23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I've been a customer of Coinbase since XXXX and never had any problems. 

On XX/XX/XXXX they locked my account stating that my account was under review. They disabled my ability to trade. Noting has changed on my side that could be the reason for this and all my identity and other information has been in place with them for years. 

Crypto currencies are highly volatile and locking my account takes away my ability to manage my risk. I would never have opened an account with coinbase and traded crypto currencies if I knew they would " lock me in '' to trades like this when the value of those assets is changing 20 % per day and I can't get out. 

I could understand if they suspended deposits and withdrawals for a few days while they verified information if something had changed, but this is totally unacceptable. 

I contacted the customer service on XX/XX/XXXX and they said they have everything they need but there is no resolution. 

I contacted them again on the same day, still no resolution.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain 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.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX 
CREDITOR : XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXXI. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1635 15 U.S. Code 1692a I need these charge of accounts to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification of a new debt that was added to my credit report. I am not aware of the origin of this account. I contacted the credit bureau involved and the debt is still reporting to my credit report. The debt is from a company name XXXX XXXX and the original creditor is XXXX. I do not have a cell phone from nor have have I had a phone from XXXX. I would like this collection attempt to be removed from my credit report ; It does not belong to me.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account with Truist Bank using the promotional code XXXX which promised a {$400.00} bonus after meeting some requirements. Account was opened within the time window they provided in the terms. Requirements were met shortly after and no bonus was provided. When I contacted them they said no promotion was active in my account and that someone from their promotions team would be contacting me. They did not. I tried reaching out to them an additional 2 times with similar answers. No bonus has been provided still, despite the requirements been long met.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file. I am a victim of identity theft. I DID NOT apply for the item on my credit report. I ask that this item be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like this item deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting

With Equifax there are XXXX XXXX loans being reported incorrectly on my credit file XXXX # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX LOAN XXXX - Original Loan Amount : {$4000.00} LOAN XXXX - Original Loan Amount : {$3500.00} I was in a FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Equifax Current status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX ) XX/XX/XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance
Product: Debt collection

From XXXX XXXX XXXX As of XX/XX/year> XXXX account {$260.00} is past due. The law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Payday loan, title loan, or personal loan

I purchased a much-needed dining room set at XXXX XXXX store XX/XX/XXXX and since it was about {$610.00} total, I felt {$58.00} deducted twice a month from my bank account by XXXX was feasible. When I phoned acimia on XX/XX/XXXX a rep said that the balance was {$190.00} early payoff. I asked what the amount would be if I paid after the due date and he stated it would be the same. So, after I received my paycheck and was ready to pay off the balance of {$200.00}, I phoned on the evening of XX/XX/XXXX and the recording said I owed {$570.00}!! I phoned the next morning to speak with a rep and wanted to know why they hadn't bothered to send me some type of reminder and he claimed they don't do that! When I phoned again later that day demanding to speak with a manager, the so-called employee calling himself XXXX dared to claim it was my responsibility to remember! The next employee calling himself XXXX blatantly lied claiming they had sent a reminder to me via email and he correctly recited my email address during the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove this account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days. Ive already included this in my previous complaint # XXXX & I am including it again., US DEPT ED XXXX Balance : XXXX
Product: Debt collection

I recently received a letter from convergent outsourcing an outside debt collection agency for XXXX. I do n't owe any such debt to this collection agency nor XXXX..You will also see attached documents of this alleged been sold to XXXX different collection agencies within a XXXX day period. Convergent sent a settlement offer and the company a demand for balance in full or they would report a negative mark on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, when I checked my credit report, it showed about 6 hard inquiries, that I did not make. Someone tried to open new accounts under my XXXX. 


XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. XXXX One- XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX -- This one had ( XXXX ) hits XXXX. XXXX XXXX XXXX Please remove these inquiries from my Credit Report. I did not authorize any of these. I have put a freeze on the Credit report with all XXXX ) credit Bureaus,
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and account on my report for a bank card that is not mine with an exceeded balance.
Product: Credit reporting or other personal consumer reports

Re : Dispute Regarding XXXX - Violation of Privacy Rights and FCRA Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute against XXXX for violations of privacy rights, specifically concerning the protection of nonpublic personal information, as outlined in 15 U.S. Code 6801XXXX has failed to adhere to the privacy obligations policy set forth by Congress. Also Disputing The Procedures used to protect my information. 
I recently engaged with XXXX as a customer, and I am concerned about the mishandling of my nonpublic personal information. XXXX has not provided any opt-out disclosure, nor have they offered reasonable means to protect my private information, thereby infringing upon my privacy rights. I have observed a lack of transparency and adherence to the disclosure obligations specified in 15 U.S. Code 6802. XXXX has not provided clear and comprehensive disclosures regarding the use and sharing of my personal information, violating the explicit obligations set forth in the statute. 
Additionally, XXXX 's failure to furnish any opt-out disclosure or provide reasonable means to safeguard my private information raises significant concerns about their compliance with the privacy obligations policy and the overall protection of consumer information. 

