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

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 -Account Name : XXXX XXXX XXXX XXXXXXXX 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 my account without my written permission. 15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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. 5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CCB/XXXX, I am writing to address the unauthorized reporting of information to my credit report by CCBXXXX, which constitutes a clear violation under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws on identity theft and credit reporting rights. 

It has come to my attention that CCBXXXX has engaged in unauthorized reporting to my credit file without obtaining my explicit consent, an action that directly violates federal requirements under FCRA Section 1681b ( a ) ( 2 ), which mandates clear consumer consent for credit reporting activities. Furthermore, under Missouri law, unauthorized use and reporting of personal information without consent fall under Missouri 's Revised Statutes ( RSMo ) on identity theft, which aim to protect consumers from unauthorized access and misuse of their information. 

This unauthorized reporting by CCBXXXX, without my knowledge or approval, disregards these protections and potentially jeopardizes my creditworthiness. Under FCRA requirements and Missouri 's statutes governing personal data protection, this constitutes a serious violation of my consumer rights. 

I hereby demand that CCBXXXX immediately ceases any further reporting of information to my credit report without my express consent, as required by federal and Missouri laws XXXX Noncompliance within 30 days will be treated as willful disregard for my consumer rights, subject to federal and state penalties, including those applicable under Missouri identity theft and consumer protection statutes. 

This is a demand for compliance with both federal and Missouri laws safeguarding consumers from unauthorized and damaging credit practices. I anticipate your immediate action to resolve this matter and expect that CCBXXXX will adhere to all applicable laws, respecting my rights as a consumer. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Equifax did not correctly or remove negative items or debt from credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting fraudulent information on my credit file. XXXX  is reporting bank accounts from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. All of these accounts are not mine and some have a negative balance. XXXX  is also reporting names that I have never gone by and associating me with different last names of other people that have similar birthdays as mines. XXXX  is also reporting addresses that I never lived at. I believe XXXX has compromise my credit file with anothers persons that have similar information as mine. Ive made several dispute with them however they continue to keep the fraudulent accounts on my XXXX  file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX I sent proof over 5 times in the past year showing I was a victim of identity theft still the accounts remain I asked the company to send me over verification and prove that I am on these accounts and I signed documents or contracts with these companies on XX/XX/year>. They did not do a proper investigation. They did not respond to my letter. 

I am a victim of identity theft I reported these accounts listed above many times its still on my Credit file Based on, 15u.s code 1681c-2 a consumer reporting agency shall block the reporting of any Information in file of a Consumer that the Consumer identifies as information that results from an alleged Identity theft. not later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my Consumer report as they are in VIOLATION under 15 u.s code 1681b- permissible purpose of Consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other. ( 2 ) in accordance with WRITTEN INSTRUCTION of the Consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my Consumer report which violates my rights as a federal protected Consumer. NO CONSENT IS IDENTITY THEFT. As a Consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company SCA COLLECT  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the District of Maryland stated that they did not provide information to Experian and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. I'd like the account removed from my file ASAP : XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a dispute letter to XXXX requesting they verify three collection accounts, one of which this complaint is about. XXXX received my dispute letter on XX/XX/XXXX, they stamped it and returned the receipt to my address because I sent the letter certified and requested return receipt. XXXX XXXX XXXX a collection agency sent me a dunning letter regarding a XXXX account XX/XX/XXXX, This account is listed in my dispute letter. The collection agency asked me for payment in the amount of {$540.00} but stated that their client is willing to satisfy the alleged account for 50 % of the total balance. XXXX has not communicated to me that this debt has been validated and from what I understand this collection agency is not supposed to be attempting to collect this debt until it has been verified which it has NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase. Coinbase is a cryptocurrency centralized exchange for United States Customers. I have my personal finances in their platform invested in volatile assets. On XX/XX/year>, I got a new cell phone from my Insurance Provider to replace an old phone. Since this new phone has a new XXXX XXXX, Coinbase detected it to be suspicious, and now has locked my account for XXXX hours and I wont be able to use my funds until the following business week. I have done nothing illegal, I have deposited to Coinbase with legal and cleared funds. I do not believe Coinbase has the right to block my access to my finances because I got a new cell phone. This is unacceptable. I am being punished because I worked hard to upgrade to a new cell phone and now I cant use my finances.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, monthly payment is inaccurate, and the balance is inaccurate. This is grounds for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation as this dispute was sent on XX/XX/XXXX and received by the credit reporting agency on XX/XX/XXXX with no response. Tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Auto Loan Account, XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the information reported on my credit report regarding the auto loan account with the account number XXXX. I believe that this account has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Though the auto loan has been paid off, it shows 2 late payments that I was never aware of. It wasn't in my hands once the auto company took responsibility to pay off the rest of the debt owed. This account was reported on my credit report without my full consent to begin with. Which is a violation of my rights as a consumer.

I understand that under the FCRA, you are required to investigate and respond to my dispute within 30 days of receiving this letter. I also have filed a complaint with the Consumer Financial Protection Bureau. Please notify me in writing of the results of your investigation, and when the information is found to be inaccurate, please remove it from my credit report completely. 

