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

Experian, XXXX, and XXXX  are all reporting an account that is incorrect and has been for afew years now.. They all refuse to provide proof the account is mine and was 30 days late. the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX account # XXXX They are reporting 30days late on XX/XX/XXXX.. When contacting XXXX they have no record of this account. also number listed above as a contact is disconnected. 
I have disputed this account on XX/XX/XXXX and XX/XX/XXXX and once again the didn't do anything or provide any proof this account is accurate.. I now am demanding all three credit bureaus remove this account unless they can provide written proof this account is mine and I was in fact late. Otherwise I will be forced to pursue further legal action since this account negatively affects me getting another house.
Product: Checking or savings account

It al started on XXXX when I called bank of America y a wire didn't go trough, They said your accounts are is frozen since XXXX and they will close the account and send me a check then I called them again on XX/XX/XXXX asked them when they will close the account they refuse to give me more info, and they said they will close it XX/XX/XXXX when asked if they could reject all the merchant not be able to charge my account they refused to help me, as you can see i have money in the account and they refuse to pay them so I will have to pay to who gave the check all fees ( see attached ), then when I called them again the same day the said they will close it on the XXXX and when asked if I could take out the money they said no see statement it shows XXXX XXXX was and next day XXXX money in my account please help me its know 100 day and I still dint get back the money that they stole, I also have all recordings if you need thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( " XXXX XXXX ) is attempting to collect a debt that I do not owe. XXXX placed a negative inquiry on my Experian credit report alleging I owe funds to XXXX XXXX XXXX. XXXX  XXXX XXXX is not licensed in the State of Maine. XXXX XXXX XXXX attempted to contract a loan with me through fraudulent means. 

I contacted Experian in XXXX and disputed the debt however it remains on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Account XXXX XXXX XXXX # XXXX and 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

Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report by your agency. The accounts in question adversely affected my credit score. This information is reporting as inaccurate. My rights have been violated my rights according to the law by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide written validation of debts upon request. Additionally, the Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions obtain written consent before disclosing personal information to third parties. My Rights have been violated under both of these acts. 
I hereby request that you provide written validation of the debt and proof of my authorization for the collection of this debt and the disclosure of my information to third parties. If you are unable to provide this documentation, I insist that the collection account be removed from my credit report immediately. 
By the Fair Credit Reporting act and the Gramm-Leach-Bliley Act ( GLBA ) I exercise my right to opt out of having this information reported on my credit report and would like to remove it. 
My rights have been violated my rights according to the law by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not know who this debt collector is, I believe this information was bought without my written consent Violating the law under FDCPA 15 USC 1692 and FDCPA 15 USC Code 1601 where it pertains to charge-off accounts.

The Fair Debt Collection Practices Act ( FDCPA ) grants the right to request written validation of debts from debt collectors, ensuring transparency in debt collection practices. The Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to obtain your written consent before sharing personal information with third parties, safeguarding privacy.

Here are the laws for reference 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 an account without my written instructions.

Under 15 US Code 1692g ( a ) - Validation of Debt - This information was to be provided within 5 days after the initial communication of the collection and this information has not been provided to me. 
FDCPA 15 USC Code 1601 where it pertains to charge-off accounts.

In addition, the law of Reinsertion was violated under 15 USC 1681i 5 ( B ) ( ii ) The specific section of the GLBA that pertains to the protection of consumer information and the requirement for written consent for sharing information with third parties can be found in Title V of the Act, known as the Privacy provisions.

According to the GLBA I choose to opt out of having this information shown on my credit report. 
I expect full compliance with the FDCPA and GLBA laws in this matter. 
Thank you for your prompt attention to this request. 
Thank you greatly for your consideration in this matter. 
Sincerely appreciate the understanding. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have never lived at a XXXX property. This is not my account. It's the result of fraud.
Product: Mortgage

