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

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

15 U.S.C 1681 Section 602 A. states I have a right to my 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: Prepaid card

On XX/XX/year> I used my Cash App card to check into XXXX XXXX. I checked out of the room on XX/XX/year>. As of today XX/XX/year> the pending hold of {$50.00} is yet to be refunded back to my card. The merchant has refunded the hold but Cash App continues to hold the pending charge amount to my card. I contacted Cash App on several occasions and they continue to refuse to release the funds. I have provided them with proof that there were no charges, by providing them with the actual receipt provided to me from XXXX XXXX and they continue to refuse to release the funds
Product: Credit card or prepaid card

On XX/XX/2019, my wife 's wallet was stolen from her office. She called USAA and all the other credit companies immediately to report her wallet/card ( s ) stolen. USAA turned off the wrong card. We began relieving text alerts of suspicious charges which we immediately called USAA to report as unauthorized. At this time they assured us the card was turned off and no further charges would be authorized. However, we continued to see charges populate on the turned off card. We called back, they again assured us the card ( s ) were turned off and we would not be responsible for the charges. The charges in dispute were taken off our account and days later they were put back on. We were told we would be responsible for the charges, as the USAA fraud committee determined that since, 'the thief used the chip on card, it can not be fraudulent and we are responsible for the charges '
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Paramount Recovery added a derogatory mark on my credit report per XXXX. Upon further research, the account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all XXXX  credit bureaus.
Product: Bank account or service

I made a {$6000.00} deposit in to my account on XX/XX/2017. I explained to the lady behind the desk that I was desperate to get the funds available. She ran the check through a machine an told me it would be available on XX/XX/2017. I explained to her that I needed to be sure that it would be no later because I could drive to XXXX where the Bank is located from XXXX XXXX just as fast. She said that is all it would take. I made the deposit and on the receipt it even said that there was a hod on XXXX of the deposit till the XX/XX/2017. On XX/XX/XXXX I went to same branch to withdraw my money to pay my bills and the Teller told me that there has been an extended hold on the money till the XX/XX/XXXX. At that point it was before XXXX in the Central time zone that is where the bank was located that the check was drawn on. So I left the bank and returned around XXXX Eastern time zone which is XXXX Central Time Zone so the bank would be open and Citizens Bank could call and Verify the check had cleared. I meet with XXXX the Branch Manger and she called the branch the check was drawn on. Who ever answered the phone informed XXXX that they were not permitted to do that over the phone and she would have to call a different number and use a automated system. XXXX called someone over her head and they said that an Automated system would not work only a human can verify the check was good and there is nothing they could do for me. I asked if I could get the check back so I could drive XXXX miles and get my money from the bank the check was drawn on and they said no, it was too late for that. 
What I do n't get is Money electronically moves between bank at XXXX the same day, That was put in to place back in the XXXX 's. Citizens Bank received my money at XXXX on the XX/XX/XXXX, Why do they need a human to tell them it really happened? This is unacceptable. They are XXXX me. The world wants everyone to stop using cash and are forcing us to use everything electronic, this is why I have a problem with it, Had I deposited cash this would have never happened, had they not told me in writing that my money would be available on the XXXX this complaint would have never needed to be filed. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX BANK # XXXX, XXXX XXXX XXXX # 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 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: Student loan

Navient failed to provide us with viable options to repay student debt. Loans sat in forbearance and deferment or were delinquent for 7 years. During that time we accrued over {$17000.00} in interest. We are unable to pay these loans and Navient will NOT help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit file and noticed Bank of America was reporting 2 old  accounts. I asked for BOA to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is that I have submitted disputes to Experian stating that they had wrong information concerning the XXXX balance ; amount that was current/paid off. This company had deducted 25 points on XX/XX/XXXX in which I contacted Experian and advised that they had inaccurate information concerning my loan balance with XXXX XXXX. I opened a dispute and advised that I had been making principle payments since XXXX of XXXX and submitted a letter from my lender with the current balance. On XX/XX/XXXX they stated my balance was now {$2900.00} which was still incorrect. On XX/XX/XXXX Experian did a modification of {$1.00}, XXXX, which I advised was the accurate amount as early XXXX, but by the time they did the modification to my credit report I had paid the loan off in full. So I received a notification that I had another 25 points taken from my credit score stating that my balance was showing HIGH. I called and started a dispute XX/XX/XXXX telling them that the loan is paid in full and that XXXX XXXX hasn't reported anything since XX/XX/XXXX is because I paid off my loan XX/XX/XXXX. I was on the phone for XXXX hours and had spoke to 3 representatives and 1 supervisor. I asked that they should give me back my points that was taken from me on both occasions due to their neglect and capabilities of not helping me as a consumer in trying to maintain a great score. I also stated that how can they offer services in monitoring to darkweb but can't even keep regular, and accurate data correct. XXXX and XXXX shows my car loan as pain if full. also, Experian has it where you link your bank account that you pay utilities, phone, cable, etc. well I have my XXXXXXXX XXXX account which it shows that you pay your bills on time and it will boost your score ; well I have mine linked and they have bugs in there system where it will disconnect from my bank account and then for some reason then I get a notification that I need to reconnect in order to get credit boost which I never disconnected during the time that I installed the experian App and signed up so that I can be proactive and responsible to keep my score above XXXX. I am so frustrated and sick of this company and the lack of restoration!!!! Attached : Dispute letter, Letter from Lender, XXXX Credit Report Showing that Credit Reporting Agencys Did receive notification from LENDER
Product: Credit reporting or other personal consumer reports

**Subject : Dispute of Unauthorized Inquiries on Credit Report** Dear Sir/Madam, I am writing to dispute multiple unauthorized inquiries listed on my credit report, as detailed below. These inquiries were not authorized by me, and I request a thorough investigation into their origin and immediate removal from my credit report. Furthermore, I kindly request information on the actions taken to rectify this matter. 

Disputed Inquiries : | Institution | Inquiry Type | Date | Bureau | | -- -- -- -- -- -- -| -- -- -- -- -- -- -- | -- -- -- | -- -- -- -- | | XXXX XXXX  | Credit Unions | XX/XX/XXXX | XXXX | | XXXX XXXX  | - | XX/XX/XXXX | Equifax XXXX | XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX XXXX XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX XXXX  | - | XX/XX/XXXX | Equifax XXXX | XXXX XXXX Auto Financing XXXX XX/XX/XXXX | XXXX | | XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX | | XXXX XXXX XXXXXXXX | Auto Dealers, New | XX/XX/XXXX | XXXX | | XXXX  | - | XX/XX/XXXX | Equifax XXXX | XXXX XXXX | XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | | XXXX XXXX - | XX/XX/XXXX | Equifax | | XXXX XXXX | XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XXXX | - | XX/XX/XXXX | Equifax | | XXXX XXXX  XXXX XXXX XXXX XXXX Credit Union XXXX XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | Equifax | | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # Reasons for Dispute : 1. **Unauthorized Inquiries** : I did not authorize any of the inquiries listed above.

2. **Violation of Fair Credit Reporting Act ( FCRA ) ** : These unauthorized inquiries infringe upon my rights under the FCRA , specifically Sections 604 and 611, which ensure the accuracy and fairness of information reported by credit bureaus.

# # # Requested Actions : 1. **Investigation and Removal** : I request a thorough investigation into the unauthorized inquiries listed above and their removal from my credit report.

2. **Notification** : Please provide written confirmation of the investigation 's progress and the actions taken to resolve this matter.

# # # Legal Basis for Dispute : 1. **Fair Credit Reporting Act ( FCRA ) ** : The FCRA mandates the accuracy and fairness of information reported by credit bureaus. Unauthorized inquiries violate the FCRA 's provisions, including Sections 604 and 611. 

Enclosed are copies of my credit reports highlighting the disputed inquiries, along with any supporting documentation affirming my claim of unauthorized inquiries. 

Thank you for your prompt attention to this matter. I trust that you will investigate this dispute thoroughly and take appropriate action to rectify the inaccuracies on my credit report promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of 2019, two debts were created by the Department of Veteran affairs for amounts of {$150.00} and {$3100.00} for education benefits. The debt was created by the college because someone made it look like I was unenrolled from a course without my knowledge. The debt went to collections and dropped my score 180 points. All the letters from the VA were going to an incorrect address and I was never properly notified of the debt. Once made aware of the debt I instantly disputed it with the VA as an error providing a transcript showing I completed the semester in question, a document I have attached here. After 6 months of fighting and proving the debt was an error they corrected the mistake and show the balance as {$0.00} and I have also attached the letter sent saying it was an error and it has been corrected. I disputed it with Experian twice trying to get it removed from my credit report because it was an error. They will not remove it because when it was reported back in XXXX they are saying it was an accurate debt. It was only after 6 months of proving that it wasn't that they closed the account but have not removed it from my credit. The accounts are closed and the balance is XXXX but are still having a significant negative effect on my credit and creating a finical hardship on my family.
Product: Money transfer, virtual currency, or money service

Hello! On XXXX of XXXX I got this message from coinbase : " Hello, Thank you for your interest in Coinbase. Our primary goal is to make digital currency safe and secure for our customers. Coinbase is a regulated Money Services Business under FinCEN ( FinCEN.gov ), and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. 

Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you sign in to your Coinbase account to send any remaining balance offsite to an external address. 

If you are currently enrolled in USD Coin rewards, you may want to wait up to 40 days before withdrawing funds to ensure you have received all eligible reward payouts. You will not be able to access these funds after account closure. 

Should you have any questions or need assistance, please let us know and we'll be happy to help. 


Respectfully, Coinbase Customer Support '' As you can see they do not tell me what " prohibited use in violation of our Terms of Service '' they are refering to. 

I'm not intrerested in being a customer/client to Coinbase anymore so I tried to transfer the XXXX and other coins to another provider but their money sending function does not work anymore - stating that I have the wrong 2FA code. This code however works to login to the services with. 

I have sent Coinbase a ticket and told them to help me transfer the money to another provider but there is no answer. Ticket number/ mailheader below : Case # XXXX - Coinbase Support - WE WILL NOT CALL YOU ABOUT THIS ISSUE I've only got a confirmation that they have recived the ticket.
Product: Debt collection

Debt Recovery Solutions have never contacted me about owing any kind of debt before placing an entry with all XXXX credit bureaus which informed me that a company XXXX XXXX XXXXXXXX XXXX out of Utah ) believes I owe them money. I have never taken out a loan or any loan with this company. However, I saw an entry on my credit report that Debt Recovery Solutions pulled my credit report right before they made the entry on my credit report. 
I sent a registered letter to Debt Recovery Solutions to provide information to me such as why they believe I owe money, including all pertinent information that would prove that I owe money, but haven't heard back since I sent the letter on XX/XX/2023. 
I have also contacted XXXX XXXX XXXX, but they don't have any record of me in their system.
Product: Debt collection

After receiving a voice mail from a restricted number I called with the reference number and was told I was going to be charged with breech of contract and fraud for a loan from XXXX that only my ex husband could have done. They said if I couldn't pay right then on the phone in full it would be filed with the court. They could not provide information on ANY written notifications or anything only an email that's been closed for 4 years.
Product: Debt collection

None of the options listed above describe the situation I had. My issue with Americollect is that I have never heard ANYTHING from them. I went to apply for an apartment and this was not a big enough deal for me to not get the apartment but they have had outstanding debt that they have never tried to contact me about for two years now and it seems to have tripled in size because of the delinquency. I am happily going to pay the debt as soon as their office is open, I am just extremely upset about the lack of an attempt to contact me in what seems like a blatant attempt to grow the size of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximate on XX/XX/XXXX, I did an online inquiry with Transunion concerning my credit report. As of today, XX/XX/2018, I have not receive an answer. It has been over 30 days ( business and calendar ). My case number is XXXX. 

Also, I was charge for a monitoring program on XX/XX/2018, ( XXXX ) that I ask them to stop it in XX/XX/XXXX. I would like for them to look into that situation and verify has that been done..
Product: Checking or savings account

Bank of america opened a fraudulent commercial business account and removed {$20000.00} from my original checking account. Also had someone remove {$500.00} from a bank in New York. I live in XXXX. They said the {$20000.00} was transfered digitally. They denied the claim to return then funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment was reported to my credit report. I contacted the card company as I was unaware that I was a late on the payment, let alone that it had been reported to the credit bureau. I was unable to get online to make the payment as they have updated their website and log in information. At that point it was past due. I paid more than the asked amount. When I got my next statement it indicated that I had {$0.00} due. When I talked to them about correcting this because of the difficulties I had logging in on their site to pay the acct, they said they would fix it and gave me steps to do to make sure it got done. I did those steps immediately. I also filed disputes with the credit unions. I was told this was going to be taken care of. When I called to check in on the dispute and ask them to bring it to the fore front as we are in the middle of a home loan, they said they already replied to the dispute as it was n't their fault and that their hands were tied, when I was told by someone else days before that it would be fixed. At this point I have a home loan that has been put on hold.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS MUST BE REMOVED. EQUIFAX HAS A BREACH I WAS AFFECTED BY AS WELL AS XXXX AND XXXX. IT IS YOUR RIGHT TO REMOVE THESE ACCOUNTS IMMEDIATELY! 

I received a copy of my credit reports and am writing to dispute the following fraudulent accounts information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

I have been a victim of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX  {$26000.00} Date Opened XX/XX/year> 2021
Product: Debt collection

Capital One is suing me for a credit card I did not open or buy anything with. I have tried to contact them for the original purchase, but they can not tell me since I do not even know the credit card account number. My attorney, XXXX XXXX, was able to get some back statements, but they only show payments that I did not make. I still have no idea what this is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 called company and did not get any response and inquire was not removed from credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous personal information and accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as son. so please help me while I move forward with helping my family thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused me severe distress upon the discovery that my right were violated by XXXX XXXX in the amount of {$11000.00} In accordance to the law : 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 The law has been broken and my rights have been violated! 

Delete this from my credit report immediately.