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 XXXX, and XXXX XXXX XXXX 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 an account without my written instructions I have asked for verification of contracts or relationship with these companies and Transunion is unable to provide such evidence.
Product: Credit reporting or other personal consumer reports

U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY!

The accounts should not be furnished on my consumer report as they are in VIOLATION!!! Subsection 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTING CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX ) XXXX XXXX Current Balance : ( Reportedly {$14000.00}, Original Balance {$19000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance : ( Reportedly {$0.00}, Original Balance {$39000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$23000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$15000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX ) XXXX Original Creditor - XXXX XXXXXXXX XXXX XXXX Current Balance ( Reportedly {$15000.00}, Original Balance {$14000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor - XXXX XXXX XXXX XXXX  Current Balance ( Reportedly {$16000.00}, Original Balance {$16000.00} ) Action taken : Submitted and received a response from XXXX ( Pending other consumer credit agencies. 
Address : Unknown
Product: Checking or savings account

I bank with Wells Fargo and they have allowed so many fraudulent transactions come out of my account numerous times and Id like all my money back. Over {$4000.00} was taken from me and they said that I went in person and took the money out at locations I have never even been. I would like all of my money back this is ridiculous! I have done business with them for over 7 years and this is the thanks I get. I was supposed to get two provisional credits from fraudulent activity and someone went in and took all of the money out of my account and Id like all of that returned to me or I will be seeking legal action. Enough is enough. I cant even get to and from work because all of my money is gone. I cant believe someone would do this to me.
Product: Debt collection

Hello there, Please help me understand why would there be interest charges on a written off and closed loan account. I thought we were in the process of trying to settle this written off debt from years ago. Anyway, I tried multiple times to communicate/negotiate with XXXX XXXX years ago and Credit Corp Solutions prior to court filings. But, both parties were super aggressive failed to negotiate and both were biased towards me at that time. It would be impossible to payoff this written off debt currently due to living on a fixed and limited income. I was finally approved for SS XXXX after patiently waiting for over twenty-two months. This would be a huge financial burden and detrimental to health on anyone who is barely making ends meet which can lead to a possible life threatening illness. I do not know who gives the authority to these third-party, wicked collection agencies who buy junk debts pennies on the dollar and then abuse the less fortunate, low income individuals and families! 

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

There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, NW XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$10000.00} ( Experian, XXXX, XXXX ) XXXX XXXX XXXX XXXX - Balance {$13000.00} ( Experian ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( Experian ) Childsupport - {$7300.00} ( XXXX   and Experian ) XXXX XXXX - {$3500.00} ( Experian )
Product: Credit reporting

I am having an issue with XXXX XXXX XXXX Improperly reporting late payments for a collection they agreed to terms of partial payments in the amount of {$10.00} on top of our monthly usage bill to service continuing. I feel as i was improperly informed that they would keep reporting every month that the account was 180 days late. Myself and XXXX XXXX cames to terms of agreement that I could pay the past due balance as partial payment thinking my credit would not be affected by this and I could continue services with the company. At the time of agreement XXXX XXXX did not disclose any credit reporting in this matter they simply exclaimed i could not recieve services unless I paid the balance in full or paid in partial payments. I noticed they reported 180 days late for 46 consecutive months. I have never been 30 days late or more on this agreement or my monthly bill. Since I have paid the balance completely off in full on XXXX XXXX 2015. My account is active and still in good standings. My wife and I have contacted XXXX XXXX on several occasions and all they tell me is this is part of my history for the account. My problem is I do not feel these late remarks should not be on my credit report due to the fact I have paid our agreement and my bill on time all of those 46 months. I also feel as if I was decieved by them not fully disclosing any information on them even reporting to the credit bureaus. I feel as if this is an unfair business practice. I have talked to them on several occasions and they do not wish to work toward a resolution. They keep giving me different information everytime and transerring me to different represenatives with no solution for the matter. I 've also tried to get a letter of full debt payoff or paid in full letter and they also exclaimed they do not do that. But the main issue is unfairly reporting 180 days late for 46 consecutive months and it has devastated my credit report. I have decided to come here with this matter to see if we can get a resolution. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and notice that my account for XXXX XXXX # XXXX account type, " Credit Card '', and noticed a couple of late payments from XXXX XXXXXX/XX/year> that I was never late for. Consumer Reporting Agencies have a vital role and a responsibility to report Consumer to their best ability with maxim accuracy. I have never been late on the payments for the account # XXXX. Please investigate and provide proof showing these payments were late. If proof can't be provided I demand these payments to be updated on time as I was NEVER LATE. Thank you in advanced.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft stemming from the XXXX and XXXX data breaches, where my personal information was compromised and misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly revealed that a significant data breach had occurred on XX/XX/XXXX, due to hacking. In a revised announcement in XX/XX/XXXX, XXXX confirmed that all three ( 3 ) billion accounts were affected, compromising the names, email addresses, phone numbers, birth dates, passwords, calendars, and security questions of its users. My XXXX email address ( XXXX ), which I primarily and actively used from XXXX to XXXX, was among those compromised. Additionally, on XX/XX/XXXX, XXXX disclosed a major data breach that occurred between XXXX and XX/XX/XXXX, exposing consumer data including names, addresses, phone numbers, email addresses, and other sensitive information. As a result of these breaches, I have reason to believe that my personal data has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal auto loan with XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXXXXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX and hard inquiries with XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX XXXX XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX on XX/XX/XXXX and with XXXXXXXX XXXX XXXX on XX/XX/XXXX. 

