23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 or other personal consumer reports

On XX/XX/year> I Recieved Notice of An Inquiry On My Consumer Report From XXXX XXXX XXXX XXXX, In Which I Did Not Authorize The Furnishment Of My Information. As The Consumer / Creditor / Natural Person It Is Unlawful To Furnish Information Of The Creditor If They Believe It To Be Inaccurate According To " 15 usc 1681s - 2 ''.
Product: Debt collection

Hi - I just received a call from my bank - XXXX XXXX of a Legal Order from XXXX XXXX with a number to call - XXXX. 
Called them and they directed me to another number stating this is not what they can discuss as they could not view fully the account which was bought by XXXX XXXX through XXXX XXXX  XXXX. 
I eventually called the number they gave me which was for XXXX XXXX XXXX. I spoke to a legal rep who is named XXXX XXXX and advised that i allegedly have a bill from XXXX card in XXXX which was filed with the court with an address on file. 
I challenged why they did not try to contact me or notify before having the court put a levy on my bank account. 
I do not own a XXXX card in XXXX, no correspondences whatsoever. I demanded a statement or bill which they said they will look into and furnish but damage has been done with my account. 
XXXX XXXX XXXX do have my current information as i dealt with them early this year on a XXXX bill owed in XXXX which was eventually paid off. 
It is shocking they went behind me to file a motion in court and they lied they only had my old address on file which i never received any communications from them on the XXXX card statement for XXXX. 
I hope i will be able to be compensated under FDCPA for harassment unfair judgement. 
There are statute of limitations on credit card debts also allegedly owed in the state of New Jersey. 
Please look into this and help out so they can do the necessary by providing all relevant documents at the earliest and lift immediately the hold on my account with restoring what they already deducted which is fraud. I was never contacted.
Product: Credit reporting or other personal consumer reports

On Wednesday, XXXX XX/XX/year>. I tried to contact Experian ( Experian.com ) via ( XXXX ) phone calls. XXXX call assistance was slow and has limited options to obtain answers for a credit freeze and fraud hold on my account. 
You apparently are allowed XXXX options ; XXXX. Receive a text on a XXXX mobile phone. I was calling from my XXXX XXXX number which can receive text but could not receive any text from Experian for some reason. XXXX & XXXX are to go to the website and create an account to request information on a credit freeze or fraud hold. I could not even create a user account as the website sent an error message stating the XXXX address I am using was not allowed. I refreshed the website and tried a few times more to confirm and got the same response. 
A person living part-time in another country other than the XXXX, XXXX, should have the ability at a minimum to speak with a real person/representative and inquire on freezes or fraud holds on their account. The automated call system should be able to transfer these very important calls to a real person/representative. 
XXXX and XXXX were the other credit report companies that were called on the very same day ( Wed XXXX XX/XX/XXXX ) at approximately the same hour and took care of my request in seeking relief from any credit freezes or fraud holds. I had neither freeze or hold from either of these XXXX companies. So the XXXX company I could not speak to an actual representative,, possibly has a freeze or hold on my account?? 
Would really like to know so I can start a very important quality of life process to help my financial status for me and my family. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and I am concerned that Affirm Inc may be engaging in deceptive behavior and in violation of my rights to privacy by not being in compliance with the Fair Credit Reporting Act. According to the Fair Credit Reporting act 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) the term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. According to 15 usc 1681s-3 ( a ) ( 1 ) Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 1681a ( d ) ( 2 ) ( A ) of this title, may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless 15 USC 1681s-3 ( a ) ( 1 ) ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person. After revising Affirm Incs privacy policy, Affirm Inc does not allow consumers to limit what is shared when it relates to information about consumers transactions and experiences. Affirm Inc has in fact shared information solely as to transactions and experiences and refuses to allow consumers to limit what is shared. I, the consumer, have never been provided an opportunity to prohibit Affirm Inc from soliciting anything to I, nor have I provided Affirm with direct consent and as a result of their unlawful behavior I have suffered substantial damages. I hereby demand Affirm Inc to remove any and all negative reports being furnished to consumer reporting agencies. Should Affirm fail to follow demands within 30 days from today, I intend to file suit. This is an official notice.
Product: Credit card

I have Synchrony Bank set to Auto pay and have also manually attempted to make my monthly payments, but when I do it on the last day they repeatedly reject it and charged me a late fee until the point where they rejected it, made my account delinquent, and tanked my credit by XXXX. It's not my bank blocking the payment as they said either because I have used the account they have on record to make the payments previously.
Product: Debt collection

This number ( XXXX ) has called my father multiple times in the past two months! how can it be legal for them to harrass my poor father who works as a bread route driver has called my father 5-6 days a week? 
unreal! they call asking for me. Also I have never used his number in any bank or credit applications.
Product: Debt collection

I requested kindly that CREDENCE RESOURCE MANAGEMENT provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and CREDENCE RESOURCE. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. CREDENCE RESOURCE is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with CREDENCE RESOURCE. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by CREDENCE RESOURCE should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also havd an active fraud account from XXXX XXXX XXXX for account CREDENCE RESOURCE MANAGEMENT as I have never had an account of done any business with his company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting incorrect information on my credit report. They have 3 different balances showing on each report. According to the law all accounts reporting must be accurate or it has to be deleted. 
XXXX XXXX account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

Equifax and XXXX are not researching and properly reporting that the following accounts are in fact in dispute. XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) The collection account listed is reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Product: Money transfer, virtual currency, or money service

I made XXXX purchases of XXXX with Coinbase. After the XXXX purchase I was notified that there would be a XXXX day hold on my assets to prevent fraud. I called them and asked them specifically what is the fraud they suspected and they said they can not disclose that and it was for my protection. I had done some research and from what I found this was standard so I felt a little better and was willing to wait a week. I purchased {$4000.00} on XX/XX/XXXX, {$1000.00} and {$3000.00} on XX/XX/XXXX and {$20000.00} on XX/XX/XXXX. After I made the purchase on XX/XX/XXXX I received an email that stated they would be preventing me from sending my crypto for a period of 60 days. Again, they said this was because of suspected fraud and it was for my secutiry. I have done live chats with them twice and a phone call today on XXXX. I told them what they are doing doesn't make any sense. I asked what is the fraud you suspect and they said they could not disclose that. I said whatever it is it doesn't make sense because all coniditions will be the same after XXXX  days. Whatever fraud they suspect will still be the same after 60 days. They said I can sell my XXXX  and then deposit the funds into my bank but for some reason they will not let me send my XXXX  to my own cold wallet. I have two partial conversations I am uploading that i copied from the virtual chats before they were removed. On the phone conversation that I ened with today they told me they will not disclose what the issue is and I can not transffer my assets to my wallet until XX/XX/XXXX. They said a supervisor would tell you the same thing. I said I would like to speak to a supervisor to hear it from them and they responded that no one was available at that time. I have a significant investment being held captive in their exchange and it does not make me feel comfortable. I would like assistance to remove this restriction so that i can get my assets safely onto my wallet. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AND GENESIS/XXXX  ADDEDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX  XXXX  AND XXXX XXXX. UPON FURTHER INVESTIGATION, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTOR'S/CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT, OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANY PERSON CAN SEND A BILL AND SAY THAT IT BELONGS TO ME. ACCORDING TO THE FCRA, XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS AS A CONSUMER AND I AM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Checking or savings account

My debit card was stolen and unauthorized transactions were made Ive contacted chime multiple times about the matter I filed a police report Ive reached out to the merchants about the matter this will be my 3rd dispute with chime Ive asked for documents that led up to the decision of denial chime never provided them on multiple occasions never a email of proof of investigation they always say itll take up to 90 days if not done by 10 business days youll receive a credit everytime it gets close to them crediting my money back they deny and close the case I need my money Im getting very impatient about the matter
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 : CAPITAL ONE XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly disappointed with Experian. They are the only company out of the 3 bureaus that refuse to remove these 2 fraud accounts from my profile. both XXXX and XXXX were able to confirm that those accounts were indeed fraud. I sent out The beginning of XXXX and experian refuses to remove these accounts. PER 15 USC 1681 B AS A CONSUMER I KNOW MY RIGHTS YOU ALL CAN NOT FURNISH ANYTHING THAT I SAY IS FRAUD ON MY ACCOUNT. YOU ALL CAN NOT FURNISH ANYTHING ON MY ACCOUNT THAT I SAY DOES NOT BELONG TO ME. At this point experian is breaking the law and I may have to take legal action if this matter isnt corrected asap. I will give this company one more chance to properly investigate because this company never sent me the steps they took to verify the account nor did they tell me if they found my actual wet signature attached to these accounts, WHICH IS ILLEGAL DUE TO THE CONSUMER LAWS. THE ACCOUNTS THAT HAVE TO BE REMOVED ARE XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ablity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate 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

I opened a account with this company ( XXXX ) to help with adding positive reporting accounts on my credit report. They're 1 of many companies that consumers can pay a monthly or annual fee for the company to report a positive account balance and credit limit without the customer having physical access to that line of credit ( Authorize user type account without physical access to account ). I ended up having 2 accounts with this company, not Intentionally. My initial account was established XXXX of 2021. I was happy with the reporting in the upcoming months and happily paid the {$2.00} a month for my POSITIVE reporting account. 6 to 7 months later I damaged my phone a receive the new device. With this new device I had to set up all my apps again. I went to login to my XXXX account and had troubles. I ended up having to put my information into the app just to be able to gain access. At this point I'm under the impression that I just went through a verification process in order to access my original account. Apparently I created a 2nd account unknowingly. 2-3 months later after consistently paying my original account thinking that I was paying my full obligation of {$2.00} a month as expected, my credit score dropped like a brick because of Delinquent 90 day late payments and a closed account being reported by XXXX. I looked at my credit report and I noticed I still had a positive reported account with XXXX. Still confused I went to the app to investigate and noticed the 2nd account. I reached out to XXXX  and explained that I was unaware that i had 2 accounts with them and the 2nd was made by accident. Note that my original account was in great standing and i never made a payment on the 2nd account that was opened. With that simple observation you would recognize i was totally unaware. Why would I be responsible with 1 account just to be totally negligent with the other? I kindly requested an opportunity to resolve the delinquent account to change the reporting status. I was rejected with a statement that said its my fault and I have to deal with it. I became extremely angry and tried to explain in more detail why it's not fair. I was gaslite in emails responses stating when an account is closed it can't be opened and a newly closed account will temporarily affect my score and its nothing to worry about. I didn't ask at any moment to reactivate the 2nd account, my only request is that it would be removed from reporting. It has been blatant neglect to resolve my reported late payments because they stopped answering my emails. This company is supposed to help report positive information yet they're not willing to help revise a mistake that wasn't intentional instead reporting harsh information to my credit report that's preventing me from getting the funding i need to start my business and purchase a home. 



The account is being reported as paid on time and delinquent all at once under Trans Union and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. 

XXXX XXXX XXXX  account # XXXX, has violated my rights. 

XXXX 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

N n accordance with the Fair Credit Reporting act the following Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card or prepaid card

To my knowledge, I was never late on my Home Depot credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Product: Student loan

Good afternoon, Since XX/XX/XXXX I've repaid {$13000.00} on my federal student loans through Great Lakes Student Loans. Due to the announcement concerning student loan forgiveness, I requested the full amount to be refunded on XX/XX/XXXX. I was originally told 25 days for it to be processed. Today is the 60 day mark, and it has neither been refunded nor has my XXXX XXXX XXXX XXXX account been updated to reflect the balance. I've called and emailed customer service a total of four times, and each time was simply told it was being processed without a clear time frame as to when. I was also concerned that each time I asked to confirm the amount to be refunded, they were unable to confirm the amount I calculated. 

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

I previously contacted XXXX regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.
Product: Checking or savings account

Chase bank reported me to the XXXX XXXX department because someone hacked my account. I tried to tell chase that but they closed all my accounts.