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

I am distressed that this XXXX has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have 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 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 which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX M XXXX GROUP LLC XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. Experian, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from Experian and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, a financial institution and furnisher of information, along with EQUIFAX AND XXXX, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX XXXX, EQUIFAX AND XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, EQUIFAX AND XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " 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 ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charged off/canceled is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX XXXX, EQUIFAX AND XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX XXXX, EQUIFAX AND XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and these fraudulent account were opened in my name. 
I have reported the identity theft and attched the filing documnets to this complaint. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For about 2 years I have been working with the XXXX credit card fraud department and the collections agency that XXXX retained to collect reimbursement for the debt. Around {$300.00} was fraudulently charged to my XXXX credit card a couple years ago, and although XXXX confirmed it was identity theft and found me not responsible for the debt, they still sent it to a collections agency, Midland Credit Management. XXXX gave me the run around for a year and a half, which eventually led to two derogatory marks being reported on my credit report for the same debt. 

I eventually reported this to the credit bureau directly, who removed the derogatory mark from XXXX but would not remove Midland Credit from my credit report. I then contacted Midland Credit directly and was given a fax number to send in documentation proving I am not responsible for the debt. I sent this documentation on XX/XX/2023 and received confirmation that my fax was sent. Since then, I received a letter from Midland Credit acknowledging my claim and informing me that they were still reviewing it. However, in the last couple of months I have now started receiving emails from InDebted on behalf of Midland Credit, still trying to collect the debt. At this point, I have done everything I can to try and resolve this but no one is helping me and I keep getting the run around. I don't know what else to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) 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. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I have Purchased Crypto From Coinbase On XXXX XX/XX/2021, worth of {$39000.00} via wire transfer thorugh XXXX XXXX. But somehow my Account got compromised so i had to disable my account. After that i tried to enable my account for like more than 15 times, I even got my ID verified a lot of times but there was no progress in getting my account enabled. I also created tickets to the help centre of coinbase but nothing changed. After so many attempts of getting my account enabled, I suddenly get an email from coinbase saying that i am not allowed to do anymore transactions on it and they have stopped all the services for me, and now i have just been left with one option that is to withdraw all funds. But as i see there on my coinbase account, I don't have any linked bank account on the platform and when i try to add an account, it says it won't allow me to add an account. So, it means that my money is stuck with them and i can not get my money out of coinbase. 
I even recieved an email from coinbase support saying that they can not help me any further. 
Kindly help me recover my funds from coinbase.
Product: Credit reporting

Several credit accounts and the corresponding trade-lines are not being reflected in my TransUnion personal credit report. They are being reported to the other bureaus. The creditors have advised they are reporting to TransUnion yet they accounts are not present in my credit report. This is adversely affecting my credit rating as my Average Age of Accounts is greatly diminished. This is a factor the XXXX scoring model uses in establishing an individuals creditworthiness. I would greatly appreciate assistance in having the following missing accounts reinserted into my TransUnion credit report. 

XXXX / XXXX Acct No. XXXX .... 
XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$8800.00} High Bal : {$1700.00} XXXX XXXX, XXXX XXXX Status : Paid/Closed Never Late Bal : {$0.00} XXXX / XXXX Acct No. XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$4400.00} High Bal : {$4200.00} XXXX XXXX, XXXX XXXX Status : Open/Never Late Bal : {$0.00} XXXX / XXXX Acct No. XXXX XXXX XXXX XXXX XXXX Opened : XXXX Limit {$4000.00} High Bal : {$990.00} XXXX, XXXX XXXX Status : Open/Never Late Bal : {$0.00} XXXX / XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit : N/A High Bal : {$750.00} XXXX, XXXX XXXX Status : Paid/Closed Never Late Bal : {$0.00} XXXX XXXX / XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit : {$11000.00} High Bal : {$3400.00} XXXX XXXX XXXX, XXXX XXXX Status : Closed/Never Late - Transferred XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$300.00} High Bal : {$91.00} XXXX, XXXX XXXX Status : Paid/Closed Never Late
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 however you have closed it on the same day. I sent a letter to the XXXX Credit Bureaus last XX/XX/22 to update this suspicious accounts. 
I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Please see the accounts that are reporting inaccurately on my credit profile : XXXX XXXX XXXX XXXX Balance : {$60000.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX  XXXX Balance : {$12000.00}.
Product: Student loan

Prior to enrolling into XXXX my biggest request was scholarships. I was advise since I was from the XXXX XXXX vs being a resident of the state of Florida I do not qualified. I learned from another XXXX XXXX XXXX citizen this simply is n't true as they received assistance through scholarships. Being from the XXXX makes me a United States Citizen. I went to several XXXX reps who advised there is nothing they can do, and being a minority I owe what I owe. The school I enrolled and graduated from is XXXX in XXXX XXXX it has been closed down. Those employees no longer work for XXXX.
Product: Mortgage

The mortgage servicer Select Portfolio Servicing , Inc. has violated the Dodd-Frank Wall Street Reform and Consumer Protection Act created by the Consumer Protection Financial Bureau ( CFPB ), Rule X is XXXX ( f ) ( XXXX, which prohibits dual tracking. 

