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

In accordance with the Fair Credit Reporting Act, The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX ( ACCT # XXXX ) has violated my rights. 
XXXX XXXXXXXX XXXX ( ACCT # XXXX ) has violated my rights XXXX XXXX XXXX ( ACCT # XXXX ) has violated my rights CREDIT XXXX XXXX ( ACCT # XXXX ) has violated my rights 15 USC 1681 section 602 ( a ) states I have the rights to privacy.

15 USC 1681 section 604 ( a ) section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
MY FEDERALLY PROTECTED CONSUMER RIGHTS HAVE BEEN VIOLATED! 
The above referenced accounts do not belong to me and I want them deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not responsible of these account. I am a victim of ID theft. People have use my information to open them, and perform fraudulent activities
Product: Credit reporting, credit repair services, or other personal consumer reports

the listed inquiries below have been challenged and Transunion has ignored all of my mail challenging these inaccurate inquiries. Additionally, they are continually reporting a XXXX XXXX account that is not accurate and needs to be deleted immediately. Transunion even blocked my computer IP address from being able to login into Service.Transunion.com. I added that image also. I also added the pdf that I sent recently to Transunion for the Inquiries.
Product: Checking or savings account

XXXX attempted to withdraw {$340.00} from credit card unknow to me. I talked to three people at Bank of America and said they have denied me access to my bank accounts to make online bill payments. They said it would take three to five days to reset my profile. 
I said this is impossible. I ask them to cancel my credit card and reissue another credit card. They said once again three to 5 days How can a bank of such prestige and electronic means deny me access to my funds to make online bill payment due to an error on some card, which is not mine. 
I told them I wanted my account fixed as of midnight tonight and they said that was impossible They are denying me access to my own money to make online bill payments. 

This is against banking regulations to withhold access to my own personal finances. 
I explained trhat I scheduled payment to come out XXXX and so forth XXXX of them is my student loan account. 

This bank needs to be fined and all my late charges paid for denying me access to make payments within the three to 5 days which they indicate will take to reset my profile.
Product: Money transfer, virtual currency, or money service

I have used coinbase for years now to hold some of my cryptocurrency investments, I have assets in both coinbase and XXXX, coinbases exchange, current value probally around {$25000.00}. Coinbase uses 2factor authorization for signing which is good, it is a safety measure. The problem is, I got a new phone and 2 factor authorization is not on my new phone. I tried for hours setting this up on XX/XX/XXXX, deleting and installing the app on my phone, trying to reset my account which led to the point of my  account being suspended and locked and I need to contact support to reset everything. I have cases with coinbase and they are not unlocking my account. I have called 3 times after a 45 minute hold saying they dont have a timeframe to unlock my account. The representative says someone is working on it and typical time is 3 to 4 business days. It has been over a week now, they are not responding to emails and I just want my account unlocked. I use other exchanges and this did not happen, it was easy to update, coinbase makes it difficult and then they have no support to help when their are issues I also recently moved, so I have a new address and I am sure this is going to make this even more difficult to resolve and my next step is to just have a attorney collect my assets. It seems a little over board to get account reset.
Product: Vehicle loan or lease

At the end of my lease with GM Financial, I made an extra payment to the financial institution due to auto-pay setup from my bank. I was then sent an invoice for around a {$130.00} for 'excess wear and tear ' due to what they called damaged/scratched bumper area. What I believe occurred is that they took my extra payment and applied it to any remaining fees and excess wear assessed at the turn-in of the vehicle of about {$680.00}, leaving it short {$130.00} and with no explanation. I did not accept this wear and tear assessment because I live in a city/urban area and nicks like this occur all the time and I never noticed this damage. Nor was my incorrect extra payment meant to affirm my agreement to this charge/fee. I did call the institution and was frustrated by their lack of understanding or capable response. I wanted to dispute this but this is time consuming and I do have a busy work schedule. I discovered they reported me as delinquent on this remaining {$130.00} which is basically the disputed wear and tear cost. I called a 2nd time and paid the remaining amount because while I disputed the charge, they were going to report me as 60 days late regardless. So I paid it, but was told I had not other real option to dispute this. I then asked to have my late notice cleared, which they then said would be with another group that was unavailable at the time and that I would hear back from the later. There has been no response. This is very frustrating and a lack of understanding by the institution and not a lot of options to handle as a consumer.
Product: Credit card

XXXX NOT PROVIDING ME THE STATEMENTS TO JUSTIFY THEIR CLAIM.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. Extentions were granted for each of the late payments reported prior to 30days of being considered late. I contacted and informed furnisher of error. See attachments XXXX XXXX ACCT # : XXXX Please 15USC1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

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

LATE PAYMENT LETTER Your Name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX trans Union To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error. 

LIST OF ACCOUNTS WITH LATE PAYMENTS : 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 As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make paymentsA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please re investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed. 
I am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made. 
Thank you for your attention in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. Neither do these inquiries- 1. XXXX XXXX XXXX XXXX- XX/XX/2021 2.XXXX  XXXX- XX/XX/2021 3.XXXX XX/XX/XXXX. 2021 4. XXXX-XXXX  XXXX, 2021 5. XXXX XXXX. 2021 XXXX. XXXX XXXX XXXX , 2021 7.XXXX XXXX XXXX- XX/XX/2021 8.XXXX XXXX XX/XX/2021 2021
Product: Credit card or prepaid card

on XX/XX/22, my online XXXX account was hacked. XXXX transactions were made, for total amount of XXXX which I have not made any of these transactions. 
I called XXXX to close the account and I called PayPal ( synchrony bank ) and they opened XXXX claims for unauthorized transactions. 
later XXXX claims were closed in my favor because XXXX responded that I am not responsible for those XXXX transactions and the other XXXX claims were against my favor. 
I called synchrony bank and reopened the XXXX claims again because I am not responsible for any of those purchases. synchrony bank didn't accept the XXXX claims and closed them against my favor! and I called again and reopened them again. and back and forth till today they keep closing the claim against my favor and I am the victim of fraud transactions. XXXX account was hacked. 
please, I need your help to investigate on my case.
Product: Debt collection

Hello, I have repeatedly tried contacting XXXX XXXX XXXX since XX/XX/2021 about a derogatory account that appeared on my credit report for {$90.00}, part of an alleged {$150.00} owed that I was not given information about. They apparently sent it to a collections service, State Collection Service, with whom I contacted. I disputed this due to the fact I had not received notice of this. They too found that they had received incorrect contact information from XXXX XXXX XXXX ( on behalf of Illinois XXXX XXXX XXXX in XXXX ). 

They closed the account and sent it back to XXXX XXXX XXXX. I received a written notice of this and two phone calls confirmed. I have repeatedly contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX to check if this debt is legitimate and to verify it and have received various replies. The contact was in the form of several certified mail letters ( with receipts showing they were delivered to the correct address ) and about 8 phone calls or so. They admit they are upgrading to a new computer system and had my old address on file ( which doesn't make sense since I've used 3 other XXXX offices from the same XXXX and they have the correct contact information ). 

Each call I was told they are not showing anything, then a rapid call back, I was told that they do have a record of it but they haven't verified it with the Collections Company ( State Collection Service ). I now contact the collections company again and the representative as well as automated system has no record of any accounts for me. I call XXXX XXXX XXXX again and they say they received notice of this, but the system hasn't updated. I provided them with my correct information and each subsequent call I am getting a somewhat different story or finding out they still have the wrong contact information. 

I have repeatedly and in good faith tried to contact XXXX XXXX XXXX and its associated XXXX and they will not provide me with an answer except " call back in 10 days '' which I had been told 4 times. Each time I call, they have issues looking up the account, which actually exists, and then I am told that the account isn't " updated ''. This is ridiculous as if I owe a debt, I will gladly pay it, given I am informed of it. I have a perfect record of doing so, and when I am trying in earnest for almost 6 months to verify if it existed at all, they provide ambiguous 'answers '.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX FINGERHUT/WEBBANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have contacted Bank Of America many times and demanded to explain why the XXXX XXXX XXXX as a restaurant only earned me 1 percent of cash rewards when my rewards category for dining is set to be 3 percent.

They kept explaining that the restaurant self described themselves as a school therefore even though they are restaurants, the bank choose not to step in and regulate the merchants description which harmed my interests as a consumer
Product: Debt collection

This company offic es of FMR, calling me  from different  XXXX  numbers, talked to representative and it 's not even a debt I owe. Calling other family and friends numbers and leaving messages about trying to contact me. I do n't owe any company and I have blocked several numbers and it has yet to stop. I do n't need to be harassed.
Product: Debt collection

I can see the claim through my credit app, however i have not recieved any mailed statements to pay this off or come to an agreed upon date of payment. I would like to get this XXXX dollars off my report.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the XXXX this situation has put me under.
Product: Money transfer, virtual currency, or money service

Venmo XXXX XX/XX/year> Venmo place the funds in my account {$45.00} on hold for XXXX days for loss prevention purposes and I'm confused on why the money is being held.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account was opened in XXXX and maintained since then. However, XXXX Mortgage is incorrectly reporting that my mortgage was included in my XXXX bankruptcy -- it was not. In fact, XXXX Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? 

This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. 

This incorrect, derogative information must be deleted from my Equifax Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. 

Thank you!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Attorney - XXXX XXXX XXXX XXXX  On behalf of Synchrony Bank XXXX, WA XXXX RE : Account XXXX Dear XXXX, I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Debt collection

I've received numerous calls from Transworld Systems Inc. trying to collect a debt owed to XXXX XXXX XXXX XXXX. 

Their references/file # XXXX their invoice number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding the egregious failure of Equifax to grant lenders access to my credit report, thereby severely hindering urgent medical proceedings. This matter demands immediate attention and resolution. 

On XXXX, XX/XX/2024, a lender attempted to access my Equifax credit report to facilitate a critical medical transaction. However, despite repeated attempts, they were unable to retrieve the necessary information. Concerned by this obstruction, I proactively contacted Equifax on XXXX, XX/XX/2024, and spoke with a supervisor. After verifying that there were no fraud alerts, blocks, or security freezes on my account, the supervisor attributed the issue to a potential misspelling of my last name by the lender. 

Following the supervisor 's advice, I diligently communicated with the lender to ensure accurate spelling of my details. Despite our concerted efforts, the lender remained unable to access my credit report. Frustrated by this ongoing impediment, I escalated the matter by contacting Equifax again on Thursday, XX/XX/2024, and conversed with a supervisor in the office of consumer repairs. However, the responses I received were unsatisfactory, as they attributed the problem to a purported glitch in their system but promised it would be fixed within XXXX hours and to have lender try again. 


Regrettably, as of this morning of XX/XX/2024, the lender still faces insurmountable barriers in retrieving my credit report from Equifax. This egregious delay poses a grave risk to my health and well-being, as the medical procedure in question hinges on timely access to financial resources facilitated by the lender. 

I implore both the Consumer Financial Protection Bureau and Equifax to take immediate action to rectify this situation. The urgency of my medical circumstances demands swift resolution and uncompromised access to my credit information. Equifax 's persistent failure to address this issue not only violates my consumer rights but also endangers my life. 

I request a thorough investigation into the root cause of this systemic failure and the implementation of corrective measures to prevent such incidents in the future. Furthermore, I urge Equifax to compensate for the distress and inconvenience caused by their negligence. 

I appreciate your prompt attention to this matter and expect a swift resolution to ensure that my Equifax credit report can be accessed from lender without any further delay.
Product: Debt collection

I've been reviewing my credit reports recently because I'm trying to put myself in position to get approved for a mortgage. I noticed this company Credit Collection Services reporting a debt of {$130.00}. The thing is I don't know who they are or what they are claiming I owe them. I have sent them letters to which they have not responded and I'm demanding they delete this info from my credit reports. I have never in my life done business with this company and they're reporting otherwise is harassment at the least.