't show then I told her I got copy of letter from selene finance corporate executive team showing that I'm on a trail modification. Then she tells me that the computer systems was never updated correctly.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX Acct # : XXXX Dear XXXX XXXX XXXX XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) Late payment dates : 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 I understand that timely payments are crucial in maintaining a good credit score and a positive relationship with your company. Unfortunately, due to unforeseen circumstances, I have fallen behind on my payments. My grandmother whom lived in New Jersey passed away during the duration of missing payments listed above in XX/XX/XXXX. Also, when I finally returned to work months later XX/XX/XXXX, I was laid off collectively with my whole department of company. As a result of being laid off I fell behind on my lease having to pay multiple late fees associated with being late. 

I want to assure you that I am taking the necessary steps to improve my financial situation and ensure that I make timely payments going forward. I have setup automatic payments to ensure that I do not miss any future payments, and I am working on a budget to better manage my expenses.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration on this matter. I look forward to hearing back something positive. 

Regards
Product: Mortgage

We sent a payment to Freedom Mortgage by electronic transfer from XXXX XXXX on XX/XX/2018. 

It was never credited to our account with Freedom mortgage although the loan number was correct. 

I wrote to Freedom Mortgage by email on XX/XX/XXXX. They sent me a letter on XX/XX/XXXX, received XX/XX/XXXX stating that I should NOT have written to them by email ( although the web site told me to do so ) and that I should have written to them at a new address in XXXX. 

They said they never received payment and are demanding a front and back check copy ( which does not exist ) and a copy of " ... .your full running bank statement showing the running balances from the date of payment until the current date showing your payment in question has cleared your account and is not showing as Pending is needed fro further research .... '' I do not understand how they can credit other payments appropriately using the SAME method before and after the payment in question. 

I want they to find the payment and credit to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years, I have been denied credit due to what was reported to the companies for which I applied too, and the information on my credit report ( once I received it ) wasn't what the companies reported was given to them by the credit agencies. The Credit reports came from Equifax and XXXX, but there was not form to resubmit to the credit reporting agencies to inform them of what was occurring with the incorrect information. However, since that time I've been recently denied credit again, althought ; since the denial I've had unpaid hospital bills due to being put into a unpaid status unjustly at my place of employment, which probably has lead to negative issues on my report after XX/XX/2019! However, my credit score took a 100 point dive for some unknown reason prior to my unpaid medical issues recently! Nevertheless, I did receive a settlement notice from one of the credit reporting agencies that my credit information may have been compromised, which I suspect that it has been compromised with both of the agencies by the issues that I've been having over the years with my credit, after having Excellent credit for many years!!!
Product: Checking or savings account

I want XXXX to access my Capitol One 360 Savings account to facilitate transfers. It has in the past, but suddenly stopped working. on XX/XX/2018 per XXXX and Capitol One 's websites, Capitol One is blocking me from enabling external applications.
Product: Credit card or prepaid card

Toward the end of 2022 Capital One began claiming that my credit card payments are late, even though they were mailed 10 business days prior to the due date. After more than 20 years of doing business with them, it is clear to me that Capital One is now taking longer to post mailed-in payments in recent months. Although they point fingers at US Postal, I find my payments to other companies have not been affected. I've complained for two months in a row to Capital One, yet they insist I need to pay late fees and interest. Consumers are not given any way to verify when payments are actually received, and are faced with a compromised credit rating if they do not pay these dubious surcharges. A Capital One representative told me that they are using a third party to open mail, therefore they can not verify the post mark dates on payments, and insinuated that the third party may be causing the delays, thus washing their own hands of any wrongdoing. Consumers should not be forced to accept Capital One 's unsubstantiated claims about when payments are received. If Capital One is receiving a windfall by using a slower payment posting process, with no warning to customers, while concurrently extorting fees from those who do not pay electronically, Capital One should be immediately audited and investigated and punished. In addition, I submit that credit card companies in general should be required to document the postmark date on mailed-in payments as verification of when a payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX XXXX XXXX are reporting a tax lien from the XXXX County Circuit Court for the State of Indiana. In attempting to dispute the liens against my business I have been unable to receive a copy of my business report to dispute the information unless I pay {$49.00} or more for a copy of my credit report. I spoke to an Equifax representative who initiated a case on my behalf
with Equifax Business Credit and told me that I would receive a copy of my business credit report almost two months ago. To date, I have not received the report or any additional requests for information. The Equifax business grade of " F '' has caused my business undue hardship because of inaccurate reporting and prevented me from being able to obtain much needed business funding in the midst of COVID-19.
I have attached supporting documentation that shows I do not have any outstanding debt in the State of Indiana as I have never done business there.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX my mother, who died on XX/XX/XXXX, filed a police report in the XXXX XXXX in XXXX because a bank account was fraudulently opened at Citibank in her name. The bank immediately froze and then closed the account when we notified them of the fraud as soon as we became aware of it. Unfortunately, more than {$53000.00} had already been withdrawn from the account by the perpetrator who opened the account. 

Several weeks ago, well into XXXX, I received for the XXXX tax year a 1099-C, Cancellation of Debt form from Citibank. We have now had to request an extension for my mother 's Estate Taxes because, unless this is reversed, my accountant informs me that we will owe taxes on this debt cancellation for a debt that my mother never incurred. 

I went into a Citibank branch where I was told that they could not help me in the bank. I called customer service and was transferred to different departments. Finally in the Estate Department, although she could not help me because they deal with closing accounts because someone died, not accounts closed due to fraud, XXXX made a report. 

A couple of weeks later I received a letter from Citibank which is also attached. I am concerned about the length of time that this may take the bank to acknowledge that my mother 's beneficiaries are not responsible for a debt that was fraudulently incurred in her name. 

The police report was filed in the XXXX XXXX in XXXX : XXXX Officers XXXX and XXXX took the report.
Product: Credit card

I received an email from Aspire Credit Card Company they were raising my monthly maintenance fee to XXXX and my interest rate to 31 % if i disagreed to call them. I called and told them no on the increase in maintenance fee. On XX/XX/XXXX. They transferred me to a woman who said if you dont accept the terms we will close your account right now. I said then close it. She read me a disclosure and stated your card is closed and do not use it and cut it up. I agreed. I then followed up on the XXXX of XXXX to ensure it was closed. And found it still open. So i asked again to close the card. She said it takes 10 days but would be closed soon. I then called on XXXX of XX/XX/year> and card was still open and was told it would take another 45 days to close. I want the card closed immediately. Furthermore i found they have been charging me XXXX for credit card protection i never ordered and wont stop charging it. My credit card number is XXXX XXXX XXXX XXXX under XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX  XXXX