23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XXXX, 2014. I noticed that a XXXX phone bill had appeared on my credit files. I requested that XXXX validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now Jefferson Capital Systems is coming after me. I have continued to request that they validation and they continue to allow this to report on my files.
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 name : XXXX XXXX XXXXXX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX 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 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, credit repair services, or other personal consumer reports

This is regarding the Equifax hack. The options provided on the previous screen did not fit this problem. 

In regard to the Equifax hacking - which took well over a month to be reported by Equifax - I was under the impression ( as per TV reports ) that I should go to XXXX and enter my information there so that I could find out whether my information was compromised. I entered all the information and the final screen read that my information may have been compromised.
Now I read in other news reports that my having checked whether I 'm affected may have rendered me ineligible to join class actions lawsuits against Equifax and/or TrustedID. This is outrageous. This is evergreen data. I can not change my DOB or SSN. If Equifax compromises my information and partners with TrustedID and they make it look like I 'm only checking whether I 'm affected - all the while stripping me of my rights - then I hope the CFPB will bring suit and prevent these shenanigans. 

I have done nothing to compromise my information and I had no choice as to whether Equifax has my information in its database. This is outrageous. Please protect us consumers from this. 
These credit bureaus are not optional. Our info ends up there whether we want it there or not. If they can not guarantee our data 's safety then they should be liable when they allow it to be compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XX/XX/2014  XXXX XXXX XXXX. I am not aware of where it came from or who used my information. SinceXX/XX/2014, I have been trying to get this account removed off of my credit.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

OnXX/XX/2020 my loan with PrimeLending was paid off. 
I had an Escrow account with PrimeLending for my property taxes and although PrimeLending knew I was paying off my loan ( a PrimeLending rep. " XXXX '' in early XXXX told me that PrimeLending 's policy is not to pay the Property Taxes when there is a payoff request-which XXXX said she shows in her system and I have a letter ) a property tax payment for {$2500.00} was made on XX/XX/20by XXXX 
XXXX is PrimeLending 's 3rd party vendor. 
The County of XXXX XXXX received a XXXX XXXX payment from Corelogic ( to cover multiple properties ) and it took the County until XX/XX/20 to allocate the payment and then refund XXXX for my duplicate property tax payment. 
My new lender had paid the property taxes ( simultaneously ) and they were accepted by the County prior to the XXXX  allocation and therefore the County refunded the duplicate payment to XXXX. The County provided me with the refund check # ( I  have ) and the amount ( about XXXX ) to XXXX! 
I have yet to receive my escrow/tax refund in the amount of {$2500.00}. 
I have called Primelending numerous times and asked for assistance. I've tried to escalate and I have asked to speak with a supervisor -but no supervisor will talk with me ). Please help. None of the customer service reps know what their procedure is. Basically the customer service say there is an open task -and it is with the tax accounting department. When I ask to speak to tax accounting, I'm told they are " back office '' only. My property taxes have been with PrimelendingXXXX  now for 60 days ( since XX/XX/20). My loan with PrimeLending was paid off 131 days ago. Did they steal my money? I am getting very nervous. 
I have tried to call XXXX but there phone system clearly states that it is the individual mortgage company that is responsible. Please, please assist me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received denial emails from cash app stating my disputes with XXXX were denied saying I had been refunded the money already. I asked for the proof considering XXXX banned my account and I cant see anything. Theyre email states contact support they would give me the information I requested. No ones given me anything every time I request it I get a generic answer and a complaint number then a sorry we closed the complaint and sent to there XXXX. On XX/XX/XXXX I contacted cash app via there online service showed them there tos and the police report asking after 10 months for my refund. On XX/XX/XXXX they changed there tos to make it to where my disputes were considered again denied. XX/XX/XXXX I sent an email attached all transactions and the police report for the XXXX XX/XX/XXXX fraudulent transactions that they considered authorized but based on your being the CFPB guidelines I did not benefit from the transactions in which case I requested a refund and was never answered I called them today was hung up on while on hold waiting for a manager. Went to cash apps online support Im currently talking to a 4th advocate the prior 3 have opened and closed my inquiry within minutes the 4th advocate states they cant see the dispute from the XXXX even though the customer support advocate via phone said it was there. 11 months Ive dealt with this and at every turn they change the rules and they deny me my CFPB protected right to a refund. Please see attached documents for phone logs and text logs from online support also please see that they refused to let me speak to anyone would not give me access to anything and be advised theyve banned me and my son one can only assume because of this.
Product: Debt collection

I have already made the credit bureaus and the collection company know that they are in violation of my rights. I have also filed a report with the ftc about the issue, Ive disputed this issue multiple times with the same result and no proof of validation or any response as to how it was validated, no documentation with my signature, no proof of debt or any transaction/payment history, no proof that this company owns the debt. I do NOT know this company, I do NOT have a contract with them and I did NOT give written consent to furnish anything on my consumer report. Multiple violations were made. 

