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

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC to formally report a violation of my rights under the FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( ( 15 U.S.C 168 1b ) and applicable provisions of the FDCPA. Fraudulent activity has impacted my XXXX credit report, including unauthorized accounts and fraudulent collections that were reported without my authorization. These actions are clear violations of my rights, as the accounts were reported without verification or my consent, resulting fraud. I demand that these fraudulent items be immediately removed from all of my credit reports I request a thorough investigation into how these violations occurred. FTC Report XXXX : XXXX, dated XX/XX/year>. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX account number XXXX Please find enclosed the following documents to support my claim :. I hereby demand the immediate removal of this fraudulent account from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( FDCPA ). I require that this account be deleted in compliance with these protections, and I expect confirmation of its removal to ensure. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report information on me even when I specifically asked them not too. You are a reseller of consumer data information. The problem is you do not have authority or permission. I demand you remove the bankruptcy, any misspellings of my name or address that is incorrect. I did not ask where LexisNexis got the information but specifically to provide me with the evidence that proves I signed off for their service. They can not provide any such information because it does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my credit card bills have zero balances with paid I full : XXXX, XXXX XXXX, and XXXX. Have never been late or delinquent. There should be no delinquent credit information on my credit report for any accounts considering Federal Truth In Billing and Credit Reporting Disclosures Act and FTC Law with legally variable proofs provided. It is the due diligence of the bureaus to report true and accurate informations to avoid discrimination in lending. 

In addition, moved to dispute all credit inquiries within the last 180 days to current because they were done in bad faith, malice intends, and knowledge without proper authorization and Disclosures as a matter of law as exposed vulnerabilities. These inquiries have substantially caused my credit report to decrease as consequence. As a result have threaten my access to equal credit and to apply for loans to enjoy the equities in my homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my credit report is reflecting late payments on two accounts from America Express. These items are inaccurate because one account is paid in full, and the other account is in good standing. See enclosed documentation. AMERICAN EXPRESS : # XXXX ( account is current ) AMERICAN EXPRESS : # XXXX ( paid in full ) I notified the business on XX/XX/2018, requesting the removal of erroneous information from all three credit bureaus. Additionally, I asked for a written statement of their verification process. I received neither.
Product: Money transfer, virtual currency, or money service

XXXX and coinbase.com have absolutely nonexistent customer service and there is evidence accumulating that they are actually running a Ponzi scheme. I submitted a withdrawal increase request on XXXX XXXX, 2017 and despite stating that review takes 5 to 10 business days, they have yet to approve or deny my request. Multiple repeated attempts at contacting the customer service have been completely ignored. There is evidence that they are intentionally " losing '' large withdrawals ( on XXXX  ) and not approving withdraw increase requests because they only allow people to withdraw a sum smaller than they have coming in that day ( I.E. THEY ARE RUNNING A PONZI ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX ( account number XXXX ) has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. states, I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. SECTION 2 : It also states reporting agency can not furnish a account without my written instructions. 

XXXX XXXX  AMOUNT - {$11000.00} ACCOUNT NUMBER - XXXX DATE OPENED - XXXX XXXX, XXXX AUTO LOAN REPOSSESSION STATUS DATE - XX/XX/XXXX PAST DUE AMOUNT - {$4500.00} RESPONSIBILITY - INDIVIDUAL TERMS - 72 MONTHS ADDRESS - XXXX XXXX XXXX XXXX XXXX, AZ XXXX PHONE NUMBER - ( XXXX ) XXXX ________________________________________________ In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ( account number XXXX ) has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. states, I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. SECTION 2 : It also states reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ON XXXX. XXXX, XXXX - {$61.00} ACCOUNT NUMBER - XXXX DATE OPENED - XXXX. XXXX, XXXX ( COLLECTION ) STATUS DATE XXXX XXXX ADDRESS - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PHONE NUMBER - ( XXXX ) XXXX ________________________________________________ In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account number XXXX ) has violated my rights 15 U.S.C. 1681 SECTION 602 A. states, I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. SECTION 2 : It also states reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX. XXXX, XXXX {$120.00} ACCOUNT NUMBER - XXXX DATE OPENED - XXXX XXXX, XXXX ( COLLECTIONS ) XXXX XXXXXXXX XXXX ADDRESS - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX PHONE NUMBER - ( XXXX ) XXXX ________________________________________________ In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account number XXXX ) has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. states, I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. SECTION 2 : It also states reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
BALANCE ON XXXX. XXXX, XXXX {$5300.00} ACCOUNT NUMBER - XXXX ( COLLECTIONS ) DATE OPENED- XXXX. XXXX, XXXX XXXX XXXX G ADDRESS - XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX PHONE NUMBER - ( XXXX ) XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX  ( inquiry account ) has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. states, I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. SECTION 2 : It also states reporting agency can not furnish a account without my written instructions. 

