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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXXXXXX 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

on ( XX/XX/ ) .the consumer fowarded experian an Notice letter to remove accounts 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 These accounts displayed transactions and experiences between the consumer and the persons of which made the reports before Experian that are required to be excluded from the consumers consumer report that Experian has placed within the consumers report that is required to be excluded.therefrom15 U.S. Code 1681a 2 ( i ).
Product: Credit card

I provided all this information in previous complaints. 

XXXX XXXX XXXX XXXX is a scam. 

I was sold a 'five-year ' policy that I initially rejected. Still, XXXX, on XX/XX/2022 described and showed on a different website that it would apply to my situation ( I am a XXXX XXXX, so most of the provisions did not apply to me ). After reading these fake provisions, I made a purchase of a single policy, which XXXX XXXX XXXX XXXX charged in 2 segments, as XXXX called back and offered to move the 3-year policy to 5 years for an additional {$410.00}. 

When I tried to place a claim for my water heater, they provided a contractor, however, it took the contractor 6 weeks to tell me they would not work with XXXX XXXX because they would not pay them and they would only cover {$500.00} ... but most likely would deny it, as he saw it many times. I called the company with my experiences during these 6 weeks and after, and they showed me the real policy and confirmed what XXXX ( the XXXX ) told me. I told them what XXXX sold me, and they denied it. 

I then asked for a full refund ; they denied it. I asked for a new contractor, as well as submitted 4 new requests for leaks ( which they denied in 30 minutes ). 

I then filed with Bank of America ; this is supposed to be covered as fraud and a breach. It is different than a physical purchase, as this is a 5-year contract and I might not find out the real XXXX XXXX XXXX  until and only if I file a claim. 

Bank of America awarded me {$410.00}, however, XXXX XXXX has not refunded any $ per this date and they have eliminated my account no longer have access to it. 

As they defrauded me with their sales, did not provide service, and will not provide access or service, I require a full refund of {$1100.00} for the contract that was sold fraudulently and they are in breach. 

They never set foot on my property and never provided any service to me ; they are not out of any money ... and per the thousands of consumer complaints, this is the norm for XXXX XXXX XXXX XXXX. 

Bank of America has been lethargic at best ; their 'Special Resolution ' liaison will not talk with me ; I have heard from her less than 3 times in the past 6 months and over XXXX emails, voicemails, and faxes showing the evidence. 

I need help! This should be easy to resolve ; it is why I have a credit card. I need protection from bad actors... I have been a Bank of America executive and client for nearly 20 years.
Product: Money transfer, virtual currency, or money service

on Sunday XX/XX/2021 i used my mobile phone to check my Coin base crypto currency account and it showed me a balance of XXXX Cent previously on the same dat XX/XX/2021 my account balance was XXXX i did not sell any of my currencies because i was holding them for long term investments. After contacting coin base i was informed that i needed to perform a 2 step verification process in which i log in and put a 6 digit code i receive from XXXX in order to upload my photo identification front and back then i would have to use my web camera on my computer to take a selfie well it lets me upload the front and back of my drivers license but when try to take the selfie with my web camera the page disappear and another page appear stating that my identity can not be verified although i have uploaded my drivers license front and back i only have one last step to complete but can not due to the web camera issue. previously when i signed up for the account and was approved i used my mobile phone but coin base does not allow you to go thru that process. it is very hurtful to know you invested to make money and not know what happen to that investment. i think Coin Base is using the money as personal investments because when i purchased $ XXXX it was valued at {$3100.00} and in 1 week its value is over {$4000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. As a recent victim of identity theft due to a data breach, these accounts and inquiries are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that such inaccurate or fraudulent information be removed from my credit file. 
Account to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date : XX/XX/XXXX
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 {$31000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$31000.00} -This is not my account.
Product: Debt collection

XX/XX/2019 {$6200.00} including the post-judgement interest {$110.00} They sent me a letter saying the amount due on the day I pay may be greater. 
I saw the plaintiff name is " XXXX XXXX XXXX XXXX. '' I have never owned anything from the original creditor ( XXXX XXXX XXXX ). 
I searched and found out these company have same issues as mine. 
I can not understand why these scammers can keep their business.
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 name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Product: Checking or savings account

I got charged a {$25.00} " inactivity fee '' for my Sofi invest account. I contacted your support team and they were unhelpful, claiming they sent an email that if I didn't log in to the platform that I would get charged this fee. 

For what it's worth, I didn't even see the email come through. And this is a ridiculous fee to have. Getting penalized for NOT logging in? 

Please reverse this. 

This is for my XXXX INVEST account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy in 2012 ... It was to be removed in 7 years per the judge. Well its still on my report///9 years later???
Product: Credit reporting or other personal consumer reports

XXXX XXXX has charged off account ending # XXXX XXXX XXXX XXXX Charge-off. Write off of a debt and termination of servicing activity without release of liability. Internal Revenue Code states charge offs are reported as income to the principle, and is a cancellation of debt. This account is reporting as a debt when the debt has been written off. 

15 USC 1681 " 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 '' XXXX and XXXX have not complied with the opt out requests. 

12 CFR 1016.7 " A consumer may exercise the right to opt out at any time '' I have requested from XXXX and XXXX and EQUIFAX to opt out of that reporting nor was I given the proper disclosures to opt out. They are violating my rights by denial of opt out and non disclosure of opt out. 

XXXX the financial institution and EQUIFAX and XXXX, any and all consent, whethere non-verbal or verbal, written or implied or otherwise is revoked.
Product: Vehicle loan or lease

This SANTANDER CONSUMER USA XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

SANTANDER CONSUMER USA XXXX
Product: Credit reporting or other personal consumer reports

I want to dispute fraudulent accounts on my consumer report that you have failed to delete. I request an reinvestigation and permanent removal of the inaccurate accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified. 

Immediately remove these inaccurate accounts from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter of a alleged collection of a debt I did not own nor authorize, nor sign any documentation hereto ... Convergent Outsourcing INc, contacted me in representation of XXXX XXXX another 3rd party collection company, that purchased from XXXX XXXX XXXX XXXX ... in representation of XXXX that discharged and charge off of a account I did not authorize, nor owe ... complete fraud on their parts.
Product: Debt collection

This company claim to have bought the debt from another auto company. The are refusing to provide validation letters. I have requested over 5 times and sent a certified letter. They continue to call and request payment and every call i request for validation. They have now posted to the credit bureaus with no proof of owed debt. The information as date and amount due is incorrect. The debt was also apart of a bankruptcy. This company is a debt collector and are posted on my credit as a open auto loan they are not a financial agency.
Product: Debt collection

I sent a letter disputing the debt and asking for all documents for a creditor/devt collection declaration including but not limited to : Agreement with their client that grants them the authority collect on the debt Agreement that bears the signature of the alleged debtor wherein he/she agrees to pay the creditor Any insurance claims made by any creditor regarding this account Name and address of the alleged creditor Alleged account number Address on file for the alleged debtor Amount of alleged debt Complete accounting of alleged debt A certified letter was sent to the creditor advising they had 30 days to send me all information requested. They failed to do so! The letter was sent XX/XX/year> and signed for on XX/XX/year>. I am unable to make out the name of the person who signed the certified letter as they didn't write the name but rather signed the field as well I found out about this alleged debt by receiving a notification that the alleged debt was put on my credit report as a collection. I didn't receive a single phone call or letter regarding the alleged debtor Amount.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I had cancelled my car insurance and I was facing hardships at the time so it went to a collections agency on XX/XX/2021. I had settled with the creditor on an amount lesser than I owed. I have called the car insurance company and the debt collector and they both claim that the account is closed. However that is not what my credit report shows and it is negatively impacting my credit score. I have called the debt collector and explained that it shows a balance of {$0.00} dollars, but the account is showing open on my credit report. I have asked as a XXXX time forgiveness if they would mark it as paid in full as I had asked that when I originally settled the first time and it was not done. The creditor that I spoke to was very rude and would not do anything for me. This has been on my report inaccurately reflecting my score for quite some time now and now I am in a time crunch where I need my credit score as high as possible. Now I am struggling and I desperately need my information to be corrected/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681 s-3 of this title, any- ( a ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer repost, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- {$610.00}.

Civil liability foe willful noncompliance [ 15 U.S.C. 1681nl
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

In XXXXXXXX XXXX XXXX LVNV sent me a collection letter. I immediately requested a validation letter to which was not responded in a the allotted timeframe and was removed from XXXX in XX/XX/year>. After the allotted timeframe, I received what they perceive as a debt validation of only a photo copy of a bill from the previous creditor that did a charge off. Later on the debt collection was reported to XXXX and XXXX. This has been disputed monthly since then and then yet they only send the same photo copy of a billing statement from the previous creditor with no other information. I even spoke to them on the phone and ask them how much was the debt purchased for which they would not disclose and told me they do not have to disclose how much the debt from the original creditor was purchased for they have now ceased Communications with me, but XXXX and XXXX still remains vigilant that it stays on my credit report despite the lack of information and timeframe of gathering information from LVNV.
Product: Consumer Loan

I purchased a sewing machine for my wife and credit was extended by Synchrony Bank. Payments are due on the XXXX of the month beginning XX/XX/XXXX. Payments have been made between the XXXX and XXXX each month. XX/XX/XXXX, the payment was made on the XXXX because of holiday expenses. A late fee was immediately assessed for {$27.00}. The XX/XX/XXXX payment was made on the XXXX without the late fee. On XX/XX/XXXX, I received a notification from Synchrony bank " Payment Not Receved '' and that additional fees had been assessed. The normal payment is {$180.00}. They demanded immediate payment of {$240.00}. I contacted Synchrony Bank Customer Service on XX/XX/XXXX and explained the situation. I do not believe the late fees are appropriate. The customer service rep state that their policy calls for late fee assessments under the circumstances and they will not amend their policy. I advised him that I would submit the full payment requested prior to the next due date. On XX/XX/XXXX, I received a call from Synchrony Bank Debt Collection demanding immediate payment over the phone or else there would be additional fees and credit collection costs. I explained that I had already contacted their customer service and arranged to pay the total amount by the next Due Date. The caller demanded immediate payment over the phone to avoid subsequent fees. I told her they would received their payment by the next Due Date and not to bother me again. I terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XX/XX/XXXX from TransUnion. I sent a dispute letter on XX/XX/XXXX. Received TransUnion credit report back on XX/XX/XXXX. With XXXX XXXX XXXX, XXXX still on my credit report. The dispute letter clearly stated all the Federal violations as listed below. 

XX/XX/XXXX -According to the CDIA ( Consumer Data Industry Association . XX/XX/XXXX CRAs are to Eliminate the reporting of all debt collections that do not originate from a contract or agreement. 
The Federal Trade Commission has taken action against a debt collection company ( s ) that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. Also known as passive debt collection, 1. Violation of H. R. 5282 SEC. 102. ( b ) Negative Information Notices To Section 623 ( a ) ( 7 ) Any person that regularly furnishes negative information to a consumer reporting agency described in subsection ( p ) or ( x ) of section 603 about activity on any accounts of a consumer held by such person or transactions associated with credit extended to a consumer by such person shall provide a written general negative information warning notice to each such consumer before such person may furnish any negative information relating to such a consumer.

2. Violation of H. R. 5282 SEC. 102. ( b ) Negative Information Notices To Section 623 ( a ) ( 7 ) -Any person described in subparagraph ( A ) that has furnished negative information relating to activity on any accounts of a consumer held by such person or transactions associated with credit The CRA 's need to be held account for this type of action.
Product: Debt collection

This collection agency is attempting to sue me and collect on a debt that was a result of fraud. I notified them of this on multiple occasions both in written and in verbal form. 
Additionally, this collection agency is using XXXX tactics such as 1. contacting me during all hours of the day and night.

2. The acts of this collection agency interfered with the quiet enjoyment of my property 3. Not notifying me of this debt in a legal manner.

4. Harassing me at my place of employment sending letters and making phone calls to my job forcing me to get have to leave my place of employment.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of XXXX with XXXX XXXX, Account Number XXXX : I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested and wet signature and ID verification. Experian failed to verify accuracy that they are required by law to do so. This account is severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly. Experian failed to do proper investigation and provide findings as requested from furnished. If EXPERIAN does not correct immediately within 5 business days I require {$1000.00} per violation. Including settlement for their data breach which impacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation from Convergent Outsourcing TWICE ( once in XX/XX/2019 and again in XX/XX/2019 ) and havent heard a word from them.