Select Portfolio Servicing, Inc. continues to ignore the Qualified Written Request and Notice of Error and proceed with the foreclosure sale date.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i have sent a document to equifax on XXXX XXXX XXXX  for an explanation regarding how an investigation is conducted by way of 15 usc 1681i, but no answer from equifax. CFPB are you able to help me with this issue that its harming my credit worthiness, equifax is stopping me from obtaining a loan for a home for my family. I want this issue resolved.
Product: Credit reporting or other personal consumer reports

Apparent checking my credit report I have a fraudulent account from a company called XXXX XXXX.  It opened up on XX/XX/year> saying that I owe XXXX XXXX {$58.00}. I am Big on my credit {$58.00} I would have paid. I also have proof that I have a zero balance with XXXX, I recently moved and I took my XXXX account with me. There is no balance and I will be uploading my recent bill. I have no idea why this fraudulent account is on my credit history.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle through XXXX XXXX XXXX and they told me it would only be XXXX inquiry and if there were more after XXXX  days it would turn into XXXX. That was not true
Product: Vehicle loan or lease

TL ; DR Chase Auto Finance ( referred as " Chase '' below ) failed to request refund of a wrong-charged property tax even after numerous communication. First they told me I did not have to pay this wrong property tax, then they tried to collect debt on it aggressively. 
Details : I leased the vehicle from Chase between XX/XX/XXXX -- XX/XX/XXXX. During the time, I registered the vehicle in XXXX CT between XX/XX/XXXX -- XX/XX/XXXX. However, due to some incorrect calculation, I have been charged for an extra year of property tax in CT, which was around {$900.00}. 
Around XX/XX/XXXX, when I noticed this issue, I immediately called Chase several times and their representatives confirmed that I didn't have to pay this because they would request refund to write-off this balance. Then per their requirement, I mailed all the proof for their refund purpose. 
I continued to pay all my monthly payment until I returned the vehicle on XX/XX/XXXX. Meanwhile, Chase kept telling me that I did not have to pay the property tax because they were requesting the refund. Out of good faith, I paid extra more than {$800.00} to cover the {$300.00} turn-in fee and hoped they would refund me the rest as long as they receive the refund from the property tax form XXXX XXXX. 
From XX/XX/XXXX, Chase suddenly started the debt collection process first by themself and then turned this account to several debt collection agents, claiming that I have to pay them back around {$500.00} regardless there is any potential refund or not. This behavior caused lots of interruption in my life. 
At the same time, I called Chase numerals times asking whether they had requested refund from XXXX XXXX. They said they did, as long as I remember, they confirmed they requested this refund on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
However, I called XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX on XX/XX/XXXX, according to the their record, there is no refund made from Chase at any time. Then I called Chase again at the same day asking why they deliberately procrastinated the refund request and what they wanted to do to resolved this case, they refused to give any resolution. 
Clearly Chase have long been ignoring the legitimate refund request on purpose to create unnecessary balance. At the same time, they were still aggressively collecting the non-existed debt. Their service and this whole experience caused a huge pain and an unreasonable burden for me, because I had to communicate with several debt XXXX, have long call with Chase in numerous times and even find record from the XXXX XXXX. 
I demand Chase to stop the debt collection and refund my net balance as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX IN violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX IN is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX IN has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX IN has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Mortgage

To whom it may concern : l have been a client/customer of Bank of America for a longtime and l would like your help CFPB with this dubious issue! Due to a change in my financial income and a substantial-increase in expense obligations, l decided to respond to the correspondence sent to me by, BOA. During that time, l was constantly charged late fee 's due to paying after the XXXX of every month and on occasions was thirty-days late! l attempted to respond on ( XXXX ) XXXX occasions to BOA, ( account supervisor ) as per correspondence sent to me. l left XXXX messages and neither of the calls were returned. This banking practice was previously sanctioned by the U.S. Department of Justice and settled! I then decided a face to face meeting would be better served! So l decided to participate in ( XXXX ) of the ( XXXX ) required Banking community out-reach relief locations for help regarding the loan modification program! However, before l could attend XXXX XXXX XXXX NJ. I received a letter at my XXXX XXXX , with regards to termination of mortgage services. It is my believe BOA deliberately refused to notify me, promptly via : telephone, email, or home-address that their servicing obligations would stop within fifteen-days ; with confirmed acknowledgement. Oddly, weeks before however I received from BOA that my accounts would change starting XXXX XXXX. Not understanding the letter, I went to the bank for clarity. It is my belief, my inquiry in-regards to Bank fees and the lack of major account funds in account caused the transferring my loan to XXXX although competent, BOA Branch Asst. XXXX XXXX, verified my BOA account qualified not to be charged extra fee 's, the bank serviced my home-mortgage and my mortgage was linked to bank account. To find my mortgage would be transferred is a disgrace and a ruse not to comply with the settlement reached between, The U.S. Department Of Justice and Bank Of America, which was reached XX/XX/XXXX. I am very disappointed with the service and treatment of BOA! Additionally, l am trying to stabilize my current financial situation and believe face to face customer service help oppose to XXXX, which operates outside XXXX with numerous integrity issues as per customer based XXXX complaints would n't help my situation nor BOA 's customer service needs or the settlement compliance reached between The U.S. Department Of Justice. 
Please contact me XX/XX/XXXX, they are threatening to transfer my loan at end of business day!
Product: Credit card or prepaid card

I received a letter form Synchrony Bank notifying me that someone requested a PayPal Cashback Mastercard account without my permission or authority. The letter noted that the request was made on XX/XX/2023 and that " Your PayPal account is in a locked status ''. It was further noted that I did not need to respond to the letter. 

I contacted Synchrony Bank and expressed that the attempt by someone applying for the bank card was fraud. The bank rep advised me that the information provided would be noted to my account.
Product: Credit reporting or other personal consumer reports

Experian had removed a fraudulent account off my credit report and then place it back on there with a new debt collector.
Product: Student loan

I attended XXXX College in XXXX, CA from XX/XX/XXXX-XX/XX/XXXX. I took out a loan through XXXX XXXX who then sold my loan to UAS University Accounting Service , LLC . I would like to know if my loan was included in the CFPD settelement that was granted to some loans with XXXX XXXX.