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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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, XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX  and AMEX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXXXXXX XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fraud theft and in results there are auto and education accounts that don't belong to me and not authorize by me, also I have attached supportive documentations The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I asked for my documenation I asked for it numerous times but nobody is responding
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding the mishandling of my personal information during the XXXX data breach that occurred in XXXX. My name is XXXX XXXX, and my personal data was compromised as a result of this incident, which has caused me significant distress and concern regarding the security of my financial information. 

Despite being notified of the breach, I feel that XXXX has not done enough to protect my information or to provide adequate support to those affected. I took the necessary steps to protect myself by enrolling in credit monitoring services offered by XXXX, but I remain concerned about the potential long-term impacts on my credit and identity security. 

Furthermore, I believe that the measures offered by XXXX following the breach, including the free credit monitoring and identity theft protection, are insufficient compared to the severity of the incident. As a consumer, I expect stronger accountability and more proactive measures from credit reporting agencies to safeguard personal information and assist those affected by such breaches. 

I urge the CFPB to investigate this matter thoroughly and to hold XXXX accountable for its failure to protect consumers ' sensitive data. Additionally, I recommend that the CFPB advocate for stronger regulations to ensure that credit reporting agencies are required to take more rigorous precautions to prevent future breaches and to provide adequate support to affected individuals.
Product: Mortgage

In XX/XX/XXXX, I had a XXXX  run a report on my husband. It revealed he had created fraudulent paperwork with someone in Chase Bank. MY husband purchased a home for us in NJ in XX/XX/XXXX with the loan being only on him. The report shows some type of refinance was fraudulently created adding my name to the loan on XX/XX/XXXX. When my husband let the home go into foreclosure, the report shows the original foreclosure being processed on him in XXXX with another Lender. By XXXX, my husband and someone within Chase had moved the loan and Chase filed a foreclosure on the home including my name. With records revealing this information, there has to be some paperwork that includes my name but the signature is forged. This effected my credit for years without me realizing it.
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 XXXXXXXX, 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 an 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

I AM AN VICTIM OF IDENTITY THEFT. AS A RESULT, SEVERAL ATTEMPTS OF OPENING ACCOUNTS ON MY CREDIT FILE WERE INITIATED. PLEASE REMOVE THE FRAUDULENT INQUIRES.
Product: Debt collection

HOLLOWAY CREDIT SOLUTION Has collections placed on my consumer reports and thats several at this time Ive never done business with this company and dont know why its showing up here Ive contacted them several times and reps were very rude and I just want removed before I get my atty involved and file a fraud suit please help me
Product: Money transfer, virtual currency, or money service

Please help me get my {$6500.00} back. Coinbase lost my total {$6500.00} transfer. 

I made wire transfer {$3000.00} on XXXX and {$3500.00} on XX/XX/XXXX from XXXX XXXX Bank to XXXX XXXX XXXX. The amount was never credited to my Coinbase account so I opened a support ticket two weeks later. 

On XX/XX/XXXX, I reported to XXXX XXXX Bank and filed this case as fraud. I also contacted Coinbase to refund {$6500.00} again. 

On XX/XX/XXXX, I finally received email from Coinbase that {$6400.00} ( {$20.00} fee ) was funded on my Coinbase account, however, it says " Buys disabled. '' I requested to refund {$6500.00}. 

On XX/XX/XXXX, Coinbase closed my account without notice. 

I contacted Coinbase multiple times to request the refund of my {$6500.00}, but no response. 

On XXXX, XXXX XXXX closed the original claim and reopened to escalate with online wire transfer claim. 

Now here I am, 6 weeks later, still waiting for Coinbase to return it. 

