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

Unauthorized inquiries appeared on my credit report today, and I cant figure out why. I always monitor my report, but out of nowhere, these discrepancies have emerged. I refreshed my browser, hoping it was a glitch, but the issue remains. This situation is extremely upsetting, and I demand a detailed review of the documents I provided to resolve this immediately.
Product: Credit reporting or other personal consumer reports

in accordance with the FCRA ( Fair Credit Reporting Act convergent account UPSTART LOAN OPERATI has violated my rights.

15 U.S. code 1631 ( 2 ) ( 41 ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.

15 USC 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to any of my requests to investigate, verify and remove accounts from my consumer credit report that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have both invalidated information due to identity theft that they have claimed to have verified on my report. For Experian it is XXXX and for XXXX it is XXXX XXXX XXXX for a XXXX XXXX  I did not attend to. I submitted countless FTC reports which they have failed to respond or provide verification proof please see the document enclosed.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to you once more to address significant legal concerns regarding the reporting of late payments on my student loan account and the management of my account since its acquisition. As a resident of California, I am protected by specific state laws in addition to my rights under federal law. 

First and foremost, I would like to address an issue with the transfer of my loan from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to XXXX. I have not received full disclosure following this transfer, which is a requirement under federal law. Specifically, under the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), any entity reporting credit information is mandated to maintain accuracy and full disclosure in its reporting practices. The lack of disclosure in this transfer is a concerning oversight that needs to be rectified. 

Additionally, I reiterate my concern regarding the compliance of XXXX with 15 U.S. Code 1681a. This statute clearly states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should not be communicated without explicit consumer consent. Given this, I request that XXXX respond, under penalty of perjury, confirming your compliance with these legal requirements and provide evidence or explanation demonstrating adherence to this federal statute. 

Furthermore, as per the stipulations of California law and your privacy agreement, I am officially withdrawing any consent, implied or otherwise, for the sharing of my personal information with non-affiliated third parties, including Consumer Reporting Agencies ( CRAs ). 

To resolve this matter, I require the following actions : 1. Immediate removal of all inaccurately reported late payments from my credit report.

2. A comprehensive review of my account to ensure all information is accurate and compliant with both federal and state laws, including full disclosures and proof you sent them.

3. An exact original copy of the entire Master Promissory Note, ( which has been pending for more than 3 weeks of my original request ) 4. Written confirmation that these actions have been completed. 

The seriousness of these issues necessitates your prompt and thorough attention. Non-compliance will leave me with no alternative but to seek legal recourse to protect and enforce my consumer rights. 

I expect a prompt and comprehensive response addressing each of these points in detail. 

Sincerely,
Product: Debt collection

I have been disputing this fraudulent auto loan opened in my name with Bridgecrest for the past 6 years, the creditor has ignored my request to have this removed from my credit report.
Product: Debt collection

On XX/XX/2018 the company XXXX XXXX called and left a voicemail that was quite disturbing, I have the voice to text and this message was left for me " This is a final courtesy call from the XXXX XXXX XXXX. Before reporting that you've been uncooperative and investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good day. '' I admit I never answered the phone from the them because I do not answer random calls from random numbers, but I have read many complaints from the XXXX on their practice and feel them using jurisdiction, law etc is out of practice and is a scare method to make people call them. I'm truly not interested in speaking with them and would like for XXXX issue to be forwarded back to the original debtor for resolution for this company using a scare method is not my how I want to handle this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ARS  ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

Wells Fargo randomly replaced my credit/debit cards without reason TWICE, stating that the reason was " only for my protection. '' I pay most of my bills online and virtually changed all my accounts after the first time AND then had to do this again. What a total pain-in-the-ass. TWICE???? 

Furthermore, when my current card expires in just a couple of months, they won't renew that card number. I have to get a new one again! 

If I have to make a credit card return I am screwed because retailers won't accept a new card # for a credit to my account and I will be stuck with a " store credit ''. Wells Fargo screws me again. 

Just a couple of weeks again, they froze my account over a {$4.00} charge at know business that I use frequently and that " they felt '' was at risk. 

They do this all of the time... if there was another national bank in Texas to use, I would change. Sadly there isn't.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep frustration and disappointment regarding the numerous attempts I have made to rectify and remove a charge-off account from my credit report, which has been negatively affecting my financial standing for an extended period. 

The charge-off account in question, associated with XXXX  XXXX XXXX XXXX, has caused significant distress and inconvenience. Despite my repeated efforts to address this matter with your company, it remains unresolved. I have contacted your customer service department on multiple occasions, and have provided all requested documentation and information to support my case. 

