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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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 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. 16815-2 ( 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. 

Experian has " XXXX XXXX '' on my report it is an error that needs to be removed XXXX XXXX states i have had a card since XXXX  but the information only reflects XXXX XXXX XXXX  Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX/ bureaus illegally restarted removal timeline after settlement
Product: Money transfer, virtual currency, or money service

Explanation of the Complaint to the Consumer Financial Protection Bureau ( CFPB ) Background : In XX/XX/year>, {$750.00} in my Coinbase account was placed on hold without explanation. Despite numerous attempts to resolve the issue, Coinbase has failed to release the funds or provide a valid reason for the hold. This prolonged inaccessibility to my money has caused significant financial and personal harm. 

Details of the Incident : Funds Held Without Reason : In XX/XX/year>, I attempted to use the {$750.00} in my Coinbase account to make a payment for our work truck. Coinbase did not process the transaction, leading me to mistakenly believe the payment had gone through. 

I later discovered, during a dispute with the truck dealership, that the payment was never processed. The funds have remained inaccessible in my Coinbase account since then. 

Truck Repossession : Due to the failed transaction, my work truck, valued at {$29000.00}, was repossessed. This vehicle was essential for my livelihood. 

The repossession forced me to rent a replacement vehicle, incurring daily costs of {$70.00}. Over the past two years, I have spent approximately {$51000.00} on rental expenses. 

Resulting Homelessness : The financial strain caused by the truck repossession and ongoing rental expenses led to my becoming homeless. This situation has had severe emotional and financial repercussions. 

Coinbases Lack of Resolution : I contacted Coinbase multiple times through their customer support channels. Each time, I was assured that the matter was being escalated or investigated. 

Most recently, I submitted an escalation request through Coinbases portal ( Submission ID : XXXX, Reference Number : XXXX ). Despite this, I have not received a clear timeline or resolution. 

Coinbases failure to communicate effectively or provide a resolution has exacerbated the harm caused. 

Consumer Protection Violations : Coinbases actions appear to violate consumer protection laws in several ways : Unreasonable Delay : Holding funds for over a year without explanation or resolution. 

Negligence : Failure to process a legitimate transaction, resulting in significant financial and personal harm. 

Lack of Transparency : Repeated failure to provide clear communication about the status of the funds or the reason for the hold. 

Deceptive Practices : Leading me to believe the funds were available while withholding them without justification.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave, responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies. 
I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have or had my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Had not ask me or informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. and i had written them to stop due to identity theft and breach of Data in there care.
Product: Debt collection

I signed up for XXXX XXXX because it was supposed to be support for life once the payments were completed. The letter threatening to send me to collections I received on XX/XX/XXXX and said Ihhave 10 days to avoid I didn't get to finish my treatment because I had some medical issues and they went bankrupt. Now Health Finance Direct/HFD is saying that I am getting sent to a collection agency. I do not make enough money to keep paying for a product that doesn't exist and also have my credit damaged. I tried to block them from my XXXX XXXX card but they then charged my XXXX card without approval so I blocked them from that one too.
Product: Debt collection

I dont know whats going on. I dont know who midland credit management is, but theyre reporting an alleged debt to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to get rid of all inquiries that are listed under Chase
Product: Debt collection

In XXXX to prepare for a mortgage, I pulled myXX/XX/XXXX Consumer Credit Report from XXXX. I found an account that I did not recognize on my credit. A company called COMMERCIAL ACCEPTANCE COMPANY, who has never notified me, or sent me any information whatsoever, was reporting the account in question. On XX/XX/XXXX, I found a dispute letter online and I sent it to them because that is my right. I sent that letter to the address that is reported right there on my XX/XX/XXXX report. That letter was returned to me. How can this be? They are required to report 100 % Factual information to the credit bureaus, otherwise, the account constitutes defamation of character! They have violated the FCRA and FDCPA by reporting incorrect information substantially in the form of an incorrect address. THIS IS ILLEGAL! PLEASE HELP ME
Product: Student loan

This company navient has been the worst company to deal with. The alleged student loan that I have with them as the servicer has been sold the alleged loans to XXXX XXXX XXXX. They sent correspondence in the mail which had the phone number to reach them if I needed assistance to call the number on the letter which was XXXX I called that number on XX/XX/22 to confirm the status of the account and was told it was in good standing and not in jeopardy of any negative reporting or action. Once I got an alert of the 90 days past due filing I contacted them and said I already spoke with someone from their office. They said you spoke to the wrong office. I told them I called the number that was on the letter they sent me. they said it must have been an error in the correspondence. I said that error in the correspondence could have prevented the current situation of the negative reporting. They gave me the wrong number the wrong address and the wrong department. I have spent 5 hours trying to resolve this issue with navient and they were no help at all. I also asked them who gave the authority to publish negative information about payment history to my consumer report. I have never provided them with written consent to do so and they failed to disclose my option to opt in or opt-out of reporting. The reporting that they listed as 90 days past due as of XXXX is in accurate because if the account was allegedly current all year which the report shows, how could it be 90 days past due in XXXX?
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have continuously reported inaccurate information on my credit report, despite my previous disputes and requests for corrections. I have attached a letter that provides proof of the inaccuracies, yet no action has been taken to rectify the errors or remove the incorrect information. This ongoing failure to update my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate review of the attached documentation and the removal of all inaccurate information from my credit report.
Product: Mortgage

In XXXX I took out a mortgage with XXXX XXXX XXXX XXXX for the amount of {$340000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise, the mortgage monthly payment and interest rate were higher than promised, and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and the inflating interest rates. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's  office. The assignment of mortgage assigned the mortgage from XXXX   XXXX XXXX XXXX XXXX XXXX as nominee for XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX started a foreclosure action against me in the amount of {$340000.00} which is about {$3200.00} from the original mortgage 7 years earlier but I had already paid about {$130000.00}. How is that possible?
Product: Credit reporting or other personal consumer reports

I am contacting you to urgently address and rectify significant inaccuracies in my credit report, as reported by Experian. The details in question are not only inaccurate, but also entirely unauthorized, significantly impacting my credit and financial opportunities. Despite my numerous attempts this inaccurate information still remains on my consumer credit report, which needs to be deleted immediately. 

Incorrectly Reported Address : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX PROMPTLY DELETE. IT IS NEITHER ACCURATE OR VERIFIABLE. 
Correct Address : XXXX XXXX XXXX, XXXX, OH XXXX Unauthorized Account : Disputed Account : XXXX XXXX XXXX, Account Number ending in XXXX Nature of Dispute : This account was never authorized by me. Its listing is a clear error, and it must be promptly deleted from my credit report. PROMPTLY DELETE. IT IS NEITHER ACCURATE OR VERIFIABLE. 
Unrecognized and Unauthorized Account : Disputed Account : XXXX XXXX - XXXX, Account Number ending in XXXX Nature of Dispute : I have no association, nor have I authorized or acknowledged this account. Nor have I ever made ANY payments to this alleged debt as it states on my credit report. It must be removed from my report immediately. PROMPTLY DELETE. IT IS NEITHER ACCURATE OR VERIFIABLE. 
Given these accounts are unauthorized, inaccurate, and not verifiable, I demand their immediate deletion from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681e ( b ). The presence of these accounts constitutes a severe error and misrepresentation of my financial history and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has neglected my dispute I sent in by mail. I have yet to receive any updates. This is not the first time I have disputed, They have failed to accurately verify the information they are reporting on my behalf. Reporting late payments on my report causing damage to my financial reputation. Transunion Is in direct violation of The FCRA 15 USC 1681B, 15 USC 1681, 15 USC 1681E ( B ) AS WELL AS 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.Transunion has failed to assure maximum possible accuracy of any account it reports on behalf of a consumer. Transunion should not just report anything on my report because they are being compensated by third parties, this is unfair to me the consumer. As this has been causing me alot of stress.
Product: Mortgage

I have XXXX complaints BB & T/Truist Bank The first, every year this loan has been in force I receive letters from my mortgagee stating I do not have appropriate insurance when I do. I have XXXX flood policies and XXXX hazard policy. Every year I have to spend hours on the phone dealing with representatives explaining the following : 1. Each building has its own flood policy and the flood policies exceed the amount of the loan which is more than required by XXXX. 

2. Only one hazard policy is required for up to XXXX units ( which is how many units I have ). That policy is insured to more than 80 % of the building value and well in excess of the loan value. 

Year after year the mortgagee threatens to or actually force places flood and/or hazard insurance. It takes countless hours and a considerable amount of stress to get them not to force place the insurance. I am currently in possession of over XXXX pages of letters from BB & T/Truist they have sent me over the years and this is not all of the letters I have received. 

The second issue is with their escrow department. On multiple occasions they have made erroneous payments to my insurance company or just strait up have wrong payment amounts on their escrow payment statement. They pay for policies that do not exist or they pay incorrect amounts. Then BB & T/Truist demands I pay thousands for shortfall. Currently my escrow statement shows over {$2000.00} worth of insurance payments that do not correspond to the insurance bills. Also, according to my insurance company, they have not received payment for the accurate amount. This is the second time that I am aware of the mortgage statement being grossly incorrect and to add insult to injury they force me to have an escrow account even though the loan to value ratio is only 50 %. 

I am an educated person who works in the insurance industry with above average wealth. I also nnow how to read statements and am good at reconciling finances. I am left with no choice but to pay off this loan even though I would prefer to keep it. I am just too fed up with the yearly stress of dealing BB & T/Truist. I pity people that do not have the expertise and means that I have to deal with such gross incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Im writing in regards to account number XXXX XXXX XXXX. Ive reached out to PNC on numerous occasions to dispute three fraudulent accounts ( 2 loans and 1 credit card ) that were opened without my consent and knowledge. These loans were then funded to bank accounts that were also opened as results of identity theft and have since been closed. Each time someone calls me and then I dont hear from them again. I then receive letters stating that they cant process it do to payments being made from accounts, which were the same accounts the fraudster ( s ) opened to acquire these loans. Ive since closed accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX as well as couple XXXX banks. Ive reported the theft to the proper authorities and federal government however PNC still has yet to dissolve me of any of the balances and still attempts to collect on these fraudulent accounts violating my rights to a fair and just resolution. Im preparing to file a lawsuit siting numerous violations and an unwillingness to resolve this issue. 

If you all would like to discuss this urgent matter I can be reached at XXXX or XXXX XXXX
Product: Credit reporting

this is the first time ive ever received my background check and i have never broken the law the misdemeanor in XXXX XXXX, Ia was done by someone who gave the police my information i know who it is because shes my sister she told me she had gotten it fixed 8 years ago but obviously from my background check she has n't i have contacted her and she has been willing to help with getting this corrected.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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. 


EQUIFAX XXXX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres no explanation for years Ive been trying to get into my equifax account for some time I continually call them to get no response they continue to furnish negative information about me but cant verify my identity not giving any information unless I pay which ends up being negative spam information. My problem is with none of my accounts or credit its about the negative and malicious information they continue to furnish on me negative payments and etc XXXX dont understand how they can furnish information about me but cant tell me the information they are furnishing
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The list of accounts has violated. My federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 ... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 items of information, other than records of Convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Medical bill that has already been paid. I WANT THIS OUT OF COLLECTIONS NOW!