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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 have not given consent to have my information published.
Product: Debt collection

I filed a smalls claims against XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX  ga XXXX. They countered with a wrongful eviction and missed there own first court date. They then filed again, the judge issued no money judgment/ its court records. Ive attempted several times to have this removed from my credit and they have not, they also listed multiple address, and incorrect spelling of my name and the dollar collectors is demanding once again was ordered by the courts over county no money judgement owed to XXXXXXXX XXXX XXXX XXXX by XXXX XXXX
Product: Checking or savings account

XX/XX/22 {$2300.00} I submitted payment for my rent using my debit card on accident in my resident portal. My rental company told me there's nothing they can do on their end and that I need to dispute it with my bank, get it refunded, and then submit payment with the correct card. 

I followed those instructions and on XX/XX/22 I received notice my claim was denied with no explanation from my bank. 

I called the bank and the " Customer support '' person just kept telling me there's nothing they can do to help me even though my bank is in the negative and I've been back and forth repeatedly with my rental agency telling me this is what I need to do. He said that it's already been closed by some power-that-be at the bank. 

Inexcusable lack of customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a payment plan due to me missing a payment because I was out of work for XXXX. I called U.S. Bank and asked to get this late charge removed from my account. Representative refused to do so.
Product: Vehicle loan or lease

Credit acceptance took my card back in XXXX Its been over 7 years on my credit it was a volunteer repo and I spoke to then back in XXXX about them removing it off my credit report and credit acceptance refuse to take it off I not made any payments at all when they repo the car they had a person by it in full but they have still tried billing me for over XXXX XXXX  and I will not pay because they car at the time was not wroth it at all btw this loan was for a XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper has decided to offer a customer service number that does not allow the option to speak with a live person. Due to my property taxes and homeowners insurance being in escrow, I legally should be able to review this information with a live person. The AI only gives me a balance due or paid and does not have the ability to handle mistakes or make corrections. This, in turn, becomes not only a customer service issue, but is a legal issue as well.
Product: Debt collection

XX/XX/XXXX - Lease company informed about Identity Theft ( Complaint Number XXXX ) - proof attached XX/XX/XXXX - Letter sent with Identity theft report sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( USPS XXXX ) - delivered XX/XX/XXXX - proof attached ) - $ XXXX violations when I never drove that vehicle, never signed lease for it XX/XX/XXXX - Letter sent with Identity theft report sent to Debt Collector - Transworld System , Inc ( USPS XXXX ) - proof attached ) With the above 2 letters I also sent the NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA document too which makes it clear that they not supposed to call / chase / harass me anymore and not supposed to add default notices to my credit report. 

They breach all the above obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTACH IS THE PROOF OF THE FRAUDULENT ACCOUNTS ON MY REPORT THAT NEED TO BE REMOVED. 


These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX  and Experian. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Money transfer, virtual currency, or money service

Kraken site hacked and funds stolen with no recourse or support. 

On XX/XX/XXXX, I received an email from Kraken ( Crypto Exchange ) that someone was requesting to change my password. I hadnt logged in in months so I contacted them to say this wasnt me and over the next 3 weeks I had to send photos and other information proving who I was to regain access. On XX/XX/XXXX I was informed by Kraken Support that my account was now unlocked but trading and funding was still locked out until I deleted any withdrawal addresses I didn't recognize. 

Upon completing all the direction, I found that the address they asked me to delete was the address that all my crypto had been sent to which I had still not been informed of at that point. When I asked about my funds before then, I was repeatedly told my account would be locked until i deleted all the addresses I didnt recognize, now I realise I was being asked to delete evidence. I took screenshots before deleting and will attach to this report. Once this was complete the Kraken support staff said they could not do anything further and there was nothing that could be done by anyone to find the money. I asked them to send me the I.P. login info and that took another month for Kraken to final provide. It turns out 4 withdrawal were completed on my Kraken account in 2 mins so it was clearly the target. 

If there is nothing that can be done fine, but Kraken were hacked not me and then were very difficult afterwards, so I want at minimum this posted for others to be warned. The staff avoid responding, I dealt with several ppl throughout the process as the cases would just get marked as solved on their end just by them sending a response to my question. I hadnt checked it in months but I dont think I had a lot of money in there but others do and should be careful of Kraken.
Product: Checking or savings account

XXXX am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft were assessed on Transactions that settled with insufficient balances, even though funds were available when the transactions were initiated.

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to report unauthorized inquiries to companies I did not recognize on my credit report and they have not removed the inquiries and it is affecting my credit. It not fair that I have to deal with unauthorized use of my credit.
Product: Credit card

According to my credit report, acquired on XXXX XXXX, on XXXX XXXX, 2016 SYNCB- an airline credit card provider has hit my credit score. Although I receive many proposals indicating pre-approved credit through mail, I had no interest in credit card application from this type of credit provider. I would like to dispute their credit check if that is their source of information to send me pre-approved proposals.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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.On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1400.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report form Equifax and i noticed some inquiries that i did not authorize. Such as XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I 'm not aware of any these inquiries that has shown on my report.It 's cause significant damage to my credit report. I 've reached out to Equifax multiple times and stated that these inquiries does n't belong to me. I asked them to delete these inquires immediately. I 've put out fraud alerts reports in XXXX and XXXX because of situations like this.Someone stole my identity multiple times and opened false accounts under my name that I had to file a police report for. These inquires should be removed immediately since it 's against federal law ( Fair Credit Reporting Act-15 USC 1681n ( a ) ( 1 ) ( B ) to report false information on my credit report.
Product: Credit card or prepaid card

I purchased tickets to a concert in early 2020 through XXXX. The band postponed their show due to covid and announced ticket buyers could get a refund at the point of purchase. XXXX refused. 

I contacted American Express about this and other concerns and discussed dispute options. 

The American Express employee told me that usually disputes have to be made within 60 to 90 days, but upon discussing COVID delays and its related postponements it was discussed that some events are being pushed off by months and even years. 

The American Express employee told me not to worry, that even after years, the company would allow me to dispute the charge of something came up. 

Well, many things came up and I went to dispute the charge on XX/XX/XXXX and I spent 5 to 6 hours dealing with phone and chat Amex employees and they admitted the prior employee told me I WOULD be able to dispute it later, but told me that was a mistake and they won't honor it now. 

I spent substantial time escalating the matter and offering compromises and proposing ways they could fix their mistake. The company refused while repeatedly lying to me and providing seemingly intentionally bad, scripted, and evasive responses.
Product: Debt collection

These company is reporting traudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. 

XXXX. **CKS Prime Investments, LLC** - **Reported Balance : ** {$800.00} - **Account Status : ** Collection I have previously contacted you about this issue, and I would like to clarify that this debt does not belong to me. To resolve this matter, I kindly request that you provide me with a copy of the purchase agreement related to this debt. Having this documentation will help clarify the situation and confirm whether there has been a mistake. 

XXXX. XXXX XXXX - **Reported Balance : ** {$0.00} - **Account Status : ** Charge-Off - **Credit Limit : ** {$300.00} - **Date Opened : ** XX/XX/XXXX - **Date Reported : ** XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX I also wish to address the charge-off status on this account. I would like to request any available documentation regarding this account, including details of any transactions or agreements that may have led to this charge-off. 

XXXX. **XXXX XXXXXXXX ( Account 1 ) ** - **Reported Balance : ** {$5000.00} - **Account Status : ** Charge-Off - **Available Credit : ** Not specified - **Account History : ** The balance has fluctuated over the past months, with the most recent reported balance being {$4200.00} as of XX/XX/XXXX. 

I am concerned about the charge-off status on this account as well. Please provide any documentation related to this account, including the original agreement and any payment history. 

XXXX. **XXXX XXXX ( Account 2 ) ** - **Reported Balance : ** {$0.00} - **Account Status : ** Pays as Agreed - **Credit Limit : ** {$17000.00} - **Date Opened : ** XX/XX/XXXX - **Date Reported : ** XX/XX/XXXX While this account shows a balance of {$0.00}, I would like to confirm that it is accurately reported as " Pays as Agreed. '' Please provide any documentation regarding this account, including the terms of the agreement and payment history. 

XXXX. XXXX XXXX XXXX ( Account 1 ) ** - **Reported Balances : ** $ XXXX $ XXXX $ XXXX {$810.00} - **Account Status : ** Collection - **Available Credit : ** Not specified This account is currently reported as in collection status. I would like to request any documentation related to this account, including the original agreement and payment history. It is important for me to verify the accuracy of this entry. 

XXXX. XXXX XXXX XXXX ( Account 2 ) ** - **Reported Balance : ** {$560.00} - **Account Status : ** Collection - **Available Credit : ** Not specified Similar to the previous XXXX  account, I request documentation regarding this account, including any agreements and payment history. Accurate reporting is essential for my credit history. 


Thank you for your attention to these matters. I look forward to your prompt response so we can resolve these
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with XXXX XXXX XXXX XXXX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Debt collection

I have asked this debt collection agency to send proper debt validation to me several times via email and by phone. XXXX XXXX, a manager at Elite Recovery Group LLC, has sent me a debt ledger via email with another mans name on it, and my own, and explained to me that if I wanted a proper validation to send a written request via email to Elite Recovery Group. I sent the written request same day ( XX/XX/year> ). After not receiving a response for XXXX days I called again. XXXX was very curt with me and instructed me to email their support team to receive proper validation. Elite recovery group stated they sent me validation several times, but Ive never received it. I believe they are lying to me and are not able to actually validate the debt. I dont believe theyve ever sent me a proper validation, or if theyve sent XXXX out it went to XXXX XXXX XXXX They also stated I did confirm the debt, which I have never done. XXXX informed me that I have disputed this debt once a month over the course of XXXX years which is highly untrue. This agency clearly has no issue with lying to me, therefore I can not trust anything they say. Then I received a voicemail from XXXX stating the ledger IS enough to validate the debt. The information she is giving me as a representative of Elite Recovery Group is highly inconsistent. The amount they claim I owe has also fluctuated. Her approach over the phone is very aggressive. Please see email correspondence and transcript of XXXX voicemail attached. This debt mostly likely belongs to XXXX XXXX, the name listed on the ledger.
Product: Credit reporting or other personal consumer reports

I was really taken aback this morning when I noticed inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, and this time, I was shocked to see discrepancies that werent there before. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts remained. I'm now asking for the documents Ive submitted to be thoroughly reviewed so I can stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX, XXXX and Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date XXXX Balance : {$3300.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. 
SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Upon closing my account, I was assured by their customer agent that I had paid my entire bill and I would be refunded {$55.00} for the annual fee they had charged to my account that day. All of my purchases had been completed 6 days prior. I asked my refund in the mail. 2 months later I found out that one of my purchases had posted late and I had an outstanding balance of {$22.00} dollars. They did not notify me of this correctly and misinformed me that this payment had posted since payments made days after it had already posted successfully. They then charged me a  XXXX  dollar fee. When I asked them to remove it I had to speak to several customer agents. They then said they would call me back with an agent from their team to resolve these disputes and never did. Total scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below is still reporting negative on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. DEPTEDXXXX  XXXX.