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

Simply put, the accounts listed herein were not authorized by me, the consumer, to be reported to my consumer credit files, violating the Fair Credit Reporting Act. As this is my surety report, I control what is listed on my consumer credit reports and am hereby demanding the immediate removal of the accounts listed herein. I am NOT requesting validation or verification. I am demanding a removal of the following accounts based on violations committed by you according to the FCRA. According to the Supremacy Clause, when its in the best interest of the consumer and where there is conflict, federal law and the Constitution will take precedence over State law, and company law. According to 15 U.S. Code 1681 ( a ), you are hereby in violation of my right to privacy and information I demand be private and blocked and your reporting of these accounts is a direct violation of the permissible purpose section under the FCRA. The reporting of these accounts are not accurate and therefore must be removed. It is unverifiable due to my refusal to give you consent to communicate with other parties on this account without my consent as this is inaccurate. 

TAKE NOTICE THAT YOU ARE IN VIOLATION OF 15 U.S. CODE 1861C-2 IF YOU FAIL TO REMOVE THE LISTED ACCOUNTS AS REQUIRED AND MANDATED BY LAW. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I did not provide you with a permissible purpose to report any of these accounts which is a violation of 15 U.S. Code 1681b ( 2 ). I have provided you with proof of identification, a copy of the required identity theft report, a list of the accounts along with a statement advising that none of those accounts were transactions authorized by me, the federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know the exact time. they wont give me any information because the ssn dosent match what i gave them. Its not mines. I never received a car loan. I suffer from XXXX  and XXXX its hard to focus and deal with this situation. Its not my loan.
Product: Debt collection

Account is stating incorrectly on credit report previously account was stating as a collection, derogatory and charge off all at the same time with XXXX XXXX and XXXX XXXX was not reporting any data account on credit report. Requested to verify or delete as I do not recall having this account open. I did not receive any documents verifying debt as mine rather results to investigation came back still reporting incorrectly. Account is now removed from collection to back to a open account type. XXXX is reporting comments of collection yet records payments on payment history Stating as OK as agreed all the way from XX/XX/XXXX to XX/XX/XXXX with120 days late on XX/XX/XXXX where previously account had no history whatsoever. Completely forgetting to record payments on date last payment. XXXX is reporting consecutive charge off from XX/XX/XXXX all the way to XX/XX/XXXX as if it was some sort of payment method. Date last active is incorrect stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX by XXXX and XX/XX/XXXX by XXXX. This account is a total mistake there is no possible way that account can go from collection to back to an open account reporting no payments to adding payment history on one bureau and then the next bureau reports the whole opposite no doubt account is a mistake itself.
Product: Checking or savings account

I am writing to file a formal complaint against US Bank regarding the recent closure of my account and the ongoing investigation they have initiated, which has resulted in my funds being frozen. 

On XX/XX/year> ], I was informed by US Bank that my account was closed due to suspected fraud, and that there is an ongoing investigation. Also that they can close my account for any reason and I can't appeal it so they don't need to explain anything. 
I have been unable to access my funds, which amount to approximately {$750000.00}, all of which are derived from a trust that I inherited. I have provided documentation to US Bank to verify the legitimacy of my funds, but I have not received a satisfactory explanation regarding the closure or the nature of the fraud investigation. 

I believe that I have not engaged in any fraudulent activity, and I am concerned that this situation is unjust and has caused me significant distress, particularly as I currently lack access to essential funds for living expenses. I am in a bind because I put all my money into US Bank instead of diversifying it now that this issue has arrived I can't pay rent my birthday is coming up I can't feed my kids I don't have any other source of funds and it's causing me a lot of problems. 

I respectfully request your assistance in investigating this matter and advocating on my behalf with US Bank. I would appreciate any guidance you can provide on how to resolve this issue and regain access to my funds. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Mortgage

My loan was transferred to Midland Mortgage by XXXX XXXX company after forbearance. in XXXX of XXXX. During that time after that date, I keep getting in touch to MIdland and asking them so what going to happen with my loan, they said that your paper works are not ready they still do not know because my papers are not completed yet. but you are not obligated yet to pay your monthly payment since, they still waiting for modification, then my modification was granted in XXXX and stated in XXXX of XXXX. Now I want to refinance my house I see that I have 120+ late payment in my credit report which is avoiding me to get refinance, How is that happen? when Midland mortgage just finished my paper work in XXXX and I started paying on XXXX and I was on time paying the mortgage since then.
Product: Payday loan, title loan, or personal loan

Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Six months ago, I was approved for a {$4000.00} loan, payable on the XXXX of every month in the amount of {$140.00}. Although I made a payment before the first due date the balance has not decreased much. In addition, I made payments prior to due date in the amount of {$150.00} per month. The creditor would often deduct the {$140.00} instead of the {$150.00} which I authorized ; whereby, preventing me to pay loan off sooner. I have never seen the original loan document with scheduled payments, I tried to refinance the loan to get a lower interest rate but was denied a few months ago.
Product: Credit reporting

XXXX I requested Transunion to correct inaccurate information on my credit report. To correct my date of birth DOB. 

