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 Account number : XXXX {$670.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Coinbase disabled my account on XX/XX/2021, and I have NO idea why. I have tried multiple time to contact them for a status, and even formally filed a complaint using their complaint form on XX/XX/XXXX. I have a large amount of cryptocurrencies stored at Coinbase, and still do not have access to my account. I have kept the sequence of email thread along with all money transactions at Coinbase. My Coinbase Case number is XXXX  and Coinbase Complaint number is XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : I made my payment on time, but the delay in processing by XXXX XXXX XXXXXXXX led to the late payment being recorded. Attached is a copy of the bank statement showing the payment date. The delay was on the part of the bank and not due to any action on my side. 
Discrepancy in Due Date Communication : There was an inconsistency in the due date communication, which I raised with XXXX XXXX XXXXXXXX. The discrepancy between the statements I received and the payment due date caused confusion. I have attached correspondence with the bank that acknowledges this discrepancy. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Experian is reporting XXXX as potentially negative. This is a paid account. 
Experian is reporting XXXX written off. 
It's being reported fraudulently. It was paid.
Product: Mortgage

I have a home loan with Mr. Cooper. I've been with them since 2013 and have never missed a payment. Two weeks ago I couldn't login to the online banking system as it gave me an error saying I was in bankruptcy and had to call them. I called them for days trying to get this resolved. I spoke to approximately 8 reps over two days before one of them saw the error. But even then, they couldn't fix it. Apparently there's another person with the same name in North Carolina going through a bankruptcy. But Mr. Cooper decided that that person was me, in XXXX XXXX California. They told me they'd fix this, but it hasn't been fixed yet. This also caused my upcoming payment to be over {$400.00} more because apparently that bankruptcy that wasn't mine, caused an escrow analysis. I can only imagine they reported this to the credit agencies as well and who knows what else. But my loan has been disrupted and they made changes without even checking with me. They have not contacted me once. I'm the one who has been calling almost daily now to find out what this extra {$400.00} is about. This is not the first time they made a mistake with my account. A few years back, Mr. Cooper did not make my insurance payment. So for a few months my home wasn't insured. Luckily the insurance company contacted me and let me know. XXXX knows how bad it could have been if I had needed my insurance during this time. 

Anyway, this is just bad business across the board. They've caused me lots of stress, and most of this is out of my control. They shouldn't be able to do this to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report.

Equifax is also in violation of 15 USC 1681 ( a ) ( 4 ) which states that I have a right to privacy as a consumer. My privacy has been breach because Equifax continues to report these inaccurate accounts. Which I never gave them any consent to furnish.
Product: Mortgage

I spoke to a agent that said the auction can not be pushed back on their end and that I have to contact the foreclosure attorney, then I spoke with the attorney and they said they cant do anything unless Mr Cooper tells them to, so now I've wasted time going back and forth trying to figure out how I can resolve this. I now have someone that can help me get everything done correctly and they called in and said that when they called that we have to fill out documents and that might help with postponing the auction. Why didn't the first agent tell us that and made me contact the foreclosure attorney? This could've been resolved much sooner.
Product: Credit reporting or other personal consumer reports

Kikoff Lending is a credit builder app. I signed up years ago and cancelled as it wasnt a good fit. They continued to report missed payments on a loan that does not exist. I now get an email saying they charged off XXXX $ and it will appear on my credit. Thats the cost of a subscription through them. A monthly subscription payment being cancelled is NOT credit report worthy or legal.
Product: Credit card or prepaid card

I have a credit card on my account from Capital One through XXXX. I worked to XXXX from XXXX XXXX XX/XX/2023 and I never took a credit card out. I also have one on my account that opened XX/XX/2023 from XXXX XXXX XXXX. The only credit card that I have is from my credit union. I had one from XXXX but I closed it out. I really need help getting these off of my account because this is messing with me badly in life. I am to that point in my life where I want a car of my own and to get a house but I can't because of these cards of my account having my score low. I was going to pay them out to see if that would help but everyone I talk to told me not to because I didn't make those purchases.
Product: Credit reporting or other personal consumer reports

This letter consummates my lawful and rightful consumer declaring of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notice represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately put together a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! I am writing you with this formal protest and a demand for adequate movement on your part. You are non-compliantly reporting improperly to the and Experian and damaging my credit. You are surely with infringement of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( s ) might well be subject to fines and damages. I am providing you but this one last chance for rectifying of this reported item. Previously, I had sent you a letter advising you that you were incorrectly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to Delete now or update appropriately as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-related accounts-your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my mailed notice was disappointingly neglected.
Product: Student loan

I went to XXXX at XXXX University and I applied with a private loan to XXXX for XXXX to pay for school expenses. This was in XXXX I have never once received any documents from XXXX or any other company stating that my loans were being sold to anyone else. I graduated from XXXX University in XXXX, and started XXXX XXXX in XXXX in all this time I still had not heard anything I 'm thinking that my loans are with XXXX XXXX and XXXX only. So in XXXX I was served with some papers at my Mom 's old house that I had n't stayed at in years. So I ended up getting a court date in XXXX XXXX with a Law firm by the name of XXXX I have never heard of them. Stated that they were representing XXXX XXXX XXXX XXXX XXXX I still have no clue who these people are. So I went to court in XXXX Ga and I explained I wanted to see paperwork because at the time I had no clue who was the lender and the judge told them to provide me with proper documentation. They never did I filed chapter XXXX bankrupt in XXXX of XXXX and I 'm full aware that student loans can not be discharged in BK and that 's not what I wanted. So in XXXX of XXXX my mother was XXXX and I had not worked from XXXX XXXX XXXX of XXXX with no pay. I get my third paycheck of the year and saw a Writ of Garnishment on it I was so confused. So I filed a adverse with the courts and had to go to court in XXXX XXXX Ga today and the attorney office that was represented was the same which is XXXX which again they did n't seem to care and which I understand. The attorney that showed up today showed me which loan it was for which was XXXX in the amount of {$5000.00} which now they are claiming I 'm owing almost {$10000.00}. I just checked my paycheck voucher and they have taken XXXX so far from these pass few pay checks my last pay check on the XXXX was for {$570.00} I can no longer live like this I 'm going to be homeless soon and these people do not care. I told the attorney I will pay them {$200.00} a month but almost {$600.00} is ridiculous so what do I tell XXXX-My car company-insurance-rent and other utility companies? XXXX XXXX do not pay me nothing but {$29000.00} a year I 'm barely making it. So I 'm filing an complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX- If I 'm evicted what do I suppose to do nothing live on the streets of XXXX. This is suppose to be America education is preached and taught, but when we have to go through things like this you lose all hope as a citizen who pay their taxes.
Product: Checking or savings account

Please add this to my complaint XXXX CFPB My name is XXXX XXXX I have disputed two payments today under case number XXXX {$100.00} case number XXXX XXXX {$100.00} case number XXXX 10 business days to take for not receiving service but I dont know if it was filled and can yall verify it was disputed if not dispute both payments for me ref # XXXX {$100.00} and ref # XXXX {$100.00} both happen on XX/XX/24 when yall dispute both of them send me proof thanks contact me at XXXX etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report in XXXX of 2020 and notice that there was a hard pull on my credit report from SHELL/CITIBANK, NA. On XX/XX/2020, I sent them a letter to the address that they provide on the credit report ( XXXX XXXX XXXX, XXXX, DE XXXX ). The USPS returned it with a yellow sticker that said " Not deliverable as addressed ''. I have also tried calling them and I can't get past the automated system because I don't have an account with them. I can not speak to a live person. I did not authorize this inquiry and it needs to be removed. I tried disputing it back in XXXX, 2020 and my attempt failed due to inaccurate information that SHELL/CITIBANK, NA is providing for people to dispute.
Product: Debt collection

In XXXX of XXXX, I ordered my credit reports as part of my annual routine to monitor my credit. I noticed an account on all three reports that I did not recognize, and disputed them via their respective web sites. I received a letter from Portfolio Recovery Associates on XXXX XXXX, XXXX in which they allege that I owe them this debt. I replied with a letter on XXXX XXXX, XXXX disputing this account and outlining their noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and 23 NYCRR 1.4 ( c ). They continued reporting this account to the three agencies and called me over a dozen times even though this account was in dispute. They replied with a letter on XXXX XXXX, XXXX in which they still did not prove that they are legally able to collect this debt. I sent them another letter on XXXX XXXX, XXXX outlining their violations of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and XXXX NYCRR XXXX ( c ) and their willful noncompliance with these laws. They sent me a letter on XXXX XXXX, XXXX in which they continued to claim they can legally collect on this debt without providing me any new information or documentation. In XXXX of XXXX, I filed a complaint with the Better Business Bureau against XXXX. Despite various communications from the BBB, XXXX has yet to remove this item from my credit reports, or to provide any believable evidence that they have the legal right to collect this debt. 
XXXX then sent documents to the BBB that they claim were sent to me, but these documents were never sent to me, and contained time stamps proving that they were just printed previously to being sent to the BBB. They intentionally tried to deceive the BBB by misrepresenting the timeline of these documents, as well as made false statements to the BBB about these documents being sent to me.
Product: Credit card

My payment history is usually consistent, so please remove this late payment and update my account.
Product: Student loan

I have called Nelnet Multiple times and have requested a refund on my loan payments made during the COVID forbearance. They have not reached back to me after a month and will not answer any of my questions.
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company. 

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

In accordance with 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 XXXXXXXX, have 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 card

hi This a fraud that happened with the small owner business credit card with Bank of America. 

Fraud happened on XXXX XX/XX/2024, i got a text message from Bank of America stating a fraud happened on my credit card. I called up the bank fraud department immediately, they closed my credit card and issued a new credit card. 