These accounts have resulted in several fraudulent collections, charge offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Debt collection

I have been trying to resolve a collections account with NCC BUSINESS SERVICES since XXXX regarding move out/early termination charges for an apartment I shared with my ex boyfriend. Certainly we were aware there was going to be monetary consequences for breaking a lease, but in excess of {$6700.00} is unbelievable! I have disputed the charges ( EX : $ 1100+ fee for carpets where there were NO pets and we lived in the unit for less than 12 months ) and attempted to work out a settlement option for a reduced, reasonable, and affordable amount using our tax refund and every time I was told they do NOT do settlements and I can just pay what I can towards the balance until it is paid in full. 

Recently, I decided to dispute the account with the credit bureaus regarding these erroneous and inflated charges in efforts to resolve this and on TrXXXX it indicates the account is now closed ( which it never said this before ). So I contacted NCC BUSINESS SERVICES onXX/XX/XXXX to see the status of the account. I spoke with a representative by the name of XXXX and asked him if this was open and if they were still collecting on it and he said " yes ''. I explained to him what was mentioned above and he then informed me he would submit for a " debt reduction '' and he would call back once he spoke with management on an answer. I asked why he would be able to submit for a " debt reduction '' now when all these years I was told they did n't do settlements/reduce balances and that I needed to just make payments towards the balance. He told me because " I did n't qualify ''. So I then asked how NCC BUSINESS SERVICES would know if I qualified or not because nobody every asked me any questions regarding my circumstance to determine if I did or did n't qualify? He said because we were n't on unemployment, on SSI, disability etc. Which is actually inaccurate because for XXXX XXXX ( my ex who was also on the lease with me ) was unemployed during a portion of the time we lived in this apartment. However, I was still employed while all this took place and even asked ( during a previous call ) to do a single party settlement to remove my name only and pursue XXXX for the remainder and was denied this workout option as well. XXXX quickly changed topics and asked if he can get the debt reduction approved if I was prepared to pay the payment all at once. I said I was, but still wanted to know why now all of a sudden this was a possibility when it had n't been for the past 4+ years. It appears misleading that now on my XXXX report this account shows closed and they can all of a sudden do a settlement?
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent in regard to the inaccurate accounts that showed up on my credit report after I checked it this afternoon.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account listed on my credit report, which is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). 

Account Information : XXXX XXXXCreditor NameXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX*Account NumberXXXX XXXX XXXXXXXX XXXXLast Activity XXXX : XX/XX/year> According to the FCRA, negative items should not be reported after seven years from the date of first delinquency. The account listed above is over seven years old and should be removed from my credit report immediately.

Please investigate this matter and remove the outdated account. Enclosed are copies of my credit report highlighting the account in question.

Thank you for your prompt attention to this matter. 

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

I am writing to formally express my serious concern regarding the disputed accounts on my credit report. I have raised the issue of inaccuracies in these accounts multiple times and have consistently requested that they be thoroughly investigated. Despite my continued efforts, I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts on my credit report is causing severe damage to my credit profile, negatively impacting my financial health, and significantly affecting my ability to lead a normal life. These inaccuracies have resulted in undue hardship, and I am left with no choice but to once again request your assistance in rectifying this matter as a priority. 

I kindly request that you conduct a detailed investigation into each of the disputed accounts listed on my credit report and take the necessary steps to update and correct the information without further delay. Restoring the accuracy and integrity of my credit report is critical for my financial well-being, and I hope to resolve this issue promptly with your support. 

I sincerely urge you to give this matter your immediate attention and take swift corrective action. Your cooperation in resolving this issue is greatly appreciated, and I look forward to your prompt response. 

Thank you for your understanding and assistance.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I checked XXXX price on XXXX then decided to check my coinbase account since I had not looked at it ( or maybe did a few times early on ) since I opened it 8 months previously It was locked - I could not figure out on the page how to get help to unlock it I XXXX  Coinbase login - opened a link. A Coinbase screen came up and asked me to type in the phone number connected to the account. I soon got a call from XXXX XXXX XXXX A woman with an XXXX accent led me through a series of steps to do 2 step verification of my account. Ultimately I activated the video camera to two windows on the bottom of the Coinbase screen and took a picture of my drivers license - front and back and then my own picture in another box. I could not access my account- it was still blocked. 
I spoke with her a few more times over the next few days. On XX/XX/XXXX I noticed my business bank account was low- when I checked there had been {$35000.00} deposited to Coinbase. I reported it to Coinbase and they started a fraud " investigation '' I finally accessed my Coinbase account XX/XX/XXXX and found It was emptied of {$60000.00} on XX/XX/XXXX Coinbase has been less than helpful in investigating or rectifying.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS AN ACCOUNT XXXX XXXX  ON MY CREDIT REPORT THATS NOT MINE.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 card or prepaid card

I have filed a credit card dispute with US Bank and they refuse to follow the XXXX Chargeback Guidelines in the process of my dispute. Subsequently, I have been denied due process in my claim against an auto repair company who I believe perpetrated an intentional repair upon me. 

My complaint against US Bank Credit Card US Bank has ignored my rights and due process as they relate to the XXXX Chargeback Guide as follows : 1. Closed my credit card dispute with XXXX XXXX XXXX XXXX without good cause, stating I received the services I paid for. In fact I clearly did not receive the services I paid for with the merchant which was stated in 6 pages of supporting documents that I submitted with my complaint to US Bank in accordance with the XXXX Guide Chargeback Guidelines. 

2, US Bank is now requiring me unjustly to submit a third party opinion letter before they reopen my case. According to XXXX chargeback guidelines it is at the cardholders discretion if they choose to submit a third party opinion for a charge back to be submitted. ( See XXXX Document ) US Bank has no right to request such a third party document at this stage of the credit card dispute.
Product: Debt collection

I noticed credit report said I had collection against me. I disputed and received a letter dated XX/XX/XXXX from financial assistance Inc that debt is on behalf of XXXX XXXX XXXX and to call XXXX XXXX. I called and left message and I emailed XXXX XXXX from that company to address the claim informing me that this is included in my husbands bankruptcy that has received discharge in XX/XX/XXXX. I also mentioned it is " community discharge '' granted as we are a married couple in wa state when the debts occurred. He responded with an email saying he verified the info and has canceled the account and FAI will report as canceled to credit bureaus Monday XX/XX/XXXX. XX/XX/XXXX he sent another email saying since the car loan wasn't jointly signed it is not discharged. I have had to deal with this constantly from other creditors as well so I'm familiar with how XXXX bankruptcy code works. Sorta. I have no separate property to collect from. I was unable to file jointly with my husband due to my bankruptcy from the XXXX housing crisis. Naming my debt in the community debt was approved because my bankruptcy was more than six years prior. I had 3 separate accounts through XXXX. The email from XXXX implied this was regarding the car. They repo the car during automatic stay and was forced to return it for violation. The bankruptcy attorney had to talk to XXXX attorney so there isn't a question of them not knowing about these laws. I had not heard anything since the email so I called XXXX XXXX moments ago. She wouldn't let me finish a sentence and told me that they will not talk to the bankruptcy lawyer in this case and said " I am not going to argue with u '' which clearly meant she is not willing to hear of any laws that support my claim against them. Then said good day and hung on me. XXXX XXXX complaint I did earlier with u guys I thought was resolved since I received confirming the debts were covered under community property laws and we're going to fix credit report. In XXXX they started reporting it negetively again though. My credit is worse than my husbands who actually filed bankruptcy and we feel that we haven't received any relief from filing and the fresh start we had hoped for has turned into a stressful no end battle. We have XXXX toddlers and we have to rent forever since my credit will never be as it was before he filed. I have no money for an attorney my and my husband was laid off recently for a month so I'm hoping there is something you can do to help us. The anxiety of judgments and collection agencies reporting negatively is taking its toll on my mental health. If there is a next step I can take or if we are just left with sunk cost reality of the chapter XXXX that was filed on behalf of the community property discharge we expected. They refuse to listen to anything and hang up before I can say anything. I could file this XXXX for ch XXXX myself but I don't think I could with the means test including my husbands paychecks after his raise.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus keep reporting a fraudulent address on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Student Loan on my Experian Credit Report Has is outdated and as per FCRA guideline it should have been removed of my credit in XX/XX/2021 but it is still on my credit. I have spoken to agents at Experian several times and they have been unwilling to delete this from my credit report. I have also contacted XXXX XXXX to stop reporting it to my credit report but they have also been unwilling to cooperate and are bent on continuing to violate my rights. 
As you will notice in the attached documents. XXXX XXXX willfully and intentionally reported inaccurate information about the initial date of delinquency in an attempt to circumvent the law and try to keep reporting this loan on my credit report longer than the law allows them to and this has hurt me financially for every month it was reported on my credit report beyond the 7 years the law allow it to be reported