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

RE : CFPB Complaints # XXXX ( XXXX ) XXXX # XXXX ( Experian ) and # XXXX ( XXXX ). Each of these credit reporting agencies are now in violation of 15 USC 1681c-2 ( Fair Credit Reporting Act 605 ( b ) ). In accordance with this piece of legislation, these items listed in the report should have been removed within 4 days. This has not happened. An FTC Identity Theft report ( # XXXX ) has been filed documenting the Breach of Trust which clouds all of the transactions noted in the FTC report. The consumer is now pursuing actions in equity ( UCC 1:201 ( b ) 1 ) against all agents of all the consumer credit corporations listed in the report for breach of trust ; UCC 2:103 1 ( j ) " Good Faith ''. Not to mention, the original collateral instrument ( s ) in all of these transactions was sufficient to secure the alleged debt ( s ). None of these corporations have been damaged in the consumer credit transactions in question. i, the consumer have however been harmed and continue to sustain harm, damage, loss and hardship due to the fraudulent reporting of these accounts in question. Each and every one of these accounts are evidence of the crimes of unlawful conversion, unjust enrichment, fraud, coercion, lack of disclosure constituting real damages to i, the consumer. Each of these alleged 'contracts ' are herein rescinded due to lack of consideration as i, the consumer no longer view Federal Reserve Notes as consideration. XXXX, the contracts are not legally binding. 

Further, a criminal complaint will be pursued with the Department of Justice against the credit reporting agencies for failure to comply with FCRA 605 ( b ) " blocking '' fraudulent information on the consumer 's FICO credit reports within the 4 days allotted for the removal of said items.
Product: Credit card

I had an account opened with Synchrony/Care Credit for medical use of medical reasons. My account was in the amount of {$10000.00} and I was set to use the credit line for a medical procedure on XX/XX/2023. I have already placed a non-refundable deposit down for the XXXX. 

On XX/XX/2023 is my pre-op appointment and that is in a couple of weeks as todays date is XX/XX/2023. At my pre-op appointment on XX/XX/2023 I am supposed to pay the balance in full. Due to Synchrony/Care Credit closing my account to inactivity as their reason, my XXXX will be cancelled along with me loosing my deposit placed on the XXXX. 

The fact is I am very hurt and disappointed about my XXXX having to be cancelled. But I am angry that I will loose my deposit and theres nothing that I can do about it. 

Please help me, as I would rather have the credit line re-opened to have my XXXX next month. 

Regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

I noticed your recent settlement with Bank of America concerning delivery of unemployment insurance through prepaid debit cards. I was eligible for unemployment insurance in New Jersey and was unable to access the funds using the Bank of America card and Bank of America was not helpful in resolving the issues. 

How do I go about ensuring my name is added for review as one of the people eligible to receive prior unemployment insurance I should have otherwise received? I've tried contacting Bank of America and their XXXX numbers do not know what I am talking about. 

Thank you in advance for your assistance.
Product: Debt collection

XXXX XXXX has done this to numerous people. They received a cancellation letter from my new insurance when I cancelled them and they continued to charge me. They sent it to a collections agency who has harassed me none stop with letters to my house. Now I have seen a drastic drop in my credit score for something I strongly dont believe I owe.
Product: Debt collection

XXXXXXXX XXXX  keeps contacting me about a debt i do not owe {$1200.00}. I have called in many times over the years to tell them that is not mine i have never had an account with the original creditor Bank of America and they stop for a while then continue to send me out written notices about the same account that i have already said i don't owe its been going on over seven years now i just found out about this resource your company offers so i reached out to get this resolved its not being reported on my credit so i couldn't file a dispute about it. its really just annoying at this point. 

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

There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX XXXX {$6300.00} Date opened XX/XX/2017 XXXX
Product: Credit reporting or other personal consumer reports

I sent the documents Experian required as listed One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc.

Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years ( an official report filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false All was sent, as requested and they continue to say they did not receive the documents which are attached again to this complaint. 

An Experian rep started screaming at me on the phone for no reason. Every time I call to ask for a supervisor they get upset, claim one will call or they put me on hold and hang the phone up on me. Experian is not a reputable credit company. No company should give so many problems, it's unusual. 

