23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2021 ; XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2021 ; XXXX  XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$52.00} ; XXXX XXXX  XXXX Balance : {$620.00} ; XXXX  XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$370.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$59.00} ; XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) XXXX Balance : {$90.00} ; ( Original Creditor : XXXX XXXX XXXX Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

illegally reportings of late payments, payment history, and everything that is provided on my report that is inaccurate and that i did not consent them to report! under 15usc1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) G ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. 
Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX  ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting or other personal consumer reports

Not my account never been to Hawaii or asked any company in Hawaii to open a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020, I mailed a letter requesting an investigation of inaccurate accounts showing on my credit report. It has been almost 2 months and I still haven't received results of an investigation.
Product: Student loan

Trying to find out when my XXXX XXXX XXXX  will be discharged and refunded. They are still collecting and it keeps me from using that amount towards my other loans while they maximize profits from interest. I have reached out to them and say just to put in forbearance which would just create more interest. Aidvantage not giving me any information and its been a year since the Development of Education sent email for discharge.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and permanent deletion of accounts and inquiries listed below, which were fraudulently opened in my name due to a recent data breach. These accounts and inquiries were not initiated by me, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their removal from my credit report. 
Please remove the following fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My loan was purchased by Mr Cooper last year. Since then there have been data breach, no communication and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my report that are not mine 1.XXXX XXXX 2.XXXX 3XXXX XXXX
Product: Debt collection

on Monday XX/XX/2022. I XXXX XXXX contacted them to let them know the account REPORTED is not mine. I ask them why they are still reporting XXXX and XXXX when XXXX deleted and remove my credit report, WHICH I HAVE DOCUMENTS TO APPROVE!. I was giving a sum of {$190.00} of debt owe over the phone. When its reported {$900.00} on credit report via XXXX XXXX XXXX. Under 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. THERE ARE IN VIOLATION OF COSUMERER LAW AND PUBLIC LAW.
Product: Vehicle loan or lease

I have an auto loan with  Capital One Auto Finance.  I n     XXXX   XXXX   2016 I ra n into a financial hardship. I normally pay my auto loan from   XXXX  of   XXXX    accounts connected to  Capital One 's  back office. However, both of these accounts were unable to cover my outstanding balance. My auto loan payment is approximately {$550.00} per month and I had an outstanding balance of {$100.00}. I To cover this balance and prevent my account from falling into delinquent status, I connected another account. However, during the process I inaccurately entered the account information causing the {$100.00} payment to be returned. After realizing this error, I submitted a payment of {$100.00} to correct the error. However,  Capital One  reported my account as 30 days late to the credit bureaus, which has adversely affected m y credit score.      I reached out to  Capital One via  phone and explained my situation to the representative who assured me they would look into my account.  Little did I  know they would only be submitted a dispute to the bureaus, which prompted an inquiry by Capital One and confirmation of the delinquency on my record. This is not what I was trying to initiate, as I understand that it was user error on my part that caused the issue.     I wanted  Capital One to r emove the delinquency in  Good Faith  as I corrected the issue and have never been late on my payment with them before. In addition, I have a previously paid off loan with  Cap One. So  after not receiving any assistance I reached out to the   Executive Office via email.
A representative with the executive office called me and assured they would look into the situation and call me back within 48 hour  s with a resolution. They did not ... I had to call again and a rep informed me that they would not be able to assist and that  Capital One DID NOT issue Good Faith corrections. This is false, as there are many examples of Capital One  working with their customers who have run into hardships. So I do n't understand why they would take a hard line with someone who uses both their auto and credit card services faithfully.     After receiving the turndown via phone, I reached out by mail to express my displeasure with their service and received a form letter stating that they would no longer be able to assist me in the process. Thi s one mistake on my part has lowered my credit score by over   XXXX   points. I am highly  disappointed as longterm customer and would appreciate a bit of commonsense and fairness with my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : - XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXXXXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1000.00} XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

someone opened or tried to open an account with my name and social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # 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, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charged-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page 13 of the  attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however, XXXX and Transunion have not removed this from my report. I have contacted the ( 2 )  bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

collection company keeps harrassing me all hours of the day they have contacted me over 4 to 5 times a day I don't know complaint keeps calling me and harrassing me I have never ordered their product XXXX XXXX this is a fraudulent activity that was on my account under my name I want this removed immediately this company calls me non stop from multiple numbers even when I asked them to stop they continued this is illegal and their tactics.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX XXXX i checked my consumer credit Report from XXXX, There where listed 2 collection accounts. 
XXXX. XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX  Acct # XXXX On XXXXXXXX XXXX  i sent Via Cert US Mail to both Collection Companies an Debt Validation letter. Requesting them to validate the Debts within 30 days. By XXXX the XXXXXXXX XXXX there where No replies, nor validation of the debts. 

