23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a bankruptcy/tax lien removal letter to both Equifax and XXXX XXXX XXXX. I called on XX/XX/XXXX to get results. Upon receiving my results I was made aware that they verified my information. I did not ask for a verification, but a validation. The Bankruptcy/Tax court does not verify information with the credit bureaus. In my request for VALIDATION ; NOT VERIFICATION ; I stated '' The EQUIFAX /XXXX XXXX XXXX needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). " XXXX, the system in which they use to VERIFY ; NOT VALIDATE AS I REQUESTED ; this not in compliance with FCRA laws. Both credit bureaus verified that they did not receive nor request the required documentation that is required and requested by the consumer. This is a violation. I am requesting the bankruptcy and tax lien be removed from my public recorded immediately within 30 days as stated ; " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the EQUIFAX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. "
Product: Credit reporting, credit repair services, or other personal consumer reports

This accounts were not mine and why are they on my report? This has been disputed last XXXX of XXXX however I haven't received any response from the respective agencies. I was taken advantage and now am I being ignored by them? This isn't fair.
Product: Credit reporting or other personal consumer reports

Information on report about XXXX XXXX XXXX is INCORRECT. No debt owed.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX Account is on my Consumer Credit Report. 
This specific Account was OPened- XX/XX/year> This account was an authorized user account Credit limit {$2000.00} I am requesting this account to be removed from my Transunion Credit Report XXXX
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

called company they never responded back. 
{$71.00} Balance updated XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. DELETE OR BLOCK THE FOLLOWING ACCOUNT ( XXXX XXXX XXXX XXXX  ). You are required to do what I am requesting and block this transaction from being reported on my consumer report within 4 days from the date of receipt of this notice.
Product: Money transfer, virtual currency, or money service

The paypal company limited my account for a period of 180 days, from XX/XX/2020, until today I have waited exactly 282 days without recovering my money ( XXXX US ), this has been unfair on their part, they did not give me response in the agreed time, I need your help and understanding to recover my funds and transfer to my bank account or my debit card.
Product: Money transfer, virtual currency, or money service

I have a digital wallet ( Coinbase Wallet ) with a company called Coinbase where I store my crypto currency worth about - last time I was able to check - {$10000.00} or more +/-. 

My phone crashed XXXX, & I had to restore it from a backup that I had on my XXXX from XXXX with, what I thought, my " Key '' stored in that backup. But according to Coinbase, the backup needed to be done to XXXX. Why? I don't use XXXX. I use my XXXX  for my backups. 

Anyway, after the restore I got thus said message ... 
Failed to retrieve keys, please sign in again ( Error code : XXXX ) I was/am essentially locked out of my account/wallet. 

I contacted Coinbase on XXXX notifying them of this. 
Also, after the restore, I was able for a split moment/s to access the wallet before it denied me access again. It stands to reason that I am logged in in some form, correct? If so, shouldnt I be able to move my funds out of the wallet within that/those split moment/s? Tried. But was unsuccessful at doing so. Funds won't move. 
During this split moment/s that I managed to get into the wallet, & tried to get to this key, but the wallet would not grant me access to my recovery phrase/key?!? 
And now, Coinbase is essentially telling me that if I do not have access to this key I will never be able to access my funds ever again. This is a tad crazy. Besides this key I also have a password that I created. A second layer of security. But according to Coinbase, can't access it with that either. Have to have the key first. It is my understanding that they do not offer any assistance in recovery of " key '' /password. 

Coinbase 's answer to my inquiry - Please note, Coinbase Wallet is a user-controlled, non-custodial product the recovery phrase is what gives you, and only you, access to move funds that you have received. For your security, Coinbase Wallet will never have access to this seed, meaning that we are unable to move funds on your behalf even in the case of you losing access to your recovery phrase. 

