23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/year> while travelling in remote areas for helping XXXX XXXX XXXXXXXX with finance, I was not able to pay my CHARGE card payment. With all challenges in my face I still managed to call the front desk of local AMERICAN EXPRESS CARD and they said we will accommodate. 
After that they did not accommodate but started levying penalties, doubling down on interest, SUSPENDING my CHARGE CARD for which I paid money, putting a criminal EXTRACTION AGENCY behind me. Its been 30 days since I put a request to cancel. But they do not act on it as then I cease to be their cashew. I have appealed to everyone but they hide behind procedural things and avoid the resolution. 

My other card which is also a charge card with almost 5 times credit limits they blocked that too. 

I am totally frustrated and hence this request.
Product: Debt collection

XXXX, You have stated your bound under the FCRA specifically laws under 623 to ensure maximum possible accuracy under law. However in this letter provided you stated you sold all rights of this account to Bonneville Collections. How are you able to verify maximum possible accuracy to the credit reporting agencies if all rights of the debt was sold off to Bonneville Collections? If all property rights of the debt is now under Bonneville Collections? XXXX and XXXX have stated that XXXX provided verifiable documents that the accounts are verified and accurate. Please provide what documents you provided to the credit reporting agencies as you also stated all rights and property was sold off to Bonneville Collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and told them I was a victim of fraud with their Inquire issue with someone applying for different credit cards and car loans and they refused to help me get those invalid inquires off of my report. Here are the list of items I tried to get help with. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Ive been using Coinbase since approximately XXXX of last year and in doing so I use my debit card to purchase cryptocurrency. All of the sudden out of the blue, I have been restricted from using debit cards on the exchange. When I inquire all I am told is that for the security of my account the reason why can not be disclosed. Well Im not sure why they need to keep my own account secure from me, or what damage me using my debit card to purchase cryptocurrency could be doing to the general public, but there has never been any issue with any of my payments and theres absolutely no reason why I should not be able to use my debit card as every other user of Coinbase is able to. It did not give me any information as to the reason why is unacceptable. Even though they are the largest crypto exchange in the United States they are also the most expensive and I pay fees for every single transaction and Ive paid them a lot of money and they should be looking at me as a customer and they should be putting my interest before their own. Instead of treating me like I am a prisoner and that I dont deserve transparency.
Product: Credit reporting or other personal consumer reports

was at XXXX to pay for oil change. Was told if i apply that it will only be a soft hit and not to worry. Told him i was applying for home loan and absolutely could not be a hard hit. He promised that it would not be.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. XXXX XXXX XXXX original XXXX XXXX XXXX XXXXXXXX {$7100.00} 2. XXXX XXXX XXXX {$5000.00} XXXX. XXXX XXXX {$6800.00} XXXX. XXXX XXXX {$2700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX  report and found the inquiry below which was not authorized by me : Clarity Services on behalf of XXXX XXXX XXXX Date : XX/XX/2018
Product: Credit card

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I discovered accounts reporting on my credit reports that I never opened. I do not recognize any of the account information. And I never engaged in any business with the companies named on the accounts. The credit reporting agencies, XXXX XXXX, XXXX, and Equifax have a duty to ensure that they are reporting fair and accurate information but they have failed to do so. How can a credit reporting agency be handling private financial information and make a mistake like this? Since then my credit standing and reputation is being damaged more and more daily. I am seeking redress and equitable relief for the fraudulent account information to be deleted from my credit report within 4 days from the receipt of my notice of dispute. The fraudulent accounts are : XXXX XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX XXXX XXXX, Account # XXXX. I have attached my appropriate identification, proof of my real address, an identity theft notice, and an identity theft report through the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sc XXXX XXXX. States I have the right to privacy. 
XXXX XXXX sc XXXX XXXX. states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 
In accordance with credit reporting act the following accounts on my report violates my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX pts in 1 month from XXXX to the mid-600s on both Transunion and XXXX immediately after I successfully refinanced my home mortgage for {$570000.00} with XXXX XXXX XXXX. The average age of my credit accounts dropped from XXXX years to 2 years. XXXX??? I am XXXX XXXX XXXX. I have had credit since1XXXX with my first credit card being from XXXX so I could pay for aviation fuel while learning how to fly. I have not been late on a payment in over 15 years. I have no derogatory information in over 15 years. Please DIRECT XXXX and TRANSUNION to correct the scores immediately. I have filed a Small Claims Lawsuit against XXXX in New York, NY and will be filing a lawsuit against Transunion and the firm that prepares the XXXX XXXX score in Connecticut seeking {$10000.00} in damages and all other relief allowed by law. This is fraud pure and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have sent multiple certified letters to Experian concerning a student loan ( XXXX XXXX ) on my credit report. I did not attend school I joined the military. Therefore having a student loan in my name is impossible. I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, Experian company should also giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair has to be removed for consumers credit report! I have sent more certified letters explaining this to Experian and have NOT received a response.
Product: Money transfer, virtual currency, or money service

PNC doesn't allow me to link my account with XXXX. I am currently using XXXX as my savings and investment account, and have my other Bank linked to it and would like to link PNC. This is not an option and I honestly am considering changing banks, because of it. It is my money, my account.
Product: Checking or savings account

I received a letter, on XX/XX/XXXX, from XXXX online banking ( XXXX XXXX XXXX, XXXX, NY XXXX ), that my account was closed on XX/XX/XXXX ( See attachment ) and the funds transferred to Citizens bank. I did not authorize the transfer nor was I given any advanced notice of the pending transfer. I was getting .XXXX  interest and, with Citizens, I only receive XXXX interest. When I attempted to close the account online, via a funds transfer, I received an error message stating that it could not be made because the transfer exceed the maximum amount. I then contacted Citizens ( Main office - XXXX XXXX Bank XXXX, XXXX, XXXX, RI XXXX - customer service t ( XXXX ) XXXX ( XXXX XXXX XXXX, Branch manager ) and was told that there is a transfer limit of {$10000.00} per day ... Or, if I did not want to make DAILY TRANSFERS of {$10000.00} until I reach a zero balance, OR I could go to a local branch ( A FOUR-hour drive ) to close the account. I explained that I did not open the account at their bank and, therefore, I did not agree to any of their limits on transfers. His answer : " Sorry for the inconvenience. You also can send a Notarized letter to the bank and ask to close the account which would take up to 10 days to process. We will then mail you a check as soon as your signature is verified. ''
Product: Debt collection

I am constantly receiving calls from XXXX XXXX, I have spoken to them on a couple occasions and fully explained my financial situation on Thursday XX/XX/2019, I had ask them to stop calling me and that their calls were becoming a point of harassment they stated that they would note the account to have the phone call stopped. As of XX/XX/2019 they still continue
Product: Credit reporting or other personal consumer reports

I've identified information on all my credit reports that are a result of identity theft. These items are not related to any transactions completed by me. 
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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

FINAL NOTICE! I have contacted this companies that I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS and UNITED STATES of AMERICA FEDERAL LAW.

Please block and remove all information from my credit report and send me an updated copy of my credit report.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed.

In accordance with the FCRA, a consumer report excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Any inclusion of late payments or derogatory statuses constitutes a clear infringement of 15 USC 1681a ( d ) ( 1 ), as this information relates to the consumers experiences.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 


Please make all listed below update or deleted in my credit report!
Product: Credit reporting or other personal consumer reports

I CONTACTED XXXX AND TOLD THEM I DIDNT DO THIS THEY HAVE WRONG PERSON THEY TOLD ME THAT FROM THE INFORMATION THEY HAVE IT CORRECT INFORMATION
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns involving Zelle handling of disputes, particularly in the light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle, numerous of times and reporting discrepancies, my Financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transaction was unfeasible. The CFPBs findings that Zelle not only neglect to protect customers but has also allowed repeated offenders to explore the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information in general. if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer file Please remove the following items from my credit report * XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX Balanced {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent all 3 beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with Beaus ( 1692 ) e. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per 1692g Im asking for verification of debt and also how did all 3 beaus come with such information being reported on my account in regards to 3 miss payments to a XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started an Investigation In XX/XX/2023 with Bank of America. They had reported a 30 days late on my three bureaus report ( XXXX, XXXX XXXX and XXXX ) for the month of XX/XX/2023. After speaking to a representative they stated that they had made an error and they would start an internal investigation. They also stated that it would take 30 business days for them to complete their investigation. This month ( XXXX ) I ran my reports and they were able to reverse the 30 day late remark for the month of XXXX but only on XXXX. I called them back today to find out what had happened and why they were still reporting the 30 days late on XXXX XXXX and XXXX. I spoke to a manager today because this is the third attempt and time I have called for answers and to complain. Today, the manager stated there was no error and the reason why XXXX might show no late payment history is because they don't report to XXXX. I called XXXX directly, and challenged this because they have always reported to XXXX, and this made no sense. I have a copy of my XXXX report from XX/XX/2023 with a late payment, and I have XXXX 's report with no late payments. There's clearly an internal miscommunication and reporting issue within Bank of America 's end. I am currently under contract with a mortgage company to close on a property this month and because of this discrepancy there's a big possibility I might not close and lose my deposit, this is causing a lot of distress for both my family and I. Can you please help to rectify this error on their part, thanks!
Product: Debt collection

I received a letter from Lien Enforcement , Inc. dated XX/XX/2019, stating that owe a balance of {$3000.00} for towing, storage and lien fees for a vehicle that I do not own. I sent a certified letter to this company ( please see attached documents ), disputing any obligation for this debt. That letter was denied delivery ( " delivery exception '' ) at the request of Lien Enforcement , Inc and is currently being held at the XXXX XXXX Post Office.