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

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported 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. '' The furnisher of information to credit agencies is considered a financial institution under this title. 
15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. 
Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

Multiple times I have been told that I have a 90 % chance of getting pre-approved and then I apply and then I don't get approved because of my credit score I want to be compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair CrediXXXX & XXXX XXXX Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$730.00} XXXX XXXX XXXX Opened XXXX {$1200.00} 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, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute letter to Experian in regards to inaccurate and unverifiable information on my credit report. I submitted legible, required identification along with the dispute. On XX/XX/2021 I received a response from Experian stating that they did not process my dispute because my ID was not legible. They LIED! I submitted a copy of my ID, Utility bill, and last 4 of my SSN all legible. I called Experian on XX/XX/2021 and the representative confirmed that my ID was legible and they wanted to confirm it was me. I confirmed my identity over the phone and requested that they proceed to process my dispute letter. The representative denied my request and stated that I had to dispute over the phone. The representative stated that only XXXX and XXXX XXXX were the only accounts on my report in regards to the dispute letter. Experian lied again because XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , and XXXX XXXX are also on my Experian report. This is costing me time and money and stressing me out. Experian did not respond to my original dispute. Nor did they address ALL of the disputed accounts regarding the phone dispute. I am demanding assistance in dealing with this fraudulent company. 

Attached Documents : Original Dispute ID Sent With original dispute Experian Response to original dispute Call to Experian Log Experian phone dispute log
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter concerning Equifax and the inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report, and as of the present date, they have not responded. I am seeking your assistance in addressing this issue promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). The following are the details of the inaccurate information and the required corrections : Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} This account was never late. Please correct this inaccurate information on my credit report. 

Account : XXXX  Date Opened : XX/XX/XXXX Balance : {$520.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Please remove this account from my credit report as it does not belong to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that i have no knowledge of I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S Code 1681i- Procedure in case of disputed accuracy. I ask that the accounts be removed from my credit report. 
XXXXXXXX XXXX XXXX Account # : XXXX
Product: Credit card

i spoke on 2 occasions in the last month with greensky about a loan credit line that i used to have my teeth repaired. their interest rate on the card is XXXX percent. i want to send you a screen shot of the bill and the amount i owe. i became unemployed in XXXX of 2024 after 7.8 years of employment it has been difficult for me to find work as i am over looked alot because of my age 61 years experiencing age discrimination. i asked them to close the account and i have it refferred to XXXX XXXX XXXX XXXX XXXX XXXX informed me that greensky will not cooperate with them in lowering the interest rate. 

i already have most of my account ins dept management with greensky. all except greensky line of credit and 2 major credit cards from XXXX the XXXX XXXX XXXX in XXXX. 

can you help. please advise
Product: Credit reporting or other personal consumer reports

the company XXXX XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. This company does not have any proof of my signature for my consent and authorization as I have never done business with this company. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a 3rd party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Mortgage

The loan originator for our home ( purchased in XXXX XXXX ) did not include wind and hail insurance in our closing costs. Neither the lender nor the closing attorney brought to our attention that it was required. The loan was sold to Pacific Union in XXXX XXXX. In a letter dated XXXX XXXX, XXXX, Pacific Union informed us that we would have to purchase wind and hail insurance in addition to the hazard insurance we already held on the property. By XXXX XXXX, we had cancelled our previously existing policy and purchased a new homeowner 's policy that included wind and hail coverage. We were informed both verbally and in writing by customer service representatives and the XXXX XXXX XXXX himself ( XXXX XXXX ) that we would not be responsible for any lender placed coverage between XXXX XXXX and XXXX XXXX. Fast forward to XXXX XXXX and we were informed that our monthly escrow payments would be increasing beginning XXXX XXXX. This was expected as the new homeowner 's policy, inclusive of wind and hail, is more expensive than the original policy and the taxes increased slightly. However, the disclosure statement sent to us lists a disbursement described as " ADDITIONAL '' in the amount of {$720.00} paid in XXXX of XXXX. This payment was withdrawn from our escrow account ( causing it to go negative ) for payment of lender placed insurance that we were previously informed we would not be responsible for. Since receiving the escrow account disclosure statement, we have attempted to have the {$720.00} refunded to the account to no avail ; even with continued assurances from Pacific Union representatives that we are not responsible for that lender placed coverage. We have continued to make our payments on time even though they are much greater than needed to account for the increased insurance premium and taxes.
Product: Checking or savings account

Ok so two things. On XX/XX/23 I went and deposited two checks totaling {$4500.00}. These checks were given to me as a payment for 7 XXXX This morning ( XX/XX/23 ) the checks fully posted to my account and i thought this was all. Now at XXXX today i see my account is overdrawn and I called Wells Fargo and they said the check has been altered but I dont see how thats possible when the check was posted? I accepted the check mainly because I thought you cant return checks. And Wells Fargo said to wait 10 business days for a response how am I supposed to live that long without my bank account or my money. The second thing is this morning when I went to see if my check posted I see unauthorized transactions from my debit card which I also disputed as fraud and ordered a new card. All in all I am basically down around XXXX $ and they cant do anything about it but expect me to wait 10 business days for a decision? This is ridiculous I am strung out left to dry with no money and cant even use my bank account.
Product: Money transfer, virtual currency, or money service

