23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you guys on last year regarding some items on my credit that were not mine. There are still a some items that are not mine and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and local police regarding this. I am doing this on my own behalf.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I sent a XXXX deposit to my Kraken account in the amount of XXXX dollars. I contacted customer service when the deposit did not show up in my account after 15 confirmations. I was told that even though I had been a VERIFIED member for 3 years, I needed to send them a picture of me, my id, and a note. I complied, but after about 5 hours was told that Kraken was closing my accoung. For what? Who knows, I didn't care since I already was not going to use this horrible service again. 

I was then told that I needed to sell my XXXX and iniate an ACH transfer to a bank account, something that is not in the Terms of Service and definitely not something I agreed to. 

They keep cancelling all my crypto withdrawal requests and are illegally keeping my funds from me. I never agreed that Kraken could make me withdraw funds in a certain way and as such they have no right to withhold them from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to correct this issue with Equifax several times there's an account that does not belong to me reporting on my credit file. The account was opened under a different social security number and the creditor has verified this information with me I have a letter from the creditor stating that this account doesn't belong to me yet Equifax is still reporting XXXX XXXX and XXXX. I want a re-investigation because the account wasn't opened under my social security. Equifax mixed my credit file with someone elses and gave them my address but the account wasn't open under any address that belonged to me or my social but now Equifax has provided them with my address.
Product: Debt collection

I received a letter threatening a lawsuit from this company named.. 
( Peroutka , Miller , Klima & Peters , P.A . ). I have never done business with this organization and do not know who they are.
Product: Credit reporting or other personal consumer reports

I'm not familiar with this inquiry can you please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have anunverified account from XXXX XXXX  I had previously disputedthis account. I have never done business with XXXX XXXX Pursuant to the Fair DebtCollection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debtpurport I owe.I request that XXXX XXXX provide verification of the following : 1.The original Application or contract ; 2.Any and all statements allegedly related to this debt ; 3.Any and all signed receipts ; 4.Any and all canceled checks ; 5.Original date of default and collection activity begin 6.Whether you purchased the debt, and if so, the amountpaid for the debt 7.The date ( s ) the debt allegedly accrued ; 8.An itemization of thecosts, including an accounting, forany additional interest, charges, or other fees placed on this account. I want to requestthat XXXX XXXX  Cease and Desist all further communications and collection activesand provide the verification of the purported debt.
Product: Payday loan, title loan, or personal loan

I got a postcard saying that they could lend me XXXX so every thing weas done by phone they ask me when i got paid so i told them on the first and XXXXof each month I work for XXXX as a XXXX XXXX that is XXXX XXXX XXXX XXXX as a XXXX XXXX so school was out for about 2 months and i could us the XXXX but they did not say that i was going to pay them XXXX XXXX avery pay check they take it fram my back on the first and XXXX of each monththe did not say i was going pay more then XXXX for the XXXX they loan me i think they take advantish of old people like me i am XXXXyeas old and i did not understand what they were telling me by phone i dont know if you got this message but if you did please give me a call or leave me a messageat XXXX or at XXXX
Product: Student loan

I am a cosigner on my sons student loans. The interest and balance keep going up. Navient is hard to deal with, get information from as well as any negotiations. How can a balance keep going up after paying for 10 years? It is impossible to repay. They were never forthcoming, made us believe this could actually be paid off. Very predatory, basically a scam. There needs to be some recourse for all the students who got stuck during this time period of 2008 till present. 
The mortgage company 's that did this had to make good why isn't this company held responsible?
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. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : 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 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.

I want all accounts removed immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Just trying to find out why when you need to find out how where your report use to get goods and if you need to use your own SSN # that it has been damaged or destroyed my credit is so bad after XXXX let out important information that 's I would think that when you need to remove information that 's is incorrect that it should be in your favor but now we are having trouble getting any help with home or personnel credit from any creditors.
Product: Mortgage

I entered into a COVID-19 JOB LOSS forbearance program with US Bank , that began in XX/XX/XXXX. I did not make a mortgage payment in the months of XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX. Over the six ( 6 ) month period I spoke several times with US Bank, via telephone regarding the terms of the forbearance program. I was advised to call US Bank in the fifth ( 5th ) month so US Bank could determine my options. 
In late XX/XX/XXXX I had a phone conversation with US Bank. I was offered a mortgage loan modification, as follows : Modification terms Unpaid principal balance : {$110000.00} Payment : {$860.00} Interest rate : 3.125 % Term : 360 Maturity date : XX/XX/XXXX First monthly mortgage payment due : XX/XX/XXXX XXXX payment was made : {$860.00}, with {$130.00} addl principal = {$1000.00} XXXX payment was made : {$860.00} XXXX US Bank refused to accept payment. No explanation was given, other than, I would have to reapply. 
XX/XX/XXXX payment of {$860.00} accepted, confirmation # XXXX I am still unable to make direct online mortgage payments.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX And XXXX XXXX accordance with the fair credit act # 12345, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT Under 15 USC 1681b - permissible purpose of consumer report, Th LAW CLEARLY STATES : ( a ) IN GENERAL + Subject to subsection ( c ), any consumer reporting agency may furn a consumer report under the following circumstances and no othe ( 2 ) In accordance with the written instructions of the consumer t whom it relates.

Did I give you written instructions to furnish this account on my cre report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( Exclusion from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), 1 " consumer report '' does not include- + ( A ) Subject to subsection 1681s-3 of this title any- 1641 ( i ) Reports containing information solely as a transactio... 
experiences between the consumer and the person making the reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Innovis continue to report incorrect information on my consumer file. They are several name variations and addresses that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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. 

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

XXXX, XXXX, and TRANSUNION are in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XXXX XXXX Balance - {$1700.00} Account Number - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the listed accounts and inquiries be permanently removed from my XXXX  XXXX XXXX XXXX and TRANSUNION credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights
Product: Credit card

In XXXX, 2015, I received an unsolicited written offer from American Express to apply for their " Blue Cash '' credit card and, if used for over {$500.00} in the first three months, I would receive a reward bonus of {$100.00}. I have been an excellent AMEX card customer for 15+ years and have never missed making all payments in a timely manner. I used the new card for $ XXXX in the first month, but did not receive the {$100.00} bonus reward. Over the last two months, I have made XXXX inquiries and have been told they were making a 6-8 week " investigation '' of the issue. Now they said they will not honor the offer I received but would give me a {$50.00} credit because I have been a " good '' customer. I refused this offer based on the principle of them not honoring the original offer that was extended to me to open the new card account.
Product: Debt collection

on my credit report it shows that i have a open collection with MIDLAND FUNDING LLC for the amount of {$910.00} this was part of my Bankruptcy and should not be listed as open
Product: Debt collection

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold to XXXX. I have put in a dispute several times to remove negative report of past due account. My accounts are on deferment status and it should show in good standing. This is impacting my XXXX XXXX significantly. After several attempts this negative report is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 a consumer reporting agency can not Furnish a account without my written instructions
Product: Credit card or prepaid card

Bought this net spend card from XXXX XXXX for XXXX for my daughters school clothes shopping. They would not activate it unless I sent them a copy of my social security card and drivers license. XXXX days later after sending them the information its still doesnt work and a copy of my social security card was not a requirement although their staff told me I had to send it.
Product: Debt collection

I notice a new collection on my credit report that I have not received validation for. Please provide me with a contract or instrument bearing my signature that says I am responsible for a debt with your company. I do not want anything sent in the mail. I prefer everything to be submitted and uploaded via the CFPB portal
Product: Credit reporting or other personal consumer reports

I am distressed that eQUIFAX has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. 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 inquiries, therefore, needs to be re-investigated and deleted : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint against Trans Union with the CFPB in which the first one they did not address my concerns. In fact, three of the account I addressed that they claimed were verified have in fact been deleted by the furnisher since then, which only proves that Trans Unions does NOT investigate properly as they are required per FCRA. Trans Unuon has failed to provide a method of verification in which I questioned in the previous CFPB complaint, and has sent a certified letter requesting. In fact Tran Union managed to lock my file ( computer glitch they claim ) for an entire week in which NO customer service representatives could even access. Thats serves as a HUGE concern. This is a company that obtain MILLIONS of identities of consumers. MILLIONS, and I was told my file was locked and could not be accessed and needed maintenance? Thats completely unacceptable. Trans Union has continued to ignore my requests for method of verification in a timely manner, as well as deleted a report Bankruptcy that does not belong to me. The bankruptcy court confirmed to me that they do NOT furnish this information for ANY THIRD PARTY. That includes Trans Union, or any other third party they may use for verification.
Product: Debt collection

1. when emailing about the debt, Moroney Law never gave the amount due in any emails ( dates of emails  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  ) 2. the name of the creditor to whom the debt is owed was not stated in any emails -The emails sent specify that disclosure or use of any of the information contained in this e-mail transmission is STRICTLY PROHIBITED ( no copy of emails for you ) 3. they have called between the hours of  XXXX - XXXX  without knowledge of circumstances repeatedly (  XX/XX/XXXX   XXXX  ) other instances can be obtained from an old phone if neccesary 4. during communication with my father the debt collector threatened to take matters to an attourney and that it would effect my credit score which caused him to call me and harrase me about a debt he isnt allowed to know about. ( they record calls )
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

My bank account will not allow me to use XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for violating Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).

I previously disputed accounts XXXX and XXXXXXXX XXXX which were found to be inaccurate and subsequently removed from my credit report. However, these accounts have been reinserted without any notification from Experian within the required five-business-day period.

This failure to provide notice directly violates FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers be informed if previously deleted information is reinserted into their credit file. XXXX noncompliance has caused unnecessary stress and potential harm to my credit standing. 

Despite contacting Experian regarding this issue, I have not received a satisfactory resolution. I am seeking your assistance in ensuring that Experian adheres to FCRA regulations and corrects this matter immediately. 

I have attached copies of all relevant correspondence, including my initial dispute letter, confirmation of account removal, and my recent dispute regarding the unauthorized reinsertion.
Product: Vehicle loan or lease

I have reached the maturity date with Capital One Auto Loan only to realize that I will have to pay another uear to get my title. I would like to settle this matter with a o time payment but they refuse to negotiate. I cant afford to make anymore payments.
Product: Debt collection

NOTICE OF FRAUDULENT ACCESS TO MY NON PUBLIC PERSONAL INFORMATION. No express written consent was provided. My right to privacy was breached by FIRST CREDIT SERVICES. I am claiming harm by way of TRESSPASS, FRAUD, EXTORTION, RACKETEERING & IDENTITY THEFT.