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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ; " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX  are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 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 they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 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. Equifax and XXXX  are not maintaining reasonable procedures. Also 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: Debt collection

on XX/XX/XXXX I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office Paramount Recovery System to provide me with competent evidence that I have any legal obligation to pay you if your office fails to respond to this validation request within 30days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately.as of XX/XX/XXXX I still haven't hear any thing from this company Paramount Recovery System the account is still active the account Paramount Recovery System did not remove nor sent me a copy of such deletion should've been sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, MIDLAND CREDIT MANAGEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am not responsible for this account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, MIDLAND CREDIT MANAGEM has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries listed on my credit report at know time given verbal or electronic permission to try and obtain my credit information. Any inquiries I made were presented as pre qualify with out hurting your credit. These need to be removed from all credit bureaus unless they can provide proof of my request. If proof can not be provided then all inquiries should be deleted and updated to reflect those changes. Again ANY proof I requested credit from any inquiry must be sent to me.
Product: Debt collection

the guys name is XXXX XXXX. I have repeatedly numerous times asked hit to stop calling me this is a work number. But he refuses even going to great lengths contacting my family members and threatening me with jail or lawsuits. he calls about 20 times a week at all hours of the day. when i ask him to stop he claims he has the legal right to call me as often as he likes and the only way he will stop is when i pay him. i know nothing of this debt and it is from many years ago.
Product: Debt collection

I dont have an account with XXXX and i am receiving calls about sending me to jail if i fail to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this public record with TransUnion I dont recognize this public record listed below, I have requested TransUnion provide me proof from the court and mail me the results of their investigation, TransUnion has failed to do so. TRANSUNION CONTINUES TO VIOLATE MY RIGHTS UNDER THE FCRA 623 ( a ) ( 1 ) ( A ), WHICH CLEARLY STATES THE CREDIT REPORTING AGENCIES HAVE A LEGAL OBLIGATION TO ENSURE THE ACCURACY OF INFORMATION THEY FURNISH, TRANSUNION HAS CLEARLY FAILED TO DO SO. I HAVE ALSO PROVIDED PFOOF FROM THE COURT THAT THE INFORMATION TRANSUNION IS REPORTING ON MY CRDDIT FILE IS INACCURATE, HOWEVER TRANSUNION CONTINUES TO VIOLATE MY RIGHTS AND NOT INVESTIGATE THIS MATTER. TRANSUNION CONTINUES TO SEND COMPUTER GENERATED RESPONSES EVERY TIME WITHOUT PROVIDING ANY PROOF THIS ACCOUNT BELONGS TO ME. I HAVE ATTACHED EVIDENCE THAT TRANSUNION IS IN VIOLATION OF THE FCRA, AND HAS FALSIFIED INFORMATION TO THE CFPB AND MYSELF. NOW IS NOT 5HE TIME TO UPDATE, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY : XXXX BANKRUPTCY/DOCKET NUMBER XXXX.
Product: Bank account or service

Recieved a letter in the mail telling me keybank closed my account .... open an account on the 5 and today is the 13 and wasnt notified till today with a letter .. 
If there was a problem with opening the account i should have never been able to open and account .... my money is going to be sent back to me via check and have to wait for XXXX knows how long ... called keybank customer service and the do. Ot see why im account is closed ... worst bank in the world waste of time and waste of money for the simple fact i have to wait for a refund of my money and never was told why my account was being closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act this creditor has violated my rights in 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Please update my name on my credit file as it is stated on my identification. Remove all variations of my name. 

Make sure my date of birth is accurate on my on my credit file. Please list my correct social security number on my credit file as it is listed on my social security card. Remove all variations of my social security card number. 

Please update my address on my credit file as it reports on my identification. Remove all address that are not on my identification. 
Please update my unemployment as follow ( XXXX XXXX XXXXXXXX ). My title at the company is XXXX XXXX. 

Also, I started working at the company in ( XXXX ) and ( XXXX  ). 
I do not wish to have any telephone numbers on my report.

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.
Product: Debt collection

This is a Repossession debt, that happen 5years ago. There have been 3 DEBT Collectors.This accounts HAS been sold to 3 different collectors. PBC trying to re aged the debt. Texas statues of limitation is " 4years ''. I 've challenged this repossession to the State of Texas. XXXX violated the Texas State Repossession laws, and Settled with me out of court. I asked them, too stop. I have file another complaint with The Attorney General of Texas. Please read : If the repo agent breaks into your garage to take the truck, that is breaching the peace " This what XXXX did ''
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

CBE GROUP account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the charge off accounts associated with my credit report. The charge off accounts in question are from XXXX and XXXX XXXX with account numbers XXXX and XXXX respectively. 

I am not aware of any delinquent payments or actions that would result in these accounts being charged off. I have always made payments on time and in full, and have never received any notifications of missed payments or other issues with these accounts. 

I request that you investigate these charge off accounts and provide me with a detailed explanation of the circumstances surrounding their creation. Additionally, I request that you remove these charge off accounts from my credit report if they were created in error. 

Thank you for your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 an account without my written instructions.
Product: Checking or savings account

I was shopping online with XXXX  online first the was no available for delivery so I went to the option which you allow XXXX to shop for you and you just pick up your purchases and completing the order it gave my option to pay for my order with Chase Pay which supposed to be option for you pay. What's concerning that the customer services did not know about the product and told that I only can view my transaction via the application so I cancelled it. Really concerned that Chase allow me to enrolled in product and services that has been discontinued since XX/XX/2020 when I select this product and services it should denied enrollment. Complaint references # XXXX please investigate ensure that me other customer are not able to enroll in product and services that are no longer available and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX  are reporting misleading information on my credit report that should've been removed last year. These XXXX late payments are well over 2+ years old and it's significantly impacting my credit report. My credit worthiness has taken a big dip because of XXXX XXXX  reporting late payments that shouldn't be reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit reports there is inaccurate information thats on my file that wasnt made or authorized by me below I have attached my reports! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Harrassing me, of a bill it was paid. 
I always pay, every time I visit a doctor. 
Collection agency harrasing me making calls, and hang ups.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my better efforts the original creditor has yet to be displayed on My credit report and the account still shows the opening date is XXXX  more than 7 years ago. According to FCRA rules it's no secret that that should not exist there nor is it valid I'll add or verify above without the original credit.
Product: Payday loan, title loan, or personal loan

Previously paid off a loan with the company and suddenly have a new loan open with them for the amount of $ 1000+ I did not go through with this loan and would like the account gone and off my credit report.
Product: Credit reporting or other personal consumer reports

A credit card that was fraudulently opened in my name back in XXXX has reappeared on my credit report. This charged off card has been removed since XXXX of XXXX and has appeared back almost XXXX  months later. This card is not my responsibility and i would like for it to stop showing on my XXXX report via Experian and XXXX XXXX i called XXXX trying to remove it and it is not visible on their end.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included the screenshot for inside this complaint in/on dates of XXXX  Please investigate and provide proof with statements showing that this payment was late. If proof can not be provided, I demand the payment be updated to paid as agreed on time, as it should be because it, in fact, was never late. Please see the attached screenshot. Thanks in advance for your assistance.
Product: Debt collection

Kindly examine the fraudulent and suspicious items on my credit report.
Product: Money transfer, virtual currency, or money service

My account on the Coinbase website has been under review since XX/XX/2021. 
I can not sell, buy or withdraw my money. I have contacted the technical support to unblock my account but they do not give me any solution ( attached conversation ).

When I open the Coinbase website I get the following message : ( Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. ) Six months have passed and there is no way to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to block any items which were opened without my knowledge, consent, or authority. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$730.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ;
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report and seen that I was a victim of identity theft so I contacted my bank and had them to freeze all my accounts until further notice
Product: Credit reporting or other personal consumer reports

I reviewed my credit score through credit karma and my score seemed to be oddly low when I paid off my car note in full just recently and then I realized a car loan that I didnt establish like who even give you guys permission to report such things you should know its fraud all the inquiries on my file as well as the acceptance car loan is fraudulent as well My information may have been impacted by the Equifax Data Breach and XXXX XXXX breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists 15 USC 1666 ( a ) A creditor may not treata payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX 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 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: Checking or savings account

Overdraft fees even tho the was there on my end. Charges showing up late also causing extra overdraft fees. Its an endless battle.
Product: Money transfer, virtual currency, or money service

Coinbase Case ID : XXXX My XXXX BTC has been awaiting approval from the coinbase vault to the main wallet since XX/XX/17. Actually since XX/XX/XXXX but i cancelled and retried again.
Product: Debt collection

Time Finance company is calling me repeatedly today XX/XX/2017 The called 6 times in a row around XXXX I was at the doctors and left a voicemail they have called 4 times after through the day ... .a voicemail is considered contact as well