23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 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 supposed to modify accounts that aren't reporting correctly.

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
Product: Payday loan, title loan, or personal loan

I have tried numerous times to dispute this account it is showing on my credit reports as a derogratory account with a zero balanced out and a high balance still being reported.
Product: Debt collection

Debt was included in a BKXXXX and should be removed from my credit report.
Product: Student loan

I applied for a bar study loan with Sallie Mae, the representative ran my credit report and stated that I qualified based on the information in my credit file however because I did n't have a job offer yet, he could not approve me. I have a non-traditional name and I believe that the representative knew that I was not XXXX based on my name and used that to discriminate against me. I know several people who have been approved for the same loan who did not have a job lined up at the time of their approval. I attended XXXX University in XXXX XXXX, Iowa.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

I demand that the following accounts be removed immediately XXXX XXXX XXXX XXXX Charge-Off account. XXXX XXXX XXXX XXXX Charge-Off account.

I am also requesting monetary compensation for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit information is being illegally shared by banking institutions and third party institutions, companies to credit reporting agencies and the credit reporting agencies are causing defamation of my character. The accounts being shared are XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX. I the Consumer have rights according to the The Fair Act Reporting Act consumer laws. This law governs everything that anything that gets reported to my consumer credit report, I the consumer determines what is to be reported and what is not to be reported to my consumer credit report. I did NOT give any banking or third party institutions, companies consent or permissions to share my personal consumer information. 15 USC 1601 states banks and institutions are supposed to protect my consumer information and not share unless I give consent. 15 USC 6801, 1602, 1603 law clearly states ( A ) Before you report my consumer person information, you have to inform me. ( B ) Before you report my consumer person information, you have to inform me and I have to respond with a yes or no response. ( C ) If I answer NO, you are required to inform me on what I need to do to insure that you dont report my personal consumer information obtained by banking or 3rd party institutions. Disclosing OR sharing nonpublic personal consumer information to banking, institutions, affiliates and nonaffiliated third parties is completely illegal according to the Fair Credit Reporting Act Consumer Law. In accordance with the Fair Credit Reporting act, my rights have been violated and I demand the immediate removal of any negative items, late payments that was shared to personal consumer credit report without my permission. Continued unsubstantiated reporting of my personal consumer information to third parties may provide a basis for formal complaints being filed pursuant to federal institute. Within 30 days of this notice, either remove the negative trade line notations from my consumer credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. I have contacted my local Congressman to have your deceptive and fraudulent documents promptly forwarded to the Federal Trade Commission, Attorney General and the Postal Inspection Service For further scrutiny. Please remove all negative consumer personal data, IMMEDIATELY!
Product: Debt collection

In the date XX/XX/XXXX I received a letter from a debt collector CAPIO PARTNERS and I can read that they trying to collect a debt of {$1300.00}, in the letter I can see the account number XXXX and my name, so just XXXX XXXX my full name is ( XXXX XXXX XXXX XXXX ) they don't know my full name. And my XXXX  i don't know how they know it. I can read that the debt provided from UNIVERSITY XXXX XXXX XXXX XXXX I don't know that place or hospital. I can see that the debt beginning XX/XX/XXXX so almost XXXX  years ago and they try to XXXX a debt now. In almost XXXX years I didn't receive any call from that hospital and now a agency of debt collector tty to collect a debt. So I want to let know in this declaration that is a identity theft don't know this hospital and this agency collector call CAPIO PARTNERS. And they threaten me in this letter saying that if I do not respond before the date XX/XX/XXXX the debt will be validity
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX
Product: Checking or savings account

In or around the summer of XXXX, my bank account was closed out by Chase bank. I was told that no information could be provided to my as to why. 

My wife had several accounts. Some of which were joint accounts with her and I and some she had added me to. 

I know a few people that have higher managerial roles within the bank and when I asked them to look into it for me, they advised that they closed my accounts based on a negative history with ANOTHER bank, XXXX XXXX XXXX. 

I pulled my consumer reports, both XXXX  and XXXX XXXX XXXX  ( XXXX  ), and my records are crystal clear. I don't owe any banks any money, not XXXX XXXX XXXX nor Chase. 

I used to work for XXXX XXXX XXXX and I bounced a check back in XXXX. I was terminated and all my accounts were closed. From then on, XXXX  XXXX XXXX has me on a indefinite fraud block and says that I can't get an account with them until XXXX. 

