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

The following account have been paid in full : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my consumer report to paid as agreed
Product: Credit reporting

hard inquires were pulled on my credit without my authorization i need it removed its hard for me to get credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

YOU Experian have aided this Fraud by not verifying these accounts.

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Product: Credit card or prepaid card

On my credit report it states I'm 30-90 days past due ... In a prior complaint Fortiva responded that my credit protection was activated and my account is current. on screen shot u provided from my Fortiva account shows my account is current. thar needs to reflected and reported to he credit beaurus correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. State i have the right to privacy.

15 U.S.C 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

I moved a year ago and obtained a new XXXX and XXXX mortgage. Trans Union is still reporting my old address and has n't reported my new mortgages. These items are affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 


I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 


This account " XXXX XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " Applied Bank : XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX  XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX XXXXXXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

This account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 


I sent a letter via certified mail on XX/XX/year> tracking number XXXX asking them to reinvestigate the accounts in question. 

I got the investigation back and NOTHING was modified. 

So I requested a description of the reinvestigation and they did NOT provide me which is a violation of XXXX XXXX XXXX ( XXXX ), They also violated XXXX XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

ACCOUNT EMAIL ADDRESS : XXXX On or around XX/XX/XXXX, I ( a ) opened an account with Coinbase at Coinbase.com, ( b ) purchased cryptocurrency ( {$310.00} USD of LTC / 1 LTC -- reference code XXXX ) from Coinbase, and received a cryptocurrency bonus ( XXXX BTC ) from Coinbase. Afterwards, I set my account with Coinbase to use a two-factor authentication method ( specifically, a Yubikey ) for added security. 

Unfortunately, my Yubikey broke, and I can no longer access my account. On or around XX/XX/XXXX, I began making customer service inquiries to restore access to my account. However, Coinbase refuses to let me access my account! Coinbase asked me to create a second account, and verify my identity with the second account, as part of the account restoration process. I did this ( the account I created for account restoration purposes uses the email address XXXX ). But I still can't access my account and, in fact, just received an email stating that my account restoration process has been cancelled!!! 

In summary, as of right now, Coinbase is holding my financial assets, I can not access or transfer any of them, and Coinbase will not return them to me ( if there is a dispute as to whether I demanded that Coinbase immediately turn over all of my financial assets, consider this complaint itself a demand that Coinbase immediately turn over all of my financial assets ).
Product: Debt collection

Dear CFPB Staff : I would like to remind you of a fact you are already well aware of : the collection agencies are arrogant, refuse to follow the law and they respect no authority. They feel they are above the law despite paying out millions in fines and court-costs. 

This is my story about how dirty the collection agencies are. 

On XX/XX/XXXX, I disputed, via Certified-Mail with Return Receipt, a XXXX account in the amount of {$180.00} with XXXX XXXX XXXX, XXXX, of XXXX, XXXX. I have proof, via the tracking number and the signed returned receipt, that XXXX XXXX received my communication on XX/XX/XXXX. I did not receive any response from them, and in about 3 weeks or so the derogatory was gone from my credit report. I was, of course, very elated. 

Here comes the bad part, at least to me. About a week ago I saw, with great shock, the same XXXX collection account appear on my XXXX credit report under a different collection agency name. Then about 2 days ago it appeared on my XXXX credit report too. The new collection agency is : XXXX XXXX : XXXX, based in XXXX, XXXX. Can you believe that? How dare they do this? This is a blatant and flagrant violation of the FCRA and FDCPA. Since the original collection agency could not collect on the 'fake ' debt they sold it to another collection agency. This new collection agency, XXXX XXXX, lied by stating that the last activity was XX/XX/XXXX. This is a blatant lie. 

I am kindly requesting you, the Consumer Financial Protection Bureau to help me in this matter. Tell them sternly that both the above collection agencies broke the law by their actions. Please order XXXX XXXX to delete the derogatory account from my XXXX and XXXX  credit reports immediately. Show them some teeth and some authority. Let them know who is charge here. You are the federal agency ; you wield plenty of power. You know how dirty and unethical these collection agencies are. The people running collection agencies have no heart or compassion. They are quite XXXX people you know. 

I thank you, CFPB, in advance your time and effort in this matter. 

I remain.
Product: Credit reporting or other personal consumer reports

I have inaccurate information reporting in both XXXX and Equifax, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX with A BALANCE of XXXX, on XXXX, XXXX  XXXX XXXX XXXX open XX/XX/XXXX on both XXXX and equifax with a balance of XXXX. ALso XXXX XXXX XXXX opened XX/XX/XXXX with a balance of XXXX on XXXX. ALso XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of XXXX and lastly XXXX XXXX  opened XX/XX/XXXX with a balance of XXXX and the companies have taken no action to remove these item after several letter and attempt over the past 90 days and more.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to report my information to a third-party agency effective immediately and indefinitely. Per 12 CFR 1016.7, I exercise the right to opt out at any time.

