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

As a federally protected consumer I am requesting any written authorization that was obtained by your company to use my information to give to third party agencies. 
as per the privacy act of 1974. 

as of any charge off accounts on my credit report which are closed is considered a certficate of indebtedness ... a certificate of indebtedness is income and can not be reported on any credit report also the law states that transaction history can not be reported
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : # XXXX, XXXX Vacation : # XXXX, XXXX : # XXXX show never late, 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: Debt collection

A total of {$1900.00} was billed to our current home address by a System, a debt collection agency working with XXXX. This has been happening for two months now, even though the debt is not mine. I have called in reporting the incident and have contacted by local police department.
Product: Debt collection

Collections Account s Skim d iscover after conducting an investigation in conclusion this account is a result of identity the ft 1. This  account is from the same original creditor as a medical billing note : account is been reported with  XXXX  collector as appear that both collector own same deb t 2. Another t hing to note as   is a violation HIPAA regulations in the United States prevent any medical documentation to be shared.
3. When I requested to credit bureau to conduct an investigation with requiring to summit documentation as part of verification medical debt collection agency responded as verified making their respond to be not valid proof as well the credit reporting agency did not follow proper investigation as they did not remove this account from my file is a violation on the credit reporting agency in this case was conducted by Equifax 4. So they could not provide the needed information to get the debt validate if they have the right to collect this medical bill they would have to have writing consent from the person HIPAA regulations as is required by law under the HIPAA 5. Proof of sign a HIPAA form when we go to the doctor or a hospital for services render to give them the right to view any medical record, and not having so, they could not have any detail information therefore making this another violation
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Wells Fargo let my checking account get overdrawn. This account was opened with Wells Fargo 's guarantee that this type of account was impossible to overdraw.
Product: Vehicle loan or lease

On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a certified letter requesting debt validation. This company failed to respond to the letter. On XX/XX/XXXX @ XXXX I called & spoke with a XXXX representative in regards of the XX/XX/XXXX XXXX XXXX. The representative informed me that the vehicle was auctioned off on XX/XX/XXXX ( shortly after repossession ). On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a 2nd certified letter informing them that the account was in dispute due to the companys failure of proper notification of intent to sell the vehicle per state law. The letter requested proof of notification within 14 days ; if no proof was provided the alleged claim of deficiency is null and void. As of XX/XX/XXXX XXXX XXXX XXXX hasnt responded to either of the certified letters sent.
Product: Consumer Loan

we purchased a new XXXX XXXX XXXX XX/XX/2016 We got the 0 % interest loan form 60 months and were approved on site. However two weeks later they said Experian reported negative things about us. 
We still got the loan, but want to have Experian remove the negative comments which are incorrect. My score was XXXX, and My wife 's XXXX. On other credit reports we are listed at XXXX and XXXX. 

Esperian states : " proportion of loan balances to loan amounts is too high. '' This is incorrect! We only have XXXX loan balances currently, a monthly house loan at {$1800.00} a month and a 0 % interest loan with XXXX for beds purchased last fall. 
We have n't had any major credit debt for close to three years. Our income is over {$120000.00} annually and we have no other debts Experian States : " too many inquiries last 12 months. '' We do n't know how " too many '' is determined. we did successfully refinance our home loan last fall, and got credit from XXXX. That should n't incur a negative on our credit rating! 

Experian also states, " Time since most recent account openings too short. '' WE have credit cards with XXXX that were have had for many years, which we use daily and pay off each month. 

We want Experian to remove all negative comments from our credit report!
Product: Credit card or prepaid card

I already made a complaint to CFPB about this request on XXXX ... XXXX but CFPB closed because CFPB does not pay attention to details. 

