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

A fair solution is to delete the false inaccurate information of Bankruptcy # XXXX Immediately!! FCRA rule # 9037!!!! 
15-USC-6802, 15-USC 1681A2B Good Day I XXXX XXXX have contacted Transunion several times !!! I am demanding immediate deletion of this inaccurate information!!! I have demanded they remove this bankruptcy information!! Its either an error or a lie!! I have also contacted Nevada Bankruptcy court which stated verbatim!! They do not provide nor verify bankruptcy information!! Therefore according to FCRA Transunion is in direct violation : 15-USC 1681 , 15-USC 1681 ( section 602 ) A, 15-USC 1681 ( section 604 ) 15-USC 1681-C, I have contacted Nevada Bankruptcy Court who confirmed this is a record of direct violation of Transunion as they do not verify!! This is NOT my bankruptcy, Transunion illegally placed this on my consumer report!! Lexis Nexis also confirmed this is NOT my bankruptcy!! I repeat I am demanding that Transunion immediately delete Bankruptcy # XXXX!! and Bankruptcy # XXXX!! You cant even legally file that close together so its an error or a lie This is not my bankruptcy!!! Nevada Bankruptcy Court also stated they did not verify this to Transunion therefore this information is an error or a lie either way this is inaccurate information and I am demanding that Transunion immediately removes this off of my consumer report!! ASAP!!!! This inaccurate information does not comply with the FCRA and the information must be deleted immediately!! If this inaccurate bankruptcy is not immediately deleted off of my consumer/credit report I will contact my attorney as Transunion is in direct violation of reporting inaccurate information!! Transunion has my police report on file as well as my identity theft report from when my wallet was stolen and my information was compromised!! 
Police Report Number : XXXX I demand Transunion Credit Bureau delete this false inaccurate information immediately!!! 
XXXX XXXX Transunion File Number : XXXX Date Of Birth : XX/XX/year> Delete this inaccurate bankruptcy immediately!! Both of these are errors!!! 
# XXXX # XXXX According to FCRA guidelines this is a direct violation of Transunion and I have the right to a fair credit report!!
Product: Checking or savings account

1. On XXXX XXXX XXXX, I mailed letter to Coinbase to have them verify my XXXX son 's Coinbase account. I included my son 's XXXX XXXX and court documentation appointing me as the Personal Representative of my son 's account. To date, I have not heard back from Coinbase 2. On XXXX XXXX XXXX I requested Coinbase provide me a Call. They provided me with a verification code XXXX, but they NEVER CALLED ME BACK AS PROMISED.

3. On XXXX XXXX XXXX I was unsuccessful in getting the Coinbase " XXXX XXXX  '' to help me.

4. On XXXX XXXX XXXX I requested Coinbase provide me a Call. They provided me with a verification code XXXX but they NEVER CALLED ME BACK AS PROMISED. 

Bottomline : I have done everything possible to communicate with Coinbase on this matter. To facilitate transferring the assets in my XXXX  son 's Coinbase account, I have a Coinbase account.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account XXXX : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

False credit inquiry. I contacted the company, but I did not feel comfortable sharing my personal information over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 ) ( 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: Checking or savings account

there was a check that was deposited into my account that I no ideal of te deposit or how its deposit was made XXXX it showed in my account. right away my account was look down and fund unable to withdraw. good that not te problem the problem is there action with out fact of being aware of this happen and was thought to help these people out that made the deposit. this its far from the truth I no way of knowing and no way to stop this from this happening. what they dont know is that I refused to cash. any check or let them XXXX my account for reason a battle I been facing with for mouth from these people. the reason they had my acct # and routing was for direct deposit of transfer, it wasn't to let them use my account freely as capital one project it to. they fine me to high risk for nothing wrong all because I had a problem with a bank before going to them. I been judged for things that I had no control over at all and they took my account they hold over XXXX $ of my money from transaction that was procession at the same time and there assuming once more that I m doing bad deal. and they will not return my calls or talk to me in anyway. I done nothing and I only tried to work with them only to be judged as the crook. I think I have law suit and every right to file this complete. just because I was stuiped once dont mean I doing things wrong. as it is now I m receiving death threats and other threat from the people thst Made that deposit claiming i have the money and now I affsired to leave my home. and I can't get help because how'd you stop a ghost. I m being harassed my money is frozen a closed account and no-one XXXX care me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX to purchase a new car. I was Preapproved by XXXX XXXX. I told my sale representative that I would only want the dealership to pull credit and only send my application only to XXXX XXXX. I stated that I do not want any other credit to inquire on my credit report. I explained this to Sale rep XXXX XXXX my concerns several times ( 4 times to be exacted ).  XXXX ensured me that he would let the finance manager know my request. I took it a step further and also write on my credit application to only work with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account I am disputing and the necessary documents that could prove that I am the one doing this dispute. Im complying with the letter of the law & what youre required to have to honor my 605B request. I have submitted and update my information accordingly.
Product: Money transfer, virtual currency, or money service

I received an email on XX/XX/XXXX that a dispute on Paypal had went in my favor after the dispute had gone on for more than 2 months and clearing up a debt that they had sent to collections because I refused to pay knowing that I was wrongfully disputed. In that email, Paypal charged a {$15.00} fee. I went to pay the fee ; however, they will not allow me to pay the fee with a bank account or credit card due to the account being limited from the dispute even though I was not in the wrong. Despite not being able to use their services, I have tried to contact customer support during business hours to at the very least get the fee paid and resolved to avoid such a small fee going to collections. Every time I try to contact their customer service team, I get the following message, " All our agents are currently offline. Please try again during business hours. '' It is currently XXXX XXXX EST and I have just received this same error message. I will attach a screenshot to verify this issue.
Product: Debt collection

I have never done business with XXXX XXXX Hospital. I don't even have a pet. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with this company.
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 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

I have sent plenty of letters to Equifax, XXXX XXXX XXXX and have yet to hear a response from them. Im filing this complaint because I have been ignored and they have violated many of my consumer protection laws. The first violation is 15 USC 1692b ( 2 ) an alleged debt being furnished on my credit report is a violation. The second violation is the FCRA 15 USC 1681 states that the consumer reports can NOT include credit transaction arising from your credit card. My social security card is my credit card. The definition of credit card under 15 USC 1681 is 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. Notice congress said ANY card, the credit card is my social security card. This credit card was used to originate every consumer credit transaction listed on my dispute letter. The third violation is the 1833 Emergency Banking Act states that a natural person can not assume ANY debts. Fourth violation is pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. I did not give permission. If I did please send a affidavit between us tow showing I granted you permission to furnish the report and have the senior executive create an affidavit to me. Have it notarized by the senior executive saying I granted permission to furnish the report.

Due to the fact that this information is on my report and is violating my consumer protection laws I demand that you remove it. I am the consumer and I have a right to privacy. Selling and sharing of my personal information without my written consent is identity theft.
Product: Checking or savings account

I called Truist Bank on Thursday XXXX to inquire on my participation in XXXX XXXX XXXX XXXX XXXX in XXXX. They said on the phone they could change my mailing address but not my physical address. I should come into a bank to give the XXXX at XXXX information. I remembered I had an email address from a dispute on my old account. Truist is located in XXXX XXXX. So I sent an email to the dispute department asking them to change my address and I sent the front and back of the card as well as the Private Entity form on XX/XX/year>. I tried to login to online banking on Friday XX/XX/year> at XXXX pm and received a message that my account was restricted and I needed to call XXXX and press option XXXX for XXXX related online banking issues. I called them on Sunday XX/XX/year> around XXXX. The representative said that my account was closed and they were sending me a check for the remaining balance. Also it was closed due to check fraud. I have never ordered checks on any of my bank account and I have not deposited checks into Truist. I believe they closed my account because XXXX a participant in the XXXX XXXX XXXXXXXX XXXX. Apparently they are not even using the XXXX XXXX XXXX address to send the check even though they have been notified. I was going to sue them for retaliation but I think I can report them to XXXX XXXX XXXX  and maybe the Attorney General of Minnesota will sue them.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Midland Credit Management XXXX XXXX Big XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing in response to your [ letter/phone call ] dated [ date ], regarding the collection of the alleged debt referenced above. I hereby request that you provide validation of this debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : XXXX. Proof that I owe this debt, including a signed agreement or other documents that indicate I am responsible for this debt. 

XXXX. The original creditors name and address. 

XXXX. The total amount of the debt, including a breakdown of principal, interest, fees, and any other charges. 

XXXX. The date the debt was incurred. 

XXXX. Proof that your agency is licensed to collect debt in my state, including your license number. 

XXXX. Evidence that your agency has the legal right to collect this debt. 


While this debt is under investigation, and until you provide the requested validation, please cease all collection efforts and communication with me, except as required by law. 

Please be advised that this letter is not an acknowledgment or acceptance of any debt and is not a refusal to pay. It is a formal request for validation and verification of the debt as provided for by the FDCPA. 

Thank you for your prompt attention to this matter. Please respond in writing at the address provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

Medical debt was paid as part of a settlement which was closed in XX/XX/XXXX. 

In XX/XX/XXXX a collection appeared on my XXXX credit report by Elevate Recoveries LLC. I have sent all of the details that we have from our settlement via email.

I have also requested a copy by mail of everything that Elevate and their client have regarding this debt. It is very surprising and concerning for a collection to appear two years after a settlement when I have not received any bills, statements, invoices or any communication regarding a debt.

Every response from Elevate via email is " Weve received your email and have forwarded all information to our client for review. '' I have not received anything at all verifying the debt or any bills, invoices, or attempts to collect any debt. My credit score dropped and when I checked all three credit reports I found the adverse information reported to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by Clerk U.S Bankruptcy Court XXXX XXXX Texas in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing you verified this information with the name above court. 

I challenge the accuracy, compliance and report ability of this listing. 

Please validate this information with the above court and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( l ) ( A ) and I am keeping a 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 satisfactory within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware of the dependent upon your response, I may be detailing any potential issues with your company via an online public release including documentation of any potential small claims action. 


Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit card or prepaid card

I've applied and was approved for the " XXXX XXXX XXXX '' Visa credit card from Chase Bank around XXXX. There haven't been any delinquent payments nor any suspicious activity on my account since its inception. I received a letter from Chase 's Card Services in XXXX, DE notifying me that " after careful consideration, we decided to close your credit card account on XX/XX/2023 because of your association with a Chase credit card, deposit or investment account that was previously closed. '' To my knowledge, I haven't had any previous cards nor any investment accounts. I've called customer service to inquire, and the first individual was completely rude and offered XXXX assistance in the matter nor would she inform me as to what " policy '' I might've infringed upon. Even after her rude, condescending remarks, and tone, I asked to be transferred to customer services to report her and how unsatisfactory her assistance was and she proclaimed that she wouldn't and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a very old antique system. It locks me out all the time from getting a solid credit report from the equifax site directly. When trying to pull a report, it just spins for a solid 15+ minutes and the end result is an error about " no hit '' Past history shows high level Equifax employees need to resolve this. Attempts to get support from customer service is unreliable and ends up in a " we can't do anything for you '' XXXX.
Product: Student loan

Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 

Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. 

From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to {$4.00} XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up.
Product: Vehicle loan or lease

It's a new loan and I'm trying to set up payments. There is a department that allegedly handles online banking issues with whom I've had 7 phone calls in which they have variously blamed me, my phone,  XXXX and their own customer service department. None of these are the cause for the bank 's inability to send a confirmation text message to allow me to use it's online banking. 

I will have no choice but to mail in a check to make my first payment and I will do so. But I just want to talk to someone who isn't in the online banking department who understands that I do not have a problem with receiving a text message, the bank has a problem with sending one. 

I have spoken with individuals at local BBVA branches who have been unable to get in touch with anyone except the worthless online banking department. I've tried to have a three-way call with the online banking department and XXXX, but the online banking department hung up on us.
Product: Credit reporting or other personal consumer reports

The listed creditors are not associated with me, and these inquiries are unauthorized.
Product: Debt collection

First Credit Services is listed on my credit report as a collection in the amount of {$280.00}. This debt to be collected is reported in accurately. When asked for the original contract to be given none of which was provided in since XXXX  and XXXX.This information of a debt owed by a company that has since harassed and scammed so many people regarding debts not owed. I ask for this inaccurate information be deleted immediately from my credit report.
Product: Debt collection

Transunion is reporting a debt collection account on my report from XXXX XXXX XXXX. This company never contacted me or reached out to me to properly verify that this debt is mine. I actually found out about the collection account when pulling my credit report. I also noticed on my report that this collection is being reported as an open account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.
Product: Credit card or prepaid card

Last month, I had informed them that their billing procedures violate the Federal CARD Act, to which they replied that they are following all procedures and they credited my account for the overcharged interest. This was fine. 

Now, I 'm guessing in retaliation, they added nearly {$1000.00} in " purchases '' at an extremely high APR, while I made less than {$100.00} in purchases. 

On top of that, they used nearly everything I paid was allocated to the lowest APR on the card, while barely touching any of the higher APR, and not a single penny towards the highest APR, which is a complete and direct violation of XXXX : Allocation of Payments, exactly what I had informed them of previously. 

I have communicated this with them yet again that they are blatantly disregarding the CARD Act that was implemented on X/XX/2010 and gave precise examples, but this time I was ignored. I 'm sure I am not the only one they are taking advantage of, but I 'm not going to sit there and continue to pay them for breaking the law.