The Privacy Act of 1974 protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their record by Federal Agencies.

Please update my account by REMOVING. The account has been charged off and that is now considered a certificate of indebtedness and can not be reported to my credit report.

I am requesting compensation of {$1000.00} per violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states permissible purposes of consumer reports, you can not report transaction history. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared per 15 USC 6801.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
I am requesting immediate removal from all XXXX of my credit reports. 
Please respond within 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX XXXX to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. XXXX XXXX XXXX is furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. XXXX XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).
Product: Credit card or prepaid card

I am XXXX  and currently in the process of buying a home. I am new to citi card simplicity and was given a pin number to withdraw funds up to XXXX. on XX/XX/XXXX I tried to withdraw XXXX cash advance to pay for an inspection and when I tried I was not given my full amount and my card was locked. I called into customer service to see why I couldn't withdraw funds and they were having trouble verifying my identity ... I verified my security word which no one in the world should know but the person that created it but I had a new phone number after I applied my account so I wasn't able to verify my phone number because I kept giving my new phone number ... instead of them confirming anything else with me such as birthday address name ss they wanted to confirm my identity by asking for another credit cards card number. I did not feel comfortable giving out that information they then told me they would mail me a letter with a security word and when I get that letter to call back and they can unlock my account. today is XX/XX/XXXX I have not received a letter and called again and they again told me they would mail me a letter and to call back I said this was not happening I need them to take care of it today. they would not confirm the address they mailed it to which I said how am I suppose to know it was sent to the right address without you confirming. I then asked for a supervisor and they hung up on me.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Mortgage

I paid XXXX {$3000.00} for foreclosure help and a loan modification. They have done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX closed with a balance of XXXX $ sent to collections I settled with the collection agency of XXXX on XX/XX/2021 would like this off of my credit report. 

XXXX XXXX closed sent to collections with a balance of XXXX called XXXX on XX/XX/2021 they took it out of collections and I paid the full amount would also like it off of my credit report. 

Chime credit builder card- the account has no current balance owed would like this off of my credit due to me closing my checking/ savings along with my credit builder card.
Product: Debt collection

XXXX XXXX XXXX showed up on my credit report with the acct number of XXXX in the amount of {$1500.00}. I have no knowledge of this account please have them remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to remove the address " XXXX XXXX XXXX, XXXX XXXX, MI XXXX ''. I have never owned this address and have provided my drivers license showing my address.They state its being provided by the furnisher but I have asked for this furnisher 's contact information and Experian has refused to provide this. Ive checked with other credit reporting agencies like XXXX and XXXX and this address isnt being reported I want this address removed and if its not removed right away I will SUE Experian. This is an on going issue that I have tried to resolve over the past few months and I have documented Experian 's methods of Ignoring, and refusing to resolve this issue
Product: Money transfer, virtual currency, or money service

I transferred from my Bank of America account to my account in XXXX on XXXX XXXX {$1.00}, in order to pay a home loan and the funds never arrived, on other occasions I had done it without problems I contacted the bank 's Security Department by phone in XXXX / XXXX in view that it had taken many days and they told me that they would refund the money in 30 days, which did not happen In XX/XX/XXXX I traveled to the United States and on XXXX at the XXXX XXXX XXXX FL agency, the advisor XXXX XXXX took the claim under the number XXXX and so far they have not returned my money, I have called many times and they only tell me that it is under review, I have never received any communication about why they have not refunded my money Number Ref XXXX
Product: Debt collection

Upon the sale of my home, I received letters from XXXX XXXX XXXX   months later that stated that I owed a past. due balance from United guaranty residential insurance company. I have been trying to confirm that the debt is legitimate and that United Guaranty Residential has an outstanding amount that wasn't paid and if unpaid, that unpaid debt has been legally forwarded to XXXX XXXX XXXX and then forwarded to XXXX XXXX XXXX. Those companies have not shown proof that this debt is owed.
Product: Debt collection

i am being called by MRS BPO every day. a machine makes the call. i am not the person they are looking for. it is the person who used to have this phone number. 
there is no way to get them to stop because the machine circles around and around. i have called their main number where the operator says she can not help me and transfers me to a number where nobody answers. please make them stop. when calls for the same person were made by human beings, i was able to convince them i am not the one who owes the debt. can not get the machine calls stopped.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate consumer financial protection act. Specifically cash app failed timely and effective measures to prevent and 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 error resolution requirements under the electronic funds transfer act EFTA and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.