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 Account Number:XXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXXXXXX. I do not have a contract with XXXX XXXX XXXX, they did provide me with the original contract as i requested.On XXXX XXXX I received a letter from my XXXX XXXX XXXX XXXX who provides services for my health insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX but they could have had access up to 30 days prior. Below are attached documents
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. BANK OF AMERICA REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$620.00} TO XXXX. ALSO XXXX HAVE REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$910.00} TO NUMEROUS CREDIT REPORTING AGENCIES UNDER MY NAME. AS OF TODAY AND TO THE BEST OF MY KNOWLEDGE, XXXX AND XXXX is the only 2 CRA 's THAT STILL REMAINS. XXXX, XXXX, AND XXXX ALREADY REMOVED THE DERAGOTORY ITEM FROM MY PROFILE. ACCORDING TO THE FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.s1681-1681y. 
XXXX IS IN VIOLATION WITH CONSUMER LAW BY NOT IN COMPLIANCE WITH SECTION 623 OF THE FCRA, 15 U.S.C. 168s-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had any type of credit with nor signed any paperwork with Portfolio Recovery Associates yet they are reporting on my credit report that I owe them {$470.00} which is detrimental to my credit status, inaccurate and untrue.
Product: Credit reporting or other personal consumer reports

Going back thru XXXX  my personal information was stolen from our storage unit, also a vehicle was stolen from the property with personal information, this person was caught and later released from XXXX, however he tried to purchase many vehicles in my name now all credit bureaus refused to take off inquiries with is hurting me badly, there are over 100 of them XXXX from all 3 bureaus I have provided lots of information they have asked for, police reports and case numbers..
Product: Credit card or prepaid card

( One issue ) My wife and I have a new Verizon credit card ( Synchorny Bank ), opened XXXX 2020. Small credit limit of {$1000.00}. When we get close to that limit, we make a payment, sometimes multiple payments ( two ) in one month, depending on usage. The second payment is received by XXXX, money cleared from my checking account, but the second payment is not applied to my balance. After talking to XXXX on multiple occasions they told us they are " holding '' the payment because of " money laundering '' or " cancelled transactions '' issues, not me, but this type of activity has caused the business millions of dollars. ( Second issue ) I ask for a credit limit increase to resolve this. The increase is denied and the reason given is " Insufficient experience at your current credit limit ''. When I call XXXX and ask, I am told it's their " policy '' or " computer generated '' decision, nothing can be done, no further explanation. Both my wife and I have 800+ credit scores. No transparency or other reason for denied credit. Two issues here, XXXX is holding my money on second payments and not explaining being denied a credit limit increase. Do I have recourse?
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX Has violated my consumer rights by reporting accounts related to identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy please proceed accurately Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. 

all documents attached to proceed with Deletion Police Report, FTC REPORT, XXXX XXXX XXXXXXXX, and dispute letter attached 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



HERE ARE THE IDENTITY THEFT ACCOUNTS & INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. 


TransUnion NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

Unauthorized payments being made to my account.

1st time : Called about payment being made from an bank account that was not mine, {$400.00} applied to my balance. Case was closed without resolution. CSR check my accout and I didnt have autopayment activated. My card number was changed as precaution. I did see an unauthorized payment being made when I was login on to make my payment, and cancelled it. check the next day and the XXXX $ payment was being made from another account and could not cancel it. 

XXXX time : made a payment on XX/XX/XXXX XXXX for {$150.00} ; unauthorized XXXX payment was made same day at XXXX for {$1000.00}. Called on monday to cancel and explained the situation. Told them it was the second time a payment has been applied without previous authorization and I have never had this situation with any credit card or banking institution.
Product: Debt collection

My identity was fraudulently used to receive a loan from ILOAN/ONEMAIN. The address used for this loan has never been my address. The identity thief used a paper copy of my ID also. The address on the loan & id never matched up, which should have been a red flag for a company who is supposed to throughly verify identities before issuing out loans. Phone numbers, email address, etc. are also not linked to me. Even after filing the proper police report & other supporting documents, this company is still holding me accountable for this loan.
Product: Mortgage

We where in a modification with Nation Star Mortage. We had last trial payment due. When the payment was processed We discovered that someone had stole our identity on our accounts and filed Tax returns for 2016. I explained to Nation Star about this and sent a letter of explanation. I did n't want a modification but for them to reinstate the loan moving forward. We have placed fraud alerts on our accounts and are trying to get this back in track. We have equity in our home. So the loan to lend ratio is solid.    I am just asking to reset and move forward this was never an issue with making payments on the mortga ge. Four payments w ere made prior to this identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

My accouny was closed and wafd bank sent me a check with my funds on it and then stop paymented the check and never told me and refused to honor the check they wrote to me,
Product: Money transfer, virtual currency, or money service

Complaint is on Money Gram service, where I tried to send {$1100.00} to my sister due to an emergency. I used my charge card and the transaction is pending, and Money Gram notified me that the money was ready for pick up. When my sister, XXXX XXXX tried to pick up the money, she was told to have me call Money Gram. They transferred me on the phone, around and around until I finally got someone to say that they were cancelling the transaction, due to suspicious circumstances, whatever that means. I gave them all my information, including my license number to no avail. Each person I was transferred to was more and more frustrating to deal with. Eventually I used another service agency with no problems at all. The problem that I have now is that they cancelled the transfer, yet did not reverse the transfer with my charge company, so the transfer still shows pending, and I have my available money with my visa held up in this pending situation. All of the details are on the attachment enclosed. I will never be using this company again. Although I have used this company many times in the past, never have I had such a problem, with them offering no real reason for what they did.
Product: Credit reporting or other personal consumer reports

I am attempting to buy auto insurance and being told there is no auto insurance rates available in my area due to my XXXX XXXX. How am I supposed to live without the ability to attain auto insurance for my vehicle in my name? I haven't had an at fault accident in the recent 2 decades, never killed another driver or passenger ( s ), never had a DUI or DWI BUT STILL DON'T QUALIFY FOR AUTO INSURANCE IN MY AREA? Insurers are taking advantage of consumers with the help of LEXISNEXIS XXXX XXXX which is INACCURATE, UNETHICAL AND BIASED. I attempted to attain a copy of this XXXXXXXX XXXX via online request and got denied! I called in over the phone and got denied because " my address wasn't verifiable '', who gave these people my personal/confidential information in the first place to even use to verify ANYTHING?? THEY ARE ALLOWED TO REPORT NEGATIVE, BIASED INACCURATE FALSE INFORMATION to insurers for their benefit ABOUT MY insurance HISTORY WITH NO RECOURSE WHICH IS TOTALLY UNCONSTITUTIONAL.
Product: Credit reporting

I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that they are currently listing the account as 120+ past due when that is not true. The accounts have been closed for years so how can it be currently past due if they were transferred/sold years ago?. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.
Product: Money transfer, virtual currency, or money service

I have been an customer of Coinbase.com for the past year. I wire transferred numerous times back into my bank account. In this most recent one on XXXX XXXX, 2017 at XXXX XXXX the funds of {$1000.00} never entered my bank account. I gave them a week and called Coinbase. They said that it went through, contact your bank. I contacted XXXX XXXX and they told me their wire transfer department does n't see the bank wire on their end, and to get them a federal reference number. I then contacted Coinbase again to ask them for the Federal reference number for my bank wire and they replied, " we have moved your issue to a specialist, and moved to top priority. '' Now a month later i called back for a fourth time regarding the disappearance of my money, and they hung up on me. Their company is so backed up with calls that when you call them it says to call again later. I have also reached out to them via email. I have no idea if they even got to my problem.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  Balance : {$6700.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/XXXX, I was contacted via phone by a representative from this financial institution. The representative on the phone asked for XXXX XXXX. She proceeded to say that she was calling in reference to a check that I cashed from my account. I asked again where she was calling from and she stated the place of her business. I said I am unaware of what account you are talking about. She proceeds to say we are calling about a check that was sent you at XXXX and gives me my previous address. She never asked me for my address. I responded by informing her that I have not lived at that address for about 17 months. She said did you cash a check into your account for {$600.00}. I again explained that I have no idea what she is talking about, I do not have an account with their financial agency. She asks again am I, XXXX XXXX? I said yes I am. She then discloses my prior address again. I sternly explain, I did not cash a check and I no longer live at that address. She says is your DOB and discloses my DOB information, followed by is your Social Security Number and discloses my entire SSN. I said ma'am where are you getting all of my sensitive personal information. She proceeds to say that they will need to make a police report if I did not sign this check. At this time, she places me on hold and the manager comes to the line and says that I can come into the business and verify the check. The signature does not match and the manager says that I should not file a police report! I asked the manager how someone could cash a check with my name and no identification was needed. She said she did not know. I know that when dealing with sensitive information, especially through a financial institution, sensitive information is never to be disclosed. I feel as though this company broke a breech of privacy and personal information. I did contact the local police and make a police report, I also reported this to the post office as this was a check that was mailed. I have an investigation started with the mobile banking app for the account that the check was deposited into.
Product: Mortgage

NationStar now called XXXX XXXX insist that I owe lender fees in the amount of {$1200.00} connected to XXXX XXXX XXXX from XXXX when the mortgage was given to NationStar at the time for loan servicing. Since then I have been delinquent and file bankruptcy in XXXX. XXXX XXXX has not explain to me fully how the fees can remain unpaid even after all monies have been paid to bring account current coming out of BK. The company quote a long list of charges and fees but not an adequate explanation. The latest offense is requesting over {$1100.00} from a lender for a second on the mortgage loan. When I called the company no one can explain to me how after all these years from a XXXX mortgage loan I can still owe lenders fees. They held up the 2n mortgage loan until they were paid. NationStar or XXXX XXXX has tried every dirty trick in the book to charge me extra fees and lender paid fees in the Escrow account. I am sick of it. I want an audit of my loan since XXXX XXXX XXXX gave the servicing of the loan to NationStar/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  account on disputed XX/XX/year>. Never received any information or updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained copies of my credit report and noticed inaccurate information being reported on my credit reports. I contacted the credit bureaus and failed to receive a response within 30 days which per the FCRA, credit reporting agencies are required to respond with proof of validation and that has not happened.