23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TRANSUNION XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information. 

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. TRANSUNION has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file. 

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

White man came to my property at XXXX XXXX XXXX XXXX at XXXX XXXX walked up the driveway took pictures of my ( the ) vehicles ( license plates ) in the driveway, walks to the door, and places a envelope ( attached ) to the front door screen. All this is taking place as my folks that reside at XXXX XXXX ' XXXX XXXX year old son is observing on surveillance video while watching TV. He asks the white man what he 's doing as he walking away from the front door down the driveway again, taking pictures of the front door, and car license plate in the driveway. Gets to the end of the driveway and answers the kid by hollering out " XXXX MOVE '' ... The kid takes the envelope from the front door, and gives it to his mother who gives it to me. The statement in the envelope says : Urgent Notice : Please contact your mortgage servicer immediately at : XXXX Thank You " XXXX MOVE ''
Product: Checking or savings account

On XX/XX/XXXX and XXXX a hold was placed on two deposited checks ... ..the bank then closed my account ... After much follow through I submitted the letters and all that was needed to release these funds .... Bank of America claims that on XX/XX/2018 a Certified Check for the {$3100.00} was sent to my FORMER address at XXXX XXXX XXXX XXXX XXXX in XXXX, TX. The check was never received. I moved to the new address on XX/XX/XXXX and had left a forwarding address with the USPS. I called the bank on XX/XX/XXXX and let them know I had not received the check and my new address. As of today XX/XX/XXXX I still have not received my check or money and I have been told by Bank of America that I will have to wait another 90 days before they can issue a new check. The business that I needed to pay with this money is still waiting for their funds and is about to start legal procedings with me to get this money back that I am still waiting for ... .. I need this money and check issued to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


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

Ive noticed unauthorized hard inquiries on my credit report that conflict with 15 USC 1681b ( c ) ( 2 ). These are affecting my credit, so please remove them immediately.
Product: Consumer Loan

I have just been notified that my Care Credit card ( Synchrony Bank ) has deferred interest of 26 %. I have been paying over my minimum for the last year and a half and to my dismay my " promotional purchase '' expires next week and i will be slapped with an additional {$600.00} in interest and the following month another {$300.00} for interest alone. I am completely confused by this and tried to transfer the balance to a lower apr credit card, but Care Credit denies such transfer. This is unethical. Please help!
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX, I had reached out via phone to the company to make a payment on my account, at the time the women on the phone had submitted a payment, but when my next statement got generated, it was still showing a past due balance, I called back and apparently this had been applied to my other loan account. They said no one problem we can't apply it to the other account but we will send the payment back and you can make the payment again. Which I did and they still marked it late even though it was not an issue on my end. I will not be dinged for them applying the payment to the wrong account and never would have been late had that not happened and would have gladly paid an additional payment, had they offered that when instead they said to wait till the other payment got returned to me. I hope they'll correct this before I have to take this any further Including potential legal action.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX, XXXX Original creditor : XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX Original creditor : XXXXXXXX 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 count with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they 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. This was already included in my prior COMPLAINT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Law Office of Brett. M. Borland P.C. willfully, diligently and deliberately violated federal law by attempting to collect this alleged debt and furnishing a deceptive letter. They vaguely responded to my last CFPB complaint which included my first Affidavit of Truth by stating they are no longer handling this account. This does not excuse this Law Office 's blatant violations of federal law. There is no statute of limitation on fraud as they should well know. They might attempt this deceptive response tactic once more with this CFPB complaint. I have included my newly updated second Affidavit of Truth attached below which they received and signed for on XX/XX/2021. As outlined in my both of my Affidavits of Truth now in their possessions the Law Office of Brett. M. Borland P.C. has broken countless federal laws which I have carefully explained and narrated in both documents. All my remedy demands outlined in these documents are demands and not request as is my right as the federally protected consumer and natural person. This company is currently causing me lots of injury any further delays and illegal actions by them will only worsen this matter for them as I progress through my private administrative process. This second Affidavit of Truth serves as my second step in my private administrative process to resolve this issue. The Law Office of Brett. M. Borland P.C. is delaying and acting like these issues ( their blatant violations of federal laws ) will go away if they stay silent and like they can get away with it. However, as I diligently move through my private administrative process things will only get worse your firm in the near future. You have time to resolve all outstanding issues by providing all my outlined remedy demands which includes paying the attached invoice. Again these are all demands and not request as the original creditor, federally protected consumer and natural person pursuant to 15 USC 1692c ( c ) ( 2 ) of the FDCPA and under Title 15 Chapter 41.
Product: Mortgage

Me and my partner are looking to purchase my Grandmothers house. We are looking to assume her loan since it is an FHA loan and she has a good interest rate. We started this process with Mr.Cooper in XXXX of 2023. It took them a while to send us the application to fill out by mail. When we did receive the application we promptly filled it out and returned it to them. We didn't hear anything back for a few weeks, so we contacted them and they said they didn't receive our application. Instead of trying this process over again they allowed us to submit our application and documents online via one of their secure web browsers. We submitted these documents XX/XX/2023. I was told this application process wouldn't take more than 6 months to complete. Mr.Cooper has my call records of me calling them each month for updates and they tell me the same information. That they are waiting on my application to be approved and accepted by a loan officer. After me constantly calling they finally forwarded our application to a loan officer on XX/XX/2023. We submitted the required information the same day. I thought after getting a loan officer we were moving in the right direction, but it was the exact opposite. That was the last time I would be in contact with our loan officer. I emailed him XX/XX/XXXX of 2023 and didn't hear anything from him. After not hearing back from our loan officer I tried contacting Mr.Coopers customer service a few weeks later. They are never any help because they claim the assumption department is an internal department and they have zero information on our application. They tell me they will forward this to them, but I never get any phone calls or emails from the assumption team. I have tried contacting them numerous times, but essentially I am getting ghosted by the assumption department. To me it looks like they do not want to complete our assumption application because they aren't going to be profiting from it and if they ignore us long enough we will go a different route. I think it is unacceptable and unprofessional to do what they are doing to us. It has almost been a year since we have tried to start this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out some information on a website and they must have fished my information around to other credit companies without my consent I applied for a home loan and I noticed several mortgage companies on my report without my consent
Product: Credit reporting or other personal consumer reports

This account was canceled on the following date : ( XXXX XXXX  ). Since then, the account has been updated as canceled every month. This is an update in the payment history. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You did not investigate this account properly, and your negligence has violated my rights. I demand the deletion of the following account : 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

XXXX, XXXX, Experian. All of these credit reporting agencies are reporting, inaccurate information on their reports without my written consent. According to 15 U.S. code 1681B. They are reporting late payments with XXXX, inaccurate addresses, as well as employers that I dont work for. I never gave them written consent to report my information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an XXXX  XXXX  helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX {$3000.00}, XXXX XXXX XXXX XXXX {$27000.00}, XXXX XXXX {$460.00}, XXXX {$2000.00}, XXXX  XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a prior debt with XXXX XXXX to a collection agency. My paid a settlement to clear the account after a horrible car accident which left me horribly XXXX. The account was settled in XXXX. Debt appeared on my credit report in XXXX. Called XXXX  XXXX/XXXX XXXX and collector refused to give him name, told me a lawyer was trying to sue me and refused to give me information to send my paid letter. XXXX complaint filed in XX/XX/XXXX. Company claimed they would look into the issue and call me. They never contacted me whatsoever. I have mailed 4 copies of my paid letter to XXXX XXXX billing dispute address in Ohio. I have disputed multiple times with reporting agencies. The debt I paid HAS NOT ONCE BEEN UPDATED TO SHOW PAID SETTLEMENT AND HAS NOT BEEN REMOVED. I feel I am being SCAMMED.
Product: Credit card

The creditor provided a credit card and after the credit was used decided to close the account. A balance was left and so on this account. I contacted a representative which an agreement was made over the phone to repay the balance. The creditor continues to charge interest on the account and keeps making charges on the balance. Accumulating the balance over 6 months. I contacted the branch manager on XX/XX/year> on this matter on a recorded line and she stated that I can not stop the charges and I can not close the account that the creditor closed themselves. I, the consumer does not have access to this account nor the online portal access. This account was reported on my credit report as closed and now its open occurring interest and charges over 35 %. I feel that the creditor is an abusive creditor. All payments agreed upon did not bring the balance down. I requested to stop charging the account that it was closed and they refused.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO YOUR COMPNAY ( YOU ARE REPORTING A LATE PAYMENT ON MY XXXX  ACCOUNT. YOU ARE REPORTING XXXXXXXX XXXX XXXX '' AS LATE. I WAS NEVER LATE. UPDATE THIS LATE PAYMENT ON " XX/XX/year> '' TO CURRENT OR PAID ON TIME. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXXXXXX the payment history and the date last active is inaccurate. 

XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate.
Product: Money transfer, virtual currency, or money service

When I signed up for a Coinbase XXXX account, Coinbase failed in their Duty to Inform me, as a user, of the miners ' fee components of their transaction system. 

Due to the excessive miners ' fees charged on Coinbase XXXX, I am unable to access my own funds that I lent out, let alone liquidate my accounts and transfer the crypto currencies to a wallet where I can maintain more control. 

I have 4 different crypto currencies held on my Coinbase XXXX under the profile name, @ XXXX, that I am unable to access, withdraw, and/or swap for other crypto currencies. 

I attempted to resolve this issue with Coinbase Support, under XXXX # XXXX, but Coinbase support was unable to escalate the issue to the appropriate level to functionally and actionably address my issues. 

I requested multiple times for Coinbase to liquidate my crypto currency holdings and transfer them to my Coinbase account associated with my email - XXXX. 

Coinbase 's actions have left me vulnerable, being unable to access my own funds to cover everyday expenses, and feel predatory given the fact that Coinbase XXXX does not sufficiently disclose the fees associated with transacting on Coinbase XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is threatening me. I contacted them they refue to show proof of how i got this on my credit its not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all XXXX bureaus about this mistake. 
Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00XXXX XXXX XXXX XXXXXXXX {$0.00XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00XXXX XXXX  XXXX {$0.00}