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

I have previously requested the Credit bureaus to investigate this following information and they have failed to correct the errors they are reporting on my credit report. Now it's not the time to update, I demand that the credit bureaus immediately delete the inaccurate information in my credit report. 

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 Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Listed below are the Fair Credit Reporting Act violations : 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604N section 2 : it also states it's similar 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 items of information, other than records of convictions of crimes 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. 

15 U.S.C 1681 section 603 ( 3 ) ( E ) states ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with others with whom he/she is acquainted or who may have knowledge concerning any which items of information.

The credit bureaus failed to provide proof of your investigation, according to 15 US C 1681 section 603 ( 3 ) ( E )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as my formal and final demand for the immediate removal of the following negative items from my credit report. I have reason to believe that these items are inaccurate and/or potentially fraudulent, especially in light of the recent TransUnion data breach, which compromised sensitive personal information : Disputed Negative Items : List of charge-offs : 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 Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to maintain the accuracy and integrity of the information they report . Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) provides consumers with protections in cases where their personal information may have been compromised.

Furthermore, my personal information was also compromised in the Change Healthcare data breach, adding to the likelihood that the negative items on my credit report may be the result of identity theft or fraud. The combination of these two breaches presents an even greater risk to the accuracy of my credit report, and I am concerned that the negative items are a direct result of the mishandling of my sensitive data by third parties. 
Given the breaches and their potential impact on the accuracy of my credit report, I demand that all negative items, including charge-offs, collections, and late payments, be removed immediately. Since your company has failed to guarantee the security of my personal information, you are no longer able to confirm the accuracy of the data reported. 
Furthermore, as required by the FCRA : Section 611 ( 15 U.S.C. 1681i ) : You are obligated to verify the disputed items within 30 days or delete them from my report.

Section 609 ( 15 U.S.C. 1681g ) : I have the right to request all information and verification documentation regarding the accuracy of these items, which to date, you have failed to provide. 
This is not a mere request but a final demand for the guaranteed removal of all disputed items. Should you fail to comply within 15 days of receiving this letter, I will pursue the following actions : Initiate legal action under Section 616 of the FCRA ( 15 U.S.C. 1681n ) for willful non-compliance, seeking statutory damages of up to {$1000.00} per violation, actual damages for harm caused, and reimbursement of legal fees. 
Pursue additional legal remedies under Section 617 of the FCRA ( 15 U.S.C. 1681o ) for negligent non-compliance, including further damages and court costs. 
I expect a prompt response confirming the permanent removal of all negative items. Failure to act will result in immediate escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX2021 I've sent documentation regarding to those inaccurate and unknown accounts on my credit report but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.
Product: Debt collection

credit card was with initally with washington mutual, paid off on time according to terms stipulated. I received correspondence that Chase would be taking over washington mutual but that my account would not be affected. However, when the change went into effect, Chase starting calling me about the credit card payments, having no records of any payments made. When given confirmation number of last payment, they would agree that it was paid off. This went on for several months. Upon viewing my credit report, it now appears as a negative item.
Product: Debt collection

No one has validated this debt, even though several validation letters have been sent out of the span of 2 years. I am trying to buy a house at the moment and this collection is hindering me from doing that. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Checking or savings account

We have made requests from three national banks we use for a data download of banking date in access of the 18 month limitation set for comma de-liminated data files. 

When National banks will provide up to 7 years of PDF monthly statements, yet will not provide seven data files for the same data beyond the 18 month limitation. What is the logic?

In both cases, they have to go to off-line storage to access the data. In the data format, they will only have to retrieve up to seven annual data files. In the monthly PDF example, they will have to retrieve up to 72 monthly statement PDF files.

We have no problem with 18 months being the standard for data file downloads. However, we think they should be able to honor a formal request for data beyond the 18 month limitation.

Based on the assumption banks are required to keep 7 years of data for IRS purposes, honoring our request should be of no consequence.
Product: Student loan

It's was XXXX loan of XXXX dollars an it was paid off an they took it off my report an broke the balance down into four different reports an put it on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. Ally refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX are misreporting the loan balance. Ally continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.
Product: Mortgage

I have had Wells Fargo home mortgage since 2007. I have been mailed several redress checks ( XXXX ) and am concerned that I am owed more for the losses I suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Coinbase Inc. charged me {$29.00} for their coinbase one product subscription, i did not sign up for or request this product this happened on XX/XX/scrub> 2025, i immediately contacted them to dispute/complain and requested a refund after hours of trying to get a live agent to speak with thru their XX/XX/XXXX i finally got someone who started making excuses why they couldnt refund the money, days and weeks went by trying to get someone on the phone live. i had to skip down phone numbers to finally get someone, they were annoyed i managed to do that more than interested in helping me... days later someone finally called me back and had me download several different APPS to my phone so i could screenshare and prove my case which i did. they told me the refund would be processed and that was that i thought. Today i got a call from another guy saying the refund couldn't be processed because of a problem with my checking acct, i went on their App and it says i am connected so i told him that and then i said not only that but the XXXX i still have there it wont let me cash out so i can close the account and be done with them and he started to yell at me so i said i'm just going to file a complaint with the CFP, ,FTC and Sec and when i said that he hung up on me. so I'm filing this complaint. It's been 3 weeks and i still haven't gotten my refund, i have filed a dispute/fraud case with my bank and blocked Coinbase from access to my acct for any withdrawals but deposits are allowed. This company is shady as they come and all this over {$29.00} and {$1.00} still in the acct i can't get back either, imagine if it was alot of money? they should be shut down and investigated on a federal level.
Product: Debt collection

I was covered under XXXX  XXXX back in XXXX for my pregnancy and all my visits and scans were covered. i had a high risk pregnancy for the entire 9 months. i lived in the hospital trying to save my baby. My daughter was born XX/XX/XXXX and the insurance was terminated effective XX/XX/XXXX. Now in XXXX i have these bills in my credit report for the delivery and in my husband credit report as well. This issue has affected us tremendously. I contacted all 3 credit bureaus and provided proof of insurance and eligibility and had the accounts DELETED and slowly they come back again. I contacted the reporting agency and are constantly reselling the accounts. This is FRAUD. I'm trying to buy a house and this is blocking my family blessings. You must delete this from my record. I work too hard and pay taxes and INSURANCE for this mess. I HAVE COPIES OF ALL MY CREDIT REPORT FROM XXXX AND THESE ACCOUNTS HAVE BEEN RESOLD OVER AND OVER.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a method for verification letter, requesting information in detail on how my alleged late payment was verified. I have NEVER been late in the over 6 years I've held my XXXX XXXX card. The bureau alleged that I have XXXX late payment in over 6 years of having the card. When the copy I just sent shows there are several inaccuraties in my credit report dealing with my XXXX XXXX account. By law, XXXX XXXX of my information is supposed to be accurate and it clearly not accurate. 

Please provide me as my letter states the method of verification or remove the late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent via certified mail a request for a security freeze to Contemporary Information Corporation with a copy of my driver 's license and recent utility bill. CIC has refused my request asking for my social security number which I am not required to give.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, and noticed some thing are incomplete and not accurate .And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. these account XXXX XXXX
Product: Debt collection

portfolio recovery assoc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
 Damaging my credit score, getting phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

As stated before these inquires are unrecognized and fraudulent reporting according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft as well as The Privacy Act of 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: Checking or savings account

On XX/XX/2020 my daughter made a deposit for me at the TD Bank, XXXX XXXX XXXX, XXXX, DE through the ATM. The deposit consisted of {$110.00} cash & a draft in the amount of {$50.00}. The machine returned the draft indicating it could not be deposit at this time. It then returned my debit card but no receipt for the {$110.00} cash. We went to the drive through teller & explained the situation and asked her to help to get a receipt & to deposit the check. She basically cashed the check & said for me to check my account online for the deposit. I did check my account & it did not show the deposit. I immediately called the bank & spoke with a representative ( XXXX ) who filed a dispute complaint on my behalf. I also asked her to retain the video of the ATM of that day. I did receive a complaint number via email from a XXXX XXXX ( XXXX ) I was told it will take a day or two to balance the ATM. 
Called on XX/XX/2020 & had to leave a message. On XX/XX/2020 I spoke with XXXX who indicated that there was no indication on my complaint yet & it takes 7 to 14 days. XX/XX/2020 I checked my online account & still no deposit. XX/XX/2020 left another message. Called again & spoke with XXXX & left a message for XXXX XXXX to call me. XX/XX/2020 its now 2 weeks & no response from anyone. I left another message. 
I called my branch of TD Bank and spoke with a gentleman named XXXX, who went over & above to help me. He located my complaint and indicated that a not was only recently placed on the form indicating it was being denied because the representative who filed the complaint did not put the terminal number on it. He checked everything possible & called the branch on XXXX XXXX & was told that there was no transactions on my card and Im basically out of the {$110.00} I deposited. This is unacceptable!
Product: Credit reporting or other personal consumer reports

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt