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

Accounts : XXXX I am filing a complaint against OPPLOANSXXXX XXXXXXXX, XXXX, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the XXXX XXXX XXXX XXXX XXXX OPPLOANS/XXXX XXXXas reported a charged-off debt to XXXX, XXXX, and XXXX XXXX my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, OPPLOANSXXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. OPPLOANS/XXXX  actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, OPPLOANS/XXXX ) is engaging in deceptive conduct that harms consumers ( Me ). Furthermore, OPPLOANS/XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. OPPLOANS/XXXX improperly disclosed my personal information to credit reporting agencies, specifically XXXX, XXXX, and XXXX without my permission. Additionally, OPPLOANS/XXXX has violated the XXXX ( 15 U.S.C. 6802, also known as section 502 ( b ) of the XXXX XXXX  ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as XXXX, XXXX, and XXXX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and XXXX ( Reasonable opportunity to opt out ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment in XX/XX/2021. I noticed that there were multiple accounts that were not mine on my credit report and disputed them as identity theft. In addition, I filed an identity theft report. The accounts were removed from my credit reports by all bureaus. 

One account was a XXXX credit card. After removal, the account reappeared, and is now now being reported by XXXX XXXX XXXX. I disputed it with all three bureaus. While it was removed from two bureaus, they refuse to remove it from Experian. I have sent all documentation to both agencies, and have disputed to no end, but there has been no resolution. 

XXXX has acknowledged that it is fraudulent. Experian continues to report false fraudulent information about me.
Product: Credit card

Timely payment maintenance on this account has been consistent, avoiding any instances of overdue payments. The existence of late payment remarks on my accounts leaves me puzzled. In accordance with 15 USC 1666b - Billing Error, corrections must be made.
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX / XXXX / {$1500.00} XXXX XXXX XXXX XXXX / {$2200.00} XXXX XXXX XXXXXXXX / XXXX / {$0.00} XXXX XXXX/ XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit card or prepaid card

Someone used my XXXX card to send money to an account using Moneygram. I contacted money gram. They blocked access to the account that was created and will not provide me any information about the transfer such as recipient and where it was sent to. The bank is the number that was used to to send the funds. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of a recent investigation, conducted by transunion, on an accounts listed below, that is reporting on my credit report. This Account was opened without my knowledge or authorization. After being alerted of this fact, Last month, I requested an investigation because I felt this item was not being reported legally. Shortly after that, I reached out to Transunion, and a representative stated that transunion 's investigation was complete, and the info/accounts was deemed verified. After presenting them with a up to date FTC report, and other verifying docs to my being a victim of Identity Theft, I was told to try and submit another dispute, presenting the same information. In accordance with the Fair Credit Reporting Act, the accounts listed below, have violated my rights. 15 U.S.C 1681 Section 602 A States that 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Multiple times daily. When asking whether representatives were calling from they refused to answer. By law you are required to tell the name of your company.
Product: Debt collection

Regional Finance contacted an unknown law firm / person on XX/XX/2022 which contacted me asking me to have Regional Finance stop calling them attempting to collect my debt. They contacted this person and then gave them my contact details in order for them to stop calling not only this person but for me to get in touch with them as well. 

They effectively were using strangers to collect on this unknown debt. 

I found out that this is some kind of mailed check. They forced me to make a payment or they were going to report me 30 days late. They also had the unknown third party " law firm '' contact XXXX XXXX who alleges I owe them money and have been working with this person as well, we share similar first names apparently? 

I'm very upset that they gave my phone number to random people they were calling and I received phone calls about some debt that I don't even really know about and they won't accept any dispute without a police report which is nonsense.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX / XXXX XXXX Balanced {$XXXX} XXXX XXXX XXXX Balanced {$XXXX} XXXX  XXXX Balanced {$XXXX} XXXX XXXX Balanced {$XXXX} XXXX XXXX XXXX Balanced {$XXXX} XXXX XXXX Balanced {$XXXX} XXXX XXXX XXXXXXXX Balanced {$XXXX} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

Voss and Klein LLC has put a balance of {$550.00} on all XXXX credit bureaus that I do not owe as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am disputing the account XXXX XXXX XXXX. I have repeatedly asked for validation of this debt because the debt holder is charging interest and fees without providing a billing statement for fees or a contract that I have yet to receive. Under the rules of the FDCPA this creditor must follow the terms of the original contract as far as what fees can be added to the debt. I spoke to the original debt holder XXXX XXXX XXXX on XX/XX/2020 and was told there are not supposed to be any additional fees added to the original debt. I am enclosing the multiple requests I made to the 3 bureaus for a validation of this debt and I have also contacted the debt collector and no one has provided me a copy of the original contract. The bureaus have stated the debt has been verified as accurate, how are they verifying the debt if I can not get a copy of the original contract and I am the consumer. I am also enclosing a copy of the 3 bureau report to show inaccuracies that XXXX XXXX  is reporting and the credit bureaus have continued to allow this company to report this account with inaccuracies and without a fee statement as to why this balance has increased without notifying the customer. XXXX  has ignored my requests for proof of how they verified the account as accurate. I am asking for a deletion due to the inaccuracies and failure to provide an original contract and unauthorized charges and fees. I have also sent proof of my identity with a notarized copy of the ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. DPT ED/XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello I am a victim if identity theft and Ive disputed these items min the past with no resolution Im asking that this information be delelted from my credit report because it does not reflect my true credit worthiness!! And its false XXXX  XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$60.00} XXXX XXXX  XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2600.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX Balance {$16000.00} XXXX XXXX  XXXX XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$2200.00} XXXX  XX/XX/XXXX Balance {$2300.00} Inquires XXXX XXXX Inquiry date XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. TransUnion failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
1. XXXX  XXXX-Balance {$0.00} 2. XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/ 3. XXXX-Balance $ 189.00-Date Opened : XX/XX/ 4. XXXXBalance $ XXXX-Date Opened : XX/XX/ 5. XXXX  XXXX-Balance $ XXXXDate Opened : XX/XX/
Product: Credit card or prepaid card