Transunion reports it as XXXX and I submitted a request letter with Naturalization certificate ( copy ) XXXX XXXX and XXXX with same DOB. 

In XXXX 2015 I called to TU to find out if they updated my DOB. They did not. 

The woman on TU end asked me to resubmit this request all over again. 
And attach etiher XXXX copy of DC DL. 

On XXXX I resubmitted my request with XXXX mail. 

I attached request letter, and copy of DC DL with birthdate XXXX. 

To Date I did not receive confirmation from Transuion about it. I called to TU last week and asked if TU pdated my DOB? The TU said that they did not update it because they need another letter from me with another copy of DCDL. 

It became endless and I ask for your intervention please to help me with update of my correct date of birth. 

If Transunion is not in business to do credit monitoring, maybe they should sell apples and oranges on the street? 

Please help!
Product: Credit card

Did not authorize an inquiry. Suspect attempted identity theft. XXXX, XXXX XXXX, XXXX XXXX, SD is the company that made the inquiry. Mi could not find a phone number for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XX/XX/XXXX {$720.00} XXXX XXXX - XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX, and Equifax have 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 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Fail to follow Federal law and not notifying In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.in which i was not notify. that this account from XXXX was recent deleted from my credit report and now XXXX XXXX XXXX, pleace this same account back on my credit report i was not notify. also XXXX and XXXX card over and over stating verified after disputing over and over unacceptable by Transunion these company didnt provide contact with my signature as anytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is incorrectly reporting an erroneous XXXX XXXX  bankruptcy on my credit report. Trans Union has repeatedly denied my request for deletion online, by phone and written dispute countless times over the last 4 months. Transunion maintains the United States Bankruptcy Court of XXXX Tennessee has reported and verified information to them on this alleged bankruptcy, however, Ive contacted the court and they confirmed they DO NOT report any info regarding case filings to any credit reporting agency or third-party data furnisher. XXXX XXXX, XXXX XXXX XXXX have all deleted the erroneous XXXX XXXX bankruptcy from my credit file due to my identity being compromised last year, while Trans Union has repeatedly refused.
Product: Debt collection

This collection agency attempted to collect, $ XXXX my personal bank account and XXXX & XXXX XXXX XXXX ( DBA ) account from XXXX XXXX XXXX They were able to withdraw from the account approximately., {$2000.00}, so far. Theses funds are exempt because The were my social security funds and security deposits from XXXX & XXXX XXXX XXXX. The security deposits funds belong to the tenants and XXXX XXXX XXXX XXXX XXXX is only the custodian of the Security deposits of each tenant. The name and address of the collection agency is United Collections Bureau IncXXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I have written this agency twice with no written response. They did call in response and they did acknowledge that these funds were exempt but blamed XXXX XXXXXXXX for allowing them to seize/confiscate these funds.
Product: Vehicle loan or lease

I brought a car from from car hop the check engine light on and the car was recalled unable to get tags recall d fixed without me paying for it a short in the headlights and panel causing a fire advised car hop this was a lot will like to return car threaten to ruin my credit even if I volunteerly return the car this car can't even get CA dmv tags
Product: Mortgage

On XX/XX/2016, I spoke to XXXX in the Late Stage Collections Dept. at Key Bank. I brought up the five following topics for discussion. He told me that his supervisor, XXXX, had the authority to address these topics and that she would call me " tomorrow, '' XX/XX/2016. The five subjects were : 1 ) Participation in the NYS Attorney General 's mediation program before the filing of a foreclosure action ; 2 ) my request for a stay of any legal action and forbearance of any legal process for some time for a stay of any legal action and forbearance of any legal process for some time, because 2 3/4 months had been " lost '' because of XXXX, Division Manager of Consumer Collections XXXX misrepresentation regarding the applicability of HAMP, and I had just received a loan modification application from XXXX on XX/XX/2016, and I needed to complete two tax returns as part of this application and would be without a car until at least XX/XX/2016 and would need some time to complete these tax returns and the application ; 3 ) sale of the loan to XXXX or XXXX to take advantage of loan modification and extension programs similar to HAMP and UP, since these programs expire on XX/XX/2016 ; 4 ) stay of the notice of acceleration letter ; 5 ) how we should handle adjustments to the loan account for counterclaims against Key Bank. 
I did not receive a phone call from XXXX on XX/XX/2016, as I had been promised by XXXX. I called on XX/XX/2016 and requested to speak to XXXX. I was told XXXX was unavailable to speak. I left a phone message for her to call me and, if I was not by the phone, to leave a message with the best time - or even better - a specific time I can reach her and I will call her at the time she specifies. I did not receive a phone call on XX/XX/2016 and have yet to receive a phone call from XXXX. The Wall Street Reform and Consumer Protection Act requires responsive communication from Key Bank. I will be sending a copy of this complaint to Key Bank Chairwoman and CEO XXXX and XXXX, Division Manager of Consumer Collections XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA Opened XXXX. XXXX, 2016 has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

