23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, I ( XXXX XXXX XXXX, called Stenger & Stenger to set up a settlement offer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$2800.00}. After back and forth negotiations, I thought we had agreed to a {$2800.00} settlement and me making payments of {$200.00} a month, to find out later that Stenger & Stenger had lied just to get account information and to receive payments. I specifically asked Stenger & Stenger to send me a written statement of our agreement. Well, 2 payments later in the amount of {$400.00}, I still have not received a letter stating our settlement offer. Instead, I received a letter stating an amount of XXXX and not the settlement offer of {$2800.00}. I am requesting that the above account be dismissed because several of my FCRA rights were violated. As of XX/XX/XXXX at XXXX p.m. I reached out to Stenger & Stenger again to try and resolve the problem again. I was told this time that they would settle for {$2800.00}, which was more than what was initially agreed upon. {$2800.00} plus the XXXX I have already paid is {$3200.00}, which is still not accurate. I was told this information by XXXX XXXX XXXX XXXX ) XXXX. Throughout this entire process, I have been sent papers, such as legal forms when they were not ; they have threatened to seize or garnish my wages, in which I am unemployed at the moment; and actions such as a lawsuit taken against me and it has in the XXXX XXXX XXXX XXXX XXXX XXXX Stenger & Stenger also had the Sheriff 's Department XXXX XXXX XXXX running back and forth to my residence concerning the civil lawsuit against me. Why not put it in the mail? 
All of the above violations have occurred against me, even though I tried on numerous accounts to resolve this account. So, I am requesting this debt be canceled and dismissed due to hardship issues as well as violating my FCRA rights
Product: Debt collection

It was a account thats was no longer in use because my brother had XXXX XXXX but they continue to charge
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting *INACCURATE* and incomplete credit information. 

I received a copy of my credit report, you are reporting this account INACCURATELEY. 
This collection account is reporting not only as OPEN but also shows a past due balance of {$14000.00}. According to the FCRA, I have the right to an accurate credit report. Please Delete this account immediately from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

PLEASE SEE ATTACHED DOCUMENTS
Product: Credit reporting

There is an account listed as in collections from Oregon XXXX XXXX XXXX. I have this account set up on automatic debits from my checking account for monthly payments. I have never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my consumer report I noticed a Bankruptcy being reporting. 
I attempted to dispute and get the Bankruptcy deleted for a few reasons. 

1. There were several inconsistent data points on my consumer report causing it to be inaccurate. 

2. Equifax and XXXX stated that the US Bankruptcy Court reported the bankruptcy however, when I contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called XXXX XXXX. XXXX XXXX used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

XXXX. XXXX XXXX stated that the US Bankruptcy Court reported the bankruptcy however, when I Contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called XXXX. XXXX used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

( Violation 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a Consumer right to privacy '' ) ( Violation 15 usc 1681b ( a ) ( 2 ) '' No Permissible Purpose/No Written Consent In Addition, FTC state , The Gramm-Leach-Bliley Act requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data.Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? 

No, you are not following the requirements. As stated above my privacy as been violated Under the Gramm Leach Bliley Act.

15 U.S. Code 6801 - Protection of nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not view updated credit information online through any means that I currently use. Credit Karma gives me an error stating that both XXXX and XXXX are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using Credit Karma for two years and haven't had an issue until recently, the last update was XX/XX/2018. The app says to contact XXXX or XXXX  to resolve the issue. To verify that whether it is a Credit Karma issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, XXXX says a condition exists that prevents them from being able to accept my request, and XXXX says they can not confirm my identity. I called XXXX to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern over the past year i have reached out to XXXX XXXX XXXX account # XXXX in regards to furnishing inaccurate information on my consumer report. I also have sent them certified mail on mulitple occasions supporting my claim that this was not in fact my account i was recently released from the XXXX XXXX XXXX  XXXX XXXX 2021 and have submitted all the necessary documents to support that claim to prove i did not or have any knowlegement of this open account being i was XXXX  at the time of this being open. I submitted documentation that shows XXXX XXXX XXXX to be in violation of according to the Consumer Law & The Fair Credit Reporting Act, 15 U.S.C. 1681. All I ask is for this company acknowledge the violation and correct it before additional steps are taken. They have recently furnished information attaching an employee name on my consumer report which is in violation as well I am demanding this company remove this account asap.
Product: Checking or savings account

XX/XX/XXXX : I signed up for English classes for my son and made monthly payments of {$50.00}. 

I attended online XXXX XXXX. There were issues were connecting to the system and getting help. I called and emailed tech support with no response. 

XX/XX/XXXX : I attended orientation day online. There were issues connecting to the system. The teacher tried to help me, but she was unsuccessful. I contacted support, and I was on hold for an hour. I emailed tech support, no response. 

XX/XX/XXXX : I canceled the class before it began via email. I could see this was not going to be a good fit. The company didn't offer help in accessing the course. 

XX/XX/XXXX : The company wasn't responsive, so I called Suntrust to file a dispute and stop payment on my account for XXXX and the amount they are debiting. 

XX/XX/XXXX : XXXX debited my account again, even though I dropped the class and SunTrust stopped paying my Acct. 

XX/XX/XXXX : I filed a complaint with the CFPB XX/XX/XXXX : Sent letter acknowledging the dispute asking for more information. 

XX/XX/XXXX : Faxed more information to Suntrust. 

XXXX : I called SunTrust for an update. The Representative said they closed the case because they didn't receive the information. 

XX/XX/XXXX : I step into a branch and fax the information. I received a transmission log as a receipt showing I sent the documents. 

XX/XX/XXXX : Suntrust sends a letter saying they didn't receive the information. 

XX/XX/XXXX : Stepping into a Branch to send documents again because XXXX XXXX sent a letter saying she didnt receive the documents. Again
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I sent another letter requesting investigation of inaccurate accounts showing on my credit report. I never received a response and it's been six weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to being a victim of credit fraud as well as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 rep 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Over the past couple months, I booked many things for a trip with my United Explorer Credit Card specifically because of the travel cancellation insurance policy posted in the benefits section in my app which states that it covers non-refundable expenses for passenger fares, tours, and hotels. The bookings for my trip included 4 hotel stays, several trains and a tour. I did not purchase separate travel insurance or refundable stays because of the coverage I thought I had based on the posted information. 

On XX/XX/ the day of our departure, we had to cancel the trip due to a covered XXXX XXXX. When trying to begin the process to submit the insurance claim, I was informed by an agent working with the benefits partner that this only covers passengers fares and was send the real policy, which despite the information linked to my cards benefits breakdown through the Chase App, does not include hotels or tours. The information in their app is incredibly misleading and had the accurate policy been posted, I would have made different decisions when booking this trip. Due to the discrepancy in their coverage policies, I am out approximately {$2100.00} in non-refundable hotels and other items that are not covered. 

When trying to resolve this with the company, the travel claims company partnered with Chase, refers me to Chase. And when I call Chase for resolution, they refer me back to the claims provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two department of education accounts on my credit report that I was not responsible for because my social security was paying for these loans, please remove the two late payments off my credit report from the department of education. I have no knowledge of this because social security was responsible for my payments.
Product: Money transfer, virtual currency, or money service

Unable to withdraw money from coinbase and move it to my wallets
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX # XXXX, XXXX BANK XXXX XXXX & XXXX BANK XXXX # XXXX
Product: Mortgage

In response to case XXXX I didnt realize that Fay Servicing replied and that the case was closed. Please reopen. 


Thank you.
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$810.00} XX/XX/XXXXXXXX XXXX XXXX {$1400.00} XX/XX/XXXX Charge Off XXXX XXXX XXXXXXXX {$440.00} XX/XX/XXXX Charge Off has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX refugee. 
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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The Discover Card company calls me from several different phone numbers several times a day. I have tried to block the numbers to stop getting the calls. They have resorted to calling my parents and the home number of my former residence. None of those numbers that they are calling are connected to my credit card account. They must have searched the numbers through a database.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ABSOLUTE RESOLUTIONS I is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ABSOLUTE RESOLUTIONS I the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ABSOLUTE RESOLUTIONS I whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure ABSOLUTE RESOLUTIONS I never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Money transfer, virtual currency, or money service

Kindly check my over 18 'back and forth ' emails with XXXX On XXXX XXXX I tried to do a transfer of XXXX ETH to my coinbase account. This was stopped because of a security hold. I was then asked to verify my identity and after several unsuccessful attempts, this was completed on XXXX XXXX. I then tried to transfer again on XXXX XXXX. and was faced with another security hold. I complained to support who sent me a slew of questions on XXXX XXXX. which were completely answered on XXXX XXXX. Support then thanked me on XXXX XXXX and said they are working to remove the restriction and will follow up. I have not heard back from them since. I then tried to do another transfer on XXXX XXXX and realized there is still a security hold on my account! 

I, again, tried to do another transfer on XXXX XXXX and was faced with another security hold 24 days after they say they were looking into it. This is outrageous! 

Gemini keeps sending me warnings that they will close Canadians ( my ) account by XXXX XXXX, 2024 and that I should withdraw my assets but support seems to be working counter to this instead of facilitating it! 

I need the restriction to be completely removed from my account. 
******************************************************************************** Gemini again sent out this email on XXXX XXXX XXXXXX/XX/year> ******************************************************************************** Gemini XXXX XXXX XXXX XXXX XXXX  ( 2 days ago ) to me Hi there, We are reaching out again to remind you that as of XXXX XXXX XXXX, Gemini will be limiting the services offered to customers in XXXX, and XXXX such, your account will be closed on XXXX XXXX XXXX 
To avoid any service interruptions or blocked access to your accounts, we strongly encourage you to take the below actions prior to XX/XX/year> : Withdraw any crypto assets to an external wallet address. Please note, all crypto assets are available to withdraw via web browser. Limited withdrawal access available via the mobile app. 
Withdraw any XXXX to your linked bank account. 
Please see here for instructions on how to link a bank account. 
We apologize for any inconvenience this may cause and thank you for your understanding. 
Please reach out to our support team here if you have any questions. 
Onward and Upward, Team Gemini Gemini Trust Company , LLC ( d/b/a Gemini Exchange, LLC in AZ, CA, DE, FL, ID, IL, KS, KY, MA, MI, MN, NC, ND, NM, OH, OR, SC, SD, UT, and VA ; d/b/a Gemini Exchange in AK and WA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Copyright 2024 Gemini Trust Company , LLC. All rights reserved. 
******************************************************************************* I, again, tried to transfer my crypto on XXXX XXXX XXXX XXXX XXXX but Gemini continued to place a security hold on my account and denying the transfer. 
They obviously lied in the above email when they said, " Please note, all crypto assets are available to withdraw via web browser. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CHOICE RECOVERY INC add a derogatory mark on my credit reports. CHOICE RECOVERY INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

I sent letters to ic systems asking them to send me proof of debt owed or copy of last bill on XX/XX/XXXX today is XX/XX/XXXX they have reported to XXXX that I owe money when I do n't.
Product: Credit reporting

i have 3 hard inquires from this company that i never applied for and the credit bureaus are giving me a hard time about removing them