23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX 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, credit repair services, or other personal consumer reports

I recognize that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times.

PNC Bank is one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manger.

He refused to help.

It is unfair that they did this. It has lowered my credit score by 200 points.
Product: Debt collection

DATE : XX/XX/XXXX TO : XXXX XXXX XXXX, LLC FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX ACCOUNT NUMBER : XXXX REFERENCE NUMBER : XXXX RE : NOTICE OF VIOLATION OF CEASE & DESIST DEFAMATION OF CHARACTER NOTICE ( ORIGINAL CREDITOR : CITIBANK N.A. ) You are in violation of my original cease & desist demand sent to your company on XX/XX/XXXX via the CFPB portal complaint id : XXXX and another sent on : XX/XX/XXXX via the CFPB portal complaint id : XXXX. I have since received yet another written communication from you dated : XX/XX/XXXX. I do not owe any alleged debts to XXXX XXXX XXXX XXXX  You did not/ can not provide a written contract or evidence of indebtedness with my signature. You did not/ can not provide a poof of authority to show you have any standing in law to attempt to collect anything from me. In your written communication, you list CITIBANK N.A. as the original creditor ; I do not have a contract with them and if I did, I never provided consent to CITIBANK N.A. to sell, exchange or provide any information to third parties, including XXXX XXXX XXXX, XXXX. How did you obtain any of my information? All consumer transactions are private. I demand you to provide the original contract between CITIBANK N.A., myself and XXXX XXXX XXXX, XXXX authorizing you to contact me in any capacity. Provide the accounting, ledgers, wet ink original signatures. Your threats to furnish any information to any of my consumer reports will result in a lawsuit. You are using Color of Law to attempt to collect, furnish, share, disclose and report inaccurate information about me as defined by federal law. Unless you can provide me with proof that the original creditor had lawful authority and or consent in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), to share my information with you, as well as authority to include it on my consumer report, I demand that your company cease & desist all collection attempts, furnishing of information to consumer reports and permanently delete any and all information related to me within 4 days pursuant to XXXX XXXX XXXX 
Failure to comply and or properly respond to this notice will serve as your reluctant agreement to the statements made herein, your agreement to full liability for any injuries caused, criminal prosecution and will absolutely result in legal action being taken against you. I declare under the laws of God that the aforementioned statement of facts is true and correct.

All rights reserved. XXXX XXXX
Product: Checking or savings account

I have a Navy Federal account that was opened back in XXXX. I called multiple times and was told that my account was stuck in pending closure. On or around XX/XX/2023. I walked into the bank submitted proper documents and was able to withdraw {$100.00} something I had in my account. I was told that if I wanted to get money from my account, this would be the procedure from now on. My account status was in a pending closure since XXXX when it was open. I asked them if I was able to deposit a check I received and they said yes, your account is able to take credits but if I wanted to withdraw then the same procedure I just went through earlier would be done. I said, okay I am fine with that. I deposited the check, they said it would be on hold for an additional 5 days. I was fine with that. Fast forward to XX/XX/2023, the hold has passed and I walked into the same branch, asking to withdrawal. They declined my request and told me to wait for a banker. The same banker who helped me last time didnt help me out this time. He called navy federal security and told them about what I was trying to do and also told them that they should put a restriction on my account. Since than I have not been able to withdrawal from my account. I also submitted and appeal and theyve requested additional documents. My account has been stuck in this closure status for a long time because they could not verify my identity. Since I submitted an appeal and all documents theyve requested from me theyve declined and did not overturn their decision. I felt like I was being mistreated. I felt like I was robbed. I depended on this check so I could pay my rent but now, Im stuck in an eviction battle with my current landlord. This frustration and anger that Navy Federal Credit Union has caused me, I dont think I will ever recover from it. I am facing so many financial hardships. Im about to be homeless. I needed to pay rent and they just held onto my money. Why is there such thing as a credit only for an account thats in a pending closure? I consider this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has a duty to the FCRA to report correct and accurate information on my credit report and file. They, however are NOT. EXPERIAN is reporting XXXX inaccurate late payments for both XXXX  XXXX XXXX  accounts ending in XXXX and XXXX these include 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are inaccurate and are supposed to be reporting as PAID AS AGREED. Furthermore, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the individual making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. In addition, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is blatant that EXPERIAN violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