Its against the law for them to publish accounts in dispute, this account has been in dispute for months, and they keep harming my credit score reporting it. I think it's because I'm a XXXX American, they feel as though they can harm me and get away with it. I have all the reports to prove what I'm saying and will be filing suit against experian over this issue.

My credit score was XXXX now its XXXX because of a false account that experian has received all documents requested to remove as well as my formal request to remove it. 

They are not a credible company anymore.. They just continue to lie while harming my financial record and wasting my time. 

No supervisor has called, nothing they say is accurate, and its been XXXX weeks, in which time I requested a call no one has called.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter on XX/XX/2022, but I haven't got any response from them nor have they updated my report. I am well aware that the FCRA are requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX, and the Office of the Atty General.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. 

Equifax XXXX XXXX XXXX Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. In the amount of {$490.00} There was no written form of communication contact or signature for this accused debt at all. Starting that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information. A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX wireless can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is showing account # XXXX I have a {$400.00} credit limit account is open but credit agency showing closed this is affecting my score I simply want to make sure its reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score is over 800 of XXXX yet my XXXX XXXX XXXX score is only XXXX of XXXX. Consquently, XXXX XXXX XXXX has imposed extra fees and restrictions on my account because of your slanderous scoring system.
Product: Money transfer, virtual currency, or money service

Coinbase is an online cryptocurrency platform. My account was fully verified with no problems for several months. Suddenly, and without warning, my buy/sell privledges were revoked. When I inquired to Coinbase, they told me - quote : " Coinbase reviewed your account and has determined that you are not eligible to use the Coinbase platform to purchase cryptocurrency or use our deposit services. As such, you are no longer eligible to link any payment methods. We are not able to provide you with any additional information. '' They further stated : " As a security measure, we are unable to elaborate on our internal decision process. This decision remains final and we will not be able to remove this restriction from your account. " If they don't want to do business with me that's fine, but they are holding hostage {$1100.00} that was charged to my bank. They have a {$0.00} " available for withdrawal '' balance. When I inquire they say : " We have not blocked access to the balance currently in your Coinbase account. While we can no longer process brokerage orders via our banking relationship, you may still send your balance to an external address and withdraw any remaining fiat from your fiat wallet to an active linked bank account once your funds are available to withdraw. '' and " You will be able to transfer, sell, or withdraw any balance currently in your Coinbase account. Please note, you may need to wait until funds are available for withdrawal and we will not be able to expedite this process. '' I CAN NOT withdraw my money. It is my money and I want it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain my credit reports through XXXX, and had absolutely no problems with XXXX, or XXXX. I received a message from Equifax that they were unable to supply my report, and that I would have to request it in writing. 

I completed the supplied form, included a photo copy of my SS card, Texas Drivers license and my voters registration card. Approximately two weeks later, I receive d a letter from Equifax saying that I did not provide adequate proof of Identity. Once again, I provided the same request, and identification documents and a copy of my phone bill showing my current address. It has now been more than thirty days and I have not received an answer or credit report. 

Equifax is always the most difficult company of the three, they simply do not want to deal with consumers. 

I would appreciate your assistance in receiving the report that They are required to provide by law. 

Today, I am making a THIRD request from them. This company should be REQUIRED to supply the annual credit report through the annual credit report process, and not be allowed to stall, hoping that they wont have to turn over the required information. 

Further, I believe that the questions to prove identiity should be reviewed, as they never pertain to my account.
Product: Debt collection

I was at a medical clinic for a check up on my health when I got XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The doctor called an ambulance when I was in this state of XXXX XXXX XXXX XXXX XXXX. The ambulance arrived while I was still in and out of awareness and took me away to the hospital, less than a XXXX mile away from the clinic without my approval. They also didn't contact my wife to make her aware of them moving me to the hospital or of my condition until I was already loaded on their ambulance. 