Deposit reference : XXXX {$3500.00} Deposit reference : XXXX {$3000.00}
Product: Credit card

Contacted Citibank to dispute ( documented letters and recorded calls ) an automatic charge of a membership fee on my Citibank XXXX XXXX and that I wanted the card canceled ( card was called in lost and was cut up ) for where Im now located there is no XXXX stores within a 400 mile radius. I have recorded conversations with both entities supervisors in getting the situation resolved. In my conversation with XXXX I was left with the impression that the charge was to be waived and that they would followup. That never happened. This was as of a year and half ago. Now appears they have started an all new membership fee with compounding interest charges. I have other cards with Citibank which are paid in full each month with XXXX balances. My credit rating is at XXXX. 
Can provide recordings and documentation if requested.
Product: Debt collection

Loan details Account # XXXX Loan details Account # XXXX Loan details Account # XXXX Loan details Account # XXXX Loan details Account # XXXX To whom it may concern, ( Letters 4-5 as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XXXX XXXX 2017, that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy sent to myself and the CFPB, not some statement of charges not some disbursement date that I took out loans. ) Or verbally saying you sent it. If you do not produce these official documents. I urge the CFPB along with myself to work together to take further actions. By producing these items solves eevryone problems and headaches ... By not producing these documents will help my case in court to take legal action against Navient in my next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am federal protected under the FDRA and FDCPA. XXXX XXXX violated me and are damaging my consumer report of a balance of {$15000.00}. 15 usc 1681b, 15 usc 1666b, 15 USC 1692D ( 4 ) and harassment 15 usc 1692D ( 5 ). I have kept careful Records of this situation. This account reporting on my report without my written or oral consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with TransUnion, XXXX and XXXX and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws TransUnion, XXXX and XXXX has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise TransUnion, XXXX and XXXX to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. TransUnion, XXXX and XXXX should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for TransUnion, XXXX and XXXX to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

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

I opened an account with credit strong on XXXX XXXX 2021. 1st bill was not due till XXXX XXXX 2021. I have made a total of 5 payments since that date. That covered XXXX XXXX XXXX and XXXX payments. This company is supposed to help you build credit but they actually XXXX  a deceptive practice and apply your payments to what ever they feel. I was sent statement of account from companyand it shoes clearly that all payments were made and next bill not due till XXXX then they actuall marked me for over 30 when i paid ahead of time. Please have them remove negative marks from credit.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion are reporting inaccurate information on my credit report. All three agencies have a different date opened for XXXX XXXX account # XXXX. Also, the high balance and the credit limit are not accurate. The last date reported is also inaccurate. The date of the last active is also incorrect, as is the date of the last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit report with both Transunion and XXXX  were not authorized dated XX/XX/18. I have NO accounts with these financial companies. I did recently take out a loan with XXXX XXXX, XXXX, CA and did approve of that inquiry. I'm asking that these inquiries be removed from my reports. These have had a major negative impact on my credit report.
Product: Debt collection

I attempted to pay this medical provider last XXXX. NJ State law prohibits them from balance billing. Pressler & Pressler 's replacement firm, XXXX, XXXX XXXX   XXXX, which practices the same way at the same address and with at least one of the same people as Pressler & Pressler, filed a complaint and request for judgment.

1 ) I don't owe them this money.

2 ) They and their client know I don't owe this money, and it is in fact included in their supporting paperwork with the legal action.

3 ) Their client never cashed the first check I sent, but I have record of sending the check.

4 ) They are trying to say they can only put my case on hold if I pay them money, even when I inform them again that I do not actually owe them money.

5 ) My insurance company has confirmed I do not actually owe them money and reissued the check their client never cashed. 
6 ) They are claiming they can put the case on hold without notifying the court, which is untrue.

7 ) It costs me money in the state of NJ to file an answer.

8 ) I'm getting married on XX/XX/XXXX, and going to be out of the country. I am extremely stressed out and this is making my life unmanageable. 
9 ) This has already cost me a whole lot in lost opportunity and time.

10 ) I'm a health policy expert who actually knows the laws and my rights, and I am completely sure they are also doing this to other people.

11 ) Their paralegals are breaking the law on a daily basis, even with me.

12 ) None of their " lawyers '' will even talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported over 30 days late on an account for a vehicle I turned in ( and paid off in full ) 3 months ago. XXXX XXXX made no attempt to contact me prior to reporting this.

I attempted to contact them and their contact form fails every time.

My score has dropped 75 points with all three bureaus because of this.
Product: Credit card or prepaid card

I purchased a pair of expensive shoes from XXXX  XXXX XXXX XXXX over the summer I never received the shoes they were left outside and I live in an apartment complex where the door is outside in public I filed a dispute and just because XXXX  XXXX sent a paper from XXXX stating it was delivered they declined my dispute. It clearly states it was delivered and left outside so I am paying {$500.00} for shoes I never received
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/XXXX and Equifax got a request from me for their method of verification as it pertains to a XXXX  XXXX XXXX account that is reporting on my credit report. Equifax got this request from me on XX/XX/XXXX and to this date they have not provided me with such a document which is a violation of section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act.
Product: Student loan

I am making payments twice the amount owed every month and the amount deducted decreases my loan a few dollars. I am concerned that this loan will never be payed-off.
Product: Credit reporting

1 } EQUIFAX kept information on my personal credit report over 7 to 10 years ; also kept on placing accounts unrecognized by me as owned by myself, even a judjment not mine. XXXX cleared me on one account they kept putting back on me and they still would n't take it off. 

**See reports attached **FOR all this please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my payment history which clearly shows that I have never missed a payment. I had submitted one ( 1 ) payment and due to a system glitch with XXXX, the payment did not post until the next morning. This payment was made was well within the time frame allowed to not be considered a late payment. XXXX is showing this as a ( 30 ) day late on this account. This false reporting of a late is seriously harming my credit score and this line item needs to be updated and the late payment be deleted all together. I have contacted the bureaus to fix this error however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Details of Fraudulent Transactions : The following charges are fraudulent and must be investigated : Date : XX/XX/XXXX Amount : {$1900.00} Merchant/Description : XXXXXXXX XXXX XXXXXXXX XXXX have identified duplicate charges for the same item on my account, dated XX/XX/XXXX, and XX/XX/XXXX. This is a clear error, as the item in question was delivered to me only once. Upon requesting documentation to substantiate the second charge, I was provided with records containing a signature that does not match mine. I do not recognize or authorize this duplicate charge, and I am requesting a thorough investigation and the removal of the erroneous charge from my account. 

They charges for item that a the time Reported the issue to XXXX XXXX XXXXXXXX XXXX customer service on XX/XX/XXXX. 
Verified that my signature was fraudulently duplicated and added to the documentation provided for the entity as a constant of prof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address listed on file and employee XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX wrong address XXXX XXXX XXXX # XXXX, XXXX TX XXXX wrong address XXXX XXXX wrong employer The right employer is XXXX. XXXX
Product: Debt collection

I'm writing to submit a complaint about EOS-CCA. This company has been attempting to contact me repeatedly for quite some time. They engage in deceptive behavior in order to try to get me to answer their calls, calling from different phone numbers in many different area codes. My call records show more than 10 different phone numbers in just the last two weeks, I blocked each one, so they then call from a different number. They have at times called 3 times in a single day before I blocked the number. When I do answer,  they refuse to identify as a debt collector. The last time I answered the male caller would only say that they wanted to speak to me about a " personal matter ''. 

Refusing to identify immediately as a debt collector is a clear violation of the FDCPA, calling repeatedly is also. Using dozens of different phone numbers in various area codes is clearly deceptive and likely another violation of the FDCPA. The calls are coming in at various times, but the vast majority are between XXXX to XXXX local time for me, which is another violation ( I'm not in the 48 contiguous states these days, I'm not willing to tell them where I am, but It's somewhere between GMT +8 to +10. 
I want all communication from EOS-CCA stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Diaz and Associates, XXXX, XXXX XXXX of debt in question : XXXX  XXXX XXXX  Received a letter XX/XX/XXXX in the mail for a debt that took me by surprise. First off, the bank mentioned in the letter has not existed since XXXX. All of my previous debt have been discharged, so I found this very suspicious to get a debt letter in my name. Next, this is the only letter received asking to settle a debt in full at a fraction of what is actually owed. And lastly, they are directing to a website to pay off the debt. I found this all alarming and looks like a scam.