XX/XX/2022 account # XXXX amount {$880.00} under 15 us 1692g for them to proof that its my obligation to repay, proof of a perchase agreement, from the original cridetor, the date, time, and the puchace amount, FCRA, US 1681B what is the perrmissionable perpus, so under FDCPA please under this law please provide me info or remove the inaccurate info from my report thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I was XXXX  from XX/XX/22 to XX/XX/22 My bank account at XXXX bank along with XXXX, XXXX, XXXX, and XXXX are gone. Accounts were opened with my credentials at different banks. 
Charged all my cards. 
I gave proof of incarceration and filed a police report, I have provided all the documents and they are still giving me a hard time. 
XXXX bank XXXX XXXX card XXXX XXXX card XXXX XXXX XXXX to name a few
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, My phone was stolen in XXXX XXXX Nevada. Unable to access a computer, I went to lost and found at the hotel my phone went missing. It was stolen at the Club called XXXX in the XXXX. On XX/XX/XXXX, many money transactions were made through my cell phone which was in the hand of someone else. This person changed all of my passwords ( including my bank of America account ). They then made a {$2500.00} XXXX Transfer to an unknown account from my checking account through Bank of America. I didn't know any of this was happening until I got home and was able to get a new phone. I looked through my email and saw all of these transactions were made. Because they were able to " verify '' themselves through my device, the Bank deemed it as a verified transaction. I also filed a police report, and faxed it to the Bank of America fraud department. They denied my claim and still have yet to follow up with me. I have called them multiple times, and I am willing to send the police report again if needed. I have the XXXX police as we well as the XXXX XXXX police 's contact if needed. I also have all of the transactions this person made in my account in my email if needed. I am owed {$2500.00}.
Product: Money transfer, virtual currency, or money service

I place a wire to XXXX/coinbase for XXXX on XX/XX/XXXX XXXX XXXX still havent receive my fund today. On their site it said fund will be available same day if wire before the cut off time XXXX XXXX PT. days later fund is still unavailable. Their customer support is unresponsive to this issue. Cant reach them by phone. I actually made a search online realize this is the norm and it happen to other customers as well. I wish the XXXX/Coinbase would provide a disclaimer. I hope they have a faster support team if they are providing this method of transaction. Customer that paid for wire transfer want their fund quickly not slowly. If they cant provide the support to resolving these issue quickly than dont provide the wiring option method.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 reported in those account to be removed.

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 XXXXXXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Sent XXXX payment from my XXXX XXXX to tiaa bank- Filed report to tiaa bank that they never gave me my funds they said they didnt receive it from XXXX XXXX  so I filed report to XXXX XXXX and heres proof from XXXX that tiaa bank accepted it from their department. I want my money back XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Checking Account Ending In XXXX Dear Mr. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed concern with a transaction from XXXX which was deducted from your checking account ending in XXXX on XX/XX/2019, in the amount of {$1000.00}. My attempt to contact you at your telephone number on file, XXXX, was unsuccessful. As such, I felt it best to communicate in writing. The Bank apologizes for any inconvenience you may have experienced as a result of not having access to your funds through TIAA Bank. Records confirm on XX/XX/2019, you initiated a XXXX transfer through your TIAA Bank account. Specifically you requested {$1000.00} to be deducted from your XXXX XXXX account ending in XXXX to be credited to your TIAA Bank the following day. Bank records confirm on XX/XX/2019, these funds were successfully transferred to your TIAA Bank account as requested. If the funds were never credited to your TIAA Bank account, we request you reach out to them as the XXXX transfer was initiated through TIAA OLB Money Request.
Product: Money transfer, virtual currency, or money service

Someone sent money to themselves through Zelle from XXXX XXXX  XXXX XXXX checking account in XXXX. All of my accounts were completely wiped and I filed a police report. This was thousands of dollars. When I asked the fraud department how something like this could happen, there was no definitive explanation and all they were able to do was change my account number and reset my online banking password.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inaccuracies on my credit on two different reporting bureaus. XXXX is showing this account as 30 days late in XXXX, while XXXX is showing the account as open. XXXX is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..
Product: Credit reporting, credit repair services, or other personal consumer reports

My fraud and identity theft issue first began on XX/XX/2021 on which date my XXXX e-mail account and XXXX XXXX XXXX account were both hacked and compromised. I immediately changed my XXXX e-mail account password and regained control of that account. I reported my XXXX account as hacked and compromised but still am unable to obtain access into that account as there is a 2-step verification ( 2-factor authentication ) code generator which was activated by the hacker. 

I received an e-mail alert from XXXX XXXX on XX/XX/2021 that a hard credit inquiry for a home mortgage loan was placed on my credit reports for XXXX, XXXX, and Equifax. The lender appearing on each of my credit reports as making the inquiry is XXXX XXXX XXXX. I immediately contacted XXXX and was informed that they did not have any records of a home mortgage loan or credit card applications in my name or social security number. Therefore, XXXX further advised that there no records of them checking or inquiring into my credit. 

I then contacted each of the 3 credit bureaus and filed disputes for the inquiry and also placed credit file locks, security freezes, and fraud alerts on my credit accounts. The inquiry dispute has already been resolved with XXXX as they deleted and removed the inquiry on my credit report. The disputes with XXXX and Equifax are still open and remain pending at this time as the hard inquiry still appears on my credit reports with them. 

