23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts aforementioned : XXXX XXXX, account number - starting with - XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX, account number - starting with - XXXX. The concerns for this acct. are the late payments in XXXX of XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXXXXXX XXXX account number - starting with - XXXX XXXXXXXX XXXX XXXX account # unidetermined - the debt has been paid, please remove this account XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX XXXX starting with - XXXX XXXX U.S.C XXXX681 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 an 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 or 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. 

Thank you for reviewing my request, please confirm you have received it and will delete these accounts within 30 days. 

Thank you, 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 XXXX XXXX  # 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
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my continued frustration and concern regarding the ongoing issue of late account openings, despite our repeated attempts to address this matter. The recurring delays in opening accounts not only disrupt our operational efficiency but also adversely affect the trust and satisfaction of our valued customers. Despite our best endeavors to streamline processes and implement corrective measures, it is disheartening to witness the persistence of this issue, which reflects negatively on our organization 's reputation for reliability and customer service excellence. I urge you to escalate our engagement and collaborate closely with regulatory authorities to identify the root causes of these delays comprehensively. It is imperative that we take a proactive approach in addressing any systemic deficiencies or bottlenecks that contribute to the recurrent late openings of accounts. In conclusion, I urge you to prioritize this matter with the utmost urgency and dedication, recognizing its significant implications for our organization 's reputation and regulatory compliance. I trust that through collaborative efforts and decisive actions, we can finally resolve the issue of late account openings and uphold the highest standards of service excellence and regulatory compliance. With this, I am asking for your help to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$2900.00}.
Product: Money transfer, virtual currency, or money service

I am submitting this complaint against Coinbase regarding an ACH transfer to my account, which has caused significant issues and frustration. The details are as follows : I initiated an ACH transfer to my Coinbase account. I was informed that I would need to wait XXXX ( XXXX ) business days for the transfer to be processed. However, after this time period, I discovered that the money was charged from my external bank account, yet my Coinbase account was still restricted. 

Despite the money being deducted from my bank account a long time ago, I am now being told by Coinbase that I can not access my funds. They have locked my account, denied me access, and placed further restrictions on my account, including prohibiting me from withdrawing or using my funds until XX/XX/XXXX. I find this to be unreasonable and unacceptable, as the funds have already been removed from my bank account. 

I have reached out to Coinbase numerous times regarding this issue, but they have failed to provide a clear resolution. On each occasion, I was either told that the issue would be addressed in the future or that it was out of their control. Despite my consistent attempts to resolve this, Coinbase has not restored access to my account or refunded the money, nor have they provided a reasonable explanation for the delays. 

I have also found that this issue is not isolated to me, as other users are reporting similar problems with Coinbase. This leads me to believe that this is a widespread issue, and Coinbase may be failing to uphold its obligations to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I had a very long stay in hospital in XXXX. During which time I have very little memory or not at all of any requests for credit or why. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 and XX/XX/2021, Sallie Mae said I missed XXXX payments. I never missed a payment and have tried to dispute this with them multiple times but it got resolved as a customer disagreement. They processed XXXX of my loans with them as missed payments on the same date. 

My name is XXXX XXXX XXXX : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX This has been a burden on my credit history for years and I am unable to get approved for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am looking to file a complaint against the company Wayfair. This morning I called the company to pay my bill for this month. Which was due XXXX I mistakenly thought today was the 7th and immediately attempted to rectify the situation. Upon calling and speaking with a representative I was informed I'm 2 months behind on payments with 2 months of late fees. This completely blind sided me because I had called and paid last months bill, due XXXX and had received the email confirmation from the company regarding the payment. She tells me that the payment for XXXX was returned, and I was charged a fee for that, the late penalty, etc. She also claims the company informed me of this action. To which I told her I had not been contacted in any manor. No phone calls, no emails, no paperwork in the mail. Legally I believe they're required to notify customers of such events taking place. I have all emails of every payment made to this company as well as all paper bills sent via postal service. How do I proceed? With these issues the amount owed has now gone up by {$150.00} and the date to have the account paid off before accrued interest takes affect is in 2 months. 

