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

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

Under 15 U.S.C 1681 Section 602 states I have the right to privacy.

Under 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.

Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit 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 disputed the 2 accounts listed on my credit report which were " verified by the credit bureaus. 

Both accounts are with XXXX XXXX. 

Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. 


Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. 

Original request is attached as well as their response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to file a complaint regarding inaccurate and unlawful credit reporting by Experian, XXXX, and XXXX. These credit bureaus are incorrectly reporting five bankruptcy cases on my credit report that do not belong to me : XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX Over the years, I have disputed these cases multiple times in writing and by phone with the credit bureaus. However, they have failed to remove them, even though the U.S. Bankruptcy Court confirmed in writing that they do not report bankruptcies to credit bureaus ( letter attached ). Therefore, these accounts are being reported inaccurately and should be deleted.

By reporting adverse information without my consent, the credit bureaus are violating 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which states that " 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. '' Additionally, 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures designed to avoid violations. '' By not maintaining reasonable procedures to avoid false reporting, Experian, XXXX and XXXX are clearly violating this code. 

I kindly request the CFPB 's assistance in compelling Experian, XXXX and XXXX to permanently remove these inaccurate and unlawful accounts from my credit report. Their continued false reporting has damaged my credit. Please contact me if any additional information is needed. 

Thank you for your time and consideration. 

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

I have obtained evidence from the merchants and the transaction bank to confirming that the two payments have indeed been confirmed as fraudulent, and the merchant has not charged any money to my cr

edit card HSBC bank. However, I received the two payments from the HSBC credit card bill. I passed the evidence to HSBC and complained to HSBC. The HSBC credit card department ignored it and did not respond. Please ask HSBC to return the two fu nds : {$1900.00}, and return the interest charges already charged.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding a series of fraudulent transactions that occurred on my Chase bank account. My name is XXXX XXXX, and I am seeking your assistance in resolving this matter. 

On XX/XX/23, I reported two unauthorized transactions ending in XXXX, amounting to {$350.00} and {$320.00}, to Chase bank. Subsequently, the bank canceled my card and assured me that a new one would be issued. However, on XX/XX/23, I discovered two additional pending transactions, also ending in XXXX, with amounts of {$320.00} and {$350.00}. Additionally, two transactions ending in XXXX, totaling {$350.00} and {$320.00}, were debited from my account, accompanied by foreign exchange fees of {$10.00} and {$9.00}. Notably, these transactions occurred before I received the replacement card, indicating unauthorized card use. 

Despite filing claims for all four transactions in person at a local Chase branch on XX/XX/23, the bank rejected my claim for the two transactions ending in XXXX. I made additional efforts to address the issue by contacting Chase customer service on XX/XX/23, explaining the situation three times. Unfortunately, I was informed that the bank requires further documentation to substantiate my claim of non-involvement in these transactions. 

I believe this matter requires urgent attention and investigation to safeguard consumer rights and financial security. Please find the attached documents for your reference. Your prompt intervention and guidance in this matter would be highly appreciated. 

Thank you for your attention to this serious issue.
Product: Debt collection

This company reported an account from XXXX on XX/XX/2020 in the amount of {$1000.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.
Product: Vehicle loan or lease

On XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I sent my letter off to the credit bureaus to investigate every piece of information on the accounts I have listed below. Consumer reports means consumers report or portion there of and which information on consumer character general reputation personal characteristics or mode living is obtained through personal interviews with neighbors friends or associates of the consumer reported or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law also every piece of information on these accounts are still not reported 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the report showing inaccuracies XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  charge off XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several negative items that are adversely affecting my credit score and overall creditworthiness. Specifically, I have identified the following : Charge-Off : Creditor : XXXX XXXX Account Number : [ Account Number ] This charge-off was reported inaccurately and is causing significant harm to my credit profile. 
Late Payments : Creditor : XXXXXXXX XXXX Account Number : [ Account Number ] I believe these late payments were reported in error and do not accurately reflect my payment history. 
Hard Inquiries : Inquiry Name : XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries were made without my authorization, raising concerns about their legitimacy. 
I have reached out to TransUnion to formally request the deletion of these negative items based on inaccuracies and unverifiability, as they are not reported on my other credit reports. Despite my efforts, these negative entries remain on my credit report, affecting my ability to secure financing and causing emotional distress. 

I seek a resolution to this matter, including the deletion of the charge-off, late payments, and unauthorized hard inquiries, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter.
Product: Debt collection

In XX/XX/2021 I sent out a debt validation letter to resurgent capital services they then responded with a bill statement however I requested specific information and I informed them that this was not proper validation that the debt belonged to me. I sent another letter to resurgent capital services in XXXX requesting that they send specific information validating that the debt belongs to me. They didnt respond so I sent a second letter out. They in return sent the same exact bill/statement, they sent out to me in XX/XX/2021. I then reached out to XXXX and XXXX in XX/XX/2021, XXXX  in XX/XX/2021 and expressed my concerns that the company was not validating the debt properly XXXX did a thorough investigation and deleted the account from my credit report however XXXX and XXXX validated the debt. I dont believe I was given a fair investigation as resurgent capital services clearly did not validate the debt properly thats why XXXX deleted the account from my credit report. By law from my understanding if the debt can not be validated it must be removed from my credit report. If you can look into this matter I would greatly appreciate it thank you. I have submitted the documentation below.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I requested that XXXX accounts be verified. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX Unverified Account
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX, XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX :
Product: Credit card or prepaid card

