23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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, Transunion and XXXX etc. 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA ; s. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 
there were fraudulent accounts open in my name I did not give them permission to use my info I am victim of identity theft
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$3000.00}
Product: Mortgage

I initiated a new home loan from Wells Fargo on XX/XX/XXXX. Property is in XXXX XXXX, NM. We were instantly approved and we made an offer on a home in New Mexico. My payment from Wells Fargo for the purchase of our new home was estimated at XXXX a month. It jumped to XXXX right before close. Our movers had our furniture, we had nowhere to go or live and no choice but to sign. Had I been given these figures prior, I would have chosen another lender and canceled Wells Fargo. Speaking to local lenders they would NOT have estimated our taxes that high. Property taxes were estimated at 3 times the amount set by county. 3 times what had been estimated when the loan process started. I tried to ask them for help and Wells Fargo said said to let the title company handle it. ( I have the emails ) .The title company and assessor office both verified the amount of {$5800.00} due XX/XX/XXXX and {$5800.00} due XX/XX/XXXX was NOT a figure that they came up with but it was per the lender WELLS FARGO. The estimated taxes for the ENTIRE YEAR given to me by the assessor office was XXXX. I have the document from the assessor 's office to prove it.Wells Fargo is charging me XXXX a year with a huge escrow payment of {$970.00} a month. It is ridiculous. I tried to contact them since we signed to get them to update it. They said I have to wait. It is unfair lending practices for them to refuse to update the tax amount. I realize our home is new construction but they are charging me a fortune and I have no idea what will happen when the tax bill is due in XXXX. The amount due is {$1800.00}. I have proof of that as well. NOT {$5800.00}. What are they going to do with my money. At this point I do not trust them and need help. I have the emails where the reps from Wells Fargo told me to talk to the title company that they had nothing to do with the set amount. It is not true. The tax assessor and the treasurer both told me they can not give amounts that do not exist. They can only give accurate amounts like the ones they gave me. The title company told me they can only have me sign the documents provided by Wells Fargo. Wells Fargo doesn't care that I am being charged 3 times the regular amount. I have checked the taxes for everyone with the same house as mine in the my neighborhood and all are around {$3900.00} for the YEAR. I am attaching the copy of the taxes from the county.  Please let me know if I need anything else. I have the names of the reps as well as emails from them with contact info. I have included my mortgage statement as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX  & XXXX  continues to update account information that does not belong to me. Even after submitting my police report for Identity thief, and filing my FTC report the credit agency 's are still just updating the information. Of course if my information was used to open the accounts of course the information will be verified, none the less I have contacted XXXX XXXX to dispute an account and they are telling they can't provide any information because the ss # does not match, Also XXXX has not been verified due to the balance they have me owing {$86.00}, XXXX when the balance on the card show 's {$8600.00} its a type o, but they wont even brother to correct this major mistike, These mistake are causing me to lose out on the chase of home purchasing and have XXXX of my hard earned money taken from me due to their unfair reporting practices.
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 Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I look I get a hard inquiry from SunTrust. I never gVe them permission to do an inquiry except initially when I first started. I cant believe how many time I got hit with these. I even ask when they called me up and offered me more funds if there would be a hard inquiry and the lady said no. I am very upset with this. Also I am a little behind on bills due medical leave leading g to terminate on XX/XX/2029. Just recently started a contract job Monday before last to catch up Help!!! No more inquiries from this lender! They havnt even told me about a single one!
Product: Mortgage

M & T Mortgage Company foreclosed on my FHA-insured property in XXXX XXXX. As of XXXX XXXX, they have failed to file a claim with HUD for the property, although in XXXX they only have 18 months to do so. When I inquired about the matter through FHA, the lender falsely claimed that the mortgage was 42 months delinquent and in foreclosure status with Eviction Proceedings initiated ; despite the fact that the house sold at auction in XXXX XXXX, has been vacant since XXXX XXXX since I live in XXXX, and they 've received multiple code violations for not properly securing the home. In addition, the lender is claiming I am still indebted to them.
Product: Checking or savings account

Filed a claim for {$50.00} on XX/XX/XXXX. Usaa deemed me a liar and reversed my {$50.00} credit for receiving a product that I did not order. Received wrong product, merchant unhelpful and now bank is being unhelpful! Been fighting tooth and nail to try to clear up my name and get back my money but they have been stonewalling every attempt I make to get my money back. Called numerous time and all I get are rude disrespectful and unprofessional people who like to mis treat XXXX veterans With XXXX  sur names and violate the Americans with XXXX XXXX! Very unhelpful people at USAA, only care about their bottom line
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate and potentially fraudulent account that has appeared on my TransUnion credit report. The account in question is listed as XXXXXXXX XXXX XXXXXXXX, with the last reported date of XX/XX/year>. I have identified several issues with this entry, which raise concerns about the accuracy and legitimacy of this account. 