On XX/XX/year> I notified XXXX by, Online and Certified US Mail that the 2 companies listed about where unable to verify the debts that they allege that i owe. on XX/XX/year>, i again Notified XXXX online. I have Contacted them by Via telephone and spoke with a lady named XXXX, She would not give me her last name not employee ID, SHE TOLD ME THERE IS NOTHING I CAN DO ABOUT IT and they refuse to remove them
Product: Debt collection

I have made serval attempts to dispute a debt with XXXX XXXX through all XXXX credit agencies. I have advised them XXXX times in the past XXXX days that this debt was made by illegally due to identity theft. The collection company has yet to remove this debt from my credit report.
Product: Debt collection

I had a collection for XXXX XXXX reporting by Receivable Solutions. They have been extremely rude in trying to contact me. They threatened my job and my property ( which is not legal in XXXX that I am aware of ). It is currently being reported at {$1000.00}. The original debt amount is reported at {$1200.00}. 
The SC Dept of Revenue withheld {$1100.00} for this specific bill from my state tax return. I have the proof. 
Receiveable Solutions refuses to take it off. I have contacted them and contested it through the credit bureaus. They won't do it. This has happened before and it aged off. I am trying to buy a home. It is ridiculous. I have the documentation that it was paid.
Product: Credit reporting or other personal consumer reports

I have sent Experian multiple request to investigate Inaccurate information being reported on my credit report, Experian Has FAILED to proof or even provide the accuracy of the accounts reported or disputed, that violate my rights under FCRA.
Product: Money transfer, virtual currency, or money service

I had a Coinbase Account with Virtual Assets in it. The account was hacked. The hacker bought more currency against my knowledge then transferred all the assets out of the account. I was not notified UNTIL my bank flagged a purchase request for {$25000.00}. I called and immediately. Reported the fraud. Then went on to report the unauthorized activity and ask if I could seek recovery from Coinbase. For the last year, I generated multiple support tickets, tried to call them, sent separate emails. Coinbase initially confirmed that the issue has been reported and that they would reach out to further help me with the case. Instead, I would not get any more contact and the ticket would be closed. Coinbase also consistently locked my account over and over. Then filed yet another support ticket, again they locked the account. I got it unlocked recently only to discover that Coinbase had not help me with recovery or reported the fraud. They were also trying to charge me an additional {$2500.00} on top, with claims they will be forcibly collecting it in 5 days. I have already notified my bank to stop unauthorized transactions from Coinbase.

I would like to recover the funds stolen and stop coinbase from trying to collect funds they are not owed. 

This is how much the hacker stole from my account without any warning from coinbase. 
Sent Bitcoin XXXX BTC on XX/XX/2020 Sent Litecoin XXXX LTC on XX/XX/2020 And now this is what they are trying to charge on top Coinbase Charging {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( d ) ( 3 ) this company is in violation as in regards to Medical Information. There is no permissible purpose for this third party who I never contracted with should have my private information. I never directly or indirectly gave this company to contact me through ANY medium and using the CRA 's is a form of communication federally. As a private flesh and blood woman I was violated.
Product: Debt collection

I am filing this complaint regarding the inaccurate item of account number XXXX from Credence Resource Managment that continues to impact my score negatively. Despite my efforts to have this resolved with the collections agency, it remains inaccurate and unresolved. I request immediate investigation and removal of this item, as it is, incorrect and does not Reflect my true credit history.
Product: Checking or savings account

I have an account for 3 yrs I ran up XXXX on my account and then it close right after I called several times to ask why my account is closed they could not tell me anything I'm still in abel to access my account I'm very disappointed in cash app services I did nothing Rong
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX isn't honoring the fact that the name they have listed as my legal name isn't correct. I've contacted them numerous times and they won't fix it. I only had the name they're showing for 1 year and I have sent them my ID and everything. Why won't they fix this? All my creditors have the correct name, so it isn't them like XXXX says. I'm so tired of dealing with this. It happened in XXXX and this is XXXX. Do I have to get a court-order, because Equifax is doing the same thing and it's discriminatory at this point. Equifax has locked me out of my account and attorneys are phobic & won't help me get to these credit bureaus. I bet XXXX has this going on as well, but I'm tired now. I don't think I established any credit accounts during the time my name was XXXX XXXX XXXX. 

They have a problem with me, because it's obvious when you change your first/middle names that it isn't due to any kind of marriage. Do they do married people like this? I bet not! People answering the phones are foreigners and don't care about me or this issue. They leave me on hold too long and then don't do anything when they answer. 

I can't give you all the dates that I have dealt with this, but your bureau doesn't seem to do anything either. Why not? I can't afford an attorney. I will sue if this isn't corrected. Punitive damages will cost these companies, because this is beyond annoying and rude. They are being fraudulent, not me. Filing fees are less than lawyers fees.