I recently received a writ of execution for my personal residence and personal property for a paid in full mortgage and a debt not owed. ( See attached Bank of America documents. In XX/XX/2015, XXXX XXXX attorney debt collector filed a writ of execution for unoccupied, unencumbered Real Property but failed to pay the Sheriff to finalize and collect his judgment. Now, instead of refilling his writ of execution for the previous, unencumbered and unoccupied, real property worth far more than its illegal judgment, XXXX XXXX counsel has decided to harass and attempt to forcibly take our occupied home where I take care of my ill mother solely to harass, abuse, and extort money not owed. Our personal residence has two mortgages which encumber or secure the property for the amount it is worth placing mortgagees, including Bank of America, NA, in jeopardy to an illegal debt collector extorting us for money owed. I have sent an offer again to the illegal debt collector 's counsel for clear and free, unencumbered unoccupied, real property or raw land, previously sought by writ by the illegal debt collector 's counsel, but the attorneys will NOT respond to any messages to settle the illegal debt for money not owed using my unencumbered and unoccupied real property previously sought by the illegal debt collector 's counsel for money not owed. How do I stop the insidious harassment of attorneys who will NOT stop threatening us because we reported their crimes of using fraud to extort money not owed? Failing to act on the original writ, causing three ( 3 ) more years of interest to add up on the illegal judgment, is another crime of abuse, harassment, and extortion for money not owed. In 2015, I filed a Quash for the property writ, in opposition XXXX demanded I give alternate property to the sheriff and therefore I was Denied. At that point, XXXX was able to collect its illegal judgment for money not owed but failed to do so by not paying the sheriff and allowing the writ to expire. The Sheriff said XXXX 's XXXX " NEVER showed up to pay for the Writ of Execution ''. It is illegal to harass us by now choosing our residence which fully encumbered, serving as security for two loans, one mortgage from Bank of America and another private promissory note, while I have unencumbered and unoccupied real property, raw land in the same county, worth far more in value than the illegal judgment? I would appreciate a response to the pressing issue of abuse, harassment, and extortion for money not owed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the millions affected by the Equifax security breach. Having a credit score is all but required to be a functioning adult in the United States, and I can not just change my SS #, DOB, home address, etc. in the same way I can a password or credit card number. I am infuriated that a company like Equifax would be so careless with my personal information. I have a practically flawless credit score, make my payments on-time, shred documents, etc ... and yet I will be the one held  responsible if my identity is stolen due to the laziness and lackluster security protocols of this company. This is the third time this has happened and they have done nothing to protect consumers. They must be held responsible.
Product: Debt collection

I have been trying to contact XXXX XXXX XXXX XXXX to ask for proof that i owe this credit card debt they purchased from citibank. they have not provided it to me. i did not open any such credit cards or anything like that
Product: Checking or savings account

I am using an app named XXXX to pay my rent and it is not letting me link my PNC bank account to pay directly through the app.
Product: Debt collection

The company keeps calling my boyfriend and telling him that I owe certain companies certain amounts of money. The guy is giving him company names and amount details. 
I returned the mans call the first time he called my boyfriend and said I wasnt allowed to have calls during work hours. He said I was lying. He continued to call me multiple times a day even though I answered. I asked several times for physical copies of the bills he has told me he does not have to provide that and that there isnt a supervisor that would want to talk to me. I have asked him to stop calling people I know and he said he would then he did it again.
Product: Money transfer, virtual currency, or money service

URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of Coinbase Inc. to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Coinbase Inc. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase Inc. respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase Inc. to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, and protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.
Product: Debt collection

I did a volunteer repo for the vehicle and they still saying I still owe. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Informed navy federal credit union created union that account was created due to identity thamedt but Navy Federal credit union is stillattempting to collect debt and continuing to report Inaccurateinformation on my consumer report. I sent them police reportand identity theft affidavits still no resolution. Debt was never legally verified by navy federal credit union
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a police report and federal trade commission complaint requesting them to block XXXX  XXXX accounts and XXXX XXXX  I have supplied these creditors also with a copy of police report and they come back every time saying its verified while XXXX  XXXX says they have been requesting it to delete each time. I requested a letter which is attached stating they agree the accounts were fraudulent as a result of identity theft but these XXXX  XXXX and XXXX XXXX  are still reporting on my credit report
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports