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. has violated my Consumer rights : Account name : XXXX XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX : XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Case # XXXX - Complaint # XXXX Hello XXXX, Thanks for filing a Formal Complaint with Coinbase.

The Disputes Team is currently looking into your Complaint and we require some more time to fully investigate and respond to you. Please allow up to 20 business days to fully investigate your complaint and provide you with a Resolution Notice. 
Thanks for your patience, we will provide you with a response as soon as possible. 
Coinbase Support Thank you XXXX Coinbase sent me a email on XX/XX/2021 regarding my unauthorized transaction {$3000.00} wire transfer on XX/XX/2021. Over a month! I havent receive any response from Coinbase.com I was scammed from avatrade platform, stealing money though Coinbase account. They illegally without permission transfer my money from my Coinbase account to another platform! On XX/XX/XXXX, I did report to my Bank, law enforcement and FBI, FTC, FCPB, news station ... I have all the case number can provide if necessary. I think cionbase has a big loophole that allows crooks to use cionbase to steal money and hack into user account transfer money to another platform. I hope Coinbase to stop that and improve security system and return my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft 1. XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine 3 Identity Theft VNB- XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine.
Product: Checking or savings account

On XX/XX/year>, I authorized a {$55.00} transaction through XXXX XXXX, but an unauthorized charge of {$750.00} was processed on my account that same day. I contacted XXXX XXXX to report the fraudulent charge, and they advised me to request the refund from the user. However, the user declined my refund request. My XXXX XXXX account was closed due to multiple fraudulent activities, including this charge, as well as similar issues with XXXX XXXX, XXXX, and XXXX. 

I filed fraud claims with XXXX XXXX and XXXX, which both resolved in my favor. I submitted relevant documentation, including screenshots from XXXX XXXX and fraud claim letters from XXXX  XXXX and XXXX, to Navy Federal Credit Union. Despite this, my claim was denied, with no new information provided to support the decision.
Product: Credit reporting or other personal consumer reports

I sent an identity dispute letter for the inaccurate reporting of my personal information XX/XX/2023, XX/XX/2023, & XX/XX/2023. There are multiple aliases & addresses. Although XXXX XXXX XXXX both are reporting my personal identification information ACCURATELY which I will attach a copy of my personal identity information with them both, Experian refuses to update it correctly. It is my believe that for financial gain which Ive stated in my previous CFPB complaint # XXXX.
Product: Credit reporting

The credit limit and and credit balance is being reported incorrectly from all XXXX credit bureaus for my XXXX account.
Product: Credit reporting or other personal consumer reports

On Equifax most recent communication, they sent me a letter stating that the request to block any files on my report wont be performed. I had provided all needed documentation to proceed with action, and yet, Equifax denied to do so. I'm attaching all documents again and with this complaint the request to Block ALL ACCOUNTS LISTED ON MY FTC REPORT from my Credit Files as this account is the result of Identity Theft.

Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY. 

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Sir, I start to inquire about the 20 years refinance from Bank of America on XXXX XXXX, 2021, from loan officer XXXX XXXX XXXX # XXXX and he told me that I am preapproved based on the credit report profile 's debt ratio. Based on his mortgage proposal - XXXX, then I start to submit the loan application by paying {$120.00}. The loan number is XXXX. 
The XX/XX/2021 I got a rejection message that said I have " 11 % off from the debt ratio to be approved and ask me to think of cash of {$31000.00} to pay off my daughter 's student loan. He said my current debt ratio is XXXX and need to pay down to below XXXX. '' It is a big gap. I have XXXX XXXX XXXX in XXXX credit file. If he told me from the beginning for this big gap of approval, then I won't go ahead to apply it. 
I request Bank of Amwerica to refund my application fee and no any other charge for my application. No integrity at all! 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was XXXX until I filed complaint numbers : XXXX XXXX XXXX I checked my credit score today and it is now XXXX ( XXXX ). That is the single-digit number after XXXX. 

None of the companies in the above complaints have ever replied with any meaningful information regarding those. But, they have done something!!
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus ' have illegally hoarded, conveyed my personal information for profit for their business. These bureaus ' have portrayed to be a government entity but are mere business private corporations, like XXXX and other businesses. Without this consumers expressed or written consent pursuant the 1974 Privacy Act, all 3 bureaus ' violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways and practices. According to the Fair Debt Collections Practices Act, all bureaus ' maliciously and collectively shared this consumers personal information to make trillions of dollars by selling it ( information ) to various debt collectors, employers, financial institutions, and many others. Just to name a ew. The Federal Trade Commission is to demand on my ( the consumers ) behalf that all 3 credit bureaus ' remove all of this consumers social security number, date of birth, financial accounts, credit/debit card numbers/ address old and new/ health /medical history, and all sensitive information, collected on this consumer. all 3 bureaus ae now in question for reporting fraudulent information to disgrace the consumer, blocking the pursuit of happiness. Bill of right violation. Consumer wishes for damages of XXXX XXXX dollars ( preferably in Gold ) from each bureau for their treasonous deeds and all will be forgiven. Consumer would like to also thank the CFPB for protecting this consumers personal, family and household.
Product: Debt collection

I am writing you regarding the ADMINISTRATIVE PROCEEDING File No. XXXXConsent order as I am a Restitution Eligible Consumer. I am asking for a full refund of {$2700.00} and that all references to this account be deleted from all of my credit reports. I would be very grateful if this could be resolved. Please see that Portfolio Recovery Services is in compliance with the order. 

I made payments directly to Portfolio Recovery Associates on a time-barred debt collection account that was too old for litigation. I received several letters that contained time-limited settlement offers that failed to disclose that the debt Portfolio was collecting was too old for litigation. The letters contained statements creating a sense urgency. Some of the statements were " These savings wo n't last long '' and " CALL NOW to take advantage of these limited time offers, '' and " Your first payment must be received NO LATER than the date in the attached letter '' and " Your account will be considered 'Settled in Full ' after your final payment is posted. " From XX/XX/XXXX through XX/XX/XXXX, I received letters implicating the alleged debt was selected for future legal action based on reviews by attorneys. I was bullied into to making payments after receiving calls from PRA 's Litigation Department and made several payments. The Debt had not yet been placed with an attorney ; and I was not informed during the call that the Debt had not been reviewed by an attorney. I was told that if I did n't make payments Portfolio Recovery would move forward with the litigation process unless and that the only way to stop the lawsuit would be to pay right away. 

From XX/XX/XXXX through XX/XX/XXXX, I repeatedly disputed the validity of the account that Portfolio was trying to collect on. I sent validation and verification dispute letters to Portfolio and I also disputed information on my credit reports, including XXXX, XXXX and XXXX and in each response Portfolio replied that information that was accurate, complete and reliable. From XX/XX/XXXX through XX/XX/XXXX, I repeatedly advised Portfolio Recovery Associates that significant inaccuracies existed on my credit reports and the collection documents Portfolio sent me and the phone calls I received. In each instance, Portfolio responded to Credit reporting agencies that information reported was " verified ''. 

From XX/XX/XXXX through XX/XX/XXXX, Portfolio Recovery Associates repeatedly called my cell phone. When I answered the calls and tried to communicate and resolve and dispute the alleged debt, Portfolio Recovery Associates told me that calls placed to my cell phone could only be prevented before XXXX and that I should authorize Portfolio to call in the future. 

Since XX/XX/XXXX I have filed several complaints with the FTC, I have not received any responses. I am so happy that your agency stepped in and took action. 

Finally, and most importantly I am asking that full refund of {$2700.00} be issued and that Portfolio follow the terms of the order.
Product: Mortgage

Starting XXXX 2014, I signed up for repayment plan with Wells Fargo. For the next 8 months, even though I was making payments plus additional amount for my payment in XXXX 2014, they reported my account as 30 days to 60 days late to the credit bureau. They never told me this ; this is not right. Can you please ensure they correct this? Thanks
Product: Debt collection

USCB CALLED THREATENING TO TAKE LEGAL ACTION AND LIEN PROPERTY IF THESE COLLECTIONS ARE NOT PAID ... .THESE ARE NOT MY ACCOUNTS DEBT DOES NOT EXIST AND THIS IS NOT A WAY TO COMMUNICATE WITH CONSUMERS
Product: Vehicle loan or lease

in XX/XX/XXXX I purchased a XXXX XXXX of the year at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and it was financed by GM FINANCIAL, on XX/XX/XXXX the car was total lost as a result of a car accident, my insurance company ( XXXX ), the guarantee of the car and the company of the GAP paid the total amount of the car all this hard process star in XXXX of the XXXX until XXXX of the XXXX, in XX/XX/XXXX of the XXXX I received the bill of GM FINANCIAL where it shows me that my account is in XXXX  and is closed. Since the end of XX/XX/XXXX I am calling the company GM FINANCIAL because I review my credit report and it appears that I am owed the amount of {$4100.00} since XX/XX/XXXX to this company, I have called GM FINANCIAL two or three times a month since the end of XXXX asked the company to fix this problem, and every time I call they tell me that I have to wait, that the system does not work, that the program they have to close the accounts is not working etc ... I do not know what to do and my credit report score still low. I would appreciate the help you can give me to this matter. 

thank you.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to Ally Financial. When I turned the vehicle in, the balance was and had always been paid in full, except when Ally refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to Ally but they are still reporting a negative account on my 3 Credit Bureau Accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Intent to Prince Parker & Associates, I received a letter in the mail in regards to a debt. However, during the process of you obtaining or purchasing this account from At & t the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY. During this process, I was an uninformed consumer and FDCPA and FCRA laws were violated. I never gave you consent to obtain nor purchase my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a bed from XXXX XXXX one year ago and gave all my information to sales person. Later I found out she had put XXXX XXXX as city and not XXXX XXXX XXXX, which caused this whole issue. I was never notified that XXXX XXXX financed the purchase from XXXX XXXX since the address information was transferred was incorrect. I have attached the letter I sent to XXXX XXXX, and when I called to asked for status on this, they informed me that is was now with another lender. 
I have also disputed with XXXX, but they have advised to contact Consumer Finance and not sure where to go next, but this has ruined my perfect credit.
Product: Credit card or prepaid card

This complaint is about Citi Group credit cards. Their customer service number is XXXX. I use their website to monitor and pay my charge amounts IN FULL ; almost immediately after charging and before the due date. I check their website to verify the total owed prior to paying it. In XXXX, I paid the full and complete amount which they had posted on their website for my account. However, the NEXT month they billed me {$2.00} finance charge. I dispute that I owe this finance charge. I tried to contact them via their website and got nowhere. I tried to call and waited in excess of 30 minutes on hold before I hung up in frustration. They do not communicate except to send a message via their website that the fee is correct.
Product: Debt collection

My name is XXXX XXXX. I had XXXX for almost 20 years. When I got married my wife asked me to get red of my old number to eleminate any issues with past relationships. I did and it the same time she added me to her accound. At that point I had to pay the pro-rata amount of the monthly remaining balance. I had a call from XXXX and aggreed to pay the {$35.00} that was accrued. Because my line was changed and address was changed I did not have any contact with them for anout 3 months. Next thing I knew they send me to collection with {$330.00}. I disputed it but I couldn't get it out of my record.
Product: Credit reporting or other personal consumer reports

There is a lot of in accurate information on my Equifax Credit report that I need to have removed as well as a job that I worked at over 32 years ago. The Job I need removed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also was involved in a data breach and would like to have the XXXX XXXX XXXX XXXX XXXX removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is inaccurate. I have not received any 1099-C Cancellation of Debt letters regarding these following accounts : - XXXX XXXX  XXXX XXXXXXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX Given the absence of these 1099-C Cancellation of Debt letters, I firmly believe that the reporting of these charge-offs is inaccurate. According to the FCRA, I have the right to dispute incomplete or inaccurate information. I request that these charge-off accounts be removed from my credit report as they do not reflect a complete and accurate credit history. 

I appreciate your attention to this matter and expect a prompt response. Please investigate these discrepancies and update my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue with unrecognized addresses appearing. I also have a few name variations on my file that are not correct. my full and correct name is XXXX XXXX XXXX XXXX please remove any other variations of my name. The following addresses are not mine please delete : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX There is a error account from FCRA 609, 611, 623, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX. 
Chapter XXXX bankruptcy discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Services Inc did not have my express consent or written approval to access my credit. I would like this inquiry stricken from my credit report.
Product: Debt collection

I am writing to address a serious matter regarding the Monterey collection information associated with my credit report. I have recently been experiencing persistent harassment from your company over the phone, insisting on a debt that I am not obligated to repay.

Firstly, I want to emphasize that I have no prior knowledge of any involvement with the Monterey Collection. I never took out a loan, nor did I enter into any agreement to make payment towards a loan account. In light of this, I want to stress that I am not a debtor, but rather an innocent victim of your company 's erroneous practices.

You must take immediate action to rectify this situation. I kindly request that you promptly remove any references to the Monterey collection from my credit report across all three major credit bureaus. This is crucial in safeguarding my financial reputation and ensuring that my creditworthiness remains intact.