23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX 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 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: Debt collection

XXXX at XXXX sent the amount of {$1600.00} to a collection company. This amount was already paid at move out. This was also sent over XXXX years after I moved out.
Product: Credit reporting

Equifax has been good about real investigation and having items removed. 
The remaining items XXXX XXXX XXXX XXXX XXXX XXXX, needs to be removed not mine. XXXX, had been removed previously needs to be removed again. Trying to by a home through the VA. And would and need some assistance in this matter before the Consumer Finance Protection Bureau . Please! 
Kind Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my consumer report in the beginning of XXXX of 2022 I noticed inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore they never asked for permission to furnish this information. Further they have assumed this vital role and have infringed my right to privacy selling my information to a 3rd party debt collector and pursuant to 15 USC 1681 ( 4 ) my privacy has been invaded and damages have been done, the damages arose were to my mental health and my ability to get an apartment. Also, in pursuant to 15 USC 6802 obligations with respect to disclosures of personal information, ( b ) Opt out. A financial institution may not disclose nonpublic personal information to a non-affiliated third party. I have the right to opt out, but they are not giving me the right to. XXXX, Transunion, and XXXX private policy explain how they protect the privacy of the consumer, but they allowed 3rd party debt collectors into my consumer report. Also in Pursuant to 15 USC 1681a ( 2 ) ( b ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. Exclusions, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. In pursuant to 15 USC1602 the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By any card that includes my drivers license, Social security card. To put everything together my student loan was approved but my social security number and drivers license were used a transaction of obtaining money and by law this can not be on my consumer report.
Product: Debt collection

I nevered set up this account. Not sure who setup the account in my name ; but I was no longer living at the address because I was going through a divorce and moved out.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. StatesI have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount on the collection is not accurate. The company had not proven the amount to me. In XX/XX/XXXX my balance was XXXX. This is the accurate amount. They have charge excessive fees and interest as currently the balance shows XXXX and it has been reporting past due as if it is an active account which is not accurate and impacting my credit score more than any other collections. This is not fair credit act and is inaccurate report. Also the account was not started in XXXX. It was XXXX. They closed my account in XX/XX/XXXX and they continue to charge interest and fees until they reported to the credit berau this is against the fair credit act.
Product: Money transfer, virtual currency, or money service

I have had an account with Robinhood for almost four years. On XX/XX/year>, my account was restricted with no explanation. Robinhood requested some documents from me on XX/XX/XXXX and I submitted them right away. However they have no response since then and keep postponing the time for them to respond. I sent them an email and have received no response. I have over XXXX dollars in my account that I desperately need.
Product: Credit reporting

Experian sent me a letter, in response to my certified letter of dispute, claiming that my letter was suspicious and being disregarded, and that they were contacting law enforcement. When I called and told them it was not suspicious, they asked for my credit report number or SS # as verification. I gave them the credit report number from the credit report I had received from them, which was also included in my letter, which they deemed suspicious. I said I have the post office certified receipt, and could send a copy of that as proof. The representative on the phone told me if I sent more letters, they would also be deemed suspicious, and not acted upon, and I would simply receive more letters like the one I received today, stating that my letter was suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/23 XXXX XXXX violated my rights, by reporting false information on my report, that result in multiple ( 9 ) late payments, i wish for these late payment be removed from my report immediately!
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : Account name : XXXX XXXX XXXX Account Number : XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report and noticed that there is an error on one of my accounts. With the Covid pandemic, its been a tough time and I dont need my credit docked more than what it fair and accurate. 

As you no doubt know, it is also a violation of the FCRA that was established in XXXX to show disinformation on a credit report. Therefore, I exercise my legal right to have the 90-day late payment deleted on XXXX XXXX XXXX XXXXXXXX I ask that you respectfully confirm deletion, because this inaccuracy is unfairly penalizing my score making it lower than it should be, and I have been working diligently to get my finances and records corrected. 

Thank you and take care, ( Type first and last name ) only Client address
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO RELATION WITH THE ACCOUNT DISPUTED, THIS ACCOUNT HAS BEEN REPORTING NACCURATELY ON MY CREDIT AND SINCE THEN BEEN DAMAGING MY CREDIT HISTORY AND SCORE. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT OFF MY CREDIT FILE.
Product: Debt collection

Will. received several phone calls a day. I received a phone call after XXXX.
Product: Credit reporting or other personal consumer reports

There are several inquires that I do not recognize on my consumer report.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}
Product: Credit reporting or other personal consumer reports

Account # XXXX opened-XXXX I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within XXXX5 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting

My identity was stolen and I reported it to Equifax at the end of XXXX. The other reporting agencies were notified. I have received at least XXXX unwanted offers for credit cards since then. Why has n't this stopped??? It is more than 4 weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found so many incorrect items that does not belong to me. 