Coinbase ( cryptocurrency ) listed a new stable coin, XXXX, in XXXX, 2021. I had approximately {$100000.00} of a different coin, XXXX, and I converted all of it to XXXX. The price should have remained constant, but Coinbase set it up incorrectly, so when people began to purchase, the price value went up. Within hours, my portfolio had increased to {$170000.00}, but Coinbase disabled selling, so I was not able to sell for a profit. Trading remained disabled for several weeks, until the price was fixed at a much lower value. When trading of XXXX finally resumed, my portfolio had dropped to around {$23000.00}, where it remained because XXXX was now operating correctly as a stable coin. I'm only just now reporting this because I have been in constant contact with Coinbase trying to get a refund of my initial investment, through phone calls and email correspondence with Coinbase Support as well as filing a formal complaint with Coinbase on their company site and also filing a complaint with the better business bureau and FTC. In addition to the loss I incurred due to Coinbase not allowing sale of XXXX  while they worked to fix their mistakes, the 3 separate conversions that I made on XX/XX/XXXX from XXXX to XXXX each had hidden fees totaling around {$6000.00} even though the transaction previews showed a {$0.00} Coinbase fee to complete. Please help me recover these losses. Thank you.
Product: Money transfer, virtual currency, or money service

I have been trying to close my PayPal account for several weeks now ( after the scam they facilitated in my previous complaint ). 

The website has presented several obstacles ( providing bank account information, etc ), which I've cleared. 

For the last week, the website has said the account can not be closed, but only references ambiguous reasons that I can't track down. 

So, I initiated customer service conversations in their messaging portal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The one on XX/XX/XXXX had a rep ask me to confirm my email address ( why? ) and then the conversation was " closed '' so I could not reply. 

So I initiated another customer service conversation on XX/XX/XXXX, referencing the previous one. This one was closed with no reply I've initiated a third customer service conversation, but at this point, I'm at a complete loss. PayPal could not be more obnoxious in their refusal to close my account if they tried, and I'm not at all sure they aren't trying to be. 

ALL I WANT IS TO TERMINATE MY RELATIONSHIP WITH PAYPAL, BECAUSE THEY HELP PERPETRATE A SCAM. PAYPAL IS REFUSING TO LET ME CLOSE MY ACCOUNT.
Product: Debt or credit management

XXXX XXXX XXXX XXXX of Contact Center Operations** JG Wentworth XXXX XXXX XXXX XXXX XXXX PA XXXX RE : XXXX XXXX acct XXXX XXXX **Subject : Formal Request for Contractual Fulfillment Dear XXXX XXXX XXXX XXXX XXXX, I am writing to address significant concerns regarding JG Wentworths handling of my account under the debt negotiation program, initiated on XX/XX/year>. For six months, I have made timely payments totaling {$1500.00} in good faith, per our agreement. However, despite my commitment, I have received little meaningful communication or updates about the progress on the two debts your company agreed to negotiate.

Throughout this period, I have reached out repeatedly, only to receive inconsistent responses from contact center representatives. In our most recent communication, I was informed that one of my accounts is now considered a scrub account, a designation suggesting little to no likelihood of successful negotiation. The negotiating team was asked for updates on both accounts and only sent one response.Meanwhile, I have received no substantive information about the second account. What does scrub mean???? How is it that your reps do not provide a proper explanation and a client has to chase to get a repsonse? I have asked for a manager to repsond and the reps will not escalate?
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX  XXXX XXXX XXXX Account Name XXXX XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX CARD # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

A company called XXXX contacted me on two separate occasions, once on XX/XX/XXXX and again today, XX/XX/XXXX. This agency was looking for my sister, XXXX XXXX. On XX/XX/XXXX I told the company that this was a relative 's phone number and i was not to be contacted. I called my sister to notify her of the call and she let me know that they had called her before they called me. So they knowingly had contact with her and her contact information, but couldn't make progress with her so they contacted me. This agency was trying to collect a debt for a company called XXXX and associates ( XXXX ) XXXX. I am being harassed for a debt that does not belong to me. I also live in a different state than my sister and have a phone number that was obtained years after any date that we lived in the same household. It seems that i was tracked down by personal information to get in contact with my sister when they already had her contact information.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of certain items on my credit report as provided by the credit bureaus, XXXX, XXXX, and TransUnion. Despite multiple requests for verification, the accounts listed below remain unverified, which has negatively impacted my creditworthiness and ability to obtain credit. Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), I request that these accounts be thoroughly investigated and either verified with hard evidence or removed from my credit file. This law mandates a reasonable reinvestigation to determine the accuracy of disputed information within a XXXX period. Additionally, I request the removal of all non-account holding inquiries over 30 days old and the addition of a Promotional Suppression to my credit file.
Product: Payday loan, title loan, or personal loan

Using fake loan site to collect banking info
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 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 XXXXDEPT OF JUSTICE XXXX DEPT OF ED XXXXXX/XX/XXXX
Product: Debt collection

While checking my credit report on XXXX XX/XX/XXXX. I noticed two inquiries with a debt collection from XXXX XXXX XXXX one account that was for an amount of {$370.00} that was opened on XX/XX/XXXX. The other account was for an amount of {$680.00} that was opened on XX/XX/XXXX. I don't owe this company any debt
Product: Money transfer, virtual currency, or money service

PayPal is not allowing me too send crypto currency thru their system and they not stick to the white papers that they have for this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$520.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows i had one 30 day late, but i was never late