Having moved to XXXX  from XXXX I am very aware of how organizations like XXXX charge insanely exorbitant fees, in this case it appears to be over {$2000.00} for this ride. My insurance paid what they deemed acceptable for a ride like this, {$500.00}, and now XXXX is attempting to extort money from me that my insurance wouldn't cover. All this without me approving the ride, or being in any condition to approve of any ride in one of their ambulances. I would never had approved of the calling and then the transport to the hospital because of their reputation and the notorious fees they charge..
Product: Credit reporting or other personal consumer reports

Over an extended period, I have diligently contested the inaccuracies present within the information provided to XXXX, Experian, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate. 

Experian 1. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item. 

XXXX XXXX. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX Please ensure that all information is accurate 2. Under 15 USC 1666 Billing Error XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX Account number ( XXXX ), XXXX account number XXXX XXXX ), XXXX  account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX  account number ( XXXX XXXX XXXX XXXX account number ( XXXX ) has violated my rights. 
15 U.S.C. 1681 section 602A 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: Money transfer, virtual currency, or money service

I opened an account in XXXX on XX/XX/XXXX. I transferred XXXX to Coinbase, and I bought a virtual currency ( about XXXX Ethereum ) on XX/XX/XXXX. 

That same day I tried to transfer that virtual currency to another platform ( XXXX ) and my account was locked.XXXXI opened a support ticket, and I got an automated reply on XX/XX/XXXX. After that I got another reply on XX/XX/XXXX, saying that there were going to investigate it. It's been more than 3 weeks since that but still no answer. 

Following their instructions, I didn't open another ticket. I just replied the support email a couple of times to see if they were doing something but still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which are found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7400.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$7400.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If you feel there area possibility these items belongs to me, I will require all documentation that bears my signature ( another research items I found that requires you to remove. If you do not provide any records & claim the items are removed please understand I will seek legal action. I donot take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my XXXX document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : XXXX.
Product: Mortgage

I was denied credit as a co-signer for my son 's student loan due to CitiMortgage 's error in process/posting a paid-in-full check from my house closing. In addition, the law firm hired by Citi, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) also exhibited servicing abuse in regards to this transaction. 
Timing in life is everything. I sold my house on XXXX XXXX, 2010. See attached closing statement. On that same day I received a letter from the law firm acknowledging this transaction so both lender and law firm were cognizant of the closing. I was unaware that the credit bureaus were going to receive inaccurate information that I have forclosed. I was never informed of this error AFTER the closing or allowed to remedy this situation CitiMortgage should have released the law firm the day of the closing. No one acted on good faith and it is a cruel act of servicing abuse where there should have been a PAUSE in the foreclosure process. This is just sloppy and fraudulent practice on their part. I ( and I 'm sure others ) were NEVER given a chance to restructure. 
Unfortunately, the lenders have a history of deficient practices that must stop.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My payment history has always been consistent, and these late payments seem like a mistake.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts on my credit report, as I have been a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be removed from my credit file : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure whats going on. On XX/XX/2023 I filed a complaint for an alleged debt that was reporting to my Equifax consumer report by XXXX XXXX XXXX. I have given them more than 30 days to produce proof of this account as well as any written permission that was given to them by me to furnish the alleged debt onto my consumer report. XXXX XXXX XXXX has since removed its furnishing of this account from my consumer report.
Product: Student loan

XXXX refuses to allow it's loanees to make additional payments directly to principal. I've called customer service multiple times and they are very XXXX  about this situation. I feel that it is an intentional attempt to make clients pay more over the length of their student loans. They do not disclose this at the time of loan application.
Product: Credit reporting or other personal consumer reports

Since the beginning of XX/XX/year>, I have been trying to get Experian XXXX and XXXX to Delete the misspelling of my name and the Multiple Address on my Credit report. I have asked for proof of such a document with my sole name, and they still need to provide the original promissory note with my wet signature and an XXXX XXXX of all documents regarding any account. This company has yet to give me proper information. They have only responded by sending an itemized statement that does not have my XXXX XXXX. These debt XXXX engaged in deceptive and unfair practices of the FDCPA, which it prohibits. XXXX parties signed a legal contract, and I did not participate in any of them. More so, they should have bothered to Verify the proper XXXX validation procedure, which makes this an unfair practice. According to the FDCPA, I'm entitled to XXXX dollars per violation, and clearly, they violated my rights.