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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Money transfer, virtual currency, or money service

Good afternoon, I created my Coinbase account back in XXXX and deposited about {$5000.00} dollars in it and used it to purchase Bitcoin. When I tried to get back into my account early XXXX I was unable to and made to change my pass code. When I logged back into my account the {$5000.00} of bitcoin that would now be evaluated at > {$20000.00} was gone. This leads me to believe Coinbase locked me out of my old account and created me a new one with {$0.00} dollars in it. I have emailed Coinbase multiple times and contacted their customer service people who are completely unresponsive. Unfortunately many people who I have spoken to about this have ran into similar issues and told me the only way to resolve these types of issues it to go through these types of channels as Coinbase will ignore issues like this.
Product: Credit reporting or other personal consumer reports

This account hasnt been reported in 2 months. 
The account has been paid in full and needs to be deleted from my report
Product: Credit reporting or other personal consumer reports

A hard inquiry appeared on one credit report and was blocked on another credit report which was already frozen. The inquiry was made by XXXX XXXX with my contact information. I have open accounts with XXXX XXXX, but had not applied for any new accounts. XXXX  XXXX did not tell me what information was used on the new application under my name.
Product: Debt collection

Received a judgement against my previous landlord. After factoring the monies paid toward the deposit when i moved into the resident no money was owed. The management company sold the account to a collections agency for {$8500.00} when judge ordered no money was owed. I sent the judgement to the collection agency and they reported the money to the credit collection agent IQ Data, Collection company said they dont care about the judges ruling. I questioned how they even came up with the  figure reported and they refused to send me a detailed statement.
Product: Mortgage

I am in foreclosure with a sale date XX/XX/2019, the new underwriters who purchased the certificates from other lenders did not complete my disagreements with my previous services who were found to be negligent by CFPB CEO. The damages were not corrected the demands were placed on me as the consumer and reported to the highest banking and court organizations by myself and not resolutions has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I pulled my report I notice that there were accounts appearing on my report that I am not aware of where it came from. Listed below are the items that I wanted to be deleted from my report due to identity theft. 
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: Mortgage

We tried to refinance our existing mortgage with same XXXX bank that presently holds our mortgage at a higher rate. 
Everything was great, new lower rate, very high credit scores, more money in XXXX bank than our mortgage balance, we are putting 80 % down. It all went smooth till a couple days before closing the said it was unacceptable property type but it is same property we have been paying a higher rate on the last XXXX years. This also coincided with news of higher interest rates and world affairs.
Product: Money transfer, virtual currency, or money service

I used Coinbase to transfer money to a demonstratively scam site utilizing what looked like the Coinbase logo among others on the front page. Please see attached.
Product: Credit card

XX/XX/year> payment of {$300.00} not recognized XX/XX/year> email requesting payment unagle to log in each time I check my account and make payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was originally XXXX XXXX account that was deleted XX/XX/2017 and was sold to this computer. I was never notified about account being sold to collection agencies when the originally creditor removed the accounts.

XXXX XXXX XXXX XXXX Account is reporting late payments but I was never late or either in school, which the loan officers was contacted.
Product: Credit card

I am filing this complaint against TD bank due to their failure to provide the required initial privacy notice as mandated by 15 U.S. Code 6803. This violation has resulted in the improper sharing of my nonpublic personal information with consumer reporting agencies without my informed notice. 

Detailed Summary : 1. Lack of Initial Privacy Notice : According to 15 U.S. Code 6803, Td bank is required to provide a clear and conspicuous privacy notice at the inception of our customer relationship. I do not recall receiving such a notice at the start of my relationship with [ Company Name ]. 

2. Violation of Federal Privacy Laws : The absence of this required initial privacy notice constitutes a violation of federal privacy laws. This failure to comply with legal requirements has compromised the transparency and understanding of how my personal information is handled. 

3. Improper Information Sharing : Due to the lack of the required privacy notice, I was not informed about TD bank 's policies and practices regarding the sharing of my nonpublic personal information with consumer reporting agencies and other third parties as allowed under section 6802 ( e ). As a result, TD bank has shared my personal information without providing me with adequate notice.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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: Debt collection

TRANSWORLD SYSTEM is in Violation of 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

This company was deceptive by sending me past due bills, late fees, etc. and reported late payments to my credit report which is another violation when they were aware that the debt was paid from the first day I did business with this company which is once again fraud. Collecting on debt that has been by law is fraud.
Product: Debt or credit management

as of XX/XX/year> spoke to XXXX XXXX XXXXXXXX XXXX XXXXXXXX CENTRAL PORTFOLIO CONT XXXX XXXX XXXX  XXXX I have requested a purchase agreement and asked him what was this collection for he said a from a Hospital Bill ( XXXX XXXX ) the amount in question is {$1100.00}. then i asked him will he send me the purchase agreement and in his words " i can see what i can do ''.
Product: Checking or savings account

On XX/XX/XXXX I went to get a withdrawal of {$10000.00} dollars on the location XXXX XXXX XXXX XXXX suit XXXX XXXX XXXX tx XXXX. 
The person who took care of me asked me so many questions and told me to go inside the lobby just to ask more and more questions to the point that I feel very uncomfortable and overwhelmed. I tried my best to be nice and get out of that situation I FEEL DISCRIMINATE BY HER AND ATTACK!!! 
They only give me {$5000.00} and told me to come back the next day ( XX/XX/XXXX ) Today i went back to withdrawal the other {$5000.00} just to find out she froze my account because she want to know from where I'm getting paid. It is no fair to put me under this stress simply for not sasease the curiosity of an employee " manager '' who is asking me very personal questions. I have every right not to respond especially if this person is making me feel discriminated and personally attanked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XX/XX/21 - Someone is trying to take out a loan in my name with Upstart , Inc., I received notice via email. I called Upstart to try and stop the application from proceeding and they told me they couldn't do anything about it because I did not have enough of the contact information that person impersonated me provided in the application. I had the email address and my full name but they told me it's in their policy that they can not do any at all to stop the application if I do not have the address the person used to open the application.
Product: Credit reporting or other personal consumer reports

No company nor XXXX, XXXX, or Experian has replied to me within 30 days.The accounts on this affidavit are not familiar to me and I do not recall consenting to contracting with any or these companies to the best of my knowledge.Under the doctrine of estopel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.In attempt to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my hand written wet signature, and proof of you authority in this matter. With no evidence, you must terminate/remove these accounts/correct any erroneous reports of this debt as mines.I have no account with these company's.I ask XXXX, XXXX, Experian to the listed companies authorization, under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), that the companies have the right to collect the debts which are erroneous to the best of of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX  XXXX , XXXX XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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

Address wrong. Never lived in XXXX ever. 
Born in XXXX and never lived anywhere else except the XXXX. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX XXXX using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fox collection has failed to provide proper validation of the account they are reporting to my credit report. I have asked for validation, yet they provided a billing statement. I requested PROPER validation. I asked Fox Collection to provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. Fox collection has failed to do so. Also my credit report is not 100 % accurate regarding this account. XXXX is reporting this account status is closed, while XXXX and XXXX is reporting an XXXX status. Also the date last active under XXXX shows XXXX, XXXX shows XXXX & XXXX showing XXXX. This seems as if the account has been re-aged which is a violation of the FCRA. Please assist me with this matter immediately. 

thank you!
Product: Credit reporting or other personal consumer reports

I have made several requests to have the negative accounts on my report to be reviewed. Experian, XXXX, and XXXX is reporting a charged off account thats inaccurate, incomplete, and unverifiable, which is hurting my financial credibility. XXXX ( b ) says I have the right to dispute any inaccurate information on my report. XXXX bank is unverified, incomplete, and inaccurate. I have never been associated with the address this credit card account was created under. The payment history, address, balance, and activity are all inaccurate for this XXXX Account beginning with XXXX
Product: Mortgage

I have autopay setup on my Mr. Cooper account and it pays my mortgage every month. This month the autopsy went through on XX/XX/2023, when it should have gone through on XX/XX/2023. 

