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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXXXXXX XXXX XXXX Dear CREDIT COLL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the applicable identity theft and fraud laws in XXXXXXXX XXXX 

It has unequivocally come to my attention that CREDIT COLL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX XXXX, particularly those pertaining to identity theft and fraud, emphasize the necessity of consumer consent for credit reporting. XXXX, XXXX XXXX, in alignment with federal regulations, establish clear guidelines for the fair and lawful reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CREDIT COLL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDIT COLL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDIT COLL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan with a company known as XXXX XXXX in an effort to start an online business. I was approved for XXXX. The Financing company was XXXX XXXX and their number is XXXX. After I got into the members area of XXXX XXXX I found that I didnt want to move forward with the project. I signed up XX/XX/2023 and wanted to change my mind XX/XX/2023. I called Lending Point XX/XX/2023 and asked if I could just return the XXXX and the representative said yes and that I had to reach out to the merchant XXXX XXXX. I also reached out to XXXX XXXX via telephone to make them aware as well. XXXX XXXX has refused to give the XXXX back even though I have sent numerous emails stating I dont plan on moving forward with them. XXXX XXXX told me they could not do anything as XXXX XXXX will not return the funds to have the loan cancelled out. I now have an attorney working with me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX Transunion and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, Transunion and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Debt collection

I received a letter from Nation credit Systems Inc stating I owed my previous landlord {$20000.00}. My Landlord filed an eviction on XX/XX/year> for an amount I didn't owe. They stated I owed {$1300.00} for XXXX which was incorrect. The lease they submitted to court stated my rent was {$1100.00}, and from XXXX the amount I would have owed XXXX {$6900.00}. The final ordered amount was less than {$6000.00} and I paid them {$10000.00}. so I don't owe them anything. They have reported me to NCS for owing {$20000.00}. How is this possible, if my rent was {$1100.00} and if I didn't pay anything at all, the total for the year would be {$13000.00}. I don't owe them anything and I have no intention on paying anything I don't owe
Product: Debt collection

XXXX XXXX  of XXXX ( XXXX ) mailed us a final notice for payment, dated XX/XX/2022, at our address charging XXXX {$390.00} for services performed on XX/XX/2022. They stated that it was the final notice and the last statement was sent on XX/XX/2022 - we were informed to pay the entire {$390.00} or our account would be placed with a collection agency within 30 days. We had not received any of the prior statements and XXXX had not notified our health care insurance provider ( the address and medical provider details were provided to the practice multiple times ). Upon calling XXXX 's billing department and speaking to them on XX/XX/2022, they confirmed that they had pulled up an incorrect address from the system instead of our current address that had been provided to them and had also failed to report the services to our health care insurance provider. They informed us that they will correct the address, process the claim through our insurance provider, and that the clock resets for 30-45 days. We received no updated bill from XXXX but on XX/XX/2022, we received a mail from a collection agency with a delinquent account due of {$38.00} ( with insurance having paid the {$350.00} ). They stated that we hadn't paid in response to previous statements. It is clear that XXXX had again failed to update our address and sent statements to an incorrect address resulting in delinquency.
Product: Debt collection

Sent a validation of debt in XXXX 2021, debt was not verified and was removed from XXXX. Demanding for debt to be removed from Transunion and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i want to dispute collections on my credit the dates or wrong on the account ... ..i also want hard iquries removed due to me Not authorize to check my credit The address on my credit is incorrect please remove
Product: Credit reporting

credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my Bankruptcy XXXX removed from all XXXX credit bureaus, as i have spoken with all XXXX credit bureaus, and they respond with the statement " we have validated this Public Record with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you
Product: Payday loan, title loan, personal loan, or advance loan

Vehicle was repossessed and finance company, Credit Acceptance Corporation & vehicle was sold at auction anyway even though I was under a payment plan on XX/XX/year> with the finance company to get my car out of repossession.. I have diligently been paying them the monthly payments since XX/XX/year>. I am 100 % certain that they are operating a scam operation because they can not tell me what my payments have been to them as I have been paying them since XX/XX/year>. These have been documented through my online account. Now they are telling me that I owe them even more money. I am tired of owing them more money when I AM CURRENTLY UNDER A PAYMENT PLAN. WHERE DOES THIS END? This finance company has to be regulated. I originally bought my car through XXXX XXXX in XXXX, VA and their dealership had a XXXX XXXX dealership out of XXXX, VA. I keep getting hung on and I will report the finance company to the IRS. I have called the scam finance company today and frankly I am not going to be extorted for any more money by a scam finance company as of today, XX/XX/year>.
Product: Credit reporting or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$690.00} Status Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Account charged off. {$420.00} written off. {$420.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Account charged off. {$3800.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Collection account. {$3800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$520.00} Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$600.00} Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Collection account. {$120.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX discharged Potentially negative Date Filed XX/XX/XXXX Court XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to withdraw into money into my bank account. coinbase said the transaction was completed however it never got to my acct. Several emails and calls later it has now been over 17 days and I still have nothing. Twice I spoke to support and was promised that I would have my money by the end of the day and still nothing. The coinbase blog is full of complaints about this type of complaint. I am fed up with these people they are just plain stealing.
date of withdraw : XX/XX/17 amount : a mere {$93.00} Three emails with no answer at least 5 calls to support in which I was only able to get through twice. I had to share my desktop with them to prove that I never got the money. I showed them my accts and the transaction logs and was promised that it would be resolved by the end of the day. its going on day 18 now and I have heard nothing from coinbase.
Product: Debt collection

In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights : 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Collections Account : XXXX XXXX : opened XX/XX/XXXX Credit inquired with dates as followed : XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I received from the human resource office of XXXX XXXX XXXX a copy to Writ of Garnishment of something sent from the Circuit Court XXXX District of XXXX County against me for the amount of {$3100.00} which occurred on XX/XX/XXXX. 
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX ( Couch, Conville, & Blitt, LLC ) to the XXXX XXXX, LA address that was provided on the document. It was supposed to arrived on XX/XX/XXXX but did not due to the wrong address on the document. When I called to get a corrected address and told them what had happened, the clerk didn't want to talk to me until she got the last four digits of my social and she can find out who I was so she could start the recording. She said her line that this was attempt to collect a debt and I was being recorded. She looked up the account and said that the debt was back in XX/XX/XXXX and could I make a payment in full. I hung up since I did not want to be recorded or her alter her statement to be my statement. I resent the letter on XX/XX/XXXX via certified mail as of XX/XX/XXXX it should be there. The new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$480.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$140.00} XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$840.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$1500.00} XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$3100.00} XXXX XXXX Account Number : XXXX {$480.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$140.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting a reinvestigation of the negative items on my credit report, which remain unresolved despite my previous disputes and the submission of all necessary documentation. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

As a result of ID theft/data breaches in recent years, I have the following inquiries that need to be removed from all three CRA 's . I have tried to dispute this date directly with the creditor and got no response after 90 days. These inquiries need to be deleted from all 3 CRA 's. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX SYNCB/XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX
Product: Money transfer, virtual currency, or money service

I've been having issues contact Coinbase.com and XXXX   concerning a lockout to my account. For the past two and a half months I've been having seeing " An error occurred. Please contact XXXX  support '' when trying to access my funds. I currently have around 14k in total cryptocurrency values that aren't accessible at that the moment. I have repeatedly emailed them and see this response multiple times : " Hi again, Ive just checked your account and can confirm that your request has been properly escalated.

For fastest response, please do not create multiple tickets about your issue.

Once your request is cleared, well be sure to follow up.

Thanks so much for your patience and for working with us on this.

Hi there, Thank you for contacting Coinbase!

Thank you for patronizing Coinbase.

Warm Regards, *XXXX* '' If I could somehow have access to my account that would be great.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX OF XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : 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

Here is the list of fraudulent inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference CFPB complaint # XXXX about XXXX XXXX XXXX. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of XXXX XXXX failure to correct the information ( remove the bankruptcy and show all accounts as paid ), Chase Bank USA declined my request for a credit card and today I received written information that the denial was based on information solely from XXXX   regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, XXXX XXXX XXXX XXXX continues to report that XXXX is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that XXXX provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2025 XXXX Lady XXXX XXXX XXXX, Maryland XXXX SSN : XXXX Statement of Dispute Dear Transunion, I am requesting a description of the procedures used to determine the accuracy and completeness of ( XXXX XXXX XXXX XXXX # XXXX ). 
How could you come to a clear conclusion this account is verified? Who did you speak to about the account I disputed, how did you contact them and when did you communicate with them? In your response you did not provide any proof that this company has consent to furnish my private information? Nor did you provide me with any details of the reinvestigation of this account. I am requesting that now. You are supposed to protect my privacy under the FCRA. Allowing this company to furnish an account on my credit report without providing any evidence of me giving them consent to do so is in clear violation. There are also many more violations. Delete the account from my credit file. Transunion is in violation of my consumer rights. 

I'm also aware of my right to privacy under the FCRA. Neither you nor ( XXXX XXXX XXXX ) have provided any proof of me giving them my consent to disclose or furnish my private information. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please be aware that I am a litigious consumer and in the process of pursuing litigation in this matter to enforce my consumer rights pursuant to the FCRA in its entirety. I expect to receive a response within 15 days of receipt of this letter containing all the information requested above, or I will expect to see the items in question permanently removed from all records. 

Respond with the requested information or delete this account within 15 days. 

Sincerely, XXXX XXXX
Product: Mortgage

Foreclosure document fraud by XXXX XXXX as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS XXXX XXXX HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.
Product: Debt collection

Long time XXXX customer. Always paid my bills on time. When I transferred my service to another provider, I waited to pay on the last bill as I knew I would get a final bill and I only wanted to pay once. 
Not only did they charge me for an entire month even though I did n't use the full month, the worst thing is I got a letter from a collection agency BEFORE I even got the final bill. 
They did not call me, They did not warn me. They sent it to a collection agency when it was & lt ; 2 weeks late and they sent it to a collection agency before I even got a XXXX bill or XXXX notice