XXXX XXXX INQUIRY DATE XXXX. XXXX, XXXX REMOVAL DATE- XX/XX/XXXX XXXX XXXX COMPANIES ( BUSINESS TYPE ) ADDRESS - XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX PHONE NUMBER - ( XXXX ) XXXX ________________________________________________
Product: Mortgage

On XX/XX/2021 I applied for a mortgage through 1st Priority in XXXX XXXX. When I met with the representative named XXXX I told him I am fee for service XXXX XXXX XXXX  and have been for over 20 years. I told him that sometimes my pay is a little low in XXXX to XXXX until the XXXX  come pouring in. He said it did not matter that they will look at my yearly income. He showed me that I was preapproved for the amount i was needing for this townhouse and locked me into a rate which expired a month ago. He stated 2 months later after I moved into the townhouse that they could not count my XXXX XXXX  because its less than 3 years. I said well why didnt they look at this 2 months prior before I moved again. Im getting up in years and its XXXX  very hard for me to move. He said sorry no loan. So I complained to the manager named XXXX XXXX. He called me well over a month ago and said we are waiting for your income to go up. I said well since the child support was XXXX and you said that was enough then if my income goes up that XXXX in one month I should be good right. He agreed. Now my income went up XXXX a month. I am grossing XXXX a month with no debt and after 1 month of NO communication and assuming I could move forward since my pay went up he told me sorry NO loan only after I pressed to close in a couple weeks. I have paid for bank appraisals, paid XXXX in rent to live here. I want to sue for my loss of money and time and emotional/physical toll of being LIED to and XXXX  around.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS A XXXX XXXX XXXXXXXX FROM XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS COMPANY IS MARKING MY PAYMENTS LATE WHEN THEY KNEW I WAS AFFEECTED DIRECTLY BY XXXX I DEMAND THESE ITEMS REPAIRED XX/XX/21 AND XX/XX/21 THESE PAYMENTS WERE AFFECTED BY XXXX XXXX XXXX XXXX XXXX XXXX AND I SENT PROOF THAT I COULD NOT POSSIBLEY XXXX OR XXXX OR XXXX IN ADDITION I PAID XXXX SO THESE IDIOTS NEED TO FIX IT THIS IS MY XXXX TIME COMPLAINING THEY IGNORE YOU AND THEY IGNORE ME I AM FINDING AN ATTORNEY TO SUE XXXX THEY ARE ALL XXXX AND DO NOT CARE ABOUT CONSUMERS. THIS COMPANY IS FRAUDULENT IN ITS PRACTICIES AND NEEDS TO BE HELD ACCOUNTABLE. I DEMAND MY CREDIT REPORT FIXED THE CREDIT CARE ACT SAYS I CAN NOT BE PUNISHED FOR BEING SICK REMOVE ALL NEGS NOW ITS SUPPOSE TO REPORT ON TIME AS REQUIRED BY CARE ACT
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX % accurate.
Product: Mortgage

