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

To whom this may concern I XXXX XXXX XXXX is filing this complaint on behalf of myself anf no one else. Over the past 3 months I have disputed false and inaccurate information on my Consumer file with the 3 CRA ( Equifax, XXXX, XXXX ) in regards to late payments that they are continuing to report false and inaccurate. Each time all 3 CRA ( Equifax, XXXX, XXXX ) has responded that the information I have disputed was " verified '' as accurate but each time all 3 CRA ( Equifax, XXXX, XXXX ) have reported different information in regards to these accounts. Not only has the false reporting cause severe damage to my ability to obtain credit but it has caused my family great damage. Per 15 usc 1681a Congress clearly states that ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have and will be providing documents of proof that these accounts should not be reporting at all. I'm demanding that these late payments be removed or I will have no other choice then to contact my legal counsel and sue each CRA for punitive damages.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 of 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 disputed the information with all 3 credit agencies, Experian, XXXX, XXXX XXXX. about an account that was being reported negatively. A XXXX XXXX XXXX XXXX. They are reporting it as late, when it has been paid off. in accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 604 ( b ) section 2. It also states a consumer reporting agency can not furnish an account without my written consent. Which i never gave them. The creditor and consumer reporting agencies are violating code 15 USC 1681i ( 5 ) treatment of of inaccurate information.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit reporting act. The list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights I look at my Experian report XX/XX/year> and noticing things are incomplete and not accurate. And according to the Fair Credit reporting whenever a consumer reporting agency prepares a consumer report itself follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is to be found inaccurate or the incomplete or can not be verified the consumer reporting agency shall- ( I ) Promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has a reasonable cause to believe that information is inaccurate.

Delete accounts account name account number from my credit report because of these multiple violations of the Fair Credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX XXXX, I filed a written dispute with XXXXXXXXXX, Equifax, and XXXXXXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the XXXX XXXX verifying the debt belonged to me. I 've since received notice that my investigation was closed with all accounts verified from ONLY Equifax, but did n't get any proof from the XXXX XXXX or credit bureaus with the original signed document. My primary concern it that Equifax has incorrect information on my file, and this is prohibiting me from acquiring credit for life necessities. EQUIFAX IS REPORTING INFORMATION WHICH WAS REMOVED FROM THE OTHER XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00}
Product: Debt collection

A representative from the Collection Agency called XXXX XXXX has called my job several times stating that I have a debt and they have a wage garnishment. He spoke with the company 's secretary and in another occasion with the vice president. This debt is from 2006 and I think is a prescribed debt.
Product: Credit reporting or other personal consumer reports

A violation of FCRA Conducting sharm investigations failed to properly address consumers disputes : Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher 's response to the disputed information even when that response was improbable or illogical on its face or when Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable Experian. FCRA 's requirements. Disputed intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. Under, 15 U.S.Code 1681b- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other negative reports. I have reviewed my report and discovered several errors and I did submit a request for the removal on XX/XX/year>. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I am requesting for these accounts to be deleted Immediately. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have to imagine I am not the only consumer who questions. WHY DOES THE CFPB EXIST? 
For years the only procedure I see is. 
The Consumer submits a claim to the Bureau, then the Bureau does nothing but pass the claim on to the offending Bank to determine the disposition of said claim.

The Remediation process is no different than the Modification scam. 
The XXXX XXXX  institutes a never ending request for the same information only to : DELAY.

DECIEVE. & Eventually. 
DENY. Or in my case throw an unacceptable check for {$1600.00}. 
Over 12 years has passed since Wells Fargo justified, Their Two, very costly modification procedures they hit me with. Claiming that they are transparent and can hold funds in a separate wallet they label, a Suspense Account To this date I have yet to see neither the Oversight Committee nor Anyone compel them to Transparently disclose this Suspense category on their monthly statement. IN THE SAME MANNER THAT EVERY OTHER DOES. 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year it submitted this police report to all 3 credit bureaus .Equifax omitted to remove all fraudulent inquiries that was not authorized by me from XX/XX/XXXX.

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Recently a company made duplicate credit inquiries on my credit report that I did not authorize. 2 from the same company XXXX XX/XX/XXXX. XX/XX/XXXX Why would the same company pull my credit 2x. I didn't authorize.
Product: Money transfer, virtual currency, or money service

Friday XX/XX/XXXX I went into the us bank branch in XXXX iowa XXXX. I submitted a us currency bill in the ammount of XXXX XXXX in exchange for another bill which was not damaged. Theres 75 % of the XXXX XXXX bill and both federal stamps as well as the whole president 's face and a whole serial code number ( XXXX ) and this note is legal tender for all debts public and private is also visible and all is legible. I will attach a photo as well below to give you a better understanding. The man who was servicing me as the branch manager XXXX XXXX, was very rude to me and was trying to claim he could not accept the american currency in exchange for american currency due to his " professional opinion ''. I quickly spoke with corporate office and the woman I spoke to there said she would refund it if she was there but due to XXXX 's clouded judgment and his now " Professional '' opinion as a banking branch manager may infringe upon the fact of the evidence provided below. I was calm courteous and was insistent that he accepted the bill due to federal law. As well as the circumstances provided. Thank you for reading I look forward to hearing from you and them. This legal tendered note is not deemed nonrefundable. It falls under qualifications of being redeemable to a financial institution.
Product: Student loan

In XX/XX/XXXX I consolidated my student loans based on Navient 's recommendation in order to take advantage of the Student Loan Forgiveness Program. I have worked for Non-Profit Organizations full-time since XX/XX/XXXX. I was just told recently that I am not in the program. I was under the assumption that I was already 6 years into the 10 year repayment term for loan forgiveness.
Product: Debt collection