After filing my first complaint due to numerous telephone calls and not getting a response, This complaint is being filed as an additional amount of extensive telephone calls have been made to get information on a  Quiet Title Action th at is currently pending. We need an assignment or a corrective lien release -- We need to know the status of the  Quiet Title Action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my TransUnion credit report on XX/XX/XXXX and there was Chapter XXXX Bankruptcy listed in the public records on my credit report. This unverifiable information was Deleted from my TransUnion report back on XX/XX/XXXX ( please see attachments ). Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information 100 % with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters ( please see attachments from courts ) which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report TransUnion has also confirmed with me in addition to the courts that they use XXXX to confirm Public Records. 
My inquiry into the third party source ( XXXX XXXX  ) Data on XX/XX/XXXX and again on XX/XX/XXXX confirmed there are no bankruptcies filed under my name or social number ( please see attachments ). XXXX initiated a dispute with Transunion on my behalf on XX/XX/XXXX requesting for the Chapter XXXX bankruptcy to be deleted from my TransUnion file. As of XX/XX/XXXX XXXX TransUnion has fail to reply back to XXXX request to delete Unverified Bankruptcy information listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the permanent deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

Consumer Financial Protection BureauCase # XXXX and XXXX Citi Reference Number : XXXX This is in response to your letter of XX/XX/XXXX, which was sent to me by email in response to my inquiry through the Consumer Financial Bureau. 
In particular your letter quote that my AT & T Universal account ending in XXXX was permanently closed by Citi due to one or more late payments or returned payments in the past six months. Copies of our letters dated XX/XX/XXXX and XX/XX/XXXX are attached for your review. 
I did not find the attachment of the letters. Also upon checking my AT & T statements I did not find any late payments or return payments for the last six months before its closure. 
On the XX/XX/XXXX statement, it shows there was a return check fee of {$29.00} which was actually dated XX/XX/XXXX and the XXXX totals year-to-date is {$29.00}. On the XX/XX/XXXX statement, the XXXX totals year-to-date remains {$29.00}. So, that is no fees charged throughout XX/XX/XXXX to XX/XX/XXXX. So the reason for closing the AT & T account for late or return payments do not stand. 
As the account was closed for a reason that is not true, I request you to reopen the account to correct your mistake.
Product: Checking or savings account

There are several concerns noted in your report 1. Time is missing after XX/XX/XXXX. I only had IP address. 
2. When you reviewed the transactions, it doesn't make any sense. On XX/XX/XXXX, I was in XXXX  in the morning, then XXXX  during lunch, then XXXX  in the afternoon. I came back to XXXX  in the evening..Another example, I was XXXX XXXX ( XXXX  XXXX at XXXX on XX/XX/XXXX. Then I went to XXXX ( XXXX  ) at XXXX. Even with flights, I won't be able to fly between XXXX in 20 min. Another example, I was XXXX ( XXXX  ) at XXXX AM on XX/XX/XXXX. Then I went to XXXX ( XXXX  ) at XXXX on the same day. Even with rockets, I I won't be able to fly between XXXX in XXXX min. 
3. Based on those log in information, it looks like a main fraudster ( my fraudster boyfriend ) control the account. While others reviewing and monitoring the account. The account is comprised for sure and multiple people can log into it. Otherwise it can not provide any reasonable explanations the movement of the log in locations varies in such a short time. 
4. One more piece. I have witness ( my landlord and my co-worker ) to show where I am during your claimed location ( IP address ). I never traveled in 5 locations in 20 days in XXXX. 

Also I was a Wachovia customer before and my account was merged into WF in XXXX. So I want you to provide me a history of my account log in activities in the past couple of years. Since I wasn't sure how long your record can last for. So if you can find any history, I'm really appreciated. Also I want to review the log in after I reported the fraud. Do I log into the account in such high frequency? 

I've provided a copy of the arbitration claims. Please consider your evidence and the circumstance.
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. 

FOR 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Google Payment Corp. ( GPC ), which administers Google Play balances in users Google Payments account - refuses to redeem 4 Gift Cards of {$10.00} value each. On XX/XX/XXXX, I attempted to redeem these at the play.google.com/redeem webpage and received the message that " The code you entered has expired ''. The text printed on the cards under Terms & Conditions states " No fees or expiration dates applicable to this card. '' The website referred to on the card - play.google.com/about/card-terms.html that provides the extended Terms and Conditions - specifically says in Section 3 No Fees or Expiration. " No fees or expiration dates apply to this Gift Card or Credit. '' On XX/XX/XXXX, I contacted Google Play support at the link available through the Learn link. I corresponded with their support over 8 days with more than 6 email exchanges. I was repeatedly asked for the receipt for the cards, and if I couldn't provide a receipt, there was nothing they could do for me. As these were A GIFT, I do not have a receipt. You can find screen shots of the redemption rejection, and photos of the card with Terms and Conditions text. I can provide all 4 card codes upon request.
Product: Debt collection

I would like to request a copy of all documents verifying that I owe the debt to XXXX XXXX, Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed inquiries from your company that I dont recall authorizing. To my understanding, inquiries should only appear on my credit file with my explicit permission. 
XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Flagship Acceptance Corporation is refusing to refund my canceled Gap insurance policy premiums. The loan was paid in full on XXXX. They received check # XXXX in the amount of {$640.00} that was cashed by Flagship on XXXX. 

