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

My name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts XXXX XXXXXX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balance of {$2300.00} an auto loan an auto loan opened with XXXX open date XX/XX/XXXX account XXXX balance XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is an absolutely outrageous company to deal with. Their customer service is rude and their process is extremely slow. XXXX is the only agency that is reporting such inaccurate information. I've disrupted before and they ignored with an automatic response. I've sent a letter, they claim they didn't get the letters. I've sent a letter to there executives, they go in a put on the file that they are " reinvestigating '' when they never " investigated '' in the first place. 

My letter to them was to serve as a formal notice of my intent to file a complaint with the FTC, due to your disregard of the law. XXXX claimed to have somehow verified the items I requested. Therefore, I legally requested a description of the procedures used to verify the information. 

I was ignored.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SPRINGOAKCAP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Product: Consumer Loan

ON XXXX XXXX 2015 MY CAR WAS REPO BY SANTANDER CONSUMER. THE REPO GUYS BROKE THE LAW FALSE IMPRISONMENT BY BLOCKING ME IN AND PUTTING A WHEEL LOCK ON MY CAR WHILE I WAS ATTMEPTING TO DRIVE CAUSING BREACH OF THE PEACE. THE REPO GUYS FORCED ME TO GIVE THEM MY CAR KEY. THEY DID NOT SHOW ME ANY PAPER WORK. THEY CANE ON PROPERTY THAT WAS CLEARLY POSTED NO TRESSPASSING..
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some charged off accounts and collections account also quite a few hard inquiries. According to the FCRA 15 USC and 1681b this company is violating my consumer rights. Charge off accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXDEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Product: Credit reporting or other personal consumer reports

I am writing to diputed account on my credit report that were without my consent. According to section XXXX of the FAIR CREDIT REPORTING TO SECTION XXXX XXXX XXXX ( b ), XXXX are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their prsence on my report. PLEASE DELE ACCOUNT FIRT FEDERAL CREDIT ACCOU NUMBER XXXX Attached is a report from the Federal Trade Commission ( FTC XXXX ) as additional evidence to support my claim regarding the unauthorized use of my identity. This document contains relevant details that validate my statement and demonstrate that I have been a victim of identity theft. I kindly request that this information be considered to proceed with the appropriate investigation and resolve this matter promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

To This is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. Synchrony Bank/Amazon XX/XX/XXXX, XXXX., XXXX XXXX XXXX 
 3., XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i submitted my dispute to the bureaus on XX/XX/2022 and on XX/XX/2022 about an account called XXXX I demanded this account be removed because and to send me verifiable proof of these accounts, any application or documents baring my signature and they have yet to provide me with this information i have been checking my mail everyday for correspondence from the bureaus about this matter but received none yet please help me resolve this matter as now i feel like the only thing i could do is just send a complaint after sending of two letters and receiving no help. This misleading information is ruining me and has caused me a lot of stress.
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, Account name : XXXXXXXXXXXXXXXXXX, 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$15.00} USD to gdax.com. Their process is to first transfer it to their sister site coinbase.com and then transfer it to gdax.com. The funds were taken from my bank account and deposited to coinbase on XX/XX/XXXX and have been pending a transfer to gdax since XX/XX/XXXX. I have sent them 3 emails requesting an eta on my money but I only get a generic response. My last request was sent on XX/XX/XXXX and as of now I have not received a reply.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, ( Block Inc. ) due to inadequate, customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulstion E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 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. 

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: Checking or savings account

Chime wants to know where my funds were coming from into my accounts which i provided that i was simply transferring funds to my accounts because i didnt have cards to access XXXX of my other banks they put my account on hold and then closed it stating i couldnt get my funds because i didnt verify i was the one moving the funds i cant verify anything i dont have. This is the second time i have gone through this with chime
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 had reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Every debt collection agency that has reported me as owing a medical debt on my credit report has been disputed with the reporting agency. I do not believe I owe any of the medical debt in my credit file and there have been no attempts to verify ANY information about these debts with me in any form of communication. I have always paid my co-payments at the time of any medical treatment and bills sent to me by medical professionals were paid personally or by my health insurance company. I believe that every agency reporting medical debt on my credit file does not take my disputes seriously and reports negative remarks " debt valid, consumer disagrees '' instead of proving I actually owe the debt. To even attempt to access my medical records is a violation of my rights under HIPPA laws because the debt collector is a 3rd party to the original creditor, not privy to my medical records because they are not doctors and do not have my permission to view my medical files which may reveal my medical diagnosis, treatment and prognosis and without that verification they ca n't determine if I even owe this debt. They can either refer this alleged debt back to the original creditor so a licensed medical professional who is allowed to view my medical file and can fully explain the origination of this debt and medical information such as diagnosis and treatment that will help me identify the debt is mine or they need to remove the debt from my credit file and cease to ever attempt to hold it against me. They are in violation of my rights under HIPPA laws and are reporting debt they can not verify. They make no attempts to contact me after several disputes have been filed on my behalf. Every single medical collector in my credit file has done this and almost all of them are beyond the statute of limitations but keep updating as if a payment was made to them! Ive never paid the debt collection agency bc they can not verify the debt. Please make them remove the debt from my credit file and give it back to the original creditor so my rights under HIPPA laws are not violated.
Product: Debt collection

Hello, last week I attempted to log into my Navy Federal Credit Union account to perform routine duties in my corporate account. This is a business account that is held under a corporation. I was 1 ) locked out of my account, 2 ) when i called was told I couldnt use my account due to a personal debt 3 ) told I couldn't use my funds to make payment towards a personal debt because of security 's guidelines 4 )  was then told that money belongs to Navy Federal and not me ( XXXX in Security told me this ) 5 ) was hung up on twice by XXXX 6 ) nowhere in any of your disclosures does cross-collateratization come into play on corporate accounts 7 ) " XXXX '' refused to transfer me to a supervisor or give me her supervisor 's name 8 ) " XXXX '' specifically said the funds in the corporate account belong to Navy Federal and no longer belong to me. In actuality, they belong to the corporation and not myself or Navy Federal Credit Union. These funds are held by a corporate entity. Its not a sole proprietorship. Its a corporation. This is a gross violation against Navy Federal Credit Union 's 2016 consent order with the CFPB and I demand those funds be released immediately. I've even made payment arrangements on all of my personal accounts and fully resolved 2/3 of these accounts. I've even gone to length to make payments arrangements on the final account and gave them money towards the debt. When made the attempt to make arrangements with " XXXX '' in Security of {$9000.00} towards the last outstanding personal debt, her response was, " ... .but there's {$15000.00} in that account ''. Shortly after that she hung up on me. " XXXX '' also refused to This has cause my corporation a hardship as that account is used to pay my agents their commission. Nowhere in NFCU 's disclosures or terms, can NFCU leverage a member 's corporate funds to cover a personal debt. This is gross negligence, abuse of authority and predatory on the behalf of Navy Federal Credit Union and I'd like to move forward with filing a formal complaint against them. 

I've even gone to lengths to try and mediate this by reaching out to NFCU 's CEO without a response. 

Navy Federal Credit Union misled its members about its debt collection practices and froze consumers out from their own accounts, said CFPB Director XXXX XXXX. Financial institutions have a right to collect money that is due to them, but they must comply with federal laws as they do so.
Product: Credit card or prepaid card

got a letter saying that I would revive my unemployment card in 10 business days and it has been 3 weeks already
Product: Credit reporting or other personal consumer reports

I have identity transaction that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as 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
Product: Credit reporting or other personal consumer reports

Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Account Number XXXX XXXX XXXX I am sending this letter in response to the alleged debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and demand strict verification per my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Under 15 U.S.C. 1692g ( b ), you are required to provide me with detailed and verifiable proof of the following : XXXX. Proof of Ownership : A signed contract or agreement that proves I have a direct obligation to pay XXXX XXXX XXXX. 
XXXX. Chain of Custody : A full payment history and a breakdown of how the alleged balance was calculated, including the original agreement with XXXX XXXX XXXX. 
XXXX. Proof of Authorization : A copy of your legal authority to collect this debt, including the purchase agreement or assignment contract between you and the original creditor. 
XXXX. Proof of Licensing : Your companys collection license for my state, proving you are legally authorized to collect debts in my jurisdiction. 
Additionally, under 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with concrete proof, you are legally required to delete this account from all consumer reporting agencies ( XXXX, Experian, and XXXX ) XXXX 
If you can not provide the requested validation within 30 days, you must immediately remove this account from my credit report and cease all collection activities as required by federal law. Any attempt to report unverifiable or inaccurate information violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and I will be forced to take legal action if necessary.

This letter serves as notice that I do not consent to any phone communication regarding this matter. All correspondence must be in writing. Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

I expect a response within 30 days from the date of this letter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I opened a Credit Card with XXXX XXXX XXXX that is funded by XXXX XXXX, XXXX for {$1300.00}. I experienced economic hardship immediately after opening this account. The credit card company was not willing to work with me at all. I called numerous times to no avail in establishing some type of agreement due to my economic hardship. I am currently still experiencing economic hardship and this company still does not wish to work with me on my situation.