Thank you for your assistance
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX {$12.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX XXXX XXXX  : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted a request via USPS mail to Equifax for further information about 2 entries on my credit report ( original letter attached ). I made my request under Fair Credit Reporting Act Section 609. Specifically, I requested to see the original sources of information for the 2 entries on my credit report. 

I requested the company name of the source, the contact name, the contact phone number, and the date Equifax contacted the source. I also requested to see the original contract or service agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a dispute to Equifax on XX/XX/2022, via certified mail with a return signature. The dispute was in reference to inaccurate accounts reporting on my credit report. ( See the attachments ) In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accuracy.

Equifax stated that these accounts were properly investigated and came back as verified and accurate. How is this true when there are several inaccuracies shown in my report? Equifax is now reporting a recent late payment on a closed/charge-off account which has caused my credit score to drop. I reached out to Equifax about their response on XX/XX/2022, and after several attempts, I finally got a rep on the phone by the name of XXXX. And I explained to her that I disagreed with their investigation. And asked, 1. What were the steps Equifax took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 
What was the process of their investigation? And her response was, that they reached out to the creditor electronically and the creditor verified that the accounts belonged to me. How exactly???? 
2. Why are they now reporting a recent late payment on a closed/charged-off account that's over 6 years old? She then asked if I recently missed a payment. Really? Where do they hire these people?

Because Equifax is reporting inaccurate information it's been challenging to obtain credit for personal and housing purposes and it has caused a severe amount of stress. The continued inaccurate reporting of this information is a clear violation of the law according to FCRA. and According to 15 U.S.C. 1681n civil liability for willful non-compliance any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} per violation. Please delete these accounts immediately. XXXX XXXX XXXX-line of credit- ( {$1400.00} ) -account # XXXX, XXXX XXXX XXXX auto loan- ( {$5900.00} ) account number XXXX and XXXX XXXX XXXX-revolving- ( {$5400.00} ) Account XXXX XXXX Thanks in advance!
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint is more of a identity theft. In XXXX of XXXX Envoy Mortgage began collecting on a mortgage debt account number XXXX. In XXXX of XXXX I received a letter from Envoy Mortgage that the mortgage was being transferred to XXXX XXXX and a new account XXXX was open in my name. In XXXX of XXXX I received another letter from Envoy Mortgage stating that a new account was being open with XXXX XXXX XXXX. No authorization was given for Envoy Mortgage to open these accounts, and is identity theft. Each of these mortgages that I have been demanded to pay have been for almost {>= $1,000,000}. Each account has been reported to credit reports and effects my credit by showing that my mortgage exchanges hands often and does not show the total length of payment. By not showing the true length of the trade line Envoy is not reporting accurate information to the Credit Agencies. I have filed this complaint with the FDC.
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING AGNECY IS FURNISHING INACCURATE INFORMATION To the consumer reporting agencies The reporting of inaccurate information has affected my character, my reputation, livelihood, and ability to credit, car or a house and this moment I have been homeless for more then six months You and your company have affected my livelihood. 

As defined by the IRS Even if you didnt receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly state charge off as income the reporting of this account is inaccurate. 

INCOME IS REPORTED ON MY A CONSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 

By definition, the IRS clearly states, the charge off is income, reporting of this account as inaccurate THE LENDER MUST FILE A 1099-C AND SEND YOU A COPY ( I HAVE NOT RECIVED A COPY OR A 5 DAY NOTICE THAT THIS INFORMATION WILL BE REPORTING ) OF THE DEBT IMMEDIATELY. YOU HAVE 10 CALENDER DAYS TO REMOVE
Product: Credit reporting or other personal consumer reports

This account does not belong to me please delete this account
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX 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 seven years.

