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. 
I told the Transunion to reinvestigate these accounts : XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I have been receiving rude threatening calls out of Georgia, USA by a company by the name from Mediation Department at XXXX XXXX XXXX. This agent by the name of XXXX XXXX at XXXX Ext. XXXX ; XXXX has been calling my wife ; my son ; and my self for the last two weeks. This person claims that they are collecting debt on behalf of Best Buy, and that I owe over {$2000.00} worth of purchases on my Best Buy account. This person threaten me with legal ramifications if I did not make payment. She has my address ; phone number ; and last four digits of my Social Security Number. She said that if I refuse a complaint would be filed in XXXX XXXX County, CA ; and that I would have 25 % of my income garnished. She was abusive and I told her on the call that it was illegal for her to be contacting anyone in my family without validation. I immediately reached out to Best Buy Credit Card Department and reporter this caller as a fraud. Per the agent at Best Buy, I do not owe Best Buy anything, in fact, I do not have any credit card issued from Best Buy to my name. I contacted Best Buy at XXXX they emphasized that I don ' t owe anything and that I contact local law enforcement. Those are all the facts I know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already submitted a police report and dispute letters stating that the accounts and inquiries that are on my report are inaccurate and have been connected to fraud.
Product: Credit card or prepaid card

My " Serve " them that I had received a referral from a Third party  which resulted in me being awarded the account, but that made no difference. 
I informed them that I had previously enjoyed the type of consideration which I was then requesting on the same account, to no avail. 
I finally informed Customer service that my " Serve " account was linked to my XXXX XXXX account without success The closing created a detriment to my XXXX XXXX  account. 
I mailed a letter by Certified mail to this affect to American Express Customer Relations Team in XXXX XXXX XXXX back on XX/XX/18 and they have issued no response, Notwithstanding the fact that my account was closed without any prior notice to me through mailings or through email.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I have reached out to XXXX XXXX XXXX XXXX  regarding the validity of the debt, but they did not provide any proof of the late payment status on this account. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. It is important to me that my credit report is accurate and up-to-date, which is why I am requesting that you either provide proof of the late payment or delete the negative payment status on this account. Please keep me informed about the status of this dispute, and provide me with any updates or documentation related to this matter. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes. Particularly in light of recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBP 's finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lacks of accountability and transparency is unacceptable and raises serious concern about consumers safety.
Product: Debt collection

Fox Collection XXXX reported a {$72.00} collection to all credit bureaus. The original creditor XXXX XXXX XXXX XXXX cleared/paid this XX/XX/2021 debt through their charitable program. I have provided the company proof of documents and they are still not removing this debt. This is causing me financial issues with closing on my home. I need this removed immediately from my credit because it has been paid in full.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a small business loan with my credit union and the underwriter told me I was not able to be approved not because of my credit score but because there is some collections on my credit. I dont know how I have collections I pay all my bill before they are due. I went to home and looked at my credit and I see 3 accounts on there that is not mine XXXX XXXX. XXXX and XXXX XXXX. Im doing this by myself and I have also reached out to the FTC and the police here. I was told that you all can help me with this.
Product: Vehicle loan or lease

Paid off Exeter finance car loan with a refinance loan at a much better rate in XXXX of 2021 with XXXX XXXX XXXX Exeter is reporting this as paid off through bankruptcy which is totally false
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account number XXXX ( XXXX XXXX XXXX XXXX ). to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX ) 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report, which contains negative items that are affecting my credit score. Specifically, I would like to dispute the following items : XXXX XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX XXXX, which I do not recall authorizing. As I am unsure of the legitimacy of this inquiry, I request that it be immediately removed from my credit report. 

XXXX Inquiry : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX, which I do not remember authorizing. I suspect that this inquiry might be fraudulent, and therefore request that it be removed from my credit report immediately. 

Incorrect Personal Information : I have noticed that my credit report contains an error in my personal information. Specifically, my account number and previous address have been listed incorrectly as XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX. I request that this information be corrected as soon as possible. 

I would greatly appreciate your assistance in resolving these issues and improving my credit score. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Ive mailed debt validation letters and have never received response within the allotted 30 day requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered an XXXX XXXX XXXX by XXXX bank in early XXXX. 

I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. 