At that time i was told that everything was taken care and there is nothing required from my end. 
however last week i saw the same amount appearing on my credit card account statement. When i called up the bank, they told me since it was a fraud, claim has been raised. 

My question to bank of America, was that why this information was not provided when i called up on XXXX XXXX, the day when the fraud happened. 

Also they never told me how my data was leaked online for the fraud to happen in the first place. 

i am reaching out to CFPB for awareness and see how such credit card fraud can be handled better because otherwise inspite of calling the bank on time for credit card fraud, i loose money then its a big issue. 

Consumer confidence in banking will go for a toss.
Product: Credit reporting or other personal consumer reports

I recently sent in report expressing to the three major private credit bureaus that the following accounts are not mines, nor did I give any agency permission to report any account on my behalf to any third party or private agency .There are many consumer laws to protect the privacy of individuals like myself.

I'm demanding that the following unauthorized accounts be removed from my consumer / credit report. 

XXXX. XXXX XXXX, a duplicate double account reporting and both needs to be removed immediately. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts should be removed and blocked from my consumer report immediately.
Product: Debt collection

I filed a complaint with your agency about this this company ( National Credit Adjusters ) XX/XX/2021. I sent them a letter asking them to validate this debt, they did not validate this debt as belonging to me. I never received a response back from this company. The original creditor is XXXX XXXX XXXX. I filed a lawsuit against XXXX in XX/XX/2021 and XXXX settle this case by deleting this account from my credit report. I have all the documented to prove that the account was dissolved and removed from my credit file. The same account was sent and reported to the credit bureau by National Credit Adjusters in XX/XX/XXXX XXXX.I am sending this complaint to you to see can we get this matter resolved before I contact the courts to file a lawsuit. The amount of the debt is {$900.00} dollars.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

I am writing this for the 2 late payments that is reporting on my credit report XX/XX/XXXX and XX/XX/XXXX. I have tried to get this updated because its affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX MasterCard Credit Card # : XXXX is lost/stolen, and all the charges on the account are fraudulent and unauthorized charges/transactions.
Product: Mortgage

My loan was originated by XXXX XXXX XXXX ( GWB ) XXXX XXXX XXXX  SD on XX/XX/XXXX, and on XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX ( XXXX ) and was done so without a Deed of Trust ( DOT ) being delivered or recorded to the XXXX   County Registry of Deeds. As this did not stop GWB from owning the debt or XXXX from owning the debt, it made the loan an unsecured debt. The Note was signed by GWB XXXX XXXX XXXX XXXX   for the sale onXX/XX/XXXX, and XXXX  on XX/XX/XXXX submitted and got accepted my loan for XXXX XXXX XXXX XXXX created XXXX   which XXXX XXXX XXXX XXXX XXXX endorsed in blank the Note ( XXXX  ) on or about XX/XX/XXXX, as with all loan placed into the XXXX XXXX.

On XX/XX/XXXX it was discovered that there was no recorded Deed of Trust at the XXXX County Register of Deeds Office so on XX/XX/XXXX, GWB who had no remaining financial interest in the loan, illegally had recorded the DOT XXXX   recorded on XX/XX/XXXX, @ XXXX XXXX. GWB knows they sold the loan 21 days before the recording as did XXXX  who never applied for an Assignment of Deed of Trust because the act as with the initial recording is against the law.

XXXX on XX/XX/XXXX, had XXXX XXXX XXXX ( XXXX ) start mortgage servicing all XXXX XXXX   Fed Gov loans ( FHA & VA ) without purchasing as with the program XXXX XXXX has possession of the blank Notes to prevent any sale ever of the loans. Wells purchase the building the loans were housed in XXXX  WI, and hired the XXXX employees, as a physical possession was taken loan files with Wells as custodian of records as well as servicer, making it impossible for the loans to every be returned to XXXX.

On XX/XX/XXXX, the XXXX  seized XXXX and the FDIC declared it a " failed bank '', and the bank was defunct on that day. The debt stop existing as the bank stop existing and XXXX had no way to approach the court being a non-existing entity.

XX/XX/XXXX, the law firm that hired in XXXX XXXX XXXX XXXX  out of XXXX XXXX, who had their attorney that was the head of the foreclosure Dept XXXX XXXX as neither XXXX of XXXX was license to do business in Nebraska as they were not registered at the State Attorney Office, as XXXX has never been authorized to do business in NE. XXXXXXXX XXXX as an Assistant Secretary for XXXX  forged Assignment of Deed of Trust XXXX  to make it appear that GWB sold the loan to XXXX  when in fact GWB had no financial interest in the loans.

My home was illegally foreclosed on XX/XX/XXXX address XXXX XXXX XXXX XXXX ( XXXX ) NE. {$250.00} property without that debt, that was my property free of XXXX debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over XXXX inquiries on my credit report that were not authorized by me. Inquiries and dates listed here after that need to be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX