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 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 XXXX ; It also states a consumer reporting agency can not furnish a account without my written instructions.
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 Account NumberXXXX has violated my rights. Or a list of inquiries

: 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccura
te.
Product: Money transfer, virtual currency, or money service

Iam an individual of XXXX  descent and have been using PayPal for quite a while now, on XX/XX/2020 my account unfortunately got permanently limited due to issues I'm not familiar with and neither were they explained to me in detail as to why it happened, on the other hand, I read that this sometimes happens with PayPal accounts if you log into your account with a different gadget be it a phone, tablet or desktop it happens and on this day it happened to me. The account was more than a year old and no fraudulent transactions were associated with it.Whenever I'd try to reach PayPal I'd get an automated message from them which really doesn't assist me on how to get the money back from the account which is why I'm coming to you now .... I learnt that this website, consumer finance.gov can assist citizens and non citizens of the United States in such a case and also because PayPal is a company governed by laws of the United States, which is why Im Writting to you and making this complaint, also I have no other way to reach PayPal as via phone calls is also not so swift. I would highly appreciate it as the money in the account is about 500 usd which is quite alot in my country and it would greatly assist me especially now that I need it to take my girlfriend to hospital for check up, she's now XXXX XXXX XXXX  please see if there's something that can be done for me to atleast get the money from my account, no complaints or whatsoever are associated with the account, it's an individual account and not a business account the money I received was purely for personal reasons which is why I have to ask for an appeal and also because I brought up a complaint about the same but wasn't really fairly looked upon I hope you will put more consideration into this. Thank you for your time.Also, I'd like to point out that the email address I have used below for the updates you'll send me is for my PayPal account as well and that it belongs to me personally and in no circumstance am I doing this for anybody else but myself entirely!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report and goin over the Fair Credit Reporting act I've noticed the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

It would be much appreciated if this could be resolved soon for all these inaccuracies are stopping me from every day expenses and providing for my family like buying a house ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

I have reported this as identity report.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

Today date XX/XX/year> Account name : lvnv funding To Whom It May Concern : This letter is in reference to { account number XXXX ) that your company is currently reporting to the credit bureaus under my name. The account is being reported to have a derogatory rating which is extremely troubling to me. This negative rating has caused me some serious financial distress and will continue to cause me financial and emotional distress until it is resolved. In researching my legal rights, I have found several items that I understand I am entitled to under these circumstances. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand an information request. I understand that The Fair Credit Billing Act ( FCBA ) requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. I request, under the FCBA, that you include all of the following for my reference and research into this matter : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me ( you do take these precautions correct? ). 3. An itemized statement breaking down the balance you claim I owe. 4. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance with the FCBA. If you can not provide this requested correspondence, then please delete the negative marks you have reported to the three consumer reporting agencies about me within the timely manner prescribed by law. Your prompt attention to this matter will be greatly appreciated. Sincerely, XXXX XXXX
Product: Debt collection

So a company name XXXX XXXX called me and stated they are calling for a debt collection from cash store payday loan from 2010 in the amount of {$160.00}, but with interest and fees its totaling almost {$800.00} and an additional {$2500.00} in attorney fees. They threatened to take me out to court to collect on a 10 year old debt I dont even know existed. No letters in the mail from them nothing!! Just a threatening calls with heaped fees. They also threatened to put a lien on my car ... For over a mere alleged {$160.00} from 10 years ago. I asked the caller to send me the court summons and I will forward to my attorney.
Product: Credit reporting or other personal consumer reports

I can not accept the presence of public records on my credit report. It is causing significant XXXXXXXX and distress, and I implore you to remove them without delay.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX ( XXXX )
Product: Credit card

This complaint involves more than the original credit card company. 
I had credit life/XXXX insurance on this credit card, as I was XXXX. 
On XXXX XXXX, XXXX, I was XXXX. 
I contacted credit card company shortly after my diagnosis, due to a need for the credit life/XXXX insurance to go into effect. 
Upon receiving the necessary documentation for the insurance company, my physician filled out the documentation and sent it to the insurance company. Once the insurance went into effect, the credit card company did not bill the insurance company until after the due dates of monthly payments therefore, late fees were attached and interest rate skyrocketed. I tried many times to resolve the matter with both the credit card company and the insurance company by telephone, but each blamed the other for the misgivings on the account. When I asked for a manager from the credit card company to call me, in an effort to resolve issues with the account, I never received communication from a representative who could correct the misgivings with the account. 
The account was sold to a debt collecting company on XXXX XXXX, XXXX, who not only harassed me by phone, but who also sent a private investigator to my home on several occasions, who left notes in my mailbox, and would pound on the doors to my home. 
I acquired an attorney who represented me in the matter, the case was dismissed in court without prejudice, on XXXX XXXX, XXXX, but the debt collecting company has out sourced collection to another agency. The original debt collecting company continues to report this as an open account to credit bureaus.
Product: Debt collection

In XXXX of XXXX I was informed by Navy Federal that I had to contact XXXX XXXX  XXXX XXXX regarding credit card debt. In XXXX I requested proof of debt. In XXXX of XXXX XXXX XXXX  XXXX XXXX sent me a pack of blank papers which was not proof of debt. On XX/XX/XXXX I received proof of debt. On XXXX XXXX. I was served papers being informed that I was being sued. I contacted XXXX XXXX  XXXX and inquired about the civil suit stating that I didnt receive proof of debt until XX/XX/XXXX, and by law I had 30 days to dispute debt. A representative at XXXX XXXX  XXXX informed me that they submitted the suit on XX/XX/XXXX XXXX days prior to sending me adequate proof of debt. The representative stated that they sent me proof of debt on XX/XX/XXXX, and I informed them I was not sent proof of debt thats why they sent it again on XX/XX/XXXX. The representative stated she did see where proof debt was sent on XX/XX/XXXX and XX/XX/XXXX but she was unsure why. I have not heard back from XXXX XXXX  XXXX XXXX since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to purchase tickets from someone via XXXX. They insisted we use XXXX  for the transfer of $XXXX. However, after sending them the cash via XXXX (connected to my Bank of America account), they sent me fake tickets. I contacted my bank in order to report the scam and they informed me that the only thing they can do is ask the "seller" to return the money. There is no fraud or scam protection for consumers, despite the service being offered and advertised by my bank. They said looking into the issue could take 45 days. While this is likely not the worst of these cases, it's frustrating to now read that this type of fraud happens via XXXX all the time. Consumers should be informed that they are not protected by their bank's endorsed services.Thank you!
Product: Credit card

I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Collection company did a negative report to my credit score which it makes it drop down, but after I spoke to them instead of helping they refused to send a report of when the account was open and not able to help, and since XXXX is a new month they made another negative report by adding {$5.00} dollars more to the standing balance, which I think is NOT legal, besides that they keep threading me with text and being very unprofesional. 

Name of the collection agency is : Zion Debt Holdings
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I contacted someone on XXXX who said that they would sell me concert tickets. I wanted to pay for a ticket 1 at a time so we came to the agreement that after I paid, the person would send the ticket. Immediately after, they said that there was and error that would not allow them to send transfer the ticket and said they could only send two tickets but demanded that I pay the remaining balance. The person refused to send me any proof that they were unable to transfer the ticket so that's when I knew I got scammed. 

The money was sent through XXXX and the tickets were supposed to be transferred through ticketmaster
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. ALSO SOME OLD ACCOUNTS CAME BACK ON THE REPORT AFTER A YEAR THAT IS FRAUDULENT I HAVE NO PROOF OF WRITTEN CONSENT THAT THE CREDIT BELONGS TO ME : I WILL SUE COMPANIES FOR ILLEGAL ACT! 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

XXXX USC XXXX Section XXXX States I have the right to privacy. 

XXXX USC XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX USC XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

In the morning i woke up founding some purchases in XXXX  XXXX XXXX XXXX, three purchases in amount over XXXX while i am in XXXX i dont have any account for them and i request them to return my money back. All my card is secured and no one can access them i need your help
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, a cryptocurrency investor of Coinbase. I invested XXXX trade through the platform. When I was ready to withdraw my funds on XX/XX/XXXX, the XXXX XXXX dealers came up with multiple reasons to decline my withdraw of {$440000.00}. This resulted in a huge financial loss. Coinbase is a publicly-traded company in the United States that permitted XXXX XXXX trade, so they should be responsible for accurate verification of the XXXX trade on XXXX. As Ive trusted Coinbase - investing all my life savings, now XXXX on Coinbase refused to withdraw my funds according to the rules, so I request Coinbase leadership to return my funds of {$440000.00} ( see attachment for the transaction details ). 

Coinbase has a major flaw, enabling fraudsters to abuse its platform. Coinbase gave no warning or effort to stop a transaction to a flagged-for-fraud wallet ; In no time the money is transferred into a wallet reported several times for fraud. Coinbase also doesn't verify me or the receiver of the transaction. This incident has caused my family and I huge financial loss and major physiological impact - resulting in a XXXX on my end. I reserve the right of further accountably of Coinbase on my financial loss and phycological agony. 

I believe that my case is not the first of its kind and will not be the last. 
The following is my record tract of investment on Coinbase, so you can investigate : 1. XX/XX/XXXX, I downloaded the Coinbase app on the XXXX XXXX and registered for an account with phone, email, and driver 's license. 
2. XX/XX/XXXX XX/XX/XXXX, I transferred 11 times totaling {$440000.00} dollars from my XXXX XXXX XXXX bank account into Coinbase purchasing BTC. 
3. I purchased XXXX XXXX trade on the Coinbase platform, funds were transferred from the Coinbase wallet into XXXX platform for a XXXX trade. 
4. XX/XX/XXXX I initiated withdrawal from XXXX platform to Coinbase for selling ( at that time my assets were at {>= $1,000,000} ( RMB ), XXXX online customer service refused my withdraw ( see attachment XXXX Platform ). 
5. This is when I discovered the XXXX platform provided by Coinbase platform is a scam because the legit platforms do not ask for assurance funds. Records are provided in attachments, please see attachments.
Product: Mortgage

On XX/XX/XXXX I wrote to Nationstar ( dba Mr. Cooper ) asking to have the PMI removed from our mortgage as we easily exceeded the home equity threshold for doing so. 

On XX/XX/XXXX I received an acknowledgment of the request and that someone would respond within 5-7 days. 

On XX/XX/XXXX I submitted a follow-up and said I'd still not heard from them. 

On XX/XX/XXXX I submitted a third message saying I'd still not heard from them, and they responded by saying that " We've received your request to remove PMI on XXXX XXXX, XX/XX/XXXXand will respond in 5-7 business days ''. This is obviously untrue, as the request was made nearly two months ago I didn't choose Nationstar/Mr Cooper as my mortgage servicer, and their performance here indicates they're in no hurry to actually provide service to their captive clients. Can someone please compel them to do what they should have done nearly a month ago?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to file a formal complaint against all three major credit reporting agencies ( CRAs ) - Experian, TransUnion, and Equifax - for their failure to conduct reasonable investigations of my disputes as required by the Fair Credit Reporting Act ( FCRA ).

Legal Basis for Complaint : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to : Conduct a reasonable investigation of disputed information Review and consider all relevant information submitted by the consumer Complete the investigation within 30 days Provide written results of the investigation to the consumer Specific Violations : The credit bureaus have failed to meet these obligations in the following ways : They did not conduct meaningful investigations of my disputes, instead merely parroting back information from the furnishers without independent verification They failed to consider the supporting documentation I provided with my disputes They continued to report inaccurate information even after being presented with evidence of its inaccuracy Financial Impact : Due to their failure to properly investigate and correct the inaccurate information, I have suffered significant financial harm : Denial of credit opportunities Higher interest rates on existing accounts Difficulty obtaining housing/employment Emotional distress from dealing with persistent inaccuracies Requested Resolution : I request that the CFPB : Investigate the credit bureaus ' dispute investigation practices Require them to conduct proper investigations of my disputes as required by law Hold them accountable for violations of the FCRA Require them to implement better dispute investigation procedures Provide appropriate monetary compensation for the financial harm caused I have maintained detailed records of all my disputes and the bureaus ' responses, which I can provide upon request. Under the FCRA, I am entitled to accurate credit reporting and proper investigation of my disputes. The credit bureaus ' failure to fulfill their legal obligations has caused me significant harm that needs to be addressed. 
Thank you for your attention to this matter. I look forward to your response.