Now the real problem. According to their website, the XXXXXXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. 

But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. 

Please see the website. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. 

Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.
Product: Student loan

Navient XX/XX/XXXX compliant is I have previous set up a payment plan with Navient. From XX/XX/XXXX. to XX/XX/XXXX this will end. I have paid on time every month. But they are still continuously calling me daily and even on weekends. They sent me an XXXX letter stating I am default and I need to take action soon. I decided to call them and spoke with a representative, she said the representative who set up my payment plan should have never done that. I was never notified about that issue. All I know is that my payment was being deducted from my account every month. Today I spoke with another representative she set a plan that is suffice. ( Forbearance Plan ). 
I was inconvenience for something that wasn't my fought.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

Hello - My name is XXXX XXXX phone no ( XXXX ) and I received a Important Legal Notice of a claim from Mass of Commonwealth Superior Court of a settlement on my part. XXXX XXXX. Navient Solutions , LLC with a claim form to XXXX  I'm a little bite worried this claim maybe fraud. Please advice
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and Equifax for allowing incorrect reporting by XXXXXXXX XXXXXXXX regarding my mortgage account ( Account XXXX : XXXX ). My loan, transferred from XXXX, was in an active forbearance due to hardship and hurricane impact. Despite this, XXXXXXXX XXXXXXXX reported my payments as XXXX days late, which was reflected in all three credit bureaus. 

Key Facts : My forbearance agreement with XXXX ensured my account would not be reported as delinquent during the forbearance period. 
XXXX XXXX 's late reporting contradicts the guidelines under the FCRA for accounts in forbearance due to financial hardship.
Product: Money transfer, virtual currency, or money service

I have held an account in Coinbase and Coinbase Pro for 3 years. 

In XX/XX/2022, upon logging in to Coinbase Pro, I received a message that Coinbase Pro is being phased out and that I should tranfer the funds to Coinbase. Upon doing so, I received an email on XX/XX/2022 titled " Your account is being reviewed '' by Coinbase, which advised that " Account reviews usually take a few days. During this time, you wont able to trade crypto or withdraw funds from your portfolio. '' Upon logging in to Coinbase, I was prompted to perform an " enhanced due diligence '' verification due to the " high volume of transactions '' ( despite having made 1 transaction in 1 year ). I performed all requested verifications, but my account remains on hold. When I login to Coinbase, a banned message appears : " Account under review - Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. '' Coinbase is abusing the enhanced due diligence process to freeze funds and prevent withdrawals, because they are faced with a liquidity crisis. I am being unlawfully prevented from accessing my funds by Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous compliant response is false. I never received any documentation in XX/XX/XXXX. The documentation provided to the XX/XX/XXXX CFPB compliant is a final bill from XXXX XXXX, not a record of any documentation sent in XX/XX/XXXX. Per XXXX XXXX they have no record of sale of account to NCA nor any affiliation with NCA. 

In response to the false information in reference to my email. I sent a website contact for on XX/XX/XXXX, and received an email on XX/XX/XXXX that required a response requesting more information and suggesting phone conversations can be had. I sent a reply on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX with no responses. I submitted another website contact on XX/XX/XXXX and sent an additional email on XX/XX/XXXX with no response. I also sent a fax on XX/XX/XXXX after this was reported to my credit. 

NCA has continued to falsify contact, by stating that anything was sent to me in XX/XX/XXXX or prior when all contact was from me to NCA. Also falsely suggesting that my contact was singular.
Product: Debt collection

This company is sending me documentation that is completely made up with no signatures. The document was clearly made up After my move out date with no signatures. The document that was signed by me in the move in date was disregarded since it had so many complaints in it and the new forged document with no signatures and with amounts that are clearly changed over and over being crossed out. Also date being crossed out over and over again. This company is committing fraud by forging documents with no signatures on them.
Product: Debt collection

I was a resident of the XXXX from XX/XX/XXXX until XXXX of XXXX. My lease was up. I was looking to purchase a home, which I did. The XXXX consistently falsified information to the lender in order to keep me from getting my home. I left the XXXX with the last month paid and was closing on my home. I never heard from the XXXX. then in XX/XX/XXXX procollect began reporting on my credit that I owed a debt to the XXXX. I contacted procellect and explained that the FCRA prevented any company from placing any negitive item on my credit more than 180 days after the delinquency. Pro collect was attempting to collect from a closed account from 365 days prior, by this time I had discarded any receipts, I only keep for six months. I spoke to pro collect and let them know that they were in violation of the FCRA " ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. '' they had no regard for the law and continued to bager me with insults " you shoulda paid your debts i dont know whats wrong with you " which can be heard on the recorded call XX/XX/XXXX around XXXX ish.
Product: Debt collection

To Whom It May Concern, This letter serves as a formal request for validation of an alleged debt your agency claims to collect. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request full validation of this debt and all supporting documentation.