There is a collection that I have already disputed with nothing received in return. This is an unknown account, I do not owe nor have I had any business with this company. This is a mistake that I was never notified to be able to request validation before it was added to my credit file.
Product: Vehicle loan or lease

Okay so I fell behind on my car payments. I was in the hole from the beginning because it was to my understanding I will get a bill in the mail stating how much I owed and how to pay. I did not receive these letter until my car payment was already past due. I tried to catch up the best I could at the time when I made my first payment I owed a total of roughly XXXX dollars I paid  XXXX of it that day and another XXXX a few days later. To bring the total amount due down and months owed. I had just got my pay check so I called last night on XX/XX/2017 to see how much I owed total to bring my current total amount due back to 0. I owed XXXX dollars this morning I woke up to find my car had been repossessed. I called Santander ( my loan company ) to see if I could make my payment of the full amount dude to get my car back and they refused to reinstate my loan after repossession due to failure to maintain timely payments. When it was partially their fault I was behind on my payments in the first place seeing as they never sent me any bills via certified mail. I take responsibility on my part because I should have been more diligent in finding out how much I owe and when payments were due. But I have always paid my bills via certified mail. They refuse to help me in anyway they keep telling me its company policy to not reinstate my vehicle even if I pay the current amount due in total they say they only way they will surrender the car back to me is I pay the loan off in full. I never received a written letter ( notice ) via certified mail notifying me that my car was in default and due for repossession. I live in XXXX and XXXX XXXX XXXX states in order for the lean company to reposesss your vehicle they must send you a written letter 10 days prior to repossession with the current amount due to give you a chance to pay the amount and keep your car. The company admitted to not sending me this letter stating that va law does not require this and they can come get it when they want. All I want to do is pay my amount due current and continue on with making my payments on time but they do not want to help me do so. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX  account nor a USAA account and the account is fraudulent. XXXX XXXX XXXX, USAA and XXXX, XXXX  and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Product: Credit card or prepaid card

Hi there, In XXXX of 2021, I was a recent first-time home owner and I purchased a new furnace and air conditioning for my home. The HVAC company strongly recommended I utilize Synchrony bank because of their 18 month interest-free loan program. The representative from the HVAC company assured me it was a great deal with no hidden strings and " as long as you pay the minimum each month, you won't owe any interest. '' So, the loan with Synchrony was set up, and I was sure to pay the amount recommended by Synchrony on time every month. My understanding from both the HVAC contractor and the information displayed on Synchrony 's account page was that their recommended monthly payment was based off of paying off the entirety of the loan within the stated 18 month period. Their website and literature encouraged payment at this rate, and no indication was given that their recommended rate would result in the 18 month window passing while I still carried a loan balance, and that an astronomically high interest rate of 26.99 % would be applied to the entire principle I originally borrowed. With the monthly interest rate being applied to the principle, I now owe an additional {$4100.00}. Almost half of the original loan amount. 

I contracted Synchrony today trying to understand the {$4100.00} charge that showed up, and after speaking to a manager I was told I was 2 weeks outside of their one month grace period and there was nothing they would do to mitigate the interest charges.

I believe this practice intentionally targets those with less experience and knowledge of these financial instruments. I feel mislead by not only the HVAC company but also by Synchrony. As a young adult and new homeowner, I feel targeted by bad actors looking to sign me up for these types of loans, mislead me of their nature, and hoping I never read the fine print. Before the mortgage on my house, I'd never had a loan or carried a credit card balance in my entire life. I wasn't prepared for the level of vigilance I'm supposed to maintain even for an HVAC company with a decent reputation. 

I appreciate your time in looking into this. Thank you. 

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

I am a longtime Coinbase customer. 
I just spent my entire afternoon attempting to pass Coinbase 's new XXXX validation. I submitted my drivers license and passport, both valid, both current. I talked to multiple support staff. I submitted a selfie holding my drivers license. I submitted a selfie holding my drivers license and a piece of paper that said " For Coinbase. '' I submitted a selfie with my drivers license and a piece of paper that said " For Coinbase Verification XX/XX/year>. '' After each earnest attempt, I was rejected by a " specialist '' who I could not speak with. Every time the goal posts were moved and I had to submit something else. This was incredibly frustrating and time consuming. I didn't even want to make a transaction. I just wanted to comply with your XXXX requirements and access my account. Clearly the automated system being used for ID verification is not working properly and the support process for manual approval isn't effective. I don't know what else I can do. Because of this I am locked out of my account until I submit this information which is rejected every time. 
If you or someone in your office can help, I would appreciate it. 

Sincerely, XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Complaint Details : * Debt Collector : XXXX Account # XXXX Nature of Complaint : XXXX. Lack of Written Notification : XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 

XXXX. No Contract or Business Relationship : I have never engaged in any business with XXXX Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

XXXX. Inaccurate Reporting : The account information reported by XXXX Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

XXXX. Unauthorized Credit Report Entry : XXXX Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of XXXX Account # XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my personal information to rent an apartment at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX on XX/XX/XXXX left XX/XX/XXXX I came to learn this after i found a collection on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I HAVE NOTICED SEVERAL ITEMS PUT ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE I HAVE HAD MY PERSONAL INFORMATION STOLEN IN THE PAST.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  EXPERIAN 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

In accordance with the fair credit reporting act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under open end consumer credit plan as late for any purpose
Product: Credit reporting

XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX Inquire that were not done by me That are fraudulent XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 is reporting on my credit this is not my account.
Product: Student loan

The Mohela website says that processing of PSLF counts may take up to 30 days. I submitted this year 's form from my employer digitally, marked as received on XX/XX/XXXXXXXX I called customer service at 30 days and 60 days, last call on XX/XX/XXXX. Still no update no estimate of when this will be processed. I was just told to keep waiting.