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

I have inquired on my credit report that needs to be removed. I will provide the list of inquiries. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove, I'm a victim of credit fraud
Product: Debt collection

I have a a unverified account from ERC #  XXXX . I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C .1692 g,   I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following :  1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease  and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 my Coinbase.com account was illegally accessed and all my funds were withdrawn by a hacker. There are thousands of other people who have experieced the same issue for far more loss than I. The bad security allowed someone to gain access to thousands of accounts. My loss was less than {$3000.00} but they also gain access to my personal checking account to withdraw funds through Coinbase. They must be stopped please.
Product: Credit reporting, credit repair services, or other personal consumer reports

if the completeness or accuracy of any item or information contained in a consumer 's fie at a consumer reporting agency is disputed by me the consumer and i continue to notify all three reporting agencies since XX/XX/2023. 
XXXX. XXXX, experian .ive disputed all of the addresses which are wrong also reasonable reinvestigation are coming back lies and violations because no real party is corresponding their oscar system artifical intellegance isnt removing the violations section 611 ( a ) ( 1 ) the addresses and bankrupcy also all collections in accordance to paragraph ( 5 ). " Treatment of inaccurate & unverifiable information the courts letter ive uploaded previously proves my violations against me are 128 days pass remedies
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not finish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

i HAVE IDENTIFED THE REPORTING OF THE INFORMATION BEING REPORTING ON MY CONSUMER REPORT AS IENTITY THEFT. THESE TRANSACTIONS AND ITEMS ARE NOT RELATED NOR MADE BY ME. DELETE UNAUTHORIZED REPORTING INQUIRIES : XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. PLEASE DELETE
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PERSOLVE would verify the debt. So I took it upon myself to ask PERSOLVE for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

I sent letters that were not answered, ignoring my right to have accurate information about what they report about my credit, on the following dates : XX/XX/XXXX y XX/XX/XXXX Here are the issues with these accounts, and you can see the inaccuracy, incomplete, and unfair report. 

XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Please verify the 30 days late on XX/XX/XXXX ; otherwise updated as paid as never late XXXX. XXXX XXXX Account Number : XXXX Please verify the correct balance $ {$16000.00} ; $ {$16000.00} OR {$15000.00}. Please provide me with the historical payment and historical balance. Verify this account with my personal information XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Provide me the historical payment and balance. That doesn't match the information in the records. Suppose you can't do that. Delete it. Why is the {$750.00} High Credit and the balance of {$1700.00} for installments account.

Please send me an updated credit report once you have made the necessary deletions.
Product: Credit reporting or other personal consumer reports

15 us code 1681a transactions are not supposed to be put on an consumer report
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I disputed them and they remain on my credit report!
Product: Debt collection

I forgot in my initial date I was using XXXX XXXX and this debt was in their hands and never was done
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I applied for the Citi Bank XXXX XXXX XXXXXXXX Mastercard card, Application ID XXXX. The application was denied with the following official feedback from Citi bank " The credit privileges on your existing account ( s ) are currently restricted. '' The document is attached. 

Upon checking with the agent by phone on XXXX XXXX at about XXXX, I was told the account was not approved because I had a Citi card that was closed over 10 years ago and because I had 1 late fee on my Citi Simplicity Mastercard. The agent instructed me to speak with XXXX. At XXXX, I spoke with XXXX XXXX at XXXX. I read the notice received from Citi Bank and he reviewed my credit file with me. He noted that when I applied for the credit card back on XXXX XXXX Citi bank went into my credit file and make a remark on my old credit account that had an open and active dispute. The account was opened back on XX/XX/XXXX and was closed with the last activity being over 10 years ago upon the account 's closure. 

We both spoke with XXXX ( in Kentucky ) at Citi bank and her supervisor, XXXX in Maryland. I explained to them that my old credit file should not have been used to make a decision and that is unfair. They said there is nothing else that could be done at this time. Because of this, I am reaching out to address Citi Bank 's unfair lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and found the following items to be in error : Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX XXXX account ; Payment history is incorrect for XXXX XXXX XXXX  account ; Payment history is incorrect for XXXX XXXX XXXX account ; 30 date late is incorrect for XXXX XXXX XXXX account ; Per the Fair Credit Reporting Act, I demand that these items be investigated and corrected as individually requested from my report. I understand that you will verify these items with the creditor who has posted them. Please delete or correct any information that the creditor can not verify as I have instructed. I understand that you must complete this reinvestigation within 30 days of receipt of this letter and have results returned to me within 45 days. Please send a COMPLETELY UPDATED copy of my credit report to the above address. According to the FACTA act, there shall be no charge for this updated report.
Product: Credit card or prepaid card

The account was initiated on XX/XX/XXXX at approximately XXXX XXXX, due to an emergency with my cat at the XXXX XXXX XXXX. We had been quoted by staff at the XXXX XXXX XXXX XXXX the emergency costs could be as much as {$3000.00} which would be a huge burden to our family. The XXXX XXXX had advertisements for Care Credit so we completed an application from my cellular phone while in the waiting room. The application stated there would be no interest for a specific period. At no point did I see anything about " credit protection '' services which would not be something I would take because this is protection for someone who could lose their job and not be able to make a payment. I have been at my job for more than 20 years. 
After receiving the first statement in XXXX of XXXX my husband made our first payment. We did not notice there had been an additional charge added to the account for credit protection. In XXXX of XXXX, we had a family emergency that landed my father in the hospital and after 12 grueling days he passed away. My husband noticed there were charges being added to the bill which he called Syncrony Bank, the servicer of Care Credit. They explained all the charges to him however they refused to cancel the credit protection. Today, XX/XX/XXXX I called Syncrony Bank, the servicers of Care Credit and asked about the credit protection services. The representative explained I would have needed to " opt-out '' at the time I applied for the credit, and then went on to explain this is serviced by a third party and I would need to be transferred. The process was very convoluted and I can see how many people get stuck with this charge. The representative did cancel the credit protection for me, but refused to back-date or remove any other fees. I asked how I can escalate this or contest this and they said it was impossible. I explained that requiring someone to " opt-out '' is a hidden predatory credit tactic and they didn't have any response. I have attempted to resolve this with the credit company/bank . This predatory measure needs to be resolved. A customer, who is in a difficult situation when applying for emergency credit, is not going to be in a clear state of mind, and would not be thinking they need to " opt-out '' of something in order to proceed. This is a much more serious matter than just my personal expense of {$100.00} in credit protection fees added to my account. Additionally, it is not clear how my payments have been applied to my account with the fees. There is supposed to be interest-free on the care credit if paid within x amount of time. It can be seen on the statement they have applied different buckets to the charges and started to charge interest on the credit protection services which is absolutely unacceptable. My statement dated XX/XX/XXXX shows {$1.00} in interest charged from the credit protection services balance.
Product: Checking or savings account

My name XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : {$8600.00} On XX/XX/XXXX I requested XXXX and I was told told it would take XXXX to 3 days.Well I called every Day.On the third day they reversed it and basically was like I never even did it.So I called back an said I wan na close my account from then on they have made it where I have no access to no of this money.There going as far as saying they can't verify me but I have answered every single security question and it's all on there recorded line.And I have the XXXX digit pin they've sent me several times.
Product: Student loan

According to the information on my profile I have paid by over $ XXXX to my loan that had an original balance on it of $ XXXX. I did defer it a couple times right after college but it has been paid consistently without one late payment for 7 years. From XX/XX/XXXXthere are capitalized interest additions totaling something like {$8900.00} because of deferments I apparently put into motion, but in addition to those capitalized interest charges, were late fees. I have been paying on this load since XX/XX/XXXX. I understand there may be significant interest, but this is crazy. I am going backwards and terrified. I spoke with a woman XX/XX/XXXX for over an hour who was rude and condescending. I spoke with another woman XX/XX/XXXXwho was nicer but had no interest in helping. 
This all came to light when I noticed my payments were not being deducted from my bank account. I checked on the Navient website and found my account was put into deferment. I did not request a deferment nor did I authorize one. So no months later ( because I did not realize at first ) I was given the option of paying all of the monthly payments at once and late fees or the capitalized interest in the amount of {$970.00} for a deferment I never requested or authorized. 
I have asked for assistance in repayment options to help find ways to see the reduction. I have asked for a breakdown to better understand how this can be a truthful business operation and not a scam. How am I going to help my son with his schooling? 
I would like loan forgiveness for the remaining balance of this loan. A $ XXXX loan over 20 years at 6.5 % is $ XXXX/month. I have already paid this off and then some. 
Please help. XXXX XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # : XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID XXXX XX/XX/20 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: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelles handling of disputes, particulary in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my finacial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns and consumer safety.
Product: Debt collection

NCB Management, a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the alleged debt account. Also, there is inaccurate information being reported like no payment amounts, or dates.
Product: Credit reporting or other personal consumer reports

All of this inquiries were not authorized by me. 

XXXX XXXX XXXX - XX/XX/year> XXXX XXXX Auto Financing XX/XX/year> XXXX AMERICREDIT Auto Financing XX/XX/year> XXXXXXXX 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

XXXX, Transunion, and XXXX have fraudulently reported a XXXX  XXXX Bankruptcy on my credit reports, first of all Courts don't provide any information to any 3rd party which includes credit reporting agencies such as XXXX, TRANSUNION and XXXX. 


XXXX XXXX XXXX REF # XXXX How did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose. 

15 USC 1681b In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 USC 1028A Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report.

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.
Product: Bank account or service

I have an account with Citibank and they no longer have branches in Texas. However I am not qualified for mobile banking deposits. I was told they make exceptions but they are refusing to make an exception. The only option I have is to mail a check in with a two week turn around or to overnight the check which costs quite a bit. I find this unacceptable. I have talked to many supervisors. This does not seem fair.
Product: Money transfer, virtual currency, or money service

Venmo has my account frozen with over {$3300.00} in it. Asked me to submit my ID.. I submitted my ID. Over a week later they tell me they can't accept my ID ( although it's valid and not expired ) and asked me to submit my ID AGAIN and then take a selfie with it. I did the same day. Once submitting these documents, again DAYS later I get a response that they are closing my account- and can't tell me why. They then say I can't access MY money for over 180 days. This is a reoccurring issue with them. They lock users out of their accounts, don't verify why and say they can't tell you why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because experian keeps on reporting false information on my credit report and it is causing tremendous problems for me. I have been trying to fix this problem on my own non stop but as soon as I fix it they add another fraudulent credit inquiry to my report. I don't know if it's a XXXX issue or what but I always pay my bills on time and experian for some reason keeps adding credit inquiries to my report in order to drop my credit score when they don't even belong to me. I am XXXX  and a victim of identity theft and experian has been told that a number of times but they keep adding inquiries to my credit report anyway even though I tell them it's fraudulent and have provided proof. I am sending my police report again please make them remove these fraudulent credit inquiries and adjust my credit score to where it should be. This company needs to be investigated because they keep false reporting and I feel like I am being targeted because I am XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This month i found out that someone opened accounts under my name without my knowledge
Product: Credit card or prepaid card

Several times I reached out to Navy Federal Credit Union concerning my outstanding account balances. I had multiple conversation with several Customer Representatives about my account status and problems receiving my statements in the mail. Not receiving my statements became a big problem because it cause my accounts to fall in a seriously negative status over and over ag  ain. Navy Federal representative stated that they upgraded their software last year. After the upgrades they had several customers that did not receive their statements. I also had reached out to the credit department and their solutions team and they also reviewed my accounts and apologize over and over again and repeatedly stated that they would my derogatory credit history.
I had several 2 hour phone conversation being on hold several times, bein  g transferred back in forth. At this time I do n't see any changes made to my accounts.
Product: Payday loan, title loan, or personal loan

I was called at my job when I verbally told them not to call. I have no idea how they got my number at work I explained to them numerous times that I work late I sometimes get off after XXXX XXXX  and I dont have access to a phone at all times. When called about them calling my place of employment they act they knew not to call already.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within XXXX business days of receipt. XXXX XXXX violated my consumer reports on XX/XX/scrub>/2024 without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding multiple fraudulent accounts and inquiries that have appeared on my credit reports with all three major credit bureaus ( Equifax, XXXX, and XXXX ). Despite multiple attempts to resolve these issues directly with the credit bureaus, these fraudulent entries have not been removed. 

Details of Fraudulent Accounts and Inquiries : Accounts : XXXX XXXX XXXX, open date XX/XX/XXXX XXXX  XXXX XXXX, open date XX/XX/XXXX XXXX XXXX / XXXX, open date XX/XX/XXXX XXXX XXXX, open date XX/XX/XXXX Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Equifax Mortgage Sol, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 's XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Attempts to Resolve the Issue : I have sent multiple dispute letters to the credit bureaus using my legal rights under various laws including : Section 609 ( a ) ( 1 ) ( A ) 12 CFR 1006.34 ( b ) ( 5 ) 15 USC 1681 I have also informed the bureaus that I will pursue legal action for each fraudulent account and inquiry left unresolved, demanding {$1000.00} per account and {$10000.00} for pain and suffering due to my inability to rent or buy a house.