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, Transunion, and XXXX to reinvestigate these accounts : 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. 
I have sent in multiple permissible purpose letters and Metro 2 compliant letters asking to delete this account due to the numerous inaccuracies, however these Bureau 's keep stating that the account has been verified and reporting accurately which is false. This is grounds for removal and deletion.

They also violated my rights under 15 U.S.C 1681 section 602 A ; which states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 ; states that a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of XXXX XXXX. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. 
Please remove the fraudulent accounts from my credit repprt as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are in violation of 15 U.S. Code 1666b. As per the law, the following is in the statute.

( 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.

All 3 are listing the following accounts as late or charged off, which are false and a violation of 15 US Code 1666b and 15 USC 1681 b ( 2 ) After repeated attempts to get this fixed, these 3 are taking now over 5-6 months to complete an investigation that should be completed within 30 days as per the law
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital Accounts is in violation of my HIPPA rights
Product: Prepaid card

On pr around XX/XX/XXXX I was scheduled to get a payment from XXXX in the amount of XXXX. The money was loaded onto my XXXX XXXX but they locked my card and I couldn't get it off. I had no idea why and they said they couldn't disclose the reason. I tried to send them proof of my identity but the website they told me to do this at XXXX wasn't working and was down for construction. My rent was due and I had no other money. At the time I was living in an XXXX XXXX XXXX. I was evicted the next day and literally on the streets. This was XXXX years ago and I have yet to get the money. I have made contact with them hundreds of times until XXXX of the supervisers closed my account because she didn't like the way I was talking to her. My card is now expired but when I call U.S. Banks automative card service balance check its still says I have the XXXX XXXX balance. I called them 3 times in XX/XX/XXXX and one time XX/XX/XXXX and still i have not been able to find out anything. On XX/XX/XXXX i sent my XXXX I.D . and other forms of identification to them and they told me its not going to do any good because my accounts closed. They told me they would send the money back to XXXX but XXXX XXXX having any control over the money once they release it to the U.S. Bank I have sent complaints to various agencies to no avail back in XXXX.
Product: Credit card

Someone use my credit card on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX  I tried to claim many times. Bank of America denied me because they said I used it with the chip and sign. So I researched and called to outlet and the store. It was closed since XXXX. My question HOW CAN I GO INSIDE AND USE IT? It doesnt make sense. I tried to explain to them. When I called them, they need me to provide phone number of the store and they would call but they never call. The third time I called I asked the guy if you want me to send the prove that I talked to the outlet and he said no. He said supervisor would call me in 4-5 business day, but no one call. I called again. I talked with supervisor, she is rude very rude and dont know how to solve the problem. She wants me to send the prove to them and they denied my claim again. Now I give you the prove. It is so disappointed. How can I use if the store is closed since XXXX. They still denied me.
Product: Debt collection

My mother received a call asking for me. As she lives with me, she gave me the phone. The person I spoke to advised they were calling about a loan that had been turned over to them. As I had no knowledge of this, I asked them to send me information they in fact own the debt in question and I will handle it then. The agent said they had sent me XXXX letters, to which I responded I had n't received anything from them. The person then said they were going to mark my account as 'refused to pay '. I advised them I never said I had refused to pay ; I just wanted verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX Banks and XXXX & XXXX XX/XX/21 TransUnion XXXX XXXX, personal XX/XX/21 TransUnion XXXX XXXX XXXX other than personal XX/XX/21 TransUnion XXXX BANK Banks and XXXX & XXXX XX/XX/21 TransUnion XXXX BANK Banks and XXXX & XXXX XX/XX/21. TransUnion XXXX Banks and XXXX & XXXX XX/XX/21 TransUnion Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report 15 U.S.C 1681G LAW VIOLATION
Product: Money transfer, virtual currency, or money service

paypal closed my account without a prior notice and for no reason and with no help from them from getting it back. i am not sure if this is some mistake as ia ssume it has to be .I have not been able to get help from them since then but i just remembered i could file a report on here as i could feel they are not doing theyre job properly and it is effecting me a great deal as i using paypal frequently .. My email linked in my paypal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX posted a collection against my personal credit reports in XXXX of XXXX. This collection was because of an identity theft. Please find attached a copy of my fraud alert posted with the Federal Trade Commission. This collections needs to be deleted from my credit reports immediately and permanently. I submit this complaint to the credit bureaus that have posted against me as well. I demand that the credit bureaus complete their reinvestigation to delete this collection permanently. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below do not belong to me. Pursuant The FCRA credit agencies must verify accounts reported on a consumer credit report. I did not give any company nor agency consent to benefit from or utilize my authorized credit. 

