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

On XX/XX/XXXX. I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX Subject : Dispute of Reporting Under Section 16810 for Civil Liability Dear Equifax, I am writing to formally dispute the validity of certain items on my credit report due to civil liability for negligent non-compliance as described under Section 16810. My name is XXXX XXXX XXXX, and my Social Security number is XXXX. 

Upon review of my credit report, I have identified specific account or collection item from XXXX XXXX XXXX which I believe has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding negligent non-compliance standards. 

I believe this account does not reflect accurate information, and I am requesting that you investigate this matter in accordance with your obligations under the FCRA. Kindly remove this item from my report if found non-compliant or inaccurate. 

I have attached copies of my credit report highlighting the disputed information for your review. Please provide me with a response detailing the outcome of your investigation within the statutory timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I initiated a redemption of my Gemini XXXX on XX/XX/XXXX, which is still pending. In the past, the redemptions were almost immediate. Gemini recently informed customers it would take XXXX days. It's nearly XXXX weeks, and I am still waiting, wondering if and when I will get my money. 
Allegedly Gemini updated terms and information on XX/XX/2022, to the Gemini XXXX, the same day they froze accounts. As agents, they knew about the issues well in advance and did not warn their users. As an agent for users, Gemini does not appear to act in customers ' best interest. 

Gemini Support on XXXX contacted me and said Gemini 's withdrawal management system is down. I could get an immediate withdrawal through their validator node at 'withdrawal.geminivalidator.com '. However, it did not work, and Gemini support said there could be a problem with the server and directed me to yet another site : sign-validatornode.net. That site wanted the private key to my hard wallet. When I expressed concern about divulging my private key online, Gemini support said it was 100 % secure. The problem is that I don't trust Gemini and don't know if GeminiSupport is a third-party application like Gemini XXXX. 

As an agent for users, Gemini deceived users into believing Gemini XXXX was an in-house program controlled by Gemini, so assets were secure and protected. From the beginning, Gemini as an agent for users, had a conflict of interest given their relationship with XXXX, the third party that controlled Gemini XXXX. Gemini knew XXXX 's financials were not above board and failed to warn their customers. When XXXX froze withdrawals, Gemini followed suit, freezing Gemini XXXX withdrawals, leaving its customer 's money freely accessible to XXXX. 

Gemini did not act in good faith or do due diligence as agents for its customers. Now its support team wants us to provide our private keys online to withdraw our funds when their servers are experiencing withdrawal management problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they have posted on my credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the inaccurate accounts. Plan on seeking legal counsel for your actions against me. 

Your failure to positively verify these accounts has hurt my ability to obtain credit, defamed my character, and caused damages. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. According to the Fair Credit Reporting Act, 611 ( b ) [ USC 15 1681i ( b ) ], I am entitled to enter a consumer statement in my credit report so that the information is complete and the credit reporting process is fair and equitable to me. I would like the following statement to be made a part of my permanent record so that potential future creditors will be aware of certain circumstances that caused negative credit information. 
Litigation is quite expensive and should be avoided at all costs. Should it be necessary, I would appear in propria persona [ pro per ] and file a court case in forma pauperis for free with the guidance from outside legal counsel on retainer ; however, my belief is you and your organization do not intend to pursue this matter as you have no valid legal claim or merits. The cost-to-benefit ratio is relatively low when XXXX XXXX ; therefore, this is a good-faith attempt to resolve this matter before litigation is necessary. I am willing to resolve this matter privately and civilly. Thank you for your time and attention to this matter. 
This is my third attempt to resolve this issue.
Product: Payday loan, title loan, or personal loan

Continental Loans ins XXXX TN, I never missed a payment on my installment loan and always paid through the customer portal. They reported I was over 30 days late for my XXXX payment when I have never been late, when I contacted them and explained the issue to them they claim it was for a late fee that I did not pay, I explained to her when I paid my bill on the online portal I paid the amount it stated I owed and never showed I owed a late fee on top of that they see I made regular payments on time, if this was the case why did they not call me and say you still have a balance or owe a late fee, they were even aware customers were having issues with the customer portal with the correct balance reflecting but still did not honor the error on their end and this late payment is ruining my credit. For a long time customer who always paid on time why would they ruin my credit when the error was on their part, I was advised the issue would be escalated to a supervisor and someone would call be back, I never heard back from anyone and when I called again I was just told the same thing it was escalated to a supervisor to look into the matter but still nothing. I have a record of each payment I made to them which shows I was never late. I am disappointed in how they treat good customers and the lack of accountability on their part, I will probably never do business with them again.
Product: Credit card

I have called Comenity Bank @ ( XXXX ) XXXX numerous times since I opened my account on XX/XX/XXXX about how I haven't ever been able to use my card at XXXX XXXX XXXX store or online to make any type of clothing purchase. I either get hung up on by the employee or given any unnecessary excuse to why my card isn't working properly like it should. I have requested for a new card since XX/XX/XXXX that's XXXX years and XXXX months. It has a {$500.00} spending limit on it. I haven't been able to ever use the funds on my card do to the lack of Comenity Bank not holding responsibility on their end as a business. You can see that I haven't ever been able to use the card and it shows on my credit that it hasn't ever been used because the card has never worked since day XXXX! This is unlawful. After not getting anywhere with them they CLOSEED on XX/XX/XXXX after ignoring me for XXXX years and XXXX month of calling and speaking to so many different people. I called this morning and spoke with a male that was extremely disrespectful and he hung up on me. I called back after being hung up on and spoke with a female employee that was very respectful and she stated that there wasn't anything that she could do on her end, she stated I would have to reapply and to contact the CFPB about this matter so I need help about this situation. I did everything correct on my end by calling over and over and over again trying to get a new card that worked. Now my account is closed I am very upset about this situation and this business. I have some of the names of people I have spoke with in the past as well.
Product: Debt collection

For 4 years, I have tried to resolve this issue. In XXXX, I spoke with an account representative at IQ Data named XXXX XXXX, who began yelling at me over the phone as to why I could not afford to pay the account. He told me he does not care about any of my reasons and he will make sure I can never own a home, demanding I pay or there will be consequences. He would talk over me and not listen to anything I had to say. 

I hung up the phone and called the main line at IQ Data where I explained the situation. The lady on the phone said that XXXX 's behavior was inappropriate and they were transferring my account to another agent. She assured me " you will never have to speak with XXXX XXXX again as we do not handle business in that manner and I apologize for the treatment. '' Two years later, I called again to resolve the account and they told me " XXXX XXXX has since been promoted to manager and will be handling your account-you can only speak to him. '' That time on the phone, XXXX said he didn't recall how he spoke with me last time and so he refuses to move my account to someone else. I attempted to pay the original balance and he said I need to pay him an additional {$600.00} of an illegitimate debt. 

Please see attached supporting documents of correspondence. I drafted a letter to this agency outlining timeline of events and why this debt is illegitimate. I did not receive a response. I also included information from Data IQ attached.
Product: Vehicle loan or lease

Unable to come to an agreement on interest rates on used car loan when my credit was good. Now Im behind on payments and my credit got worse I e been upside down on this loan with no recourse.
Product: Debt collection

This company have been contacted previously about their violations. I received an apology letter, but the faulty reporting to my credit continued. Not only did the reporting continue they have more accounts in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I spoke with someone transferred twice, The call was then dropped wrote a couple e-mails. 

I explained that I havent opened any kind of account in more than XXXX years as well I told them the dates were wrong, I just started going over credit reports and you have put different dates on them. 

No reply originally date was XX/XX/XXXX the same debt now showing an open date of XX/XX/XXXX
Product: Credit card

On XXXX/XXXX/16, I had attempted to use my credit card at the gas station and also for a taxi, however, all attempts were rejected. I called into Chase asking why my transactions were being declined and they had informed me that all my accounts had been closed ( Checking, savings, credit card, business accounts ) On XXXX/XXXX/16, I had called Chase to inquire why my accounts had been closed and was informed that it was due to " unusual activity ''. I tried to inquire further on what the activity was, but was not given a chance to find out and the rep had mentioned that " Chase had decided to end the relationship '' with no further explanation and that I had to close all credit cards and withdraw all money from bank accounts within 30 days. I had received a letter in the following week stating the same instructions. 

On XXXX/XXXX/16, I had gone into a Chase bank branch and followed instructions to withdraw my cash from my checking/savings account, and inquired of the manager at the branch why my accounts were closed. He looked into my accounts and informed me that he could not identify any " unusual '' activity and did not understand why my accounts were being closed. I inquired if I could appeal the process, and was not given any further information. 

Without understanding what the action was which lead to all my accounts being closed and without any chance to appeal, I feel discriminated against and that this practice is deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of XXXX student loan accounts by Experian and XXXX. Despite my request for verification, neither bureau has provided documentation to substantiate their claims, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are as follows : US DEPT ED ( Account Number : XXXX ) ** with a reported balance of {$23000.00}.

US DEPT ED ( Account Number : XXXX ) ** with a reported balance of {$12000.00}. 
Both accounts are being erroneously reported as open and carrying balances, despite documentation I have attached showing a {$0.00} balance for both. Additionally, you are falsely reporting that these accounts were in collections, which is untrue. This inaccurate reporting is harmful and illegal. 

I am demanding that these accounts be immediately updated to reflect the correct status : paid as agreed, never late, and with a {$0.00} balance. XXXX has already removed this inaccurate information due to a pending lawsuit, and Experian is also under fire in a separate CFPB lawsuit for failing to properly investigate or remove errors from consumer reports. 

If Experian and XXXX fail to update this information within 30 days, I will pursue legal action for noncompliance with federal law. I have attached supporting documents that clearly show the inaccuracies and proof of the correct account balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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
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 Experian 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 : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. 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 : Payment Date Error : My payments for XXXX and XX/XX/XXXX were made on time. I have provided bank statements and payment confirmation receipts which clearly show that the payment was processed before the due date, but the creditor erroneously marked it as late. 
Technical System Failure : Upon reviewing my account activity, I identified that there was a technical issue with XXXX  XXXX 's payment processing system during that period. This error delayed the application of my payment, though it was sent on time, as confirmed by the confirmation number I received after submitting the payment. 
Clerical Mistake by the Creditor : In addition, it seems that XXXX XXXX applied my payments to the wrong account, causing a delay in crediting my account on time. I have documentation showing that this mistake was recognized internally by XXXX XXXX customer service. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 or other personal consumer reports

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month.this is an update in the payment history.A charged off account should not include an active payment history.This inaccurate information falsely manipulates the statue of XXXXimitations.You failed to investigate this account properly and your neglect has violated my rights.I 'm demanding a deletion of the following accounts : XXXX account number XXXX XXXX account number XXXXXXXX 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

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 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: Student loan

My loan with Navient was temporarily lowered for six months after Navient reported it on my credit report and my mom credit report. The six months have expired but now I am in school and Navient is unwilling to delay the payments until I complete my degree.I Ishould be finished in approximately two years but they explained I only have 1 month available to use for deferment I started back to school this Fall. I alstro have a toddler, mortgage and car payments along with other miscellaneous bills to pay including my current school payment to attend XXXX.
Product: Debt collection

United Revenue Corp has not provided me with a HIPPA release. A bill is not validation. The bills speak of insurance agencies I have no affiliation with. Reporting XXXX invalid accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$160.00} -This is not my account.
Product: Checking or savings account

A deposit of {$1600.00} was made to my savings ending XXXX on XX/XX/2022 and I have elderly members living in the house. When I went to pay the mortgage I could not as NFCU stole {$1400.00} out of my account on XX/XX/2022. First, {$2000.00} was stolen out of my account by NFCU and now {$1400.00} was stolen out of my account by NFCU preventing me from being able to make my mortgage payment. NFCU said their collections department stole the money out of my account. I am going to lose my house as this is the second month that I have not been able to make a mortgage payment to my VA loan because NFCU keep stealing my money. I am trying to use the money in my checking from my 100 % XXXX  Veteran Benefit to pay my closing cost and I need {$6500.00} dollars to close escrow however NFCU keeps stealing money out of my accounts. I am in a life-threatening situation and my children and I have two weeks to secure housing by XX/XX/2022. NFCU knows I am trying to move and secure housing. Stealing money out of my accounts helps these criminals that have been targeting me for several months and puts me and my children in a debt bondage/sex trafficking serious situation. NFCU is placing me and my children 's lives in danger. If my children and I end up dead or in human trafficking it is blood on NFCU 's hands.