I also filed complaints with the Social Security Administration - Office of Inspector General, the Internet Crime Complaint Center, the Federal Trade Commission ( IdentityTheft.gov ), and my local police department ( XXXX NJ ).
Product: Money transfer, virtual currency, or money service

I received a check for amount of {$6000.00} from   XXXX   XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX  do their banking with   XXXX   XXXX  . Check was made to me (  XXXX   XXXX  ). So i signed back of check and ask my wife to deposit it, few days later i check my account and did not see a deposit posted yet so i asked my wife if she deposit the check. Finally we found out the she lost the check.     I contacted  XXXX   XXXX  ask them to stop the check and send me another check but they told me that the check has been cashed at : *Well s Fargo Bank in Arizona ( I live in Georgia ) *Cash ed o n  X/X/2016     *Routing # :  XXXX  *Seq # :  XXXX .      Teller w ho cashed the check, did not get any identification for check cashing and there is no information of who cashed the check.     I have talked to  XXXX   XXXX ,   XXXX   XXXX   and  Wells Fargo B ank several times but they have not help me so far. It is been almost 9 months and i have not helped yet. Please help me to solve this matter and get my {$6000.00} back Contact at  XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX , Ga.  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX said I was late on payments during my divorce and I asked to remove the trade line as it is wrong.

They said no an I sited USC 15 and 18 as the basis for my request.

They said to XXXXXXXX XXXX in a manor of speaking. 

I had money in the bank for said vehicle and paid it off early as a result and I am planning on suing the bank to remove the negative information as under the federal law negative disputed credit is to be removed from any report I paid the loan under the terms of the agreement and then 3 years early. 

They stopped the auto payment for some unknown reason. 

I am a XXXX person and have had my credit wrecked by this agency for calling them out on the matter. 

I want the trade line removed as it is false and misleading to lenders. 

All credit lines that are in dispute are to be removed by the reporting agency if a dispute is not settled.
Product: Debt collection

Subject : Formal Complaint Against Strenger & Stenger, P.C. and Associated Collection Agencies Reference : XXXX XXXX XXXX XXXX XXXX Reference : XXXX Dear CFPB, I am writing to formally submit a complaint against Strenger & Stenger, P.C., located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX, as well as its associated collection agencies, including but not limited to XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and others. 

Despite having previously reported this matter to your office, I have recently received several letters from this collection agency attempting to collect a debt that is not mine. This collection effort is in relation to an account purportedly held with XXXX through XXXX XXXX  ( account number : XXXX ). 

It has come to my attention that Strenger & Stenger, P.C. has been operating under multiple names, exceeding ten different business registrations, which appears to be an attempt to obscure their identity and continue their collection efforts in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have previously communicated with CFPB regarding this matter, and I request your assistance in mandating that Strenger & Stenger, P.C. and all associated entities cease their collection efforts and remove any erroneous records from my credit report, as they have been instructed to do in the past. 

I kindly ask the CFPB to investigate this matter and take appropriate action against the collection agency for their repeated violations of consumer protection laws. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of the data breach that occurred within your system, and I am requesting that all accounts associated with my personal information be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ), which provides that accounts impacted by a data breach may be blocked and removed from consumer reports. 
Please find my personal information below for your reference : XXXX XXXX XX/XX/year> XXXX I am requesting that you take all necessary steps to immediately block and delete any and all accounts related to my personal information that were exposed during the breach, as required by law. I would also appreciate a confirmation of receipt of this letter and notification when the necessary actions have been completed. 
If you require any additional documentation to process this request, please inform me at your earliest convenience. I trust that Equifax will take the appropriate actions to ensure that my rights under the Fair Credit Reporting Act are protected. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit inquiries that i did not authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Trueaccord corporation Re : Debt Validation and Assignment Notice I am writing to request validation of the debt that you are attempting to collect from me, as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information regarding this debt : XXXX. The amount of the debt ; XXXX. The original creditors name ; XXXX. The date of the original debt ; XXXX. Any documentation proving that I am responsible for this debt ; XXXX. A copy of the agreement or contract I allegedly signed that binds me to this debt. 

Please send this information to me within 15 days from the date of this letter. Until I receive the requested documentation, I am not obligated to make any payments. 

Additionally, I would like to be notified of the assignment of this debt. Please confirm the following : The name and contact details of the original creditor. 
A copy of the Assignment Agreement that transferred the rights to collect this debt from the original creditor to you. 

This assignment contract must indicate the full terms of the debt, including the date of assignment, any remaining balance, and any other pertinent details. If you are unable to provide this validation and documentation, I request that you cease all collection efforts and remove any references to this debt from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX