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

Not too long ago, I obtained a copy of my credit report and was shocked to find unauthorized credit inquiry reporting on my credit report. I have reached out to the company to remove the credit file. Under the fair credit reporting act the violation of my rights, which is illegal and causing severe damage to my credit report.
Product: Money transfer, virtual currency, or money service

This complaint is in reference to a prior complaint filed with the CFPB ( XXXX ). I believe this complaint was closed prematurely as the company response included inaccurate information. In the response, the Gemini representative stated that I purchased several crypto currencies and was seeking to have them returned. This is incorrect. Again, I did not hold any crypto currencies in my Gemini account. I held only US dollars. Someone hacked into my account, stole my US dollars, used your platform to buy crypto currencies and then took them off your platform. I have reviewed Gemini 's FDIC insurance sections of their user agreement and still believe my funds should be covered via pass-through insurance. I have submitted multiple complaints via the Gemini website but have not received any communications on the matter from those submissions in months. I have attached my initial complaint and the Gemini response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized Inquiries under 15 U.S.C. 1681b To whom it may concern : I am writing to formally request the removal of unauthorized inquiries that appear on my credit report managed by Experian. After carefully reviewing my credit report, I have identified inquiries that were made without my explicit consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b.

Pursuant to the provisions of the FCRA, a consumer reporting agency may only furnish a credit report under specific circumstances, such as when a creditor has a permissible purpose to access my report. I believe that some of the inquiries listed on my report do not meet these criteria. 

I respectfully request the following : A thorough investigation into the listed inquiries to determine whether they were authorized by me or made with a permissible purpose.

Immediate removal of any unauthorized or impermissible inquiries from my credit report if they are found to lack proper authorization.

Written confirmation of the results of your investigation and any actions taken as a result of this request.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to facilitate your verification process. 

I trust that Experian will handle this matter in compliance with applicable federal laws to ensure the accuracy and integrity of my credit report. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) This section of the Fair Credit Reporting Act outlines the permissible purposes for which a consumer reporting agency may provide a consumer report. These purposes include : In response to a court order or subpoena. 

For use in connection with a credit transaction initiated by the consumer. 

For employment purposes, with the consumer 's written consent. 

For insurance underwriting purposes. 

Any inquiry made outside of these permissible purposes constitutes a violation of the FCRA and must be removed from the consumer 's credit report if challenged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XX/XX/year> {$470.00} XXXX XXXX XXXX Opened XX/XX/year> {$1600.00} My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions
Product: Checking or savings account

Dear Sir or Madam, Re : Request for Removal of Consumer Report and Reopening of Bank Account I am writing to formally request the removal of a consumer report and the reopening of my bank account with Bank of America. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines, which ensure the accuracy and fairness of credit reporting. 

On XX/XX/XXXX, I deposited a check for {$1100.00}, given to me by an individual who owed me money. On XX/XX/XXXX, Bank of America flagged this check due to an irregular signature and subsequently closed my bank account. I was unaware of any issues with the check 's signature at the time of deposit. 

I would like to highlight the following points to support my request : Lack of Involvement in Fraudulent Activity : I had no involvement with the fraudulent check and was unaware of the irregular signature. I have never engaged in fraudulent activities or had any records of fraud, late payments, collections, or any other financial discrepancies. 

Exemplary Financial History : I am a responsible businessman with a credit score exceeding XXXX. I pay my taxes regularly and have maintained a personal Bank of America credit card account since XXXX without any payment issues. 

Premature Account Closure : I believe that Bank of America 's decision to close my account was premature and not based on sufficient cause. Under the FCRA, I am entitled to a fair and accurate investigation of any negative information that impacts my financial standing. 

Impact on Current Financial Endeavors : I am currently in the process of purchasing my first property in XXXX XXXX  XXXX. After extensive research, I have found Bank of America 's mortgage options to be the most appealing. Reopening my bank account with Bank of America is crucial for my financial planning and property purchase. 

I respectfully request the following actions : XXXX ) The removal of the consumer report related to the XX/XX/XXXX incident. 
XXXX ) The reopening of my bank account with Bank of America. 

Please find my contact information below for any further inquiries or documentation required to process this request : Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Email : XXXX I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your consideration. 

Respectfully, XXXX XXXX XXXX last name BADIHI
Product: Debt collection

Today, XXXX XXXX, my daughter 's grandmother, text me and told me that a process server, came to her house, where I do not live, and served papers that were meant for me. He didn't ask if she was me and just handed her the envelope. I had to drive up to her house to see it. I have no idea how they obtained her address. I do not reside there. And wasn't asked any questions. So they showed up at family 's homes, and dumped a lawsuit on them for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax for a item that was incorrect and open and after the dispute they had closed my account without my consent and i would like for it to be reverse back open with no late payments. I sent the same complaint to XXXX  and they re-open the account.I dont know if it closed on XXXX  either
Product: Credit card

My Ex opened multiple credit cards using my info without my knowledge 

Account info
Account name
COMENITYCB/XXXX
Account number
XXXX
Account type
Charge Card
Responsibility
Individual
Date opened XXXX  Status
Closed. XXXX written off.
Status updated
XXXX XXXX  Balance
XXXX  Balance updated XXXX
Recent payment
-
Monthly payment
XXXX  Credit limit
XXXX
Highest balance
XXXX  Terms
-
Product: Debt collection

I had an Amazon store credit card wit Synchrony bank and I had the feature of auto pay active. I always received notification of the payment posted and nothing else. My balance was of {$950.00} as of XX/XX/2021 and no late payments to my knowledge. Without prior notifications or calls I received an alert on XXXX  XXXX  that my credit dropped 55 points due to closure of my Amazon store card. I called the bank and they refused to help even after I paid the balance in full, the account is currently closed and still affecting my credit. My current position in the XXXX requires a security clearance and good credit, I'm in danger of losing both.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  keeps reporting the incorrect balance on my account adding and removing comments to my report as a result my score has suffered a XXXX point decrease. My account was brought current in XXXX my past due balances were paid to a XXXX balance and i have not had a late payment since. So why is my balance increasing? I also requested documents by mail and have not received any proof of account transactions, when i log in online i do not even have access to my balances or payment history. i called today because their business hours states weekends XXXX and they are not taking calls.i have tried to rectify this multiple times with no success.
Product: Payday loan, title loan, or personal loan

XXXX at Tower loan keeps calling and harassing my husband everyday at work about this loan We have had XXXX  XXXX times so we went in freedom debt to pay them but they refuse too. They need to quit harassing my husband at work the company is Tower Loan XXXX XXXX XXXX  XXXX IS XXXX
Product: Consumer Loan

I had a car loan with Kia Motors Finance. My car was hit XXXX while the car was parked. My insurance company paid off the loan but paid more than the balance of the loan and Kia Motors Finance refuses to return the balance. Although this is a small amount, I believe this occurs to many many people and we have no other recourse. It is impossible to get a live person to speak to on the phone and the XXXX letters I have sent have resulted in no response.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting XXXX XXXX XXXX XXXX XXXX XXXX which is a collection account. I never did business with this company this account is fraudulently Please remove this account immediately THE FTC REPORT NUMBER IS ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In the first dispute letter I sent to Equifax I stated : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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. 

Equifax never validated the debt, now they're saying they will not be conducting further investigation into this particular account at this time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

In XX/XX/XXXX, I noticed that Cash App had withdrawn money from my account without my authorization. At first, I thought it was a mistake, but then it happened again twice in XXXX, leaving me in financial distress. There were days when I couldnt even put gas in my car, making it hard to get to work and handle daily responsibilities. The unexpected deductions caused stress and frustration, especially when I couldnt get immediate answers or refunds. Despite reaching out to customer support, resolving the issue was a struggle, adding to the emotional and financial toll.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bringing suit against XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX to recover damages stemming from violations of UDAAP. 
XXXX ID : XXXX issued XX/XX/XXXX This is the fifth time XXXX has deceptively reported a current loan as past due greater than 30 days and over 60 days that was current. They have done this five times in the last 9 months. XXXX is fraudulently reporting this loan as charged off and owing {$860.00}. However I received written communication dated XX/XX/XXXX that the amount they're claiming owed is {$420.00} by XX/XX/XXXX. I have written XXXX and dispute the validity of this debt and ask for full explanation and have not received a response or acknowledgement by XXXXof Texas. However, I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loans. Loan ID are XXXX XXXX XXXX XXXX ID : XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX paid in full XX/XX/XXXX ) and XXXX ( issued XX/XX/XXXX paid in full XX/XX/XXXX ). This has caused me irreparable financial harm with far reaching consequences preventing me from getting approved for housing. I am seeking full monetary relief due to significant drops in my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting as 90 days past due and has never been past due income base repayment plan at XXXX
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. 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. 

My identity ( including but not limited to : my name, address, passwords, and SSN ) were allegedly leaked in a data leak on the dark web according to XXXX and XXXX.
Product: Mortgage

We did a Modifacation with Wells Fargo Mortgage They want {$2500.00} a month for at least 6 months to get caught up on payments, We said that was way to much, We offered {$1600.00} but they do n't respond they plan on foreclosing this month if we do n't Pay {$2500.00} we have contacted many Gov .websites they said to contact you? Thank You XXXX XXXX .. Ph. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights ,15 u.s.c 1681 section 602 A. States I have the right to privacy., 15 U.S.C1681 Section604 A Section 2 .it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax under the Fair Credit Reporting Act I am intialed to the documents your client Department of EducationXXXX sent in to open the over {$80000.00} XXXX loan account in my identity. I have been requesting the documents but no CRA have responded yet. Send the documents immediately as required by law. If you can not submit the documents state why? XXXX I was pre-apporved for a personal loan. XXXX against my permission you wrote to the loan company that my debt ratio was to high. XXXX why did tell the loan company this when I was just in the pre-approval process. I had not submitted for a hard pull of my credit report. XXXX you have blocked me from seeing my credit report and filing disputes, I can not see in the account. because you are a partner with XXXX by writing me and saying your going to send my case to an outside agencies. XXXX tell what gives you the authority to keep damaging my credit report and scores. I will see all CRA in court soon. CRA XXXX has no authority to rule on any student loan in my identitication. The real U.S. Department of Education General Counselor had ruled XX/XX/XXXX, Defaulted/Unresolved for FRAUD this mean no student loan servicer to touch this account, no servicing fees will be paid for this accountXXXX  was not suppose to be in custody of the fraudulent loan. XXXX was not to collect servicing fees on the fraudulent loan XXXX can not make any decsion on this student fraudulent loan. XXXX XXXX can present their evidence in court. XXXX stop me from buying a house. The CRA stop me from buying a house. CRA send the XXXX XXXX documents. I will see XXXX and the CRA in court soon for damaging my credits and scores CRA YOU BLOCK ME FROM BUYING A HOUSE XXXX  CAN NOT MAKE ANY DECISION ON THIS FRAUDULENT ACCOUNT. THAT WAS TERMINATED XX/XX/XXXX.
Product: Debt collection

They claim that I have a XXXX  account 7 years ago and they forward it to collection recently in the amount of {$1400.00} and its southwest credit system, I did contact them trying to explain that this is not my account and they didnt care also I contacted XXXX  and they researched and didnt find an account under my name this is a complete false reporting and I need your help to fix it plz I am trying to buy a house and this is effecting me a lot
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX Northwest XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance is incorrectly reporting me as late from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. I have sent documentation from my bank which clearly faults a third party for the issue but Capital One Auto Finance refuses to correct their reporting as required under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, 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.1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- --. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 with antedates the report by more than seven years.15U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.