Furthermore, I assert that XXXX 's actions are in violation of the Fair Credit Reporting Act ( FCRA ), and I request a thorough investigation into the matter. The lack of compliance with FCRA provisions raises serious concerns about how my consumer information is being handled by XXXX. 
Exhibits : ( XXXX XXXX. : XXXX, XXXX XXXX. : XXXX, XXXX XXXX. : XXXX ) Copy of relevant communications with XXXX. 
Any written agreements or disclosures provided by XXXX. 
Documentation proving the absence of opt-out disclosure or protection measures. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate actions to ensure the protection of consumer privacy rights By Deletion of the Trade Line from the Credit Files Listed XXXX XXXX, Trans Union, & XXXX ). I appreciate your attention to this serious issue. I will explore legal Actions They have the Tradeline Furnished with XXXX, Trans union and XXXX I Direct the Consumer financial protection bureau to Remove the Tradeline Third and Final Notice
Product: Vehicle loan or lease

Recently, I attempted to make a scheduled payment online, only to discover that access to my account has been unjustly denied. This has prevented me from making timely payments, thereby accruing unnecessary interest and fees, which I believe is unfair and detrimental to my financial standing. 

Upon noticing this issue, I promptly reached out via email seeking assistance, only to be advised to call your customer service. However, I find that a phone call should not be necessary for a matter that can be resolved through granting access to the online portal. My request is simple and straightforward : I need immediate restoration of access to my account so I can fulfill my payment obligations without further delay or financial penalty. 

Moreover, the accruing of additional charges due to this access issue raises concerns about the bank 's practices as outlined in its prospectus. I am deeply troubled by the possibility of this being a tactic to push towards the repossession of the vehicle. Therefore, in addition to requesting immediate restoration of my online account access, I hereby request the following information regarding my loan : 1. The CUSIP number associated with my loan. 
2. A detailed activity statement of my account including any and all transactions, interest accrued, and fees applied.

3. Copies of any 1099 forms issued in relation to my account.

4. Detailed information on how my application and any loan securities associated with my account have been utilized, including whether they have been traded or have earned interest. 

I also want to make it explicitly clear that I do not authorize Trust Bank to share my personal information ( including my name, home address, etc. ) with any third-party company that is not owned by or directly affiliated with Trust Bank , in accordance with my rights to privacy and data protection. 

I trust that Trust Bank values its customers and will address this matter with the urgency and seriousness it deserves. I look forward to a swift resolution that enables me to manage my loan responsibly.
Product: Credit reporting or other personal consumer reports

This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e ET seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( 6 ).
Product: Credit reporting or other personal consumer reports

incorrect information from XXXX XXXX account Per 15 usc 6802 and 16 cfr 313.7 ( f ) as a federally protected consumer I am opting out of all authorization I the consumer may have given to disclose non public personal information. 5 USC 552A ( d ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following current and collection accounts listed on my XXXX, XXXX XXXX and Equifax credit report are fraudulent accounts: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These are fraudulent accounts and not my accounts.
Product: Debt collection

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

I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. 
No contracts exist ... Account was settled with creditor, ( no valid claims ) I want it removed. False information is being reported. Debt can not be collected twice.It was removed and re-inserted without notification which is requires by law, violation of FCRA law. 
I challenge the accuracy, compliance and reportability of this listing.F.C.R.A. violation. re-inserted without notifing me.Remove or litigation will followsettled all accounts with original creditor. 
XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$360.00} As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Debt collection

A credit card was opened up fraudulently in my name through XXXX XXXX. Their partner bank that services the cards is XXXX XXXX. On XX/XX/ I became aware of the identity theft as XXXX XXXX XXXX had sent me a letter trying to collect a debt owed to XXXX XXXX. From there I took all the required steps to report Identity Theft but to this day I can not get ahold of XXXX XXXX to close it through them. XXXX XXXX  XXXX reviewed my claim and found the XXXX XXXX account was not opened by me. As a result they were suppposed to shut down the account and clear myself of all responsibility on XX/XX/. On XXXX I received a letter from Asset Recovery Solutions , LLC attempting to collect the same debt from XXXX XXXX for their client XXXX XXXX XXXX  XXXX. I explained to them that this was already declared fraudulent activity and I was cleared of all responsibility but they informed me that their client purchased this debt and hired them to collect it. They would not allow me to report it as Fraud and instead gave me a payment option. On XXXX I received a letter in the mail from XXXX XXXX informing me that they are also a partner bank to XXXX XXXX and that I need to file a declaration of fraudulent activity with them as well. XXXX XXXX allowed me to submit the required documentation to start my fraudulent claim.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. Being forced to work against my will. I believe my information was compromised and Im asking for certain items to be blocked and removed immediately as I get my life back on course. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX SSN : XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Please block this information from my credit report within four business days, pursuant to section 605C of 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 XXXXXXXX XXXX {$790.00} Date opened XX/XX/XXXX Please send me notification of the actions taken. I appreciate your prompt attention to this matter. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that has the authority to verify my XXXX. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I have sent numerous documents over to global lending services in regards to the loan that was never signed by me. I have sent over my police report which includes an identity theft form, from the state police as well as the original loan that I signed for, global lending services has continuously failed to properly investigate this matter, they have sent the loan that was not signed by me and this has been a back and fourth matter for months. Each time I call in, I am told that this matter has been closed and resolved when it has not. They stated I never sent a police report or the original loan that I signed which is dated, XXXX XXXX. I have never signed a loan for any other date or any different rates then what I signed for on XXXX XXXX. It has been over 30 days since Global Lending Services has properly investigated this matter.