In my dispute, I made you aware that you were in violation of the FDCPA. The response i received from your company over the phone was that it is not governed by the FDCPA and that it only applies to third party debt collectors and not creditors. At this time i am asking you to show valid proof that you are NOT governed by the FDCPA and that you are a creditor. Please also provide the audit trail of the transaction originated by you as well as the ledger, accounting documents and any other documents associated with this alleged debt and account. please be aware that a consumer contract is not sufficient evidence of a debt pursuant to Pacific Concrete F.C.U. V Kauanoe.

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 deletion of the account : EASTERN ACCOUNT SYSTEM INC Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX XXXX, MI. I never received a bill from them. On XX/XX/XXXX. I rceived a bill for {$180.00}, oo from XXXX. I sent XXXX and XXXX a letter invoking the FCRA. hey did not comply within 30 days and so pursuant o the FCRA there i no debt and I deny that tre was evr one. 

Nationwide recovery service wrote trying to collec {$180.00}. I wrote them to comply eithh FCRA and h comply withe the Fair Debt Cullction Practices Act On XXXX XXXX they posted a derogatory commeny with The credit aggencies andmy cred yport dropped 33 pointsNationwide acount # XXXX Creditor account XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today 's Date XX/XX/XXXX A couple of weeks ago I opened a savings account at a credit union.

The credit union asked me to temporarily un freeze my credit report so they could verify my identity and check for aliases.

I went to Experian 's website and completed the form for temporarily allowing access to may report.

Even though my online and phone inquiries confirm the unblocking of the account, the credit union is still being denied access. I am getting e-mail notices from XXXX/Experian saying they are blocking access.

When I have tried to call Experian, I am told there will be a 2 hour wait to talk with an agent. 

What can I do???
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was a teenager, my mother opened an internet and cable account with XXXX XXXX using my name and social security number. I was unaware of her actions, and she never once told me she had done so. 

Sometime in XX/XX/XXXX I received communications from a debt collection agency, XXXX XXXX of XXXX Florida regarding an unpaid debt with XXXX XXXX. After our initial contact, I spoke with my mother about this debt. She admitted that she had opened the account, and had never paid the final bill after moving. As such, I was stuck with the remaining debt and collections that were now added to my credit report. 

I contacted XXXX XXXX again in XX/XX/XXXX, and paid the balance of {$110.00} in full to avoid any more negative history on my credit report. At this time, I requested to have this negative remark removed from my report, which was promptly denied. 

This negative remark on my report caused issues while applying for various lines of credit in the years XX/XX/XXXX and XX/XX/XXXX, which pushed me further into a financial sink hole, while I was trying to fix and rebuild my credit. I contacted XXXX XXXX again during this time period, and was once again denied my request to have this negative remark removed. 

Flash forward to XX/XX/XXXX, and I am finally learning the ins and outs of how credit works and I am actively making sound financial decisions in order to build a solid credit history. This negative remark on my credit history, which is due to no fault of my own, is causing issues with my current credit health again as I am trying to access and utilize new lines of credit. 

I contacted XXXX XXXX a third time on XX/XX/XXXX in an effort to have this negative remark removed from my credit report, and was again denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$2100.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XX/XX/XXXX XXXX XXXX {$1400.00} Opened XXXX  XXXX, XXXX XXXX XXXX  {$780.00} Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX XXXX. I was living in the XXXX in XXXX and XXXX for XXXX XXXX so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX for XXXX XXXX. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.
Product: Payday loan, title loan, personal loan, or advance loan

my car needed repairs to the tine of XXXX, i got pre-qualified and then officially approved. it was income based and i had to put in my bank account information. after i got approved it said it was interest free for XXXX days and i let the XXXX XXXX know and they started repairs. after the repairs were finished XXXX XXXX called me and said they were done and they would send me the contract. the contract says i have to pay back the XXXX before the 90 days or the total automatically goes up to XXXX. om currently paying XXXX a month and it's automatically taken from my bank on pay day, processed XXXX days before so i have no option to stop it. i told them this interest rate was illegal and they said it wasn't interest it was a fee and i explained that they advertised it as interest free for 90 days but they're technically saying it's completely interest free and there's just a huge fee and this advertising makes no sense. I'm trying to get a loan to pay it off but i don't have the best credit and everywhere wants a secured loan and i have a bonded title and can't put my vehicle against the loan. the current loan is killing me and i have no options for a co signer and no idea what to do. i didn't get the full terms of the contract until after the repairs were done and i had no choice to sign. in order to pay it off in time I have to make XXXX monthly payment of almost XXXX from the beginning instead of the XXXX monthly payments of XXXX I'm paying. I've barely managed to stay afloat but I'm now overdrafted and i won't be able to pay rent on time this month. i don't know what to do
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these account does not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I have a loan with ALLY FINCL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and ALLY FINCL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Prepaid card

I purchased a digital {$300.00} American Express Gift Card at XXXX ( XXXX XXXX ) and it doesnt work anywhere. Its denied at XXXX, XXXX, XXXX, XXXX, and I cant add it to my XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I am going to recap to quickly rehash the theft and reason for the case to be open. The value of my account on XX/XX/XXXX prior to the theft, was XXXX. After the theft I was left with XXXX. Coinbase admitted negligence a year later, and on XX/XX/XXXX sent XXXX. I then responded to Coinbase again using the same case number asking for the remaining balance due to me. Coinbase never replied to my attempts at contact. All of the sudden I received an email in regard to a deposit of XXXX on XX/XX/XXXX. This leaves a remaining balance of XXXX. I am still looking for the full balance returned from Coinbase. They have admitted fault and have paid almost all that is due to me. I am just asking that the remaining XXXX be returned to me. 

Furthermore, I'd like to draw attention to some unusual activity on Coinbase 's Website. I have a screen capture from XX/XX/XXXX of My Assests selected to All- where you can see the XXXX that was in my account prior to the theft. I went in XX/XX/XXXX to My Assests selected to All and now there is no record of XX/XX/XXXX. I am unsure how the account history can be altered so dramatically. Is this legal? I am attaching the screenshots for your reference.
Product: Money transfer, virtual currency, or money service

Hello, As of XX/XX/2024 I no longer have access to XXXX ETH and XXXX USDT which are my assets in the Coinbase Wallet. I changed my XXXX taking necessary backup of the phone itself but never understood that the Coinbase Wallet would need a separate back up of 12 seed phrases. I never used them as I created my wallet recently and only had access through the bio-metrics of XXXX. In fact never knew about 12 phrases. Coinbase support told me I no longer have access to my XXXX usd! 
I believe that Coinbase Wallet should compensate me or help access my assets. 
XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the two 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have w now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus TransUnion, XXXX and XXXX, although XXXX is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand all negative items to be removed not accurate. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system Equifax removed my XXXX XXXX  I demand XXXX XXXX to also remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to correct the balance/status that Wells Fargo is showing on my credit report with XXXX, This house was sold and paid in full XX/XX/XXXX. 
XXXX is showing the status as " Open/Never late. Deferred, payments begin XX/XX/XXXX '' with an outstanding balance of {$220000.00} as of XX/XX/XXXX. Neither of this is correct! 
I filed for bankruptcy in XX/XX/XXXX and the house was never reaffirmed so amount should have been changed to XXXX back then, but it was sold anyway on XX/XX/XXXX which also should have made this balance XXXX! This account is no longer open and payments are not due in XX/XX/XXXX?? This needs to be corrected immediatley, this is ridiculous! 

I've attached what I could from my Wells Fargo account showing it is paid in full and balance is XXXX. No statements have been available since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw something in Collections that said debt recovery solutions. I have never had any thing in collections. The amount says {$310.00} and that it was opened this year. I never pulled out a loan this year, nor have I even been able to get accepted for one. Someone must have stole my information online which is weird because I cant even get approved for a loan with how low my score is. I have no idea how this happened. Its fraudulent. I never opened it.