I am unable to obtain a reply from Capital One regarding status of overdue refunds associated with my Capital Credit Card and with Capital One 's Affiliate Program Capital One Travel. Total refund amount being sought is {$620.00} comprised of the following : XXXX {$250.00} Capital One Credit Card XXXX purchased on XX/XX/XXXX  / Vendor : XXXX XXXX XXXX XXXX confirmed 100 % refund on XX/XX/XXXX  via email of {$250.00} but Capital has not yet credited my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There is a few hard inquiries on my Transunion report that I didn't authorize. 
The banks and Transunion refused to cooperate to remove the hard inquiries. 
XXXX  and XXXX  helped me with these issues and have removed all the fraudulent hard inquiries. 
I would like to remove these inquiries : XXXX XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 Thank you, XXXX
Product: Debt collection

Transunion enclosed is a copy of reinvestigation that account removed from my credit report sent to the CFPB in a response please remove this account XXXX /XXXX XXXX XXXX this is not a dispute but to send you actual facts this account is to be removed after reinvestigation was done. enclosed is a legal statement of fact response to a Goverment agency on this case
Product: Mortgage

I have been asking Ditech for a mortgage modification since XXXX. The first was denied on income so I appealed since I started a new job. I faxed them ALL of the information they requested and have copies of the fax documents and upload reports and when I called they said they had the information. Then on XXXX XXXX they called and said my modification was not approved for lack of documentation and I should send in a letter stating I wanted to apply for another modification. On XXXX XXXX I received a certified letter informing me they are going to foreclose on my house on XXXX XXXX. I sent all of the documentation XXXX with a signature to make sure they have no reason to say that it was never received and now when I call they say it is pending being assigned to a loss mitigation representative. 

I would understand if I did not send/re-send/re-re-send/re-re-re-send the same documentation over and over. It appears they are dragging their feet awaiting the foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit report, according to the Fair Credit Reporting Act the following account : XXXX. XXXX XXXX XXXX account # : XXXX Has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

16 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 
No instructions were given to furnish this account on my report. Furthermore all debts with XXXX XXXX were settled and sealed in court without prejudice.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : 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, credit repair services, or other personal consumer reports

Please assist me in getting the following items corrected on my credit report : Transunion and XXXX is reporting my birth year incorrectly as XXXX. My correct birth year is XXXX. My birth date is XX/XX/XXXX. 


Incorrect Address : XXXX XXXX XXXX, Incorrect Address : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX Incorrect Employment : XXXX XXXX  XXXX Correct Employment Name : XXXX XXXX XXXX The following Accounts does not belong to me. Please remove from my credit file : XXXX - XXXX that was opened XX/XX/XXXX XXXX XXXX - XXXX with a balance of {$33000.00} ; Incorrect Balance : {$33000.00} Incorrect State : Alabama XXXX XXXX  Incorrect Monthly Payment : {$11.00} Incorrect Status : Late 120 days XX/XX/XXXX - XX/XX/XXXX ( Please tell me how this is possible..120 days every month..would the days late increase? ). This is not my account. All of a sudden since I have been disputing that this account does not belong to me and all of the information is incorrect, now it is showing I am up to date. 

Correct Balance : {$11000.00} Correct State : North Carolina Correct Monthly Payment : {$120.00} Correct Status : I was never late between XX/XX/XXXX - XX/XX/XXXX Unauthorized Inquiries reporting on my credit file : - XXXX - XXXX XXXX XXXX  - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting

I opened a {$3000.00} education loan with the VA. I made an agreement with them to pay back the loan in installments of {$85.00} a month starting in XXXX of XXXX. As you can see from the itemization attached, I made my XXXX payment ... my XXXX payment ... my XXXX payment ( EARLY ) and in XXXX they did an automatic withdrawal from my pay that I did not authorize. 

They continued to take this money even thought the agreement was for the {$85.00} a month. Even though they were collecting twice what we agreed upon monthly, and without ANY MISSED DEDUCTIONS, they began reporting this item as delinquent in XXXX of XXXX ( See VA historical delinquency attached ). 

1 ) The VA is in violation of section XXXX I never received a notice of delinquency or any notice that they were sending my information to the credit bureaus. 

2 ). They are in violation XXXX in that, when I disputed this item with them in XXXX, they were required to follow the same provisions of sec. XXXX with regard to disputed accuracy. I did not receive any update in 30 days and they did NOT remove the item since they were in violation of the repayment agreement and should not have reported it. 

I relayed these violations of non-compliance with federal law to XXXX and Experian. XXXX properly deleted the item. XXXX XXXX and Experian have left it in violation of FCRA section 611 ( a ) ( 5 ) ( A ) 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
Product: Credit card

XX/XX/ Car accident I occurred and tow company charged XXXX when the charge for towing is stated to be {$120.00} for vehicles under XXXXXXXX XXXX 

XXXX provided moving truck that overheated and had to bring XXXXl back. Credit or refund was not issued and getting run around from truistXXXX XXXXXXXX concerning whole incident. 

Attempted to contact truist and have not been provided with an address to send a written dispute /fraud not any provisional credit.
Product: Money transfer, virtual currency, or money service

Today XXXX-18 : A guy ( whose email and number I have if need be ), tried to sell tickets for a XXXX game to us over the internet. He stated he was at work and would need the money through XXXX. We went ahead and transferred and he never got back to us. After that he blocked my number. XXXX $ XXXX not be a lot for some people but its a lot for me. I attempted to call chase not even 5 min after I realized he blocked my number, and they stated they could not help since I authorized the transfer. They refused to cancel the process before it got to him or he even accepted it. I just want my XXXX $ back and to not let this happen to anyone else. Chase should put their customers first. I even tried to get in contact with the person through the email and they didnt reply. I sent them a text through another number and they only confirmed I was scammed and called me a XXXX.
Product: Debt collection

My identity has been compromised, several accounts has been opened under my name without my authorization or knowledge, I am unaware of these accounts, Please remove.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX I Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX Account Name : THE XXXX XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : BANKRUPTCY XXXX XXXXXXXX Account Number : REF # XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never have any accounts with a balance I dont know why I denied when I apply to open a checking account.. all I ask show me a statement my license photo copy any documents signed by me
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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

IAll contact was by phone, contacted Fast Track Debt Relief about debt relief program, all my information about my debt was collected and was told what my monthly payment would be on a bank draft, never telling me that a company by the name of Frontier Consumer Law Group would be overseeing my account, these two businesses have the same address. When I contact frontier and ask questions I get emails from operations manager from fasttrack. A Georgia Attorney sent me an email stating she only helped if this company notified her as a summons, also she refers to them as a debt management company. They have collected up from fees since XX/XX/2018 which in Georgia is illegal. They also made agreements without contacting me for settlements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I was preparing to refinance our house and ordered a copy of my full credit report from TransUnion, paying {$24.00}. I discovered today that they have been billing me this amount every month. I call their customer service and they said that I signed up for credit monitoring service ( I did not ) and that I should have read the agreement carefully before agreeing. I went back and looked through the original email I got from them after ordering the credit report, and there is nothing stated about a recurring charge. I would never have agreed to it ; I don't need it and don't want it. The customer service rep agreed to refund only the current month and refused to refund the other 3 months, after consulting with a supervisor.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with XXXX, Equifax, and XXXX  to have Identity theft accounts that are on my credit report fraudulently. i have filed a police report i have contacted creditors in order to get this rectified with no action.
Product: Money transfer, virtual currency, or money service

I use Coinbase to invest in Litecoin. When I moved my Litecoin to my USD wallet it wont let me withdraw it. Every time I try to withdraw it brings up the option to select a bank but my bank isnt on the list. When I try to opt out and use the card option it wont let me click my card linked to my account therefore I cant take my money out of Coinbase. I put in {$50.00} on XXXX XXXX, 2017 @ XXXX XXXX.
Product: Mortgage

In 2014, my husband and I separated. During that time he missed some payments on the mortgage. There is some payments that we made that were never posted to our account. Our home owners insurance premiums in our escrow is way off as well. We have tried to clear these issues up with them but have been unsuccessful. We applied for a home modification, but the terms of modification would have left us owing way more on our home than it is worth. We continued to pay our mortgage payments but XX/XX/XXXX, Bank of America refunded our payments and the house is now in foreclosure. We are not allowed to make payments on the house anymore. We drove 3 1/2 hours one way and spent over 4 hours applying for principal reduction but was advised that we can not get one. We owe about $ XXXX on our home and it is only worth about $ XXXX. We filed for bankruptcy many years ago and Bank of America did not reaffirm our loan so we can walk away for the house without any penalties. We want very much so to keep our home but we can not reaffirm the loan owing way more than it is worth. We have tried to work something out with Bank of America but have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled NY credit report and noticed several inquiries from XX/XX/2019 and several from XXXX and I reported to Equifax that it was fraudulent activity and I did not make them accusations I called at least 5 times already and on one have tried to help resolve my issue and one hung the phone up in my face while I was still talking trying to explain my situation