Account Name Account Number XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX Original creditor XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and hundreds of thousands of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution. 

Furthermore, there have been reports of insider trading ( XXXX XXXX XXXX ) by Equifax executives . I would like them prosecuted to the fullest extent that the law provides and their ill-gotten gains to be seized and redistributed for the benefit of national consumer protection.
Product: Credit reporting or other personal consumer reports

I am making this claim because, my credit report shows a credit card that is not mine and it does not even have my name or any information about me.But it is there affecting my credit score, I made a claim to XXXX, and results were that the card is mine.Then I called the bank who own the account and they say they cant find anything about me or the account.I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  XXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX XXXX Balance : {$230.00} {$230.00} {$230.00}
Product: Debt collection

I've already notified the appropriate creditors about these phony accounts, and I've sent along all the supporting paperwork needed to confirm the accounts ' late payments. Several credit reporting agencies have verified the instances of late payments and swiftly removed these accounts from my credit history. 

XXXX XXXX XXXX- This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service. 

XXXXXXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. 

I am aware that you have 30 days after receiving a customer dispute to look into disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). I implore you to act quickly to settle this matter and make the necessary updates to my credit record. 

In addition, after the required adjustments have been made, I would like a copy of the updated credit report as well as written confirmation of the removal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting different information across all three bureaus, indicating an inaccuracy. I had this vehicle for over XXXX years, and it was considered totaled almost XXXX years ago, yet it was still drivable. The gap insurance covered it, but I never received proof of the sale. They continue to report this without providing documentation for the amount.
Product: Credit card or prepaid card

I made a purchase on XX/XX/2023 to internet retailer XXXX for merchandise in the amount of {$5600.00}. I received used, damaged, and not-as-described merchandise. I tried to return the merchandise but the seller refused and made the situation very difficult. I opened a dispute with Citi bank on XX/XX/2023 for help in this matter. Citi begun an investigation and initially ruled in favor of the merchant. I reviewed the materials supplied by the merchant and discovered blatant fraud, including forged documents and a false story that the merchant accepted the return and provided shipping labels. This was the first time I have ever seen these labels, and came as a surprise, because the merchant outwardly refused to provide them before. My suspicion is the merchant attempted to provide a different narrative but the story they provided made so sense and is also fraudulent. I called Citi bank to discuss this matter and on a recorded line, they advised me to " send the merchandise back so we may resolve this dispute in your favor. '' I did this. I sent the merchandise back with the newly discovered return labels the seller furnished to Citi bank on their dispute response. Citi bank then also asked me to submit a signed letter describing what happened and where the merchandise is. I did this. I sent back the items and supplied Citi bank their requested documentation on XX/XX/2023. I received notification on XX/XX/2023 per their website that the dispute was again resolved in favor of the merchant. Completely appalled, I called Citi bank on XX/XX/2023 to discuss this matter and they claimed the website is wrong and the dispute is still pending. They then asked me to provide the exact same signed letter I already had provided. I suspect gross negligence and incompetence on behalf of the investigative team at Citi bank and insist this complaint be used to re-examine the dispute and to properly resolve this matter in my favor.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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

Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me distress.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX with a. Balance of XXXX, XXXX XXXX with a balance of XXXX, XXXX XXXX with a balance of XXXX, XXXXXXXX XXXX with a balance of XXXX, and XXXX XXXX XXXX  XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXXK # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

Dear Sirs, Coinbase disabled my account on XXXX XX/XX/2021 and we are now on the XXXX XXXX. Despite 14 messages, 4 cases and 1 complaint, Coinbase did not restore my account access. I am unable to trade, transfer or retrieve my funds. Customer support has been unsupportive, absent and I'm losing sleep over this situation. Coinbase said they would fix this within 4/5 business days. Clearly Coinbase is abusing my trust and confidence after having accepted to store my funds. This situation is causing psychological and financial harm to me and my family.
Product: Mortgage

XXXX/XXXX/2015 I am due a refund of {$1000.00} from Wells Fargo Home Mortgage for a mortgage payment made in XXXX, 2015 but held in escrow ; it was never applied to principal and interest, or property tax, or property insurance, and should be refunded to me promptly. 
IMPORTANT NOTE : CONTRARY TO ANY OTHER CLAIM BY WELLS FARGO, I AM ALWAYS AVAILABLE AND EASY TO CONTACT. I RETURN PHONE CALLS PROMPTLY, AND I REQUEST NOTES BE WRITTEN IN MY WELLS FARGO FILE SO ANY REPRESENTATIVE CAN READ THEM TO ME IF THE ORIGINAL CALLER IS NOT AVAILABLE WHEN I CALL BACK. 
I sent a mortgage payment of {$1000.00} to Wells Fargo Home Mortgage on XXXX XXXX, 2015. The check was received but held in suspension. In XX/XX/XXXX, instead of being applied to principal and interest, this {$1000.00} was applied to an " advance escrow '' account. There was no reason for putting my mortgage payment into an escrow account. In all the time I had my loan, I never used an escrow account, because I always paid my property tax and property insurance directly. EVERY TIME I sent a payment, I provided information so Wells Fargo could verify that my insurance payments and property tax payments were made in full and on time. 

On XXXX XXXX, 2015, Wells Fargo sold my house at a foreclosure auction. ( See Wells Fargo 's response to my XXXX XXXX, 2015 complaint, Case # XXXX, for verification of XXXX XXXX sale date. ) At that time, as usual, all my property tax and insurance payments were up to date. 
-- & gt ; Any debt I owed to Wells Fargo was immediately cancelled on XXXX XXXX by the foreclosure sale. 
Wells Fargo informed me by letter and phone call from WFHM executive XXXX XXXX on XXXX XXXX, 2015, that they have decided not to reverse this foreclosure sale. 
A month has passed ( today is XXXX XXXX, 2015 ), quite long enough for final accounting, yet this {$1000.00} has not yet been refunded to me. It can not simply go missing ; it must be refunded promptly.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the electronic fun transfer act ( EFTA. ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Transunion & XXXX about the old address XXXX XXXX XXXX in XXXX NJ and the old other address that I clearly ask them to remove! They fail to remove all the old address I currently not there no more they are keeping the current! The only address Im currently at and I have residential there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. When I dispute theses accusation they fail to remove all the address they told me it would take 24 to 48 hours for them to remove them! Im going to file a lawsuit again them for wrongful inaccuracies on my credit report today. Im a victim here and this needs to be investigate soon as possible, when you do show them proof they discard your evidence of proof that you sent to them. This is totally not fair to any consumer who are not being protected by the law of the consumer right. I have the right to dispute and if anything thing looks too suspicious I have the right to dispute it with evidence of proof!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Navy Federal Credit Union for violations of the following regulations : 16 CFR 313.7 ( f ) : Denying my right as a consumer to opt-out of their reporting of my Personally Identifiable Financial Information ( XXXX  ). 

16 CFR 313.3 ( o ) ( 2 ) : Improperly reporting my XXXX  to nonaffiliated third parties, which has resulted in significant financial harm. 

On XX/XX/year>, at XXXX XXXX, I contacted Navy Federal Credit Union and initially spoke with a representative named XXXX. Unfortunately, she was unable to assist me regarding my right to opt-out of the reporting of my XXXX. I was then transferred to XXXX, who identified herself as the manager of customer service. However, she also failed to provide any meaningful assistance, repeatedly referring to credit reporting agencies as " the bureaus. '' This terminology is misleading, as the only relevant bureau in this context is the Consumer Financial Protection Bureau ( CFPB ). XXXX insisted that Navy Federal has the right to report my XXXX, which is both false and misleading. 

On XX/XX/year>, I applied for a credit card through XXXX and was denied due to my PIFI being reported to nonaffiliated third parties by Navy Federal Credit Union, in violation of 16 CFR 313.3 ( m ) ( 1 ). This denial has caused me financial harm, as my credit score was negatively impacted. The credit score pulled from XXXX for XXXX ' evaluation was XXXX. However, I had paid to obtain my credit score from XXXX on XX/XX/year>, and it showed a score of XXXX at that time. 

This discrepancy in how my XXXX has been reported has directly affected my ability to secure credit, resulting in financial damage and distress. I believe that Navy Federal Credit Union has failed to uphold my rights as a consumer and has acted in violation of federal regulations.