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

all three credit companies have continued to violate and allow the collection company to commit fraud when place new start up dates when it comes to a loan that is not recognized listed as more than 7 years old and operantly indisputable. not only is the original debtor nowhere displayed but also the account is riddled with fraudulent charges and misdirected fees. Allowing collections agencies to reinsert and update the starting date equals extorsion not credit collection
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concern regarding Zelles handling of disputes. In XXXX XXXX of the 2023, my mom tried to Zelle me money for my college tuition, and they did not ask her to verify any information regarding it being the right person. That money was sent to an email with one letter off from mine. We asked Zelle and XXXX XXXX, if anybody even had an account with that email and they said they couldnt give us that information and our dispute was denied. My mom lost out on thousands of dollars and so did I. We still dont even know if someone has an account with that email, Zelle couldve kept the money for all we know.
Product: Debt collection

Several months ago I was contacted by National Credit Adjusters about a payday loan they claim was from about ten years ago. I informed them then that I do not have nor have I had a pay day loan. I informed them I disputed the debt and requested proof, which they said they would send. A week or so later I received a packet addressed to myself from them. When I opened it, it was documentaion for someone from California, including what I would consider private personal confidential information. I immediately contacted the collection agency and informed them that they did not send me proof of anything, but in fact sent someone else 's personal information to me. The girl told me I could go to jail for opening someone else 's mail. I explain the envelope from them was made out to me, I did not open someone else 's mail. She asked again how I wanted to pay the bill and again I told her I dispute the debt and wanted proof which she said she would send. Nothing was received after that call. I received a call from someone again a couple weeks ago asking how I wanted to pay the debt. I explained everything to him, explained I've already disputed this twice and that they have never sent me any proof this is my bill and I was not paying something I don't owe. He said he would send proof, which again I did not receive. A few days ago another girl called and we went through the exact same thing. I also told her I dispute this and that she never sent me proof. She sent me a letter stating that I and 'National Credit Adjusters were not able to agree to a payment arrangement on the account referenced '. That is not an accurate statement, as I have DISPUTED this on multiple occasions and on at least three occasions I have requested they send me proof, which has not been done.
Product: Credit reporting or other personal consumer reports

I need help, I have attached supporting document. Also, please see supporting documentation under XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time and one of the inaccurate payments were during XXXX. I also noticed each credit bureaus ( XXXX, XXXX, and Experian ) reported different inaccurate information regarding the same account. The consumer reporting agency need to report all information with complete accuracy. 
The CARES Act, passed in XX/XX/XXXX, included provisions aimed at protecting consumers ' credit scores during the pandemic. I have attached a copy of my report from Experian on the following dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I am requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to Paid On Time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I called XXXXXXXX XXXX regarding a hard credit inquiry on XX/XX/XXXX about an inquiry dated XX/XX/XXXX that was fraudulent. I called again on XX/XX/XXXX and it still wasn't removed. Does the CFPB actually do anything? or, just another waste of taxpayer funds? I need to know who oversees the CFPB, because I'm concerned about what it is that you actually do.
Product: Credit card

I received XXXX credit rejection letters ( so far ) that I didnt submit applications for. 

Fraudulent attempts to obtain credit under my name were/are being made. Below are the banks and the dates on the letters received. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX  Im glad credit was not issued however, Im very concerned that these attempts are happening and may negatively impact my XXXX XXXX. I would like to see corrective and protective measures put into effect. 

I have no plan to apply for credit anytime soon! 

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

ARS has refused to send me a copy of my consumer report AND add a security freeze even though I provided all necessary documentation
Product: Checking or savings account

I filed a complaint to chase bank regarding charges I did not placed. From a year ago while I was going over my statesment I reported to the bank and the bank and ask for my late fees to be removed after the bank make a decision to block my acount and I wont be able to use it anymore and a check would be send in the mail I did nothing wrong I am a honest person reporting everything to the bank they been wrong I been a value customer to the branch and Chase bank hold my acount {$800.00} initial final claim is finalized.
Product: Mortgage

XXXX XXXX, Our conversation today, you stated that you needed proof that there wasn't an escrow account.This is proof stating from XXXX XXXX " Year End Statement '' that shows no taxes and insurance was collected for escrow due to escrows being canceled by prior servicer XXXX XXXX XXXX. I am requesting the amount of {$470.00} to be sent to me within 10 business days. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached. No consent or permission by me, the consumer, to report, or furnish any information to a credit reporting agency or any third party. XXXX has been reporting late payments, missed payments, and open balances that shouldn't be reported due to not being specified on contract and no consent to do so by me. Account numbers XXXX and XXXX.All three Credit reporting agencies verified this party to report frivolous and inaccurate information to my consumer report. Enclosed invoice.