I have been trying to get a short sale for over a year from Wells Fargo NA. I submitted several short sale offers but they got rejected because the bank stated that I had a surplus but they never included my partial claim from HUD that totaled XXXX when reviewing my account. I also received letters that stated I did n't meet the terms of the Approval to Participate, but I never received any letters regarding this. I finally was able to speak to someone that could answer my question of why was n't my partial claim being included in my payoff statement. He admitted that the partial claim from HUD was not included in the payoff statements mailed out to me or when reviewed for a short sale. Due to this major oversight by the bank I am now in active foreclosure and have a declining credit score.
Product: Mortgage

I applied for a XXXX loan with Customers Bank. They were incompetent with handling that loan. On XX/XX/year>, I got a payoff letter from Customers Bank stating I only needed to pay {$16.00} to fully pay off the XXXX loan. 

But later down the line, when I tried applying for a XXXX loan, I was delayed for weeks because the XXXX said I actually needed to pay an additional {$3700.00}. Customers Bank 's XXXX department XXXX do anything to resolve this, so I actually ended up paying the {$3700.00} so I could get the XXXX loan.
Product: Vehicle loan or lease

On XX/XX/2018 I called Santander Consumer USA to discussed have my payment were only being applied to interested only. When I spoke to the customer service rep she was unable to explain why all on the payment were being applied to interest regardless of the amount of payment. I check the back of my statement and it does not specify have payment are applied. My schedule payment amount is XXXX. I typically pay XXXX instead of XXXX. I would like details as to how and why my payments are only being applied to interested. I understand that this is a high interest loan, however I do not understand Santander accounting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXXXXXX XXXX  to verify this debt on my account since XXXX of 2023. An investigation was started on XXXX XXXX, 2023. XXXX XXXX has still refused to handle this issue. They have disregarded every right I have as a consumer. My mext steps will be legal action. The debt was deleted from my XXXX report but still remains on my Equifax and XXXX reports. Please view attachments from prior investigation. It has been over 30 and there has been no resolve to my issue yet they keep updating this account on my credit report. IF THIS ACCOUNT IS NOT DELETED IMMEDIATELY I WILL BE TAKING THIS TO COURT. 

1006.34 Notice for validation of debts.

15 U.S. Code 1692g - Validation of debts
Product: Credit reporting

I had some loans prier to XX/XX/XXXX thru a bank. I filed bankruptcy on the bank XX/XX/XXXX. In XX/XX/XXXX the bank is reporting if as XXXX payments received and pay status as charged off. It is hurting my credit on buying a house. Plus I am having to pay high Intrust on anything I purchase on payments. Can this bank legally do this to me.? I feel this is unfair. It should n't even be on my report at all.
Product: Debt collection

Hello i took a loan out for with a pay day loan company and lost my job a few months later something out of my control i let the company know and they did not care or listen or work with me on the situation and continued to harras and call me and my old job that i did not work for anymore a few times with out consent or after i told them to stop calling..
Product: Credit reporting, credit repair services, or other personal consumer reports

The process to freeze your credit with Experian is incredibly predatory. The page that shows up on XXXX to freeze your credit with them is broken. Once you sign in to your account, the option to freeze is incredibly hidden, and they just constantly try to upsell their paid XXXX service.
Product: Checking or savings account

1 week ago I was locked out of my COINBASE account that is holding {$4000.00} of my money and I have emailed 6 times left 5 messages and tweeted to their support. I 've gotten no responses at all and have found numerous others dealing with the same problems. There is no support and out money is being literally stolen in front of us. This is fraud beyond fraud and some have been waiting months to get into the a account. Also, to email support, you have to sign into the account which you ca n't when locked out. The support number only tells you to email which the posted they do not respond to. This business should not even be running. It 's a XXXX XXXX based company doing this!! I want resolution asap!!!
Thank you XXXX
Product: Credit reporting or other personal consumer reports