To comply with my request, please provide : 1. Proof of the Original Debt : Detailed information about the original creditor, the debts initial amount, and an itemized account of any fees or interest added.

2. Proof of Your Authority to Collect : Documentation of your agencys legal right to collect on this debt, including any relevant agreements and chain of title from the original creditor.

3. Verification of Statute of Limitations Compliance : Confirmation that the debt remains within the applicable statute of limitations for collection within my state.

4. Original Purchase Agreement : As per Uniform Commercial Code ( UCC ) 3-305, I request a copy of the original purchase agreement and assignment of debt, which establish your agencys authority to act as the creditor.

As required under 15 U.S.C. 1692g ( b ), all collection efforts and reporting activities to credit bureaus must cease until you validate the debt with the requested documentation. Should you be unable to provide these documents, I will assume the debt to be invalid and take further actions to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approximately XXXX in the morning, {$700.00} and {$100.00} was taken from my Cashapp account without my authorization.I don't know the receiptiant was but I tried to explain to cashapp that, I didn't authorize anything to anybody at XXXX in the morning.A text message came to my phone at XXXX in the morning stating that, XXXX XXXX accepted my payment of {$700.00} and then, $ XXXXHowever, I never sent anybody anything nor did anyone request any money from me at that time of the morning.Whats crazy is, the day my money came up missing is the same day this person joined cashapp.Two days later, this profile was changed to something else.I just want my {$800.00} back because, I never gave permission for it to be taken.
Product: Mortgage

On XX/XX/2020 I paid off my mortgage in full. Upon payoff, I was supposed to be reimbursed the proceeds from my escrow account. Despite repeated messages and calls, as of XXXX XXXX, 2020, I still have not received the proceeds from my escrow account.
Product: Credit card

XX/XX/year> : XXXX XXXX XXXX XXXX XXXX purchased custom XXXX XXXX directly from XXXX. Order was supposed to be delivered on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  ] by XXXX. Never received item. XXXX XXXX XXXX XXXX  [ last couple of months ] XXXX said he gave package to person on the street claimed to be myself. Had talk with driver and said all packages should be delivered to address and not someone on the street. Apple representative on speakerphone heard the whole conversation on XX/XX/year> approximately at XXXX XXXX XXXX XXXX XXXX comes back to my residence after filing a claim with XXXX and calling my local dispatch to file complaint. 

Apple reluctantly said a replacement order would be sent after I suggested another carrier or to ship to store, as I don't trust XXXX and my current now regular XXXX driver. Apple said it can not make an exception and send by different carrier or by store per regulations that the order was to ship to residence. I told representative that I fundamentally disagreed with the answer and asked would a refund be best to start the process over again and choose to ship to store. That request was denied and a replacement order was order to ship to my residence with same carrier. 

On XX/XX/year> [ XXXX ] claims to have delivered package on the street claiming to be my domestic partner. Regular XXXX XXXX XXXX comes to my residence afterwards explaining what he did, despite us having a conversation on the XXXX XXXX XXXX XXXXXX/XX/year> to only give packages to me in person, as I will be there because I work from home. 

I wrote letter to XXXX XXXX XXXX XXXX  Apple , XXXX and was given to XXXX XXXX a member of Apple Escalation Team. After several phone calls of telling me to 'trust the process ' I received an email on XX/XX/year>, that Apple will not replace or refund the purchase. Received call from XXXX XXXX that message is just a formality and Apple will make good on promise and purchase. A day later XXXX XXXX claims that message is indeed true and there is nothing he could do for me. On Saturday, XX/XX/year> I filed a claim with Apple Card to dispute purchase. I am currently waiting for the results.