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

Dear CFPB Representative, I am filing this complaint regarding a violation of the Gramm-Leach-Bliley Act ( GLBA ) by Kikoff in its handling of my closed account information. Specifically, Kikoff seems to have have breached Section 6801 ( Duty to Protect Consumer Information ) and Section 6802 ( Restrictions on Disclosure of Consumer Information ) by reporting inaccurate late payments on my closed account to the credit bureaus. 

The reported late payments have negatively impacted my credit score and raise concerns about Kikoffs compliance with federal laws requiring the accurate and confidential handling of consumer financial data. Despite my efforts to dispute the accuracy of this information, Kikoff still is reporting late payments on the closed account. As a reminder this dispute is over 3 Late payments that I did not authorize nor acknowledge.

Furthermore : Kikoff is retaliating against me. Kikoff has also failed to act in good faith ( FRCA Section 623 ) : Kikoff initially confirmed via email that they would delete the account from my credit report but later stated that this was a mistake. This inconsistency demonstrates a lack of good faith in their reporting practices. 

I have attempted to dispute with the credit bureau 's multiple times to resolve this issue with kikoff but it still has not been resolved. I have been going back and forth with kikoff for months over XXXX late payments that I do not acknowledge and they are not providing me with a solution.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.
Product: Student loan

I have been attempting to get the promissory note for my consolidated loan ( done in 2005 ) since XX/XX/XXXX. For about a month, Nelnet claimed to have no information on my loan and no promissory note. I called almost daily. People would promise to look into the case and then not call back. I would ask to speak to a supervisor and instead get put to the main menu. When I would call back, there would be no documentation of my previous calls and I would have to start over. Finally, someone found my promissory note but the first XXXX pages were missing of the promissory note. Nelnet claims this is not their problem and blames Department of Education for not sending it to them. 

I need the promissory note as I have qualified for loan repayment from the XXXX XXXX XXXX XXXX ( XXXX ). The XXXX said that if the first XXXX pages of my promissory note can not be found, I can submit a letter from Nelnet stating what loans ( type, amount, date ) that were including in my consolidation. Nelnet refuses to write the letter since they did not consolidate the loan, even though the government branch that consolidated the loan no longer exists. Nelnet said they can see the information about what loans went into my consolidation but will not put it in a letter. On my insistence, they have sent it to their legal department to review but said that just the review would take weeks and that they will not send the letter anyways. 

I have been working with the Onbudsman Group and XXXX XXXX XXXX, who both state Nelnet should provide the letter and should have the full promissory note. Due to Nelnet 's poor customer service and negligence, I will lose my chance for loan repayment ( & gt ; {$200000.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to delete some of the data on my credit report, but there are still accounts that need to be removed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be discarded as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has also violated my rights. 

They have reported different monthly terms and invalid late payments to my credit report for several months. 

I asked all 3 credit bureaus to investigate and they continued to report improperly with invalid information.
Product: Mortgage

I just recently found out the City MORTGAGE AND NATIONAL DEFAULT foreclosed on my property illegally. I was corresponding with CITI MORTGAGE for a modification gave them all the details pertain to my finance. At the same time I asked CITI MORTGAGE AND NATIONAL DEFAULT to validate the debt. The reason why other entities were calling and mention that the loan has been sold. Who do I send payment to? I ask the entities to validate the debt they ignored all my paper work and foreclosed on us. While they were supposedly working with us for a modification. I need to report this asap so they can correct this matter immediately.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, I am filing a complaint about Coinbase. 

I withdrew XXXX EUR ( in words : XXXX XXXX XXXX XXXX XXXX euros ) from Coinbase to my verified XXXX XXXX account on XX/XX/XXXX. 

The website of Coinbase promised a transfer until XX/XX/XXXX. 

Until today ( XX/XX/XXXX ) I have not yet received the promised funds. I have formulated multiple support tickets and also called the customer service desk, were I have not received an update on my transfer status. The customer service always confirmed that the status is " pending '' and that the funds should have arrived long ago, but could not tell me when they will finally arrive. 

The reference code within Coinbase is XXXX. My bank account was verified, as I was able to send EUR to Coinbase with the same bank account. I have earned the money myself and do not have any criminal records ( in specific I have no record of any violation against anti money laundry regulations ). 

If you could help me to receive my desperately needed funds, I would greatly appreciate that. Thank you very much. Since I do not hear back from Coinbase, you are my last hope to receive the funds. 

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

Since XXXX and as late as XX/XX/XXXX be trying to get TransUnion to comply with 15 USC subsection 1681b/ 1681 ( 2 ) ( a ) ( i ) and 1681s-3.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the presence of several hard inquiries on my credit report that were not authorized by me. I am requesting that XXXX and Equifax immediately delete these unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized hard inquiries in question are negatively impacting my good name, character, and my ability to qualify for new credit. As a consumer, I have the right to control who has access to my personal information, and I did not authorize any third parties to access my credit report. 

Furthermore, I have reason to believe that the furnishers of these unauthorized hard inquiries are unreliable sources of information. I have not had any business dealings with these companies, nor have I authorized them to access my credit report. Therefore, I can not verify the accuracy or legitimacy of their claims. 

I have attached a copy of my credit report highlighting the unauthorized hard inquiries. I request that XXXX and Equifax investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. Please provide me with written confirmation of the deletion of these inquiries within 30 days. 

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: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccuate information in my credit report. This agency has not resolved the issues and therefore is not in compliance with FCRA laws.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all adverse remarks for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, specifically under 15 USC 1681 Section 602 ( a ), emphasizes the importance of consumer reporting agencies such as XXXX and XXXX handling their significant responsibilities with fairness, impartiality, and a respect for consumers ' privacy rights. As a consumer, I hold the right to ensure my personal information is not indiscriminately shared, a right supported by 15 USC 6801, which mandates financial institutions to honor their customers ' privacy and protect their nonpublic personal information.

Under this regulation, the entities furnishing information to credit agencies are recognized as financial institutions. Additionally, 15 USC 1681 Section 604 ( a ) ( 2 ) explicitly states that consumer reports can only be furnished under specific conditions, XXXX being the explicit written consent of the consumer involved. Therefore, without my written authorization, Trans Union, XXXX, and the information furnisher do not possess my consent to distribute my information. 

I hereby revoke any form of consentbe it verbal, non-verbal, written, implied, or otherwisepreviously granted to Trans Union, XXXX, and the information furnisher regarding the sharing of my personal information. Moreover, according to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to third parties without informing the consumer of their right to opt-out, which I was not made aware of.

Furthermore, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from reporting any adverse information older than seven years, except for criminal convictions. The accounts in question are adverse items being reported without my consent, violating this stipulation and have been included in a FTC Identity Theft report provided to both XXXX and Trans Union XX/XX/year>. This neglect not only compromises my financial integrity but also directly contravenes 12 CFR 1022.3, which defines identity theft as a fraud committed using another person 's identifying information without authority. Furthermore, XXXX and TransUnion 's inaction breaches 15 USC 1681e 's Compliance Procedures, specifically sections A and B, which mandate consumer reporting agencies to ensure the maximum possible accuracy of the information in their reports.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing consumer information to reporting agencies if it is known or suspected to be inaccurate. 

Trans Union and XXXX 's failure to adhere to 15 U.S. Code 1681e, which requires the maintenance of reasonable procedures to prevent violations and limit report furnishing to authorized purposes, demonstrates a lack of compliance with these regulations. Also, as per 12 CFR 1016.7, consumers have the perpetual right to opt out, which I am exercising now by opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX # XXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX  # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions off the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Account : XXXX XXXX XXXX Account : XXXX Open Date : XXXX XXXX, 2023 Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

Today I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify as accurate : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting

Equifax is knowingly reporting an incorrect balance and payment status for an account that was settled with XXXX XXXX. I initially disputed the above referenced account with Equifax in XX/XX/XXXX under the Fair Credit Reporting Act ( FCRA ) but the account apparently was verified. I subsequently disputed the account directly with XXXX under Section 623 ( a ) ( 8 ) ( D ) of the FCRA multiple times, eventually even filing a complaint with the CFPB under this Federal law. XXXX response was, and I quote : '' Our records indicate that we received a payment of {$21000.00}, which settled the XXXX account ending in XXXX. XXXX notified the consumer reporting agencies the XXXX account ending in XXXX was settled. We have investigated your complaint and found that XXXX furnished information relating to your account in accordance with industry guidelines. In response to your complaint, XXXX verified the XXXX account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. " In support of XXXX claim of correct reporting, XXXX is correctly reporting the balance as zero, with a payment status of " Settled, '' which indicates that XXXX is correctly reporting the information but that Equifax is ignoring the corrected information from XXXX and continuing to knowingly report false information to my credit report to my detriment!! This represents a blatant violation of the FCRA!!! 
I have attached the settlement letter from XXXX and the Certificate of Satisfied Judgment as proof of the settlement as well as a partial credit report, dated XX/XX/XXXX showing the false reporting.
Product: Money transfer, virtual currency, or money service

Cash app locked my account and told me I had to open a real bank account and link my debit card. XXXX at XXXX XXXX OH told me that it can be done for sure so I opened the account at XXXX!!! And tried to connect my Debit card to cash app and its saying XXXX has changed this feat and I need my funds to be transferred from cash App to XXXX PLEASE FIX THIS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Debt collection

I received a bill from XXXX on XX/XX/XXXX for {$62.00}. I called XXXX to ask about the bill, and check their records. I did not have a phone number assigned with them, or any services or purchases, but was being charged a monthly bill. I made an account with XXXX to close the account in my name after I received the bill, but was unable to do so online. I requested and returned a fraud packet to XXXX in XXXX of XXXX. The debt was then sold to a company called XXXX, and then one called XXXX, and now a company called Jefferson which continues to send me bills for this account I never signed up for.
Product: Credit card or prepaid card

The Company is in violation of the Fair Credit Billing Act, in taking actions with respect to a closed dispute that I never requested. I never contacted the Company to request a withdrawal of the dispute and a rebill of the transaction. Further, by the Companys own assertion to the CFPB, I was able to consider this matter closed by XX/XX/2021. In the absence of any countervailing communication on this point, the CFPB and I should be able to hold them to this statement.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus and placed a fraud alert and filed a FTC report on XX/XX/year>. Someone is still applying for credit without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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. 

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 and 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.