I maintain a myEquifax account so I am able to manage credit freezes on my credit report. I recently removed the credit freeze so that a home security company could do a soft credit inquiry on my account. After removing the freeze, the company was still not able to access my credit report for their soft inquiry. I called Equifax ( XXXX ) to help research the issue. I was asked for my address, SSN, DOB, name, email and phone number. I provided all of that data and Equifax still tried to get me to send them a copy of my drivers license. They sent a text to my cell phone trying to get me to provide this info and I did not feel comfortable or feel that it was necessary. Because I would not provide a copy of my drivers license they would not even tell me why the company wasn't able to do the soft inquiry nor would they help me fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to rectify erroneous information on my credit report through Experian for the date below for quite some time now. Each and every time I dispute the information below, Experian returns a result of " verified ''. The information is incorrect and most recently, I reached out to Experian for the specific methods used to investigate my dispute and the response was the same. This erroneous data below does not belong on my credit report and Experian is not following the CFPB Guidelines for investigating a dispute. Experian has not provided the requested information regardless of my specific ask as to how this information was verified. Below is the letter I sent to Experian 's attention by Certified Mail. The receipt is attached. Thank you for your time. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX Current : Account previously in dispute - investigation complete, reported by data furnisher Previous : Account previously in dispute - investigation complete, reported by data furnisher XX/XX/2023 to XXXX XXXX XX/XX/2023 Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX DT XXXX XXXX  XXXX The account mentioned above was recently disputed due to the inaccurate information it contains. Experian returned the dispute as a Verified Status. 
Please provide the requested information below according to the Consumer Financial Protection Bureau. 

ALL information in my Consumer File along with all applicable data regarding the dispute listed above. 
Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in my Consumer file at the time of the request The name of the person who investigated the dispute XXXX XXXX XXXX The methods that were used to verify the disputed information XXXX XXXX XXXX The results of the investigation XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I deposited a check through the mobile app to my CitiBank online portal. 
They are flagging this check ( from my dad through XXXX XXXX for $ XXXX, totally not fraud ). 
I did not find out until I went to dinner and my card stopped working. CitiBank froze all my money. Ive proven that the check came from my dad ( he signed an affidavit and its showing cleared ). They said they will now freeze for 30-60 days. 

I have checks bouncing, my mortgage wont be paid. I need help. The check isnt fraud, they know that. Now they wont release the $ XXXX in the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2016 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXXI sent a letter to XXXX  disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating they verified the item with the US bankruptcy courts ; however on XX/XX/ I sent a letter to the US bankruptcy courts requesting if they can confirm or deny that their office reported a bankruptcy to the credit bureaus, they responded XXXX Please be advised the court has no interaction with any credit bureaus I also went to XXXX XXXX to dispute the item in question and on XXXX XXXX XXXX could not verify the item so they removed the bankruptcy from their database. 

I have sent proof to XXXX  showing that the US bankruptcy courts did not interact with the credit bureaus and that XXXX XXXX deleted the bankruptcy from their database, they were informed that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item in which is imploding on my ability to purchase a home and causing me to pay XXXX  of dollars in interest each year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit reporting or other personal consumer reports

Capital One Financial Corporation XXXX, and XXXX Subject : Demand for Removal of Fraudulent Credit Inquiry Within 30 Days Dear Capital One and Credit Bureau Representatives, I am formally requesting the immediate removal of a fraudulent inquiry from my credit report, which resulted from an incident of identity theft. As the documented victim of this crime, evidenced by my Federal Trade Commission ( FTC ) identity theft report ( Report Number : XXXX ), I am exercising my rights to ensure the protection of my financial identity and credit integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a dispute for inaccurate information and unverifiable accounts with Equifax. They have refused to follow the law as prescribed by congress under the Fair Credit Reporting Act. 
According to the FCRA 15 USC 1681 the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information of these accounts are still not reporting 100 % accurate ; and according to the FRCA 15 USC 1681 everything has to be 100 % accurate.

They also violated my rights under 15 USC 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 
The following accounts have not been verified under the Fair Credit Reporting Act Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX