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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX XXXX 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 or other personal consumer reports

Citibank is " inaccurately '' reporting information to all three credit agencies. They ( citibank is in direct violation of the laws below : - 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

- 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

ATTACHMENTS : Second 2 Attachments : XXXX Report Dated XX/XX/XXXX You will see 2 arrows. Below will have the description of what the arrows are pointing to just to clarify what is being inspected for the purpose of " reinvestigation. '' - Arrow 1 : Pointing to the month, XXXX, the number of XXXX is stating that that pymt was 120 days late - Arrow 2 : Pointing to the month, XXXX, the number of XXXX is stating that that pymt was also 120 days late. ( That alone is inaccurate ). 

First 2 attachments are the XXXX reports XX/XX/XXXX - On the XXXX report Citibank is reporting that " XXXX '' is on time and that XXXX, XXXX and XXXX are late. 

Again, none of the payments are even late.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my inquires and do not need to be on my credit report and are being reported by experian. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX GXXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX These are not my inquires and do not need to be on my credit report and are being reported by Transunion. I sent them a letter XX/XX/XXXX and still not response. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Student loan

MOHELA will not respond to secure messages. They will not complete their work. They will not put me in the correct kind of forbearance while they finish their work. For 4 months I have been trying to work with them and nothing. Finally they sent a bill, which is absolutely incorrect in every possible way. 

I need help making them do what they are supposed to do. I just need help, they won't help me... I keep reporting this to XXXX, they either can't or won't help, and now I'm really just getting tired of this situation. 

The answer can not be " Well call a CSR on the Phone '' no, sirree it can not be. I have neither the time, nor the inclination to sit on hours long holds only to either be disconnected or to be given incorrect information that can not then be referenced easily, later. 

I just need help and no one seems to care enough about my situation to assist including the DoEd and MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX Prime investments. They have not provided me with the original contract as requested
Product: Money transfer, virtual currency, or money service

Coinbase charged me debit card fee on buying crypto currency in the XXXX. In the XXXX its illegal for companies to charge a fee for using their debit card for any purchase. This law came into force on the XX/XX/2018. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried getting my reports from XXXX and it kept giving me an error. I called them to find out why and the reps don't know why, they just say try again.
Product: Debt collection

DISPUTED DEBT VIA CERTIFED MAIL ON XX/XX/2020 FAILED TO ADDRESS VALIDATION OF ALLEGED DEBT
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following items : 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX I am trying to use my phone number with XXXX please automatically enroll it on y'all end for me my XXXX information is XXXX and email is for XXXX is XXXX but I get this error saying this this phone cant be used to enroll with XXXX please fix this issue for me account Account number XXXX and picture of the issue is below please at them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

Back in XX/XX/XXXX I arranged to pay the balance with the company and charged me a processing fee and that's illegal.
Product: Credit reporting or other personal consumer reports

This is yet another attempt by me to get the information corrected by this company. the company has provided the credit reporting agencies the wrong information. which in turn stopped my wife and I from gaining the equity in our home. They advised that through their research they never spoke with or had any contact with me regarding a forbearance. I clearly reached out to them in XXXX of XXXX. They responded in XXXX of XXXX. Several months later. Instead of offering me a forbearance they sent me and my wife a modification. Why we would take a modification when the rest of the nation under the cares act was provided a forbearance ; shows the type of bad intent and business they continue to do and provide. I was XXXX XXXX XXXX XXXX and thought we were getting a forbearance. We did not and have found that the company after sending us a letter stating that during these times, they would not report negative history and went against everything that they stated in the correspondence. A correspondence that printed on their letter head is legally binding. Also, we have now found that our balance use to be XXXX is now XXXX on their website. This is a clear violation of our rights. This company has been terrible. This issue even goes all the way back to XXXX when they were Ocwen and cancelled over XXXX of debt through a 1099C. In XXXX they cancelled the debt for the amount of just over XXXX on another 1099C form. We borrowed XXXX and they ended up cancelling over XXXX and getting credit for it from the IRS. ( info included ) We checked with the IRS during that time and found that they indeed did get credit for the debt cancellation. How are they allowed to get credit then go after the consumer? I own my own company and can't write off any amount and still go after someone who owes me for the original amount! All we want is to have the amount and credit reporting corrected. If not, we will be forced to join the many class action lawsuits against them. This company should not be allowed to practice business at all. The little man consumer is being crushed by companies like these as they are allowed to rip us off through bad/illegal business practices!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

TransUnion is in violated of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my TransUnion Report without my written authorization and permissible purpose under the Fair Credit Reporting Act and its guidelines which is a direct result of IDENTITY THEFT. A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2 ) The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D Ind. 2003 ). 15 USC 1681 ( b ) c ) - Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person or record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. According to the law referenced, TRANSUNION must remove the following unauthorized inquires that were pulled from my report without my written authorization and permissible purpose Immediately listed in my notice sent to them or they will face legal consequences.
Product: Credit card or prepaid card

In XX/XX/XXXX we rented a place to stay in XXXX AZ via XXXX for XX/XX/XXXX. At that time we paid the full amount of {$3300.00}. On XX/XX/XXXX, XXXX notified us via email that the reservation was cancelled as the owner had sold the property. Per the rental cancellation agreement we were to receive XXXX  % reimbursement because the cancellation was before XX/XX/XXXX. However, no reimbursement showed up on my XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute with Capitol One. In several calls I spent hours on the phone with them. I also sent two letters of explanation and copies of relevant documents. I explained that the owner/host would not communicate with us, nor was XXXX. Now XXXX XXXX has told me via a letter of XX/XX/XXXX that since I did not file the dispute within 60 days, they will not give me a refund. It was 61 days after the cancellation but it took time for statements to reach me. Again, this is for a rental next XXXX! We will receive nothing for our money and this business model is most unfair to consumers. I would be happy to provide all the documents and or answer any questions. Lastly, I have no vision in my right eye and do not see all that well with my right. eye in some situations Thus, it can be challenging to follow light gray or small print. 
There is more to this case such as XXXX changed from XXXX XXXX  to XXXX XXXX to manage their credit cards. There was some non-related fraud on the XXXX XXXX  account which was successfully resolved but raised questions about this transaction. I tried to call instead of writing all of this down but could not get through. 
Sincerely, XXXX XXXX
Product: Prepaid card

I was trying to apply for a personal loan found a loan company XXXX XXXX. They sent me documents through docusign and things looked legitimate. Then XXXX XXXX starting asking to go to XXXX and purchase XXXX XXXX. 
On XXXX/XXXX/2033 XXXX {$490.00} XXXX {$460.00} XXXX {$460.00} So I did the purchases. Then next day he asked to get XXXX more for {$500.00} when I went to XXXX to do the purchase I was told I can only purchase XXXX a day. Well XXXX allowed me to purchase XXXX. So thinking something wasnt right I called my bank and they believed it to be a scam. I closed down that account open a new one, but was told by Global Credit Union that I owed them around {$3000.00}. I checked all the cards balances all but one was already at a XXXX balance. I cant transfer monies from the card to the bank so it no use to the back. How can I get my monies back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account that is listed on my Credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Department Of Treasury # XXXX 15 U.S.C 1681 Section 602 A. 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 Any other adverse item of information, other than records of conviction 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I requested bureaus Experian, XXXX, and XXXX to reinvestigate accounts : Account name : XXXX XXXX XXXX XXXX ( XXXX ). Their results determined everything was complete and accurate. However, I am finding the reporting accuracy across the 3 bureaus is not correct. According to 15 USC 1681i ( 5 ), the bureaus are required to modify accounts that aren't reporting correctly. 

I am requesting proof of investigative efforts for this account. If proof can not be provided, I am requesting this account be deleted from my credit report due to inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}, {$20000.00}, {$2000.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 
3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with RE : Bankruptcy File Number XXXX they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Checking or savings account

I made XXXX deposits on XXXX. I got notification that my deposits would be held until XX/XX/XXXX before I could access the funds. On XX/XX/XXXX they froze my account and didnt even bother to notify me. I was out of town and didnt realize they did this until I returned home yesterday. I heard from many people that KeyBank really sucks and freezes peoples account for no reason. I should have listened. They held thousands of my money hostage under the guise of fraud. I dont understand they didnt call or email me. And I got the snail mail 2 weeks later and now even more delays and I need access to my funds. We dont have a branch in my city so I cant get this resolved quickly
Product: Credit reporting or other personal consumer reports

Innovis, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer/credit reports ( IRS Publications 4681 ). 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 ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).