23daVinci/CFPB_Complaints huggingface dataset:
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 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. section ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

The info below, doesnt belong to me and i have tried many times to get it removed from my credit report and it is pulling my score down. below is all the details to what i do know. 

XXXX XXXX Account # XXXX Amount {$200.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Caine Weiner for inaccurate and misleading reporting of an account on my credit report. The account referenced above is being reported with errors that I have repeatedly disputed, but no resolution has been provided to date. Caine Weiner is reporting an account on my credit report, which contains inaccurate information regarding payment history. Despite my efforts to resolve the discrepancies, they have not corrected the errors. I have sent multiple written disputes regarding these inaccuracies, but I have not received a timely or adequate response. The failure to address these disputes has resulted in continued negative impacts on my credit score. The ongoing inaccuracies and lack of timely resolution may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors and collectors to investigate disputes within 30 days and correct any inaccuracies. Caine & Weiner has a history of engaging in illegal business practices, including debt collection without proper licensing and violations of state regulations. I was never notified by the original creditor or this collection agency that this account was sold to a third party, raising serious legal concerns about the legitimacy of their claim.
Product: Checking or savings account

On Saturday I deposited my irs returned through mobile app and it said funds will be available on XX/XX/XXXX so I made payments for my son school and other things. On XX/XX/XXXX I got email saying my check wasnt acepted and to go and deposit it in the branch so I did but when I checked the account I was negative {$1400.00} On Wednesday morning I noticed I had 8 overdrafts fees of {$35.00} taken away so I called and asked to talk to a manager they said there was no way they could help and didnt care where the check was coming from it couldve come from the president and she didnt care. I told her that were going through this pandemic and should be able to help us not destroy us. Im a single mother that with a lot sacrifices Im taking care of my parents and my son. Please if you could help me.
Product: Debt collection

Please pay close attention! I have been a victim of identity theft. This has been an ongoing issue with the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX, collection agency ( XXXX XXXX XXXX ) and this collection bureau ( Experian ) I have been consistent with attempting to resolve this issue. For over a year I have been communicating via mail to dispute and calling them. Nothing has been done. 
I have reached my limit with Experian I have notified them about this but nothing has been done. I am a real victim of identity theft and neither the creditor or experian wants to rectify this. I have sent police reports ( see attachments ) to collection agency and creditor but none have responded regarding this. So I'm reaching for you guys help which I desperately need to REMOVE this account from my credit report. Immediately! This has affected my life so negatively. I need this removed As Soon As Possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian, is classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXXXXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). See Exhibit A. XXXX XXXX is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. See Exhibit B for the accounts I, the consumer, am speaking of. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. Experian is in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n.
Product: Checking or savings account

Navy Federal credit union gives me overdraft fees when I have sufficient funds available
Product: Money transfer, virtual currency, or money service

Hi, I am submitting this request regarding Coinbase 's glitch on XX/XX/XXXX where I made a Market purchase for BCH in USD for a total cost of {$3200.00}. During go-live sale for BCH on XXXX the price was jumping all around, to a point where it climbed up to a price of {$9500.00} where Coinbase had to freeze the exchange because of how out of control it was. 

My market purchase of {$3200.00}, was split into 2 purchases, XXXX BCH for {$5700.00} and XXXX for {$5900.00}. This granted me a total of XXXX BCH, short of what I should of received. Other exchanges did not have highs in the past months over {$5700.00}. 

I have submitted a ticket to Coinbase but have not received any support or call back on this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the information being reported to my credit by XXXX  XXXX, factor trust and Clarity solutions regarding the above-referenced XXXX XXXX XXXX Account XXXX XXXX account. This account, which was originated with XXXX XXXX and is now being handled by XXXX XXXX, contains significant inaccuracies that violate my rights under both the **Fair Credit Reporting Act ( FCRA ) ** and the **Fair Debt Collection Practices Act ( FDCPA ) **. I do not owe debt to either parties nor do i have a contract that states that. 
# # # Key Points of Dispute XXXX. **Debt Validation : ** I request immediate validation of this debt, including a complete itemized statement, and a copy of any original signed agreement with XXXX XXXX XXXX 
XXXX. **Proof of Assignment : ** I request proof of the legal assignment or transfer of this debt to XXXX XXXX XXXX along with evidence of XXXX  XXXX XXXX authority to collect on this debt. 
XXXX. **Accuracy of Reporting : ** Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) **, all reported information must be accurate. If XXXX XXXX can not verify the accuracy of the reported debt, it must be deleted from my credit report. 
XXXX. **Licensing and Bonding : ** Please provide proof of XXXX XXXX XXXX current licensing and bonding to collect debts in the state of Tennessee XXXX 
# # # Violations and Consumer Rights I believe that XXXX XXXX has violated the following provisions : - **FDCPA Violations : ** - **Misleading Communications : ** Per XXXX12 CFR 1006.34 ( b ) ( 5 ) **, debt collectors may not communicate in a misleading or deceptive manner.

- **Required Disclosures : ** Under **12 CFR 1006.34 ( c ) ( 4 ) ( i ) **, accurate disclosures must be provided to validate the debt.

- **Ceasing Communication : ** Under **12 CFR 1006.34 ( d ) **, I revoke your right to contact me regarding this debt. Continued communication would be a direct violation of this provision.

- **FCRA Violations : ** - **Maximum Accuracy Requirement : ** Under **15 U.S.C. 1681e ( b ) **, all information furnished to credit reporting agencies must be accurate. 
Given these clear discrepancies and violations, I formally request the immediate reinvestigation of this matter. If XXXX XXXX can not validate this debt or provide the requested documentation, I demand the prompt removal of this account from my credit report in compliance with **15 U.S.C. 1681i**.

Please provide a written response to this dispute within **15 days** as required by federal law. I expect that you will confirm the removal of any unverifiable or inaccurate information from my credit report promptly. 
Thank you for your immediate attention to this matter. I look forward to a timely resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there was a loan opened in my name from XXXX in the amount of {$3000.00}. Upon trying to purchase a car on XX/XX/XXXX I was notified that my credit score was very low. I went to Experian to see why my credit score was low, that was when I noticed the XXXX account ( among others ) on my report. 
I attempted to reach out to XXXX multiple times to resolve the issue, however I could not gain access to further information about the account because I was unable to answer the security questions or verify my identity. 
Finally I was able to work with someone in XXXX that allowed me access ( despite the security questions ) and was able to submit a fraud dispute. The dispute results were that the loan remained with a balance due. 
From there I submitted a police report, Affidavit, and am working with an Attorney to resolve the issue. 
I request this be removed from my credit report immediately, as the information on file is incorrect and invalid.
Product: Debt collection

According to XXXX XXXX XXXX ( A ) Communication With The Consumer Generally.without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( B ) If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XXXX used students as loan officers, students with no actual college degree. They didn't indicate how difficult it would be to repay {$150000.00} on a teacher 's salary. I am now a XXXX turned XXXX XXXX. I applied for the XXXX XXXX XXXX program and I know it requires about 10 years of payments. I'm XXXX by the way. Last year Navient processed my income based payment scheduled as making no payment all year. I'm afraid this may have kicked me out of the XXXX XXXX XXXX, and will result in having to start the 10 years all over. They tack on tons of interest that I'll never be able to repay at my age. This is hanging over my head and weighs down any possibility of a future, or even retirement. 
I even filed bankruptcy over 10 years ago, and was unable to stop the loans from growing.
Product: Credit reporting or other personal consumer reports

XXXX ) Account was opened without my full knowledge on XX/XX/XXXX due to the undisclosed party 's error. 

XXXX ) I discover the card was opened by the undisclosed party but it's an amount I can pay off on XX/XX/XXXX and I do have text messages to confirm it. The undisclosed party ended up apologizing and began looking for information for the card and the card itself. 

XXXX ) I finally get the card on XX/XX/XXXX. have a screen shot of me accessing the website of the card and of me swapping over from the undisclosed party 's bank account to my own for payments. 

The card however infect still removed money from the previous account, the undisclosed party 's account, that was tied to the account but was removed. 

XXXX ) I attempted to pay yesterday on XX/XX/XXXX but the transaction wasn't posted even into late this evening. I received no warning about how the card needs XXXX days to process payments. I tried to pay again earlier today, but continued to check all day with nothing confirmed. I check the account balance on the card this evening, around XXXX, to discover that the account is now showing that I overpaid the card with a credit balance of $ XXXX showing when the balance was a XXXX showed yesterday and up until tonight. I have a screen show proving that that was the balance. I only intended to pay {$300.00}. The company may try to remove {$600.00} from me instead of my desired {$300.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file. 

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report. 
2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete. 

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute. 

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

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

On XX/XX/XXXX I received notification from Midland Funding LLC, regarding a debt I allegedly owed, that was placed on my credit report. The debt they were referring to was for an account with XXXX XXXX  that was first reported as delinquent on XX/XX/XXXX. 

I had previously disputed this account as fraudulent several years ago and it was removed from my credit report. Now, years later it just shows up on my report without any warning whatsoever from Midland Funding. 


I immediately notified the company of the situation and requested the removal of this account from my credit report or provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened. 

I was a victim of identity theft years ago and this was one of the accounts involved. It was a lengthy process getting it done and it's frustrating to find out now that it apparently wasn't. 

I dont understand how a company can just do something like that without reaching out to me first regarding whatever issues they had. 
This is a good example of an unfair trade practice and borderline crosses the Fair Credit Reporting Act. 

I thought this was a closed matter, it appears not. Will you please assist me in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with this Fair Credit Reporting act 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 remove the following items from my credit report, immediately : First progress card
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

DISCOVER BANK XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2013 {$0.00} paid out. It close account it still on my credit report