It is essential to highlight that my attempts to remove the charge-off account have been driven by a sincere desire to rectify any legitimate discrepancies and fulfill my financial responsibilities. I have acted in good faith throughout this process and have cooperated fully with your company 's requests for information. 

I am formally requesting the following actions to be taken urgently : An immediate investigation into the charge-off account to determine its accuracy and validity. 
If the charge-off account is found to be inaccurate or unjustified, its removal from my credit report. 
A written confirmation of the resolution, including the date when the charge-off account was removed. 
An apology for the extended delay and the negative impact on my financial situation and creditworthiness. 
I understand that maintaining accurate credit reports is essential for both creditors and consumers, and I believe that my request for a fair and accurate representation of my credit history is well-founded. 

Failure to address this issue within the exact timeframe from the date of this letter may leave me with no alternative but to seek legal remedies or involve relevant regulatory authorities to resolve this matter. I am asking for your immediate assistance to remove this charge off account : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}.
Product: Debt collection

Not my debt 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email from Coinbase that a transaction occurred on my Coinbase account. This transaction was not initiated by me and was an unauthorized/fraudulent transaction from my Coinbase account in the amount of {$3100.00}. I immediately called Coinbase to report and stop the transact as their email stated that the transaction would be completed by XX/XX/XXXX. The withdrawal was to an account that wasn't mine. I've been with Coinbase for 4 years and have never changed the bank account associated with by Coinbase account. Coinbase escalated my complaint and gave me case XXXX XXXXXXXX. Between XX/XX/XXXX and XX/XX/XXXX I called Coinbase support numerous times and sent emails. Finally on XX/XX/XXXX I heard from Coinbase support asking many questions which I answered honestly. On XX/XX/XXXX, I received and an email which looked exactly like the ones Coinbase uses notifying me that the email associated with my Coinbase account had been changed and if this wasn't me to immediately secure my account. I did click on the link ( my mistake ) and quickly realized that this was a phishing attempt. I received similar email attempts over the next 2 days which I did not click on any links. I assumed that the attempted hack was thwarted and I was okay. Coinbase support responded saying that on XX/XX/XXXX at XXXXXXXX XXXX that my account was accessed from the XXXX address XXXX ( XXXX XXXX ) and changes were made to accessing my account. My complaint is that Coinbase refuses to acknowledge that they failed to notify me that my account was accessed from a new device/IP address. Coinbase support is hiding behind their User Agreement which specifically states that users are responsible for the security of their devices. On XX/XX/XXXX, Coinbase has ended any communication with me stating they consider my complaint closed, this email was after I wanted to know why Coinbase didn't notify me when my account was accessed from a new device/IP address. Further, I am not being told that the Coinbase app, which I've used for 4 years, isn't as secure as using a browser to access my Coinbase account. Would have liked to have that information before the fraudulent activity on my account.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 6 o 2 states i have the right to privacy ( 15USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.
Product: Mortgage

BSI is my loan services who has charged late fees for 4 months despite having timely paid more than my required mortgage payments. After contact BSI they have failed to explain nor remedy the issue. 

They claimed that one payment in XXXX was processed or received after the grace period even though I have set up auto payments from my bank to be paid with a couple of days at the beginning of each month, and perhaps the mail during the holidays was slow. 

I have always paid my mortgage payments on time and fail to understand how my payment was late given the auto pay process and given 16 days grace from monthly due date I have over paid my mortgage payment by {$22.00} that has previously been applied to added principle and if for some unknown reason it was processed late then the excel payment should have been applied to late payment fees, and it wasnt. 

Concerned that I have been charged late fees for 4 months when my payments were made timely. And these late payments impact my credit and ability to get new financing
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/2021 XXXX, I called Transunion to remove XXXX XXXX XXXX an unauthorized/use inquiry Pursuant to FCRA 15 USC 1602 ( p ). Pursuant to FDCPA 15 USC 1692c ( c ) ( 2 ) I invoked my right as the consumer and the original creditor, and Transunion refused my invocation of consumer rights 10 times. The first female employee name is XXXX, she denied/refused my invocation 5 times, and the following male employee/supervisor XXXX XXXX denied/refused my rights 5 times. Under FDCPA 1692k this is {$1000.00} each violation. Under FCRA 1681, this inquiry is a violation. This inquiry is not accurate, or fair credit reporting. Pursuant to 15 USC 1602 ( p ) This is unauthorized use of my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( b ), Transunion is in violation of this law. Transunion has violated my consumer confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
XXXX XXXX hung up the call terminated the call without my consent, which is another {$1000.00} violation under the FDCPA 1692k CIVIL LIABILITY.

Pursuant to 18 USC 3571 ( c ) ( 7 ) FINES FOR ORGANIZATIONS, this is an infraction, not more than {$10000.00}. 
Pursuant to 15 USC 6823 CRIMINAL PENALTY, ( a ) In General Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. 
( b ) Enhanced penalty for aggravated cases Whoever violates, or attempts to violate, section 6821 of this title while violating another law of the United States or as part of a pattern of any illegal activity involving more than {$100000.00} in a 12-month period shall be fined twice the amount provided in subsection ( b ) ( 3 ) or ( c ) ( 3 ) ( as the case may be ) of section 3571 of title 18, imprisoned for not more than 10 years, or both.

Pursuant to 15 USC 6821 PRIVACY PROTECTION FOR CUSTOMER INFORMATION OF FINANCIAL INSTITUTIONS ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution PURSUANT TO FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy rights as the consumer, and as the original creditor. My remedy demands are as follows Removal of XXXX XXXX off of my TRANSUNION report. 
Imprisonement upon XXXX, and XXXX XXXX, for not more than 10 years 15 USC 6823 Pay the total amount of fines as required by law.

TOTAL NUMBER OF VIOLATIONS- 54 TOTAL MONETARY REMEDY- {$54000.00}
Product: Checking or savings account

I was living with a roommate in XXXX, Im not exactly sure but the person I was living with got ahold of my Bank of America Debit card . The person attempted to deposit a check via ATM and I was alerted by BOA. I contacted Bank of America and attempted to inform them on this fraudulent inconvenience and they just went ahead and closed my account anyway.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this Creditor has violated my rights under 15 USC 1681 section 602 states : I have the right to privacy 15 USC 1681 section 604 a section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Portfolio Recovery continues to report and attempt to collect a past due balance, despite my continued disputes, on a collection listed on my credit report. This debt has been paid in full since XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Hello Consumer Affairs and XXXX XXXX XXXX I am submitting a complaint to you regarding XXXXXXXX XXXX XXXX XXXX. I have had credit XXXX XXXX on my PayPal Credit line and on my PayPal XXXX account. I initiated a debit cancelation claim for both PayPal credit lines to be paid off due to my XXXX due to a car accident I was involved on XX/XX/XXXX. I also submitted a second debit cancelation claim due to a second car accident I was involved in on XX/XX/XXXX. 
I was instructed by XXXX  customer service representative on XX/XX/XXXX to have the physician forms completed and signed by my doctor. I received the forms from XXXX  XXXX  customer service with assigned claim number XXXX. My primary care physician completed that forms back on XX/XX/XXXX I communicated with XXXX  XXXX  Customer Service representative multiple times regarding this claim via phone. I also sent them emails. I spoke with the customer service team in XXXX and XXXX XXXX. Shortly after that I could no longer reach XXXX  XXXX  customer service team by phone, XXXX  XXXX  website, nor by email I tried to upload my documents and physician forms to XXXX  portal. Unfortunately, when I attempted to access their website I received a web page error message saying the web page not found. I tried to reach XXXX XXXX  by email go multiple times. I received every time I sent an email that the email address XXXX could not be reached, mail delivery failed, and email inbox full error messages. I have tried to call XXXX  XXXX  customer service team at XXXX multiple times XXXX. Unfortunately I would constantly receive the message saying that they are having technical issues. We are working to have it resolved quickly and swiftly as possible. and to contact XXXX for service. When you call that number the number belongs to Synchrony Bank who tells me that they cant do anything for XXXX  XXXX is a third party they offer to their cardholders such as myself. This issues with XXXX  XXXX  has been unreachable since XX/XX/XXXX. It is now XX/XX/XXXX. That phone message is still stated to this day when you call XXXX  XXXX  customer service number XXXX How long does it take for a corporation to fix their technical issues? XXXX is still charging me for the XXXX  XXXX  fee on my borh by credit cards they are suppose to cover but are not.

I Mailed XXXX  XXXX  my Physian 's forms and medical suppprting documents for XXXX XXXX XXXX XXXX certified mail. Those documents was sent certified mail on XX/XX/XXXX. It was confirmed that XXXX  XXXX  received the certified mail XX/XX/XXXX. I still have not received any responses from XXXX  XXXX  company. 

Resolution : Pay off all credit card balances per my claim submitted and per XXXX  XXXX  XXXX guidelines states. 
Credit back insurance fees charged to my credit cards paid from XXXX XXXX due to company not in operations and not functioning due to technical issues per the phone recordingXXXX XXXX 
XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

recently reviewed my credit report and noticed I have a inquiry from this company I did not authorize them to do so I have reached put numerous times to resolve. Unauthorized use of my information to obtain credit etc process done as well as police report