I'm well aware that XXXX XXXX XXXX and Chase bank own XXXX which means that they can ultimately share internal data and records. Although they have the ability, it's an unethical and illegal practice. At best is discriminatory. Chase is Chase and XXXX  XXXX XXXX is XXXX XXXX XXXX. 

I'm now in the position, both credit wise and financially, to become a Chase Private Client, and I am unable to take advantage of the benefits that many of my elite counterparts. Like I said, at best, not allowing me to be an account holder with Chase, is at best discriminatory. Because I have not negative history with Chase.
Product: Debt collection

This collection agency refuses to validate the debt. I request legal validation of this debt, original creditor, last invoices, original amount owed, notices sent and addresses notices were sent to as this is my legal right.
Product: Checking or savings account

Back in XX/XX/year>, I sent money to the wrong person using Zelle on XXXX XXXX XXXXXXXX. They said they were unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint vehicle loan with XXXX XXXX. He was responsible for the payment and did not pay. They garnished his wages but I ended up paying {$7000.00} to XXXX XXXX and hired a lawyer to sue him. None of the credit bureaus have removed it. Ive disputed it and sent documents that it has been settled. Ive even received notification from XXXX that they reported the balance zero but they still have it on my report.
Product: Debt collection

This company received a letter dated XX/XX/XXXX from me requesting validation documents for account numbers XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I have had a Coinbase account for over 2 years now, I transferred bitcoins to a XXXX XXXX I had created at the beginning of the account, now I want to withdraw them but I keep being asked about a secondary e-mail that I obviously dont remember, Im trying to contact the company support for more than 3 weeks with not a single reply from them. I searched online and this is a common problem so I dont understand the delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong, inaccurate, fraudulent information being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi yes Ive had this card for about one year. They gave me a limit of XXXX. For the first time in 8 years I was out of town and forgot to make a payment. I called them right away and said I knew I was late but I was going to make the payment tomorrow. Just needed to set up my new checking account information with them. So I just use my old account to make the payment which was XXXX plus the late fee that they decided to charge anyways even though I made a phone call to them. So instead of paying the XXXX I made a XXXX payment instead and also made another XXXX payment 3 days after the first payment. to just pay it down some. Its XXXX the balance and I paid XXXX should be XXXX but some how its XXXX still. And they also made a report stating that on XXXX XXXX. That I increased my balance for XXXX not that I made XXXX in payments! And they also reduced my credit limit line from XXXX to XXXX with just one email saying that they decided that should be done. After making XXXX in payments and only having XXXX due. Unbelievable!! They said I increased the balance and never stated I made the two payments. Now reading al these reviews about them. Im horrified
Product: Debt collection

On XX/XX/2023 I sent an affidavit of truth in regards to a billing error for my American Express Account ending in XXXX. ( Attached ). According to the courier ( USPS ) the communication was confirmed delivered on XX/XX/2023. ( Attached ). A response within 7 days of receipt, was not required, if there was no authenticated records in existence. To date, no records have been delivered confirming the existence of an authenticated record of accounting, billing or debt. 
On XX/XX/2023 I received a communication from American Express ( hereafter AMEX ), dated XX/XX/2023. This communication outlined several false statements and actions the company intends to take if I did not " respond '' in time. The communication states, " Since your account ( s ) is past due and we haven't been able to reach you by phone, your account ( s ) will be cancelled if you don't act soon. '' The communication further outlines threats and actions were outlined, which included : " 1. Your account ( s ) may be cancelled. 2. You may lose any rewards you have pending with American Express, if applicable. 3. If your consumer account is reported to credit reporting agencies, your account will be reported as past due if we don't receive the total amount due for two or more consecutive billing periods. 
On XX/XX/2023 A copy of my credit reports ( XXXX report and XXXX Report attached ) show American Express already took fraudulent and unlawful negative action against my account reporting debt delinquency.
Product: Checking or savings account

In XXXX of 2022, a check I had written was stolen by a third party after it was mailed. The check was rewritten for a higher amount and the Pay To field was changed. BMO cleared this check and the money was removed from my account. I noticed this on my online account management within 24 hours and contacted them. I was told I needed to come to a branch in person to file a report. I did so on XX/XX/2022, and was told the claim had been filed and I could expect to have my money returned to my account within 1-2 months. It has now been nearly a year. Every time I contact the banker who assisted me, XXXX XXXX, I am told that the claim is still in process. Now he has stopped responding to my emails. I need my money back that was taken from my account because they cashed a check that had been altered.
Product: Debt collection

on XXXX XXXX I sent a certified letter containg a credit validation letter to the company to validate the account which they recieved on XXXX XXXX and I never recieved a response and the item still remains on my report
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

I am writing to formally dispute an account that has been reported under my name. I am a victim of identity theft, and the account in question was opened without my consent or knowledge. 
I have taken the necessary steps to address this situation, including filing a police report and a report with the Federal Trade Commission ( FTC ). I have also notified all three credit bureaus regarding this fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ) and 18 U.S. Code 1028A, I request that you investigate this matter and delete the fraudulent account from your records.

Please find attached copies of the police report and FTC report for your reference. I appreciate your prompt attention to this serious matter and look forward to your confirmation that the account has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a CFBP Complaint to all 3 Credit Reporting Agencies ( XXXX, XXXX, and XXXX  ) regarding this hellacious over a year long battle with all three agencies in trying to get fraudulent bankruptcies removed. Recently, XXXX, responded back stating they would block the bankruptcies provided, that I provide the supporting documents required for Identity Theft. I've provided a multitude of supporting documentation regarding the I.D.Theft /fraudulent bankruptcies I never filed in XXXX. This past week, I got results back from my dispute of the bankruptcies filed in XXXX from all three XXXX 's states - XXXX  ( XX/XX/XXXX ), said that the bankruptcies will remain on my credit file, and LexisNexis has certified the bankruptcies filed were confirmed as being accurate. XXXX the same day ( XX/XX/XXXX ), also completed their investigation of the dispute saying LexisNexis the furnisher of information has verified bankruptcies are accurately reporting an will remain on my credit file until XXXX. XXXX  sent me their investigation resolution via mail around ( XX/XX/XXXX ), indicating LexisNexis has confirmed and verified the two bankruptcies as accurate. The issue is not the validity of the bankruptcies being filed ( XXXX, XXXX ), however, it was my personal information used, without my knowledge or consent. Now, the furnisher of information LexisNexis, in XX/XX/XXXX confirmed to me verbally that the two bankruptcy cases ( XXXX, XXXX ) were removed from my file. LexisNexis had gone even further, by providing to me a secure passcode that I could view/print the information they show in there system. 
I printed a copy of my LexisNexis file, and the bankruptcies were removed I provided a letter from LexisNexis dated XXXX XXXX, stating the two bankruptcies have been deleted from their files due to i.d.theft. In this last dispute with all three CRA 's, I sent certified mail to each CRA 's disputing these two bankruptcies on my credit file, however, all CRA 's responded saying missing identifying information therefore they have disposed on my documents. How are ( XXXX, XXXX, and XXXX ) verifying information with LexisNexis the furnisher of information that doesn't exist according to LexisNexis. Unless each CRA can provide to me a copy of their investigation via LexisNexis, that will show a valid and confirmed investigation report with LexisNexis confirming the reporting of bankruptcy cases ( XXXX & XXXX ) as accurate. Either the CRA 's or LexisNexis is attempting to misled the consumer, and /or providing false information to the consumer, denying method of their investigations, witholding accurate reporting information, conspiracy in defauding the consumer of rights and liberty, which violates The FCRA/FTC Rights and Rules. Lastly, I am disputing these bankruptcies with all three CRA 's and LexisNexis. Also, the inaccurate reporting of the filed date in bankruptcy case XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated multiple times and the misreporting on my credit report continues!
Product: Credit reporting or other personal consumer reports

Violations of : XXXX. Late Payment : XXXX XXXX XXXX a ( XXXX ) ; XXXX XXXX XXXX XXXX. Permissible Purpose : XXXX XXXX XXXX XXXX. Responsibilities of Furnishers : XXXX XXXX XXXX ( XXXX ) XXXX XXXX. Accuracy : XXXX XXXX XXXX ( b ) & XXXX XXXX XXXX ( XXXX ) ( a ) XXXX. Verification : XXXX XXXX XXXX ( XXXX ) This erroneous reporting is causing significant harm to my creditworthiness and is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, I have never provided consent or permission for any of my personal information to be shared or reported by your company. Under the XXXX XXXX ( XXXX XXXX. XXXX ), I have not signed any form granting Harris & Harris LTD or any affiliated or non-affiliated third-party permission to share, report, or disclose my information, either electronically or in writing. Harris & Harris LTD continued reporting of this account without my explicit consent is a clear violation of federal law. Under the FCRA, I have the right to accurate and fair reporting of my credit information. 
As I have never provided consent for this debt to be reported to any credit bureau, I demand that Harris & Harris LTD cease all reporting of this account to all credit reporting agencies.