Creditor : XXXX XXXX XXXX Acct # : XXXX I am so frustrated with this company. I have repeatedly asked XXXX to help me. I do not own this debt and have asked for verification of this debt which they have been unable to answer. I dispute the validity of this bogus debt and demand that you permanently remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I'm a victim of financial crime which costs my lifetime saving of ~ {$280000.00}. I was cheated to send the money in my Coinbase account to a fraud address ( in 3 transactions below ) and failed to get it back. The police report # is XXXX from city of XXXX, IL. 

On XX/XX/2022, {$980.00} was sent out to a fraud address ; On XX/XX/2022, {$74000.00} was sent out to a fraud address ; On XX/XX/2022, {$200000.00} was sent out to a fraud address ; I called Coinbase around XXXX XX/XX/2022. Coinbase refused to compensate my loss and said " All cryptocurrency transactions that are confirmed on the blockchain are irreversible. Coinbase has no information on ownership of external cryptocurrency addresses, and because this is an external process, there is no way for Coinbase to cancel, reverse, or recover these funds on your behalf. '' 1.However, Coinbase did not warn me when I typed in fraud address to send. Coinbase 's fault attracts, helps and enables criminals to use Coinbase to commit crime. Coinbase should compensate its customer 's loss caused by its fault. 

2.Coinbase said ( https : //cryptochronicle.io/coinbase-refund-if-hacked/ ) : " Coinbase secures the majority of its digital assets with crime insurance, and will refund you if your account has been compromised. Even if your funds were lost due to negligence or personal error, they might still refund your account. '' The insurance covers " Wrong crypto address : Another common mistake people report is sending money or cryptocurrency to the wrong recipient address. '' Therefore, Coinbase should compensate my loss. 

3.Coinbase said ( https : //help.coinbase.com/en/coinbase/other-topics/legal-policies/how-is-coinbase-insured ) : '' Coinbase carries crime insurance... However, our policy does not cover any losses resulting from unauthorized access to your personal Coinbase or Coinbase Pro account ( s ) due to a breach or loss of your credentials. '' Coinbase lists the only exclusion above, which does not apply to my case. Therefore, Coinbase should compensate my loss. 

I complained to XXXX  on XX/XX/2022 ( ID # XXXX ). The communication history with Coinbase is attached. There is no response from Coinbase about following facts. Coinbase pretends not seeing them. However, those facts are still there. Fair third party saw or will see them. 

Fact 1 : Coinbase did not warn me when I typed in fraud address to send. Coinbase 's fault attracts, helps and enables criminals to use Coinbase to commit crime. I point out Coinbase fault multiple times. Coinbase keeps silent on its fault. Coinbase does not deny its fault. Therefore, Coinbase should compensate damage caused by its fault. 

Fact 2 : I point out that Coinbase has crime insurance multiple times. Coinbase keeps silent about the insurance. Coinbase does not deny that it has the insurance. Why can not Coinbase use the insurance to compensate customer 's loss? 

On XX/XX/2022, XXXX recommended me to escalate to regulatory agencies, including Consumer Financial Protection Bureau. Thank you.
Product: Credit card

While traveling in XXXX on during XXXX, a charge of {$15000.00} was made to my Amex Platinum card on XX/XX/XXXX. The charge was apparently for the purchase of XXXX gold chains ( I assume jewelry ). According to my billing statement charge was made at " XXXX XXXX XXXX XXXX '' with the transaction details stating " NEW VENDOR '' and nothing else. 

I immediately filed called and filed this as fraud. I received an email a few days later on XX/XX/XXXX saying the dispute was resolved, and that same day I was credited the full amount of {$15000.00}. 

Later, on XX/XX/XXXX, I received a new email that said the dispute, which had already been resolved, had been re-resolved, for lack of a better word, and closed. At that time the amount of {$15000.00} was again debited to my account. 

In speaking with American Express they said that the charge was determined to be valid for the sole reason that the vendor provided a printed/phyisical receipt of the purchases. From my point of view this would be the easiest thing to fake, especially given they had months to figure out how to fake said receipt. Amex has now said that unless I come up with my own printed receipt showing something other than the receipt that they have, that they can not re-open the fraud investigation / charge dispute. 

Amex also provided me with a phone number for the vendor, and apparently my only course of action is to reach out to a fraudulent vendor, get them to admit they committed fraud, have them then print and send me a receipt that directly opposes their side of the story, admitting they broke the law, and also making them forfeit the {$15000.00} that they currently have. I can not imagine a world in which such a vendor, who won a dispute, would for any reason help me prove otherwise. 

I have no possible way to resolved this on my own as I don't speak XXXX, I can not file a police report in XXXX after leaving the country, and even if I could, would in essence be trying to convince the very person that committed fraud to help me prove they did.
Product: Debt collection

Ive attempted working with National Credit Adjusters collection agency to settle a debt. They agreed to settle at a lower rate, of about {$3000.00} but have continued to send me recorded collection calls and have not updated my credit reports. My credit reports are still reflecting a balance owed, even though they agreed various times to settle and update as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with the following creditors and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

ACIMA CREDIT FKA SIMPL  XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.