Predatory revenue creation. The Covid-19 pandemic happened, American Express increased the annual renewal fee from {$60.00} to {$150.00}. On my Amex card, XXXX XXXX charged me a membership renewal fee for their service I have not used in over a year because there is a pandemic happening, and XXXX would not let me cancel the membership. I disputed the charge with Amex, and Amex claimed the dispute would be resolved. Amex failed to resolve the dispute, and began charging me late fees on the charge. I already told Amex I would not be paying the charge, or late fees, I want my account closed, and Amex did not comply, but Amex was sure to continue adding late fees, and harassing me for not paying the disputed transaction. 2018, I previously reported XX/XX/XXXXXXXX XXXX and XXXX fraud to the CFPB, and the issue remains unresolved, and Amex used the unresolved issue to apply a limit to my Amex credit line. I also reported XXXX, the Department of Education, et al fraud and harassment to the CFPB, and the issue remains unresolved to the point of me being economically hazed from my college program due to XX/XX/XXXXXXXX XXXX et al extorting and libeling me via fraudulent credit reports, and I receive daily harassment from the above businesses in their failure to resolve my grievances they created. I am the Consumer, my Finances need Protection, and the CFPB has consistently failed me along with those mentioned above, and many more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a complaint against the Credit Bureaus for numerous FCRA violations on my credit report. First is for XXXX XXXX Bankruptcy. For one, the information reporting is incorrect. The date file isn't consistent across the board and its showing the incorrect court name. If I am correct under FCRA everything reporting has to be 100 % accurate. I have sent over 6 rounds of letters and they have ignored my request which is a violation. Also, I reached out to the courthouse and they advised they DID NOT release my personal information out so they have lied about their method of verification. I am upset the credit Bureaus are falsely verifying and reporting this! Delete this from my credit report as once because I have the right to exercise rights as a consumer and challenge any negative item on my report,
Product: Mortgage

We had a mortgage with New York Community Bank for almost 27 years. 
It is almost paid off. Throughout the years I have been back and forth with NYCB regarding my escrow account. I wanted them to do an audit as I explained there had to be an overage each year. 

They said there was no overage and they already looked at out account. This year the mortgage was sold to XXXX ( XXXX XXXX XXXX XXXX ) I called them during the transition and explained my concern. 
They said they would audit it and they did. We received a refund check for the 2017 escrow overage amount {$1300.00}. 

I want to request NYCB to investigate my mortgage account and refund all overages due. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX are reporting supposed late payments on my behalf which I didn't give consent to do. In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC1681 Section 602 states I have the right to privacy, 15USC1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction, under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I have called the company that stated i owed them to verify a debt. The company stated i had 2 accounts with them. I ask them to send me a copy of the original purchase agreement with my wet ink signature i made with the. They still have not sent these documents for 2 accounts they say i owe and they are still reporting to my credit report. 

account XXXX XXXX account XXXX
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX XXXX ( XXXX ) an international student from XXXX XXXX holding a valid XXXX XXXX  and Driver license without SSN. I invested the digital currency ( ethereum and litecoin ) through the platform - Coinbase, a digital asset exchange company headquartered in XXXX XXXX, California. I was only asked for valid Driver license when I buy those currency. My account information is my email address : XXXXXXXXXXXX I sold ethereum ( XX/XX/2017 ) for {$2300.00} USD and those fund was back to my digital wallet, which they called USD wallet. However, I am only able to withdraw {$1000.00} money back to my bank, and they suddenly required ssn for withdraw. There is no clear statement that I required to have ssn to invest, ssn is only written as the way to increase the limit I can buy or sell in a week, which coinbase have stated I have {$10000.00} selling limit per week. Currently, I ca n't withdrawn money or sell more digital currency I have in my account. The account is required ssn to make any further movement, it is basically frozen now. There are about 1.3k USD in my litecoin account ( the currency keep changing on the market ), XXXX USD in my USD wallet and XXXX USD pending money which will transfer to this USD wallet. 

I have tried contact their customer service, but there is no way to call them and their email is no longer available. Only way to reach them is through submit a request or message their support through XXXX, which they never response. I have tried to close my entire account to withdraw all my money but it also require ssn information. 

Coinbase community has a forum, which named Coinbase community, there are many invester facing similar problem and never get a response from Coinbase. 

It is what it 's happening now, Thanks for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. These accounts were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of account below has violated by federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX This Above listed Accounts has violated my rights. 

XXXX XXXX XXXX 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 account without my written instruction.

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 record of convictions of crimes which antedates the report by more than seven years.

15.U.S.C 1681a-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 causes to believe that the information is inaccurate.
Product: Debt collection

Repeated attempt to collect a debt that is not mine. Claims to be looking for XXXX XXXX. Have asked them to remove the number but the calls come in again. The following are all the numbers that have called me from this company ( that I know of ) : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year> XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity was used to do many fraudulent activities credit bureaus are no longer investigating my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$330.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$800.00} TransUnion : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$530.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$330.00} XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$300000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$290000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS OVER XXXX XXXX XXXX AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. 
XXXX XXXX XXXX WAS PAID FULL AMOUNT OF {$XXXX} IN XXXX AND ACCOUNT SHOULD SHOW AS SUCH AND CLOSED ( PAID IN FULL ). PLEASE REMOVE THIS HARMFUL FALSE INFORMATION FROM MY CREDIT FILE. 
THIS ACCOUNT IS REPORTING FRAUDULENTLY.