I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. 


Thank you for your cooperation in resolving this matter. 


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

Purchasing a home on XX/XX/20 Received email and fraudulant wiring instructions from XXXX posing as my title agent. 
From : XXXX XXXX XXXX XXXX Sent : Wednesday, XX/XX/2020 XXXX XXXX  To : XXXX, XXXX Cc : XXXX XXXX Subject : XXXX XXXX XXXX XXXX, PA XXXX ***This email is from an external source. Only open links and attachments from a Trusted Sender. *** Hi, You need to have the CASH TO CLOSE funds wire to our trust account today to avoid closing delay so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledge the receipt of this email, I will be busy with limited access to my phone you can send me an email if you need anything else. 
Sent from my XXXX I called my title agent to confirm wiring instructions & process. Luckily, my real title agent had already educated us on wire fraud. No funds were sent, but I think this email address XXXX should be investigated..
Product: Credit card or prepaid card

On or about XX/XX/2022 I had some suspicious charges on my account. I called the credit card company and they closed the account and was issuing me a new card. I got an email saying my new card was on the way. Almost a month later still haven't gotten the card. Called to check the status and was told there was a plastic shortage and they couldn't say when I'd get the card. Also was reassured that any automatic payments would transfer over to the new account with no problems. Wrong, every payment I had connected to the old card was rejected. I was also issued a pretty large refund from XXXX that has never been credited to my account. I have all the tracking and reference numbers for the refund transaction and no one at the credit card company will try to trace it and see where my money is. The customer service people are rude and pretty much refuse to help.
Product: Debt collection

in XXXX of XXXX I went to the local post office where I have a XXXX XXXX , to see if my tax refund was there. it was not in my box. The postal worker saw me and handed me mail that was addressed to General mail. It was from XXXX tax board intercept dept. I opened it and it said {$440.00}. was taken for a debt collection agency, XXXX XXXX XXXX. 
I called the number to ask what was going on and mentioned the fact that I did not have info that I owed this and told them I have not lived in XXXX since XXXX. 
The agent was rude and would not provide her last name or employee id number. I asked to speak to a supervisor and she said she was the supervisor. 
I mentioned ID theft issues I have and asked about any Statute of limitations that apply to old debts. 15 years pass and I had no notices of owing XXXX XXXX XXXX and it was not in my XXXX credit report. I told her I needed my refund due to a work injury in XXXX that I was not receiving XXXX for. She did not care. I contacted the court to get more details of this alleged debt and was not given any clear info. in XXXX of XXXX I received 4 notices from the collection agency but it had a address based in XXXX MA, about this alleged debt. They gave 4 different account numbers and debt amounts and failed to mention what they took from the tax refund intercept.
Product: Student loan

I have repeatedly told American Coradis that the loan is not valid and that they should stop calling my job or my home. I have repeatedly asked on the phone for proof of debt and that I signed any documents for the loan. They have not provided such proof. I sent a letter advising them to cease phone calls and provide me with proof. They have not complied, yet they keep calling. Apparently someone I used to know had a student loan that I cosigned for and was approved for numerous forbearances, and then defaulted. I was never notified that there were forbearances and default until years later. I did not approve this. I need them to stop harassing me and provide the proof that I have asked for on so many occasions.
Product: Bank account or service

A IRA account was transferred to Bank of America. A transfer trustee Direct Rollover Request Form was filled out naming his spouse as beneficiary. XXXX XXXX XXXX sent a certified check to Bank of America reading Pay to the order of B of A Cust for husband. Bank of America issued a deposit slip dated XXXX/XXXX/14 for a deposit of {$30000.00} into an IRA account naming Bank of America as Cust for husband. Husband XXXX and wife is attempting to secure the funds. Bank of America claims they did not negotiate the check despite the fact the wife has a copy of the check and the deposit slip. Check was sent to Bank of America in the name of Bank of America cust for husband. Wife can not secure information regarding the check since she is not named on the check. Bank of America was named on the check issued a deposit slip and is asking the wife to jump thru impossible hoops to secure {$30000.00} plus interest that was deposited in Bank of America on XXXX XXXX, 2014.
Product: Debt collection

I received a bill from debt collection company in the name of Van Ru Credit Corporation I advised XXXX in fax several months ago that I had went XXXX and that I wanted to be placed in the service members relief act regarding my bill. As of today 's date I have never heard back after sending in paperwork regarding my XXXX status.
Product: Credit reporting or other personal consumer reports

On day XX/XX/XXXX, I looked at my report. I sent a letter to Equifax on day 5th asking them to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

EQUIFAX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case. Please delete these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have communicated to the Credit reporting agencies that a collection account they are reporting has been paid in full. I have attached the Release letter from XXXX. The following account is to be removed from my credit report within 14 days : XXXX, XXXX ( Original Creditor : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

FALSE INQUIRES LISTED ON CONSUMER REPORT ( NO ACCOUNTS ASSOCIATED FOR THE FRIVILOUS INQURIES ) -XXXX Miscellaneous Finance XX/XX/XXXX XXXX -BK OF AMER All Banks XX/XX/XXXX XXXX -BK OF AMER Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX