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. And I want these accounts Removed from my Credit Report. 

XXXX XXXX XXXX CLOSED ), Acct Number XXXX XXXX Reported Balance  {$5900.00}. 
Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX CLOSED ), Acct Number XXXX XXXX Reported Balance  {$3400.00} Date Opened XX/XX/XXXX. Account Status CHARGE_OFF XXXX ( XXXX ), Acct. Number XXXX XXXX Reported Balance  {$14000.00} Date Opened XX/XX/XXXX. Account Status CHARGE_OFF XXXX - XXXXXXXX XXXX  ( CLOSED ) Acct. Number XXXX XXXXXXXX Reported Balance {$6000.00} Date Opened XXXX XXXX, XXXX. Account Status CHARGE_OFF XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance  {$0.00} Account Status CHARGE_OFF Date Opened XX/XX/XXXX. 
XXXX - XXXX XXXX  ( CLOSED ), Account Number XXXX XXXX Reported Balance  {$26000.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ), Account Number XXXX XXXX Reported Balance  {$19000.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance  {$2100.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX ( CLOSED ), Account Number XXXX XXXX Reported Balance  {$5800.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) Account Number XXXX XXXX, Account Status CHARGE_OFF, Date Opened XX/XX/XXXX. 

These accounts in my report 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 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 card

I want to file a complaint against Discover card. My account with them was paid in full when they closed my account right after I paid the balance to XXXX in XXXX. Discover is now reporting on my credit that, the debt was discharged as part of a bankruptcy. 
I have taken the steps to dispute information being reported by Discover Card on my credit report with XXXX and the case has been resolved unfavorable to me, despite having shown proof of its inaccuracy. 
I filed a chapter XXXX Bankruptcy Date Filed : XXXX XXXX, XXXX, and no credit card debt was included in the bankruptcy. Only a charge off auto loan and 2nd mortgage debt. I have attached documents from the bankruptcy trustee showing the items included in the repayment plan. Discover XXXX credit card for XXXX was paid in full by me before I ever filed bankruptcy. Now they are reporting on my credit report that the debt was included in the bankruptcy which has/continues to adversely affect me. It should be reporting as a paid closed account with a XXXX balance as of XXXX, showing I had a high balance of XXXX and paid it down to XXXX. not that unsecured credit card debt was included as a part of a bankruptcy. This is not fair credit reporting. Please require Discover to provide proof of my last payment to them and last statement. Which will show I paid this in full prior to my ever filing bankruptcy and XXXX money was paid to them or included in the bankruptcy plan. 
I have also attached they last statement i have showing my balance at XXXX before they closed they account, prior to the bankruptcy.
Product: Consumer Loan

More than a decade ago, I began receiving debt collection letters and calls regarding a XXXX XXXX loan for someone with a similar name. Its not on my credit bureau. Its not identity theft. Its debt collector " skip tracing ''. I have received over XXXX calls and letters and I just received another. Every time I contact the collector they just re-sell the debt to someone else, for more than a decade. Then I receive a new set of calls and letters. Its been a dozen different fly by night collector organizations. The current letter is from First National Collection bureau. This is a long time harassment that I would like to see ended.
Product: Credit card or prepaid card

Comenity bank has received my balance transfer for {$2200.00} from XXXXXXXX XXXX. Comenity claims it was never received. However, XXXX XXXX  has performed a trace and clearly says it was received by Comenity bank on XX/XX/2020. I am not delinquent on any payments and this is the first time this has happened. I have sent larger payments in the past and had no issues. It has been over 2 months and have been sending secured emails to the company with the attachment. Nothing has happened and only receive generic responses.
Product: Checking or savings account

I write a check for XXXX $ but chase bank took XXXX $ from my account, I called Costumer service and they say, there's no chance to solve the problem. 

The case number is XXXX
Product: Money transfer, virtual currency, or money service

I had almost XXXX BTC ( XXXX ) in my Coinbase Pro account which was stolen XX/XX/2023. Ever since the migration from Coinbase Pro to Coinbase, I started having issues to sign in to my account through the app. Coinbase said I had to login through the browser which I did after a few attempts, resetting my password, sending a live selfie to authenticate my identity and waiting 24 hours to log back in, only to find out that my account had been left with only {$0.00}. I do not understand how it was so difficult for me to log into my own account and so easy for whoever stole my hard earned money and savings of many years. When I contacted Coinbase, I was never able to talk to anybody in the Support Team where they escalated the issue to. Something so serious and important as this, had to be handled through email only. There was never a supervisor or manager on site that they could transfer me to. One of the representatives I talked to in customer service even found it funny that I was so upset about what happened that started giggling while I talked to her. I thought since Coinbase is publicly traded in the US, it was a reputable company and that my money was safe with them. How is it possible that they are allowed to make money with our investments and they don't seem to be responsible for protecting our funds? Aren't they supposed to have some kind of insurance? After what happened, I heard that dormant accounts can be targeted and I was one that would not login everyday. I look at it as a long term investment so I would sign in once or twice a month, sometimes longer. It still bothers me that even credit cards take more security measures through text messages and calls to avoid scams than Coinbase who is supposed to be responsible for our investments. Why did they block the account once the money was stolen instead of blocking it when they saw all the money was being transferred until they verified that it was actually me sending the payment? I went to different police stations to file a report. One of the officers seemed mad that I was wasting their time and said they had nothing to do with this and that it was my responsibility as it was a high risk investment and Coinbase not a physical bank. It was as if she was glad I'd lost my money. I am very disappointed at how Coinbase has handled this as they don't want to take responsibility that my money disappeared from the account I had with them. I feel discouraged and I am taking a leap of faith in filing a complaint with this institution as one of my last recourses to recover my investment. Your attention and help with this matter will be greatly appreciated!
Product: Credit reporting or other personal consumer reports