The second problem is after I paid my mortgage, Mr. Cooper did not post the transaction on my account.
Product: Debt collection

I disputed two accounts with Midland Funding, in their response to those disputes they stated that, I can not be sued for the debt because it was very old but they will continue to report to all three credit bureaus for missed payments or unpaid balance. At this time its hurting my credit report tremendously.
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. 

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 XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

This private loan has been an issue for a decade plus. I have been paying on it for over decade and somehow I owe XXXX XXXX more. This is predatory loan and it should be taken off my account.
Product: Student loan

I have a pending SAVE plan application ( submitted XX/XX/XXXX ) with Mohela. According to Federal Student Aid SAVE injunction guidance, I should have been transitioned from a processing forbearance ( interested accrued ) to a general forbearance ( interest not accrued ) after 60 days. Mohela never placed my account into general forbearance and stated that they need the signal from Federal Student Aid to transition my account to general forbearance. They could not provide any information regarding the timing of this. I performed this call on XX/XX/XXXX. So my account has been inappropriately accruing XXXX XXXX XXXX of interest for months on a principle amount of over {$300000.00} from XXXX  schools loans. I feel like Mohela is taking advantage of students and not following the FSA guidelines. It is incredibly frustrating, and I would like more transparency with this process, and for Mohela to be held accountable to follow the FSA guidelines.
Product: Checking or savings account

I lived in Illinois for 40 years and had a tcf account for about 4-7 years. I was so overcharged by TCF bank- Over {$500.00} plus prior I have constantly overcharged hundreds and hundreds of dollars. I finally dumped them and they gave me a bad credit report. My son had an account only for a year or so and he received a check.I should have received a substantial check as they milked me out of more than {$1500.00}. Plus the hours I spent talking to c.s. and going to the branch to try and work things out - which never prevailed. I should have been on this - was it because I moved? Thanks - XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries Request for Immediate Removal I am writing to formally dispute unauthorized hard inquiries that appear on my credit report in violation of 15 U.S. Code 1681b and 15 U.S. Code 1681n under the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I have identified the following inquiries that I did not authorize : XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX - XXXX ] XXXX XXXX XXXX XXXX  Date of Inquiry : [ XXXX ] XXXX  XXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX : [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXXXXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX  Date of Inquiry : [ XX/XX/XXXX ] According to 15 U.S. Code 1681b, consumer reporting agencies may only provide credit reports for specific permissible purposes, such as with my direct authorization or in connection with a legitimate credit transaction. I did not grant authorization for the above-listed companies to access my credit report, making these inquiries a violation of my rights under the FCRA.

Additionally, per 15 U.S. Code 1681n, entities that willfully obtain a consumer report under false pretenses or without a permissible purpose are subject to legal liability, including actual and statutory damages, punitive damages, and attorneys fees. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to

formally notify you that I am a victim of a data breach, and I am requesting that all accounts and inquiries related to the breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The following account should be blocked and deleted : XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Additionally, the following inquiries should be blocked and deleted : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My personal loan went to collections. The collection agency ( Popular Finance Services ) has been harassing me for payment. I am XXXX and can not work or afford to send them any payments. The total amount they are attempting to collect is {$790.00}. Their harassing collection behaviors include : 1. Coming to my house repeatedly, even after I asked them to stop coming. When I ask them to leave they refuse. 
2. They shout, they say hurtful and mean things to me. 
3. They laugh at me. 
4. They asked my son, who happened to be with me at the time, to pay the debt for me. They told him he was a bad son for not trying to help me with my bills. 
5. They told my daughter over the phone that she needed to pay the debt for me. 
6. They call me in excess of 3 times each day, but often they call from different numbers each time so I can not block them. 
7. They frequently call me after XXXX. 
8. They argue and badger me over the phone and in person, and do the same to my family, to pressure us to pay.
Product: Payday loan

Follow up to Case number : XXXX I am writing because a response was never received from this company. It is also reporting negative on my XXXX credit report. I request this be removed as their was no response from the company. 
The original complaint was sent XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! 
XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX - XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. 
My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.