Discrepancies and Issues with the Account Mysterious Account : I have no knowledge of ever opening an account with XXXX XXXX XXXXXXXX and have no recollection of any transactions or communications with this entity. 
Balance Shows {$0.00} Yet Account is Charged Off : A charged-off account should reflect a balance owed. If the balance is truly {$0.00}, then this account should not be reported as negative. 
Purchased by Another Lender, But No New Creditor is Listed : The report states that the debt has been purchased by another lender, yet no new owner of the debt is named. This lack of transparency raises concerns. 
No Payment History Available : There is no record of payment history or delinquency, making it unclear how this account became charged off. 
No Past Due Amount : Despite the " Charge-Off '' status, the report lists {$0.00} as the amount past due. If no past due balance exists, then the account should not be negatively impacting my credit. 
High Balance Discrepancy : The reported high balance is {$840.00}, which is significantly higher than the original credit limit of {$300.00}, yet no transaction history is provided to justify this. 
Requested Action Due to these inconsistencies and lack of clear information, I am formally requesting the following : Complete removal of this account from my credit report due to its inaccuracies and potential fraudulent nature. 
A full investigation into the legitimacy of this account and documentation proving its validity. 
Written confirmation from TransUnion regarding the outcome of this dispute. 

Under the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, or unverifiable information must be removed from my credit report within 30 days of my dispute. I appreciate your prompt attention to this matter and look forward to your response.
Product: Debt collection

This company is reporting a negative debt on my credit, and I never had an account with them.
Product: Debt collection

I have never entered into an agreement nor do I have a contract with SPRINGOAKS CAPITAL, LLC XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX. This is fraudulent and a violation of my right to privacy and my consumer rights.
Product: Vehicle loan or lease

On XX/XX//2021 I submitted a complaint against Exeter Finance ( # XXXX ). I received an answer on XXXX/XXXX/2021, however, it did not satisfy the request sent to this company via cease and desist as well as debt validation. The consumer credit transaction is false and misleading as I was not given the proper disclosures pursuant to 15 USC 1635 which is a violation. As I reviewed the negotiable instrument again, I noticed that my signature is the only signature on the paperwork given to me on XX/XX//2021. ( See attachments ).
Product: Credit reporting or other personal consumer reports

I have disputed these student loans that are on my report that should not be. I'VE let the bureaus know this loan has been transferred to another company and should not still be reporting on my credit report. The Bureaus XXXX and Equifax are telling me they verified the information which is not true. I spoke with two Representative from XXXX which stated they did not verify with them and these accounts should not still be reporting on my credit report. I also have a letter from XXXX that my loans have been transferred to another company.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act Convergent Accounts # XXXX Account number XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX BK # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Money transfer, virtual currency, or money service

Coinbase locked my account over a year ago to verify my identity. They requested some documents that I provided. From paystubs for past 3 years from different employees ( even previous ones ) to my tax documents etc... I have been collaborating with them for for a long time now and provided everything they asked for and answered every question. Every time they send a e new email with new requests. I asked them multiple times to ask all questions and request at once since everytime it takes more than a month for them to review my responses and come up with new questions! I have called their customer service too and no resolution. I am not able to do anything with my account for more than a year. And now it has come to the point that they ask one question at a time in an email after a month of their last one! They are just dragging the process for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNTS ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE DEBT AS BEING MINE AND VALID. I ALSO WOULD LIKE TO KNOW THE METHOD USED TO VALIDATE THE DEBTS. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED.- XXXX  XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX, XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ). PLEASE REMOVE THE FOLLOWING NAMES, ADDRESSES, PHONE NUMBERS AND ANY OTHER VARIATIONS YOU HAVE THAT MAY NOT BE LISTED ON THIS DOCUMENT. REFER TO ATTACHMENT 1. 

MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX MI XXXX, MY PHONE NUBER IS- ( XXXX ) XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.
Product: Money transfer, virtual currency, or money service

I have a business paypal ive had for years, it has over {$2600.00} in it which i cant transfer, withdraw, send to anyone or anything. I can login to my account but cant add any new cards or banks, when asked to verify my number it says its not accepted when its a att account with my name and address that matches the address on my account with paypal. Ive talked to paypal 4 times now on the phone have waited 72 hrs, 24 hrs, 48 hrs and now told to wait another 48 again which will end up the same outcome. I just want my money thats mine. Ive proved identity over the phone 5 times and they say itll be resolved but never has
Product: Credit reporting or other personal consumer reports

Ive sent in multiple disputes to Experian and XXXX about incorrect accounts, incorrect personal information, and incorrect inquiries on my credit report. I have been doing this for years now, and there has been no update as if they are overlooking the issue every time.