I am writing to address incorrect personal information that are reported on my credit report.
Product: Credit card or prepaid card

re : The PenFed XXXX Visa Card offered by the PenFed Credit Union In XX/XX/2022, I received a notice from PenFed Credit Union of my pre-approved offer for a PenFed XXXX Visa Card. I followed the procedures in the offer letter to accept the pre-approved offer. I received the card some time in XXXX. It is now XX/XX/XXXX and after multiple attempts I have been unable to access my account via the application or online through the website. On or about XX/XX/XXXX I spoke to a PenFed representative regarding my account and discovered that my account had been 'blocked ' by the PenFed 'fraud ' department. I have never been able to access my account online nor have I received a statement so that I might be able to review transactions to verify if there are any mistakes on my account. I believe this to be a breach of the Fair Credit Billing Act and a breach of the Cardholder Agreement. Further, I have been prevented from speaking with a Representative in the Financial Security Department to discuss the reasons for my account being blocked.
Product: Prepaid card

I have tried using it on online platforms such as XXXX or XXXX. They have denied verification to add them to my payment options. There was also the problem trying to connect my gift card to XXXX due to some stores not taking Amex but will take XXXX. However, I was denied the connection because XXXX denied verification too.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the accounts which needs to be corrected or removed by the Credit Bureaus : XXXX. XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 


I have enclosed copies of documents that support my claims, including [ attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address corrections ]. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.
Product: Credit reporting 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. 

( XXXXXXXX XXXX XXXX XXXXXXXX / 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 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: Debt collection

Continuously harassed via telephone for old debts that were fraudulently opened as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX PREMIUM-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have tried to remove the fraudulent mortgage account from our credit profile but the credit bureaus ignore all requests and demands. 

i nor XXXX XXXX did not nor ever gave consent to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXXXXXX XXXX nor XXXX XXXX nor XXXX XXXX XXXX, to use our names, images nor likeness nor consent to forge a Signature and take our identities in attempts to pass along fraudulent, unverified security instruments. there is a scheme currently in place to unlawfully attorn property from us at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX all parties are with knowledge that no mortgage, loan, promissory note were ever signed by XXXX XXXX XXXX XXXX XXXX XXXX all parties contend on proceeding with attempts to foreclose our property and use our identities and forge signatures purporting to be ours. these parties are in direct violation of 18 U.S. Code ss. 1028 ( a ) ( 1-8 ) & 18 U.S. Code ss. 473
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission.Please remove this item from my credit report. 

XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

My ex husband cashed a home owners insurance refund after the sale of our marital residence. The check was made out to my ex husband and to myself. He was allowed to sign and cash the check without my authorization. I have obtained a copy of the cashed check from my homeowners insurance and I want the banking institution to look into why he was allowed to cash this check without my signature. I am attaching a copy of the cashed check and I believe it was cashed at Bank of America ( please see bank # 1XXXX ) This is an alarming situation and a situation where funds were stolen from me, by my ex husband. I have email correspondence with my ex husband where he told me my name wasn't on this check. The financial institution that cash this for him should be looked into and the person responsible should receive disciplinary action up to including termination.
Product: Credit reporting or other personal consumer reports

Ive been trying to dispute these account Ive reached out to the collection agencies and also the three credit bureaus and they refuse to remove it after sending a police report and ftc. According to the law a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) 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. XXXX XXXX credit card Account number : XXXX Amount : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Amount : XXXX XXXX police department : Approved by XXXX XXXX Report XXXX Each account has been investigated by the XXXX police department and declared as fraud
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX  Account Number : XXXX Bal : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4900.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$300.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I filed a dispute multiple times with Experian. I first tried to file dispute on-line but received an error message when unloading supporting documents so I had to mail them in. 
Their reply to the dispute has no naritive on what they based there decision on. It doesn't show they read notes or supporting documents. They only show information from the credit card company. I have asked to speak to a supervisor and non is ever available. I'm promised one will call back but they bever do. There dispute process is frustrating and broken. The only thing representatives can do is file another dispute which produces the same results. 
I am disputing the monthly payments on my credit card account and the dispute process never seems to address my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX XXXX XXXXXXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX XXXXXXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX ACCT # XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX  ACCT # XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX ACCT # XXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX ACCT # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX ACCT # XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.
Product: Credit reporting or other personal consumer reports

i am not liable for the debt owed of {$2500.00} to XXXX XXXX XXXX.i did not sign a contract with XXXX XXXX XXXX..
Product: Vehicle loan or lease

Several years ago I purchased a car at a used car dealer with credit acceptance. They gave me a 28 %. This was in XXXX  I think. They added an extended warranty for XXXX $ when I tried to use it they said that because the mileage was altered on the contract ( finance manager wrote over the number by mistake ) they couldnt honor the warranty. They said the mileage was wrong. So I was left paying for a car with no engine and not being able to repair. I finished paying the loan and for a car that was XXXX I ended up paying in fees etc XXXX dollars during 4 years. And again no car to show for it. I went back to the dealer and they were closed down so I was never able to resolve the issue.
Product: Debt collection

Today I received an alert from my credit monitoring service that this company has placed a collection item on my report. I have received notification from this company