Flagship claims that they " don't know where the money went '' after they cashed the check, so they are refusing to cut me a check. XXXX XXXX, Client Service Representative at XXXX XXXX XXXX & I sent them a copy of the check on XX/XX/2020, yet they still " don't know where the money went '' and refuse to refund this money which belongs to me. Flagship Acceptance has stolen {$640.00} from me the same as if they had held me up at gunpoint. Isn't this also insurance fraud? The non-English speaking individuals who answer their phones are unwilling to help or find someone at Flagship who is willing to help. I need CFPB to intervene so that I can recover my stolen money.
Product: Credit card

XX/XX/year> Spoke with XXXX from Chase Disputes. 

XXXX gave me erroneous information that the last day to file the dispute was XX/XX/XXXX which is false. When I called in on XX/XX/year> and spoke with a representative then, I that the last day to submit information was XX/XX/XXXX and I filed the information with chase on XX/XX/XXXX. 

Please investigate this phone call and XXXX and please inform me what the last day to submit information was for this case. 

Thank you.
Product: Mortgage

I submitted a request for my PMI to drop due to appreciation on my home on XX/XX/2024. I cited appreciation from market conditions and listed a few projects we have done that increased the homes value. Flagstar publishes an SLA of 30 days to respond to PMI drop inquiries. I followed up on XX/XX/2024 as they never responded. On my XXXX statement I still see the pmi. 

I want the pmi dropped.
Product: Money transfer, virtual currency, or money service

I got scammed by XXXX. It happened XXXX last year. I used Coinbase to convert dollar to XXXX to send to scammer. The scammer disappeared and my funds were lost. I contacted coinbase and tried to resolve. They weren't helpful. Hence i am filing the complaint. See attached letter for details.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting

On XX/XX/2017, I discovered XXXX ( XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Product: Mortgage

I called Citizens in XX/XX/2022 to remove my PMI from my condo that I purchased in XXXX of XXXX  as the value is significantly higher than when I purchased it. The updated value estimation combined with the amount of principal I've paid to date, I have over ~30 % equity. 
After multiple calls over multiple days, I was able to get in contact with a loan officer at Citizens who said they would put in the request to send me the letter detailing what I needed to do. No one else at Citizens ' mortgage phone system seemed to have any clue about how to reach their PMI department. Citizens sent me a letter explaining the criteria to remove PMI, which stated I must have at least 75 % equity and owned the property for at least 2 years ( which I should easily qualify for ). The letter also stated I should send a check for a BPO ( {$150.00} ) or an Appraisal Single Unit ( {$320.00} ), but did not specify which amount I should be sending the check for or how to obtain that information. 

I then spent another 1-2 weeks calling Citizens mortgage phone system nearly every day once XX/XX/2022 hit ( 2 years on my condo ) until I was able to get ahold of someone else who stated they could not give me the PMI department 's phone number but would have someone reach out to me. I spent a week waiting for a call to no avail. I then called the phone system for another couple days until I got someone else who said the same thing. Finally I got a call from a " XXXX XXXX '' ( XXXX ) on XX/XX/2022, who left a voicemail stating she would send me the letter packet that I had already received nearly 4 months ago! 

I immediately called her back but no answer, and left a voicemail explaining how I only needed to know which amount to write and send the check for. It has now been two full weeks without hearing back from XXXX XXXX or anyone at Citizens ' PMI department. I have been leaving voicemails for XXXX XXXX every other day asking for that simple answer so I can remove the PMI from my mortgage. It is as if Citizens is refusing to let people request PMI removal early, against the law.
Product: Credit card or prepaid card

A retail card was open in my name I never opened this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant understand how this is happening to me. I have a fraud Alert on my credit files, how is it possible that these company that i did not give consent to, is able to open accounts using my personal Information.  theses Account are fraud i did not authorize anyone or any company to open these accounts i want them removed from my credit files Thank you.