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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A.States that I have the right to privacy.

15 U, S.C 1681 section 604 A section 2.It also states that a consumer reporting agency can not furnish an 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 with antedates the report by more than sever 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 a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX loan # XXXX as XXXX days past due to XXXX, XXXX XXXX and Experian in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all XXXX credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant XXXX violation. This is the second loan that XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan.
Product: Debt collection

I reached out to this company back in the end of XXXX beginning of XXXX asking them to validate or verify this debt. I have contacted them several times they have not verified verified or validated The debt yet it has been more than 90 days already. I have accidents to remove this from my credit report.
Product: Money transfer, virtual currency, or money service

Started a new business just 5 days ago. I decided to use Paypal as a Payment Merchant. I had few order shipping 's to XXXX almost {$350.00}. 2 days ago, PayPal limitized my account and asked for the documents verification. I have sent them the Resident Identity Card with my Company Incorporation Letter and Purchase invoice. Yesterday received 2 emails from Paypal, the first one states that they have locked my account and hold my money for 180 days due to the potential risk involved in the items I am selling. And the second email I have received stated that partially limitations have been removed however I shall be unable to use the PayPal account and the balance will be on Hold for next 180 days. This is my 5 days Business Journey with this XXXX XXXX. The most interesting fact is that I am selling the computer accessories, digital goods like softwares and also helping customers for the marketing campaigns, so what was the potential risk involved? Tried reaching the customer services team through international calls and the XXXX chat option and have wasted almost 6 hours but no response. I don't want to have business with this XXXX XXXX but they have no right for holding my funds for 180 days without a proper reason. My registered email with Paypal is ( XXXX ).
Product: Payday loan, title loan, personal loan, or advance loan

First choice money in XXXX I went there a week before XXXX and talk to them about getting alone because I didnt have cash for presents for my kids. I did all of the qualification things provided on my social. My ID proof of residency pay stubs my bank statements everything The older lady was helping me originally then her daughter jumped in grab my phone to try and help me with some and started looking through my phone. I let her do what she was doing thinking she was just helping me figure out how to get my paystub or bank statementafter we finally figured it out. She told me how much it was gon na be for {$500.00} and it was way too much and interest if I didnt pay it within the first couple payments so I changed my mind now Thursday, XXXX XXXX I went in to get that loan again because Im going through hard times I asked if they still had the information on file they said yes, and I went through the loan process. They were unable to contact my employer, I had gave them my bosses current number and thats it so after we completed the loan, they wrote me a check for {$200.00} and sent me on my way I was going to come back after I picked up my kids from school and get the rest of the {$500.00} but I went and got my kids and went to XXXX XXXX to cash the check after I had cash the check and was walking outside my phone ring. I didnt recognize the number I sent it to voicemail and I started reading the voicemail and it was them saying they canceled the check and to bring it back. I couldnt bring it back I had errands to do so the next day I called them let them know. I had already cashed it and that I didnt know that I got XXXX  during my leave for medical reasons and family illness. I told them I would make the payment back to them on Friday like I said I would and they said that now I have to pay XXXX XXXX and now I have a negative mark against my credit. I never gave them my HRs phone number. I dont know how she contacted the HR department. I believe she looked at XXXX XXXX. file to get a number from him because he worked at the same place as me I dont believe thats legal to use other peoples information on my loan. Also after my first appointment with them, somebody started using my Social Security number. I believe they might have something to do with it the mother and daughter that work the store in XXXX please investigate.
Product: Debt collection

This debt is not mine at all i have never purchased a XXXX XXXX, the only car i have under my name is a XXXX XXXX XXXX and its been paid off. I would like to see any documents regarding this account and the purchase agreement so that i may review it. Otherwise this company is reporting fraudulent inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts on my credit report today, and I have no idea how they got there. I check my report regularly, but this time, out of nowhere, there were errors. I thought maybe my browser was acting up, so I refreshed it, but the wrong accounts were still there. These discrepancies didn't go away, and now I'm left incredibly frustrated. I just want the documents I've submitted to be reviewed carefully, so I don't have to live with this worry again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have spoken with all three agencies, XXXX, Transunion, and XXXX and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX XXXX  with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my portfolio recovery associates account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX  account and a written response outlining the actions taken to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Student Loan Listed as : XXXX XXXX Date Open XXXX XXXX is reporting 60 and 90 days late in the months of XXXX and XXXX XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending Graduate School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, XXXX, and Transunion to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, my TRANSUNION credit report is reporting a fraudulent/unauthorized inquiry. TRANSUNION reports an inquiry from XXXX XXXX XXXX on XX/XX/year>. Neither on that date or any similar date did I authorize any individual from the listed company to pull or review my consumer report / credit report. Additionally, I have not given TRANSUNION permission to furnish this fraudulent information. Having understood this is a violation of 15 U.S.C. 1681 ( B ) ( C ), both together and separately my consumer and privacy rights are being violated. Unless TRANSUNION can produce any proof or evidence that support their claim or show that they were right in their decision to furnish this information, they need to remove this fraudulent inquiry from my credit report and file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX ( {$950.00} ), XXXX ( {$600.00} ), XXXXt ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts with Suntrust, a mortgage, and home equity line of credit for my house. 
both accounts were on forbearance with the company due to covid with auto-renewal. 
I had my mortgage for 21 years and home equity over 10 payments were always on time. 
My mortgage got auto forbearance but equity without my knowledge was not extended. 
I did not get a notice. The bank reported to the credit as been late. I called the bank and I was told there was nothing they can do I needed to dispute it with the credit bureau and due to internal issues equity line did not get auto forbearance like the mortgage account. I made the equity line payments to bring the account current and on time with Suntrust but the credit report still shows late. This action brought my credit down significantly I am in process of refinancing this will affect my ability which I work very hard. I want Suntrust to reverse their action on the credit report.
Product: Vehicle loan or lease

Car was repossed twice in a month. Just paid over 1300 to get the car back. They had my car for 2 weeks, yet the payments were still going so when i got the car back the payment was due again the next day. I asked could they adjust the payment to the following week or 2 and was refused. 7 days later they came and took the car off private property.

The VIN number shows the car is a lemon and I'd been making payments 3 times the amount the vehicle was worth. XXXX for an XX/XX/XXXX. 


I am not working they didnt have a hardship program. 

I want to sue for emotional trama as well.
Product: Checking or savings account

Earlier this year I filled a complaint because I am unable to open a bank account due to an unfortunate situation that happened in 2017, XXXX sent me a letter back saying that I will be able to open an account with them once I pay what was owed to them which I did this past XXXX in the amount of {$300.00}, my bank account was reopened and the fallowing week it was closed because XXXX said I was reported to XXXX XXXX XXXX by Bank Of America I called BOA and they said for me to write a letter explaining what happened so that they can remove me from all consumer Reports and update my information to XXXX  XXXX  and XXXX   so that I can open a bank account, I have continuously called BOA, XXXX and XXXX XXXX and unfortunately continue to get the run around, I just will like to restore my banking privileges so that I can have a bank account or a credit Union Account, I have provided all the information that I could and tomorrow I will try and fax a new dispute to XXXX, please assist me if you can.
Product: Money transfer, virtual currency, or money service

Money was sent to a Coinbase to purchase a cryptocurrency GYEN. After buying that stock the company shut down from selling it or trading to another coin.A coin was falsely traded to jump up And made to fall down losing thousands of dollars. While they froze my account. This is a complaint against Coinbase and Coinbase pro to refund my 50 grand spent in that stock.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax
Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect XXXX : - 2004 Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to Non-compliance with the Credit bureau Equifax, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Equifax if this account is not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60 day late payments from my credit reports.
Product: Mortgage

our mortgage was paid on time in full each month, but we got a letter from the homeowners insurance company saying we had lapsed coverage for over a year as a result of Wells Fargo taking our money and not putting it into escrow. Had an accident happened during those 12 months, we would have been liable for damages which we had already paid insurance for. Wells-Fargo is a dangerous place to keep your mortgage
Product: Debt collection

I contacted Shellpoint Mortgage Servicing to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make XXXX payments of {$49.00}. 
Resurgent Mortgage sold their debt to Shellpoint Mortage Servicing in XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement. 
I contacted Shellpoint in XXXX of this year, XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}. 
I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history. 
For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}. 
Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 


Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my current address be updated accordingly. 


Contact Information : My only current phone number is XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.