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

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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

Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX XXXX, XXXX XXXX XXXX  are reporting information regarding bankruptcies that they say that the bankruptcy courts reported to them. I have information from bankruptcy court that states '' bankruptcy court does not report to credit bureaus ". I have asked by certified mail, fax, online and verbally to bureau to remove inaccurate information. To no avail, they have not removed bankruptcy.
Product: Vehicle loan or lease

I have made several complaints against Carmax I pay on time over pay and the loan continues to increase rather decrease the hen when I complain they temporarily correct it the need to be audited they owe me.
Product: Vehicle loan or lease

During the COVID 19 I was unable to work then when work started back hours was cut I informed Westlake Financial services to see if they can push two months of my payments to the end of my loan they said no they couldnt do it because they did one month already I cant help it if the COVID 19 pandemic hardship last more than one month I am behind on XXXX XXXX two months of car payments my car was purchase in XXXX it was bought new but now its XXXX and this crisis pandemic made it so hard for me to pay my bills Im working now but hours got cut I barely make 40 hours a week Westlake Financial services auto loan is out of XXXX XXXX they call me everyday even on the weekend real early in the morning late at night I am XXXX XXXX I was waiting on my second stimulus check so I can pay them get caught up Now XXXX almost here then that will put me three months behind XXXX XXXX them they will repossess my car and I want be able to work because I want have no way to go to work this pandemic COVID 19 has made me XXXX  XXXX  I cant pay my car note and I need my vehicle transportation to get to and from work if i lose my car I will lose my job the lil job I have if I can get caught up I will be able to make it but they want work with me said they couldnt do it I just need my XXXX and XXXX payments push to the end of my loan and I can save up for XXXX payment
Product: Money transfer, virtual currency, or money service

I tried to start a PayPal I had an old account I cant recover because its asking for my previous phone number. I sold two items for {$230.00} tracking was supplied and customer recieved payment they banned my account and said I owed fees on my old account which I cant logg into I asked them for help and was refused I was told I have to wait 180 days to get my money all I wanted was to know what I owed so I can fix my account because I didnt think I owed anything to PayPal Now I will not get a response below are the attachments of my attempts to rectify the situation and getting the same response over and over again
Product: Debt collection

I have XXXX account that I faulted on for {$1200.00}. LVNV Funding is trying to collect XXXX debts off me off the same credit card debt. One amount is for {$1200.00} and the other for {$1100.00}. Meanwhile I only had ONE account with XXXX credit cards that totaled {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$12000.00}, Original Creditor MEDICAL XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$10000.00}, Original Creditor MEDICAL XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3200.00}, Original Creditor MEDICAL ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2700.00}, Original Creditor MEDICAL ), XXXX XXXX XXXXXXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2400.00}, Original Creditor MEDICAL ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2400.00}, Original Creditor MEDICAL ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$390.00}, Original Creditor MEDICAL ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$600.00}, Original Creditor MEDICAL ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This was my XXXX submission of complaint through CFPB regarding the remaining fraudulent inquiries in my Experian Credit Report and the fraudulent inquiries the have not attended by the XXXX Credit Bureau. And because of these I kindly ask the Consumer Financial Protection Bureau ( CFPB ) to please assist me in making sure these fraudulent inquiries, especially regarding my XXXX Credit Report inquiry issue to be fixed. Here 's the list of the fraudulent inquiries that I needed to remove : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have items passed on that should be taken out or removed. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I invested in Stellar Lumen ( SL ) using the Coinbase app on XX/XX/XXXX. Just as SL started to take off they locked my account for no reason in XX/XX/XXXX. I have filed multiple complaints and multiple cases but they reply they will get resolve it in 10 days or that I asked them to lock the account ( I did not ). It has been months and today my account should be worth {$22000.00} which I can not access or remove from their platform. It hasn't just been me, XXXX has a multitude of complaints with the same story. I just want to transfer to a trustworthy platform and get away from Coinbase. There is no phone number to call. The only number they have is XXXX ( XXXX ) XXXX which is ONLY for their card customers. If you aren't in their system with a card, you are disconnected. There is no email address other than XXXX which constantly puts you off or tells you the case is closed. I complained to the Securities and Exchange Commission and they directed me to you.
Product: Debt collection

There is a repeated charge on my credit report from XXXX XXXX stating I had thier service at a place f residence I never lived. I have it removed obnly for a few days and then it is back on there. I have communicated with all paries and still having issues it is frustrating as I a trying to get XXXX  and this is preventing me because of my credit score.
Product: Checking or savings account

I received a letter about my Wells Fargo branch closing in the future about a week ago. Last Tuesday, XXXX XXXX, I called the number provided in the letter, ( XXXX ) XXXX, for next steps as I have a safe deposit box scheduled for closure. I requested an appointment as soon as possible, but because of XXXX and XXXX XXXX closures, my appointment was made for today, XXXX XXXX, XXXX at XXXX. When I spoke on the phone to the branch last Tuesday, I was assured that I would have an appointment at both the XXXX XXXX branch as well as the XXXX XXXX branch where I would be relocating my safe deposit account to. In order to make the transfer, I had to close the box at XXXX XXXX and reopen at XXXX XXXX. The closure at XXXX XXXX went smoothly, however the XXXX XXXX branch did not attempt to make an appointment for me at XXXX XXXX until today, the actual day of the transfer, and only while I was closing my account at XXXX XXXX. Upon arrival at XXXX XXXX, the bankers were not expecting me and informed me that Wells Fargo is having a systemwide inability to open accounts, and has been since Friday, something XXXX XXXX failed to make me aware of. As a result, I was able to close my safe deposit account at XXXX XXXX but unable to open one at XXXX XXXX. As such, I have government-issued documents that are difficult to replace in my possession. After speaking with XXXX from CFPB this morning, at around XXXX PDT, I have decided to file this complaint, particularly in relation to the oversight of being allowed to close my account at the XXXX XXXX branch when the bankers should have been aware that I would not properly be able to open an account back up at XXXX XXXX and because they never made the appointment they promised me over phone at the XXXX XXXX branch until after I was well into the account closure process at XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX, for committing XXXX. I have never given XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have sent in a XXXX XXXX payment coupon to company in XX/XX/2022. Company did not apply my payment and closed my account without giving reason or notice. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid, and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. XXXX requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to pervious response company did not answer my claim. According to the payment slip, your company states that it accepts payment coupons. Which seem to be false information. 
This brings a lot of confusion and sounds like fraud actively have occurred by you company. 
The company stated I must pay in XXXXXXXX XXXX and I know that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the currency of a nation in the form of paper moneyXXXX XXXX XXXX  is considered valid for payment of any financial obligations. XXXX XXXX is a form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is XXXX XXXX but essentially it is anything which when offered ( " XXXX XXXX ) in payment of a debt extinguishes the debt. The act of XXXX  the payment in XXXX XXXX  discharges the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed bankruptcy case number XXXX with lexisnexis report. I filed CFPB report stating that the bankruptcy was inaccurately being reported on my LexisNexis report, XXXX  and XXXX. XXXX  and XXXX  responded the information was correct. I am attaching letters from LexisNexis with no record of me and from the Bankruptcy court as well again unable to verify that information. If they LexisNexis has no record of me and the bankruptcy court can not confirm how can they report me?
Product: Debt collection

Disputed with the company on XX/XX/2018 company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've Yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response.
Product: Credit card or prepaid card

XXXX XXXX account ending in XXXX was re-billed in the amount of {$370.00} on XX/XX/XXXX, XXXX. This charge was reported as fraudulent along with another charge, {$350.00} to XXXX, the charges came in a day apart on XX/XX/XXXX, XX/XX/XXXX, I believe as I do not have statement available at this time. Prior to this, I called XXXX, the fraud department numerous times at XXXX, extension XXXX, a rep by the name of XXXX. No one pics up the phone and keep getting a voicemail, even when entering extension. credits were issued to account for the charges, however, it appears XXXX has been re-billed and do not have an explanation. I was able to resolve XXXX charge by chatting with several online chat reps, a refund was issued to card ending in XXXX, which was reported lost/stolen as well as the fraud prior. I was unable to resolve fraud charge with XXXX reps, they advised me to report it as fraud which I have. Unfortunately, it appears the bank expects me to pay it, since it was re-billed. I have not received anything from XXXX in relation to this charge. Further, it is not my responsibility to resolve fraudulent charges with merchants as I have with XXXX, the bank is supposed to work out such charges. Luckily, I was able to get a refund from XXXX, I have not had same luck with XXXX. I request bank to re-investigate charge, issue credit if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to complain about inaccurate account and payment information as it pertains to a XXXX XXXX XXXX account that is currently been reported on my credit report. The account number for this XXXX  XXXX XXXX account is XXXX. 
Account and payment info are inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX Company wrongfully overcharged me. I cancelled the policy and filed a complaint with the New York Department XXXX XXXX XXXX which is conducting an investigation. Due to the fact that I cancelled the policy, XXXX refuses to correct its error as a harassment tactic. It has hired Credit Collection Services ( CCS ) to harass me to pay money it knows I do n't owe. CCS has been informed that I dispute this alleged debt, but continues to harass me in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. utilization is an experience created by credit usage. TransUnion XXXX and XXXX is reporting Utilization which is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX XXXX and TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, Privacy Act of 1974. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of utilization are accurate and my privacy has been violated due to XXXX XXXX and TransUnion violated my consumer rights by allowing utilization to report to my consumer report! See attachments below!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX  credit bureaus XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$19000.00}
Product: Debt collection

Company called XXXX called my husband, claiming he has a XXXX debt that needs to be taken care of. Said that it had to be taken care of right then, or he would be taken to court. No notification or prior notice had been sent by this company. They called my phone the following day, and then refused to speak to me because I am the wife, and not the debt holder. After multiple times of being hung up on by the lady who spoke with my husband and her supervisor, he finally explained to me. Claimed it was a debt from 2002, almost 20 years ago. Said I had to pay at least XXXX TODAY, or a judgement would be filed against us. He was extremely rude ( I was not nice back ), telling me that he was XXXX, and I would not talk to him in that way, that I needed to respect my elders. He called me a liar, because he cut me off before I had a chance to explain what I was saying. I was driving and taking my mom to a doctor 's appointment and he told me I was making excuses to not pay. It was an overall horrible conversation, and I can't find anything legit about this company. They've called from multiple numbers, and none of the numbers bring any information up.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, which came as a complete surprise. While checking my credit report, as I usually do, I found discrepancies that were not there before. I attempted to refresh the page, hoping it was a technical error, but nothing changed. I need this issue addressed immediately, and I urge you to review the documents I've sent carefully to resolve it once and for all.
Product: Credit card or prepaid card

I reported a list card on XX/XX/XXXX and was processed a replacement to arrive within 7 to 10 business days. I did not receive this card and then processed another for XXXX to be delivered within 2 to 3 business days after XX/XX/XXXX. I have chatted with the customer service reps multiple times and the continue to tell me to wait and that a tracking number has not been processed by the couriers yet. The charges appear as administrative debt.
Product: Credit reporting or other personal consumer reports

This company reported incorrect data on my credit report which violates my rights from the US Code 15 us 1681E
Product: Checking or savings account

Good morning. 
Yesterday, Sunday, XX/XX/XXXX, I opened an account online, at Fifth Third Bank ( Routing : XXXX Account Number : XXXX ). Today, Monday morning, I personally went to that bank, because I tried to access my account to transfer money from my other account at XXXX XXXX, as well as set this account for Direct Deposit from my work, and Fifth Third Bank He has informed me that I will not be able to open accounts at that financial institution, EVER AGAIN, because in XX/XX/XXXX I opened an account and that is false. I have contacted the XXXX Police ( XXXX  ) because it seems that I am being a victim of fraud, because I have never opened a bank account at Fifth Third Bank, ever. 
I want to know why I am being denied the right to open a bank account at Fifth Third Bank? 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fifth Third Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want to access the account I opened yesterday, Sunday XX/XX/XXXX, at Fifth Third Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX has an account being posted on all XXXX of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX