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

XXXXXXXX XXXX XXXXXXXX you furnished alleged transaction on my TransUnion that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 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. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 
15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 
A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 
Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). 
If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : Transunion : XXXX
Product: Credit reporting

While checking my personal credit report, which I acquired from Equifax, I noticed XXXX inquiry made by your company on three consecutive days ( XX/XX/XXXX-XX/XX/2016 ). I do not recall applying for credit or employment with XXXX XXXX XXXX . 
I did not authorize anyone employed by overstock to make an inquiry and view my credit report. they have violated the Fair Credit Reporting Act Section 1681b ( c ). they are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 
I requested that overstock either mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. they simply sent a response that this is correct. Again, it is not, and i have sent a certified letter that was signed for on XX/XX/2016. A company simply looking at a screen is not validation of the inquiry and especially not XXXX in3 days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XX/XX/2019 and XX/XX/2019 PNC Bank run a credit check more than once after issuing me a secured credit card. I followed through promptly with the bank but nobody issued me a solution or try fix this.
Product: Checking or savings account

I paid XXXX to get a phone unlock and the company didnt unlock the phone, I filed a dispute and was denied buy chime, My phone is still locked
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Student loan

XXXX is reporting on my credit report that I 'm deliqute when I 'm not that added more m onwy on to my balance
Product: Credit reporting or other personal consumer reports

I received an alert on my Transunion credit report from a creditor XXXX XXXX XXXX. I have never opened any account with XXXX XXXX XXXX I went to the police station and reported my identity stolen.
Product: Credit reporting or other personal consumer reports

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice.
Product: Credit reporting

Case numbers : XXXX need to know why my credit score dropped dramatically.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. I have not authorized or provided explicit consent for these inquiries, making them invalid and in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).
Product: Money transfer, virtual currency, or money service

I use biometrics to log into my Coinbase account with the app on my phone. One day, the Coinbase app fully logged me out of my account and required me to enter my password to login as opposed to using biometrics. I entered my password and the app said it was incorrect. I entered my password again, the app said it was incorrect and I was then blocked out of my account with a message that said Coinbase will review my account and email me when the review is complete. It took 5 months, and many attempts on my end to contact Coinbase support for Coinbase to finally send me the following email and allow me access to my account again : " Hi XXXX, I hope this message finds you well. We appreciate your patience while weve been reviewing the provided information. Were happy to share that we now have everything we need to meet regulatory requirements! We have fully restored your account and you can consider this case closed. '' I then logged into my account just to see that Coinbase had drained all of my funds. I investigated further and discovered that Coinbase had transferred all of my funds to themselves on XX/XX/year>, while they had me blocked out of my account. I have since called Coinbase support many times and tried to file complaints with them, just to be told that they have already responded to my previous claim with the CFPB and that the case is closed. I need Coinbase to return all of my funds back to my account ASAP.
Product: Credit reporting or other personal consumer reports

I applied for a credit card with Citi Bank on XX/XX/year>, and during the process, a technical glitch occurred, resulting in multiple application submissions. This was unintentional and outside of my control. Due to this error, Citi Bank declined my application, but a hard inquiry was still recorded on my credit report. I am requesting the removal of this inquiry, as it was an unauthorized result of a technical issue.
Product: Credit card

I got a letter from capital one stating they were sending my account to collections. With this particular card Ive never received statements of any kind from capital one and I checked my credit report and seen someone opened it without my consent or knowledge. Contacted capital one and they are doing an investigation and I filed a police report as well. I disputed this also on my credit report.
Product: Credit card

We are being charged for things on our account but no one can tell us where they are coming from, the balance we had on the card was XXXX as of XXXX XXXX 2016 and there were no more charges on the account, when we received the bill they were charging us XXXX on top of that i had XXXX worth of credits applied back to the account, and for months it did not reflect, we have asked for help from them so many times, with getting no help at all, no statements ever reflected the credits or the additional charges they claim we have, we have refused to make payment at this point because of the issues that are wrong, and we dont feel we should have to pay interest on the items that have been returned to the account, and the interest a month has not changed, i would like to get this situation fixed as soon as possible, as its interfering with us buying the house we were in the middle of buying, and when i stated to the lady this could cause us to be homeless she laughed about it. this company is the worst to deal with, and reaching people other than a call center and having them demand money is not the way to get it, with the statements from amazon and invoices i have enough to prove we do not owe the balance they claim we owe. we have been trying to work with them since XXXX 2016. they have also locked me out of the account so i can not get on access it, get proper statements or even make payments, they are now currently sending statements in the mail with no information provided.
Product: Debt collection

This company has reported on my credit an amount {$470.00} without notification again. This is the 4th time this company has attempted to report on my credit WITHOUT prior written notification. Even after several request no one has been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. The original dispute occurred XX/XX/2017 and seems to resurface every 6 months after being require to remove, this is illegal on the company behalf.
Product: Credit card or prepaid card

XX/XX/XXXX called XXXX XXXX XXXX about a disputed transaction, company cancels card and says they'll mail a new one ... XXXX last monday called company to complain card didn't arrive was told it was returned undeliverable but they'd try sending again ... called XXXX last Wednesday and XXXX XXXX XXXX apologized that I was lied too, about mail being returned and they said my replacement card was mailed XX/XX/XXXX and should arrive last Friday ... it's now Tuesday XX/XX/XXXX, still no replacement card
Product: Mortgage

Below are previous emails that, I have sent to Pennymac about my promissory note and those concerns have been ignored completely. 

" HI, This is my second email and I'm still waiting an answer on my previous email and I will not stop until I get an answer in writing. Even if you sell this note I will still go and get my remedy for my security. Your statement " Said document will not fully satisfy your obligation under the terms of the Mortgage and Note for the loan, and is not an acceptable form of payment or an allowable transfer of property, as described under the Mortgage and the Note for the above referenced loan obligation. Your Statement " Pennymac remains the servicer and note holder for your mortgage. " PennyMac is not the note holder since that note is under my name and ALL CAPS name. I '' m not the borrower in with this note ( security ). I'm the creditor!!

Your statement " It's important to understand Pennymac performs its servicing activities '' Servicing don't give you rights to hold note!! The servicer 's role is to handle the administrative duties of managing the loan, including processing payments ( This debt has been paid already and sold on secondary markets and there is no need to collect payment ), handling escrow accounts, and customer service. You can't hold no notes by law!! That was your statement from previous email and the NOTE in which is my security it is a way of payment and you also claimed that " Said document will not fully satisfy your obligation under the terms of the Mortgage and Note for the loan, and is not an acceptable form of payment or an allowable transfer of property, as described under the mortgage and note for the above referenced loan obligation. '' I want you to confirm that PennyMac never endorsed my security AFTER I signed back in XX/XX/XXXX. I would like to see a copy of the endorsement without recourse that is stamped on my security, but I never received a copy. 

I want PennyMac to confirm they have not sold my security in secondary markets and why they are refusing to send me a copy of the ENDORSED promissory note for the account : # XXXX. 

I attached a copy of my promissory note endorsed to prove that I will be sending this to the indenture trustee and the trustee for discharge.

PennyMac has lie and lie over and over again and has not provided any answers and documentation to my requests. I also revoked PennyMac from handling all my securities, insurances and anything related to my name with PennyMac. See the attached file. I also sent a copy to the IRS following the IRS guidelines.
Product: Debt collection

I called XXXX XXXX because i was being billed for services up until XXXX but moved out on XXXX. XXXX XXXX told me i had to dispute with online services because they are now collecting on the account. I called in to advise and the representative told me to mail in letter and proof. So i did that. I called back a week later and another representative basically told me that i am responsible for the bill even after seeing the proof that i mailed in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX  Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXX XXXX  XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXX XXXX  XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Checking or savings account

My Wells Fargo Account was clone and I got 4 separate charges that add to {$1000.00} dollar for a hair dye, some where in XXXX, I never traveled to XXXX or had done any online purchase in XXXX. I called the bank back in XXXX when I got the charges back to back on XX/XX/XXXX, XX/XX/XXXX ( 2 times that day ) and then XX/XX/XXXX. I called Wells Fargo to dispute and get the money back. they have not done anything to help me they have information incorrectly added to my account. After all this my funds have not been reimburse and Its an ongoing battle. I did the police report and the federal fraud report as well .... Me as a single mom Dont have time or money to waist on hair dye like that. need your help.
Product: Credit card or prepaid card

I was refunded {$1300.00} on XX/XX/2020 from XXXX XXXX.. 

The credit card company Capitol One will not credit my card.
Product: Debt collection

I WAS A VICTIM OF IDENTITY THEFT AND THE PERSON HAD ACCESS TO MY ID AND LICENCE SSN AS WELL. I HAVE DOCUMENTS WITH ID THEFT. GOV AND REPORTS NOT ONLY WAS MY INFORMATION USED FOR THIS COUNT BUT OTHERS ASWELL
Product: Checking or savings account

On XX/XX/year> a student loan refund from my XXXX for {$3500.00} was processed and sent via direct deposit to my XXXX XXXX bank account. On Thursday night, XXXX XXXX said they were experiencing an outage with a third party vendor and most services would be restored by Friday morning. 

There has still been no resolution and I no longer have access to view my bank accounts online. XXXX XXXX has provided little to no communication or timeline for when they plan on restoring our accounts.