My question is this ... why would any company create a platform such as this? A platform that makes it virtually impossible to retrieve my funds if something should go wrong? Coinbase, or any other company, should not be allowed to subject their users this " treatment. '' Human beings lose passwords/keys all the time. However, I did not lose mine. Or so I think. Shouldn't it be in the backup on my XXXX? If it can backup to XXXX XXXX, why can't it backup to my XXXX?
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XX/XX/XXXX
Product: Debt collection

UPON CHECKING MY CREDIT FILE, CAPIO PARTNERS HAVE REPORTED TO MY TRADELINES AN ACCOUNT THAT I ALLEDGELY OWE FOR XXXX. I HAVE NEVER RECEIVED ANY NOTIFICATION, ANY RIGHT TO DISPUTE OR ANY INFORMATION VALIDATING THIS DEBT. 
I NEVER WAS EVEN GIVEN THE OPPORTUNITY TO DISPUTE THIS DEBT AS REQUIRED PER LAW. CAPIO PARTNERS WAS SUPPOSED TO PROVIDE ME WITH AN OPPORTUNITY TO DISPUTE THIS DEBT AS WELL AS PROVIDE ME WITH VALIDATION OF THE DEBT AS REQUIRED PER THE FAIR DEBT COLLECTION PRACTICES ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX -XXXX  Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX
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 MISSISSIPPI DIV OF CHILD XXXX MISSISSIPPI DIV OF CHILD XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 reports 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, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My information was sold and bought XXXX because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete this XXXX  account from my credit reports, thank you CFPB.
Product: Credit card

I opened a Chase Business Credit Card in XXXX of XXXX. I used the credit card and got a message to day they were closing the account. I called and the customer service transferred me to another department. That department informed me the account was officially closed and it was possibly because they had closed accounts before. 
To give context, over a decade ago, I had a checking account with Chase they closed with giving me no reason. This account was used to accept child support from my children 's father. Then probably about 4 years ago I opened a Business account in XXXX XXXX, they called me back the next day and informed me they had to close the account because my son was a member of the XXXX for my business. I did not know at the time that you could not have a minor on the business account. They told me I would have to amend the XXXX but could not reopen the account. I was not provided a reason why I could not open another account after amending the incorporation. I ended up amending it to prevent any other issues and opened an account with XXXX XXXX. 

I am beginning to be suspicious of why this keeps happening to me as this has never happened to me at any other financial institution. As a XXXX woman existing in this world when I am not given a reason it is really hard not to look at my skin XXXX as a possible reason. 

I know that Chase is a private company but this has ramifications on my credit that they are closing my credit card account and I wish they had just chose not to open the account. 

Another issue is when looking up this issue, Chase is known for closing accounts at random. There are forums dedicated to people complaining that Chase continually commits these acts. I believe this should be investigated.
Product: Credit reporting or other personal consumer reports

There are some inaccurate information in my Experian Credit Report The account XXXX  XXXX XXXX XXXX shows a 30,60 days late before this account goes Charge off by the account provider. This is Factually Incorrect. 

The account XXXX XXXX XXXX XXXX Is a collection account that is showing a complete payment history. This is factually incorrect The Date of Status XX/XX/2021 on Account XXXX XXXX XXXX shows that this account has never been investigated. Remove this account. 

The account XXXX XXXX XXXX Is a collection account that is showing a complete payment history. This is factually incorrect
Product: Student loan

Hello, I attended University XXXX XXXX from XXXX until withdrawing from XXXX XXXX XX/XX/XXXX. Initially, I was encouraged to attend University XXXX XXXX as an option to finish my education online. The representatives of University XXXX XXXX shared charts and data detailing their success rate for Job placement, which made me more excited about the opportunity of enrolling. I went through their XXXX XXXX program, XXXX XXXX program, and Started the XXXX XXXX courses. In hopes of landing a higher paying job. While in school throughout those years. I was not offered one job, not a single offer. The only success I had was accumulating Debt, unfortunately. Clearly, the claims they made about job placement and new opportunity were all false claims. I was even showed data detailing their direct contact with XXXX  XXXX companies. I was unsuccessful in any job placements. This story ended with me {$72000.00} in debt. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Mortgage

My XXXX account was transferred to Nationstar Mortgage on XX/XX/XXXX. The first issue I had was trying to get them to report my credit. This took 5 Months. They reported the Balance incorrectly, They reported the High Credit incorrectly, They reported the Term incorrectly, They reported late payment in which I never had Incorrectly. I disputed each and every incorrect report to all XXXX credit bureaus. Which I have internet and Alert with each of these XXXX. XXXX, XXXX and XXXX .. I pay for it every month. Nationstar would only correct XXXX Item when I was disputing XXXX. Then After correcting My Balance and High Credit then the would they would report My original balance and term incorrectly. Then they would would correct My term and my original Balance correctly and then report that I have only been paying for 1 month when I havent missed or been late since XX/XX/XXXX when the loan was modifed. This bank is costing me 1000s of dollars ..on My Insurance, My loans, my car payments etc. Now today I found out they have fixed everything on my credit report and are now reporting it as a closed account.. This is credit sabotage. I called them this morning and they confirmed they have NOT closed my Account and or transfered it. I have my latest Statement for XX/XX/XXXX and it shows my account open and on time ... I even printed out my transaction statement and I have not been late and I am current. This continues sabatage of My credit By this institution should be held accountable and have to pay me for my losses. The FCRA states that incorrectly reporting my credit is a FEDERAL OFFENSE .. I expect them to pay ... Even when they get some things right they turn around and reoprt it wrong the following month
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Wells Fargo Bank. I am a checking account holder in XXXX, where XXXX has NO locations. XXXX was hacked a few months ago and notified me that my account was among those compromised in this data breach. As a result, XXXX encouraged the opening of a new checking account, which I did. They also provided me free credit checking services for a period of time. Since that time, XXXX has been witholding $ $ from my monthly interest payments, indicating that they do not have a properly filed XXXX on file. I phoned XXXX and they sent a XXXX form, which I filed and returned. They have indicated that this form was not completed to their satisfaction and they have continued the witholding. I have called repeatedly and received email communication advising me to go to a branch location to complete another XXXX. I have advised that XXXX has NO locations in my state and offered to send in a newly completed form if someone/anyone could advise where this should be sent. EVERY time I call, I am routed to another person, put on hold for upwards of an hour and advised to wait for further instruction. This is madness -- -and in my view, a violation of the XXXX  XXXX XXXX XXXX XXXX. XXXX had a breach, and they are now imposing a hardship on a customer as a result. Indeed, XXXX XXXX customer representative advised that I just drop the issue and deal with the withholdings at tax time. This can not be the law -- -Following my prior complaint, a XXXX XXXX sent me forms and closed my complaint. I have submitted the form twice now and nothing has changed. This bank is incompetent. Please help!
Product: Credit reporting

I have been disputing several inquiries that are reflecting on my Equifax Report since XXXX XXXX. Equifax have removed several inquiries and at other times their response is that I need to contact the creditor to get the problem resolved. This contradicts Equifax previous action by conducting an investigation confirming the inquiries were not authorized then removing them from my credit report. I am requesting that Equifax conduct themselves like they previously did and conduct on investigation to the following disputed items ( inquiries ) 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 FLORIDA 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 EQUIFAX MORTGAGE SERVICES XXXX/XXXX/XXXX XXXX XXXX # XXXX XXXX/XXXX/XXXX Please carefully review some inquiries from the same company that ran my credit on numerous occasions.
Product: Debt collection

I started making payments on the debt but then my account was sent to collections. They were sent a letter providing them with information as to whom the remaining balance of my bill should be sent to but then I received a couple of notifications from a collection agency who has now posted the debt on my credit report, which has caused my credit score to drop significantly.