Further to the acquisition of XXXX XXXX US retail business in early 2022 XXXX XXXX failed to implement appropriate systems and controls for the on-boarding of customer information from XXXX leading to errors in addresses and omissions in the contact data recorded for XXXX customers XXXX Furthermore, Citizens lack of appropriate systems and controls prevented customers that had been affected by these errors from contacting the group to discuss these problems. As an affected customer I wrote to Citizens group in XX/XX/2022 to explain my experience and ask for them to ; a. assure me that the lack of appropriate systems and controls would be addressed b. assist me in resolving the specific issue I had experienced as a result of their errors and inappropriate systems. 
Further to raising this complaint Citizens did not investigate the lack of appropriate systems and controls and did not provide an adequate solution to resolve the issues I had experienced. Full details are included in the letters sent to Citizens XXXX on the XXXX of XX/XX/2022 and XXXX of XX/XX/2022 along with supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 ( regular US mail ) and XX/XX/2022 ( certified mail with return receipt ), I sent a letter to XXXX XXXX XXXX requesting that it provide documented proof of the alleged medical debt of {$370.00}, including specifically the alleged contract or other instrument bearing my signature. I also asked proof of its authority in this matter. XXXX has chosen to ignore my correspondence and has provided no direct response or any documentation. I additionally sent certified letters to XXXX and Equifax on XX/XX/2022 and XX/XX/2022 after each claimed in response to my online disputes that the medical debt had been investigated and " verified ''. I requested that they : ( 1 ) provide the name and business address of any individual they verified with so that I could attempt to follow up with that party directly in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D ; ( 2 ) that under FDCPA and HIPAA I was requesting a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information, and to further cease any credit bureau reporting until debt has been validated by me. 
Each and every time I continue to get the same generic response that the medical debt has been investigated and verified. I am attempting to resolve the matter, but continue to be given the runaround by XXXX, Equifax, and, XXXX. If I indeed owe, they should easily be able to provide me with actual documentation.
Product: Money transfer, virtual currency, or money service

Hello. My current problem is that Coinbase.com has my account in " review '' status for over 3 weeks and I can't use my currency or do any movement on the account.

They don't seem to answer my replys and it's been quite impossible to move my account from the current status I am right now. 

The account affected is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent Experian a formal dispute regarding inaccuracies in my credit report. My letter, which was signed and dated, included a detailed outline of discrepancies in several accounts, referencing Fair Credit Reporting Act ( FCRA ) violations and Metro 2 compliance standards. To support my dispute, I provided : A signed and dated letter outlining the disputed items. 
A copy of my government-issued identification. 
A copy of my Social Security card. 
A recent bank statement reflecting my current address. 
The accounts I disputed contained inconsistencies in balances, statuses, and dates when compared to reports from other credit bureaus, raising concerns about the accuracy of Experian 's data. 

Experian 's Response : On XX/XX/year>, Experian responded with a letter implying that I did not submit my own correspondence, despite my original submission containing all the required documents and my signature. This response disregarded the thorough documentation I provided and offered a dismissive explanation that failed to address the validity of my dispute or comply with the requirements outlined in the FCRA. 

This handling of my dispute is both unprofessional and non-compliant with federal guidelines, undermining my rights as a consumer and the integrity of the credit reporting process. I am attaching Experian 's response for reference.
Product: Checking or savings account

I was hacked on the XXXX of XXXX for the amount of XXXX that someone took out of my chime account unauthorized. I contacted my bank in within 1 day I was told that I couldn't receive money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent accounts continue to appear on my credit report. Upon discovering this fraudulent account, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the accounts remains on my credit report, causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into this matter and immediately remove these fraudulent accounts from my credit report. The continued presence of these fraudulent accounts are unwarranted and damaging to my credit standing. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX. Upon arrival, I went as a walk-in and spoke with the salesperson by the name of XXXX. Went through the process of picking the vehicle and test drive and filled out the paperwork. The vehicle that I chose is the XXXX XXXX XXXX XXXXXXXX with XXXX Package. Stock : XXXX VIN : XXXX. I informed the salesman that I was there to make a consumer credit transaction and that I was putting XXXX dollars down as it wasn't required to do so because my transaction was a CCT consumer credit transaction I also informed the gentleman that I was well aware that I am the original creditor, and I shouldn't be denied and an extension of my own credit because I'm providing my Social Security number and my name. 
After filling out the paperwork, I asked him to submit it to the banks he did so and came back with a denial. I asked him politely to please give me the number phone number of the underwriter who denied my application. He said he can not give me the phone number of the person who ran my credit check my credit, ran my name, and denied my extension of credit. He couldn't give me the phone number so I can speak to him and find out why I was denied to perform a consumer credit transaction. I then requested the phone number once again from XXXX again he told me he can not divulge the underwriter 's phone number. I will have to wait for a letter in the mail for 7 to 10 business days which will tell me why I received a denial and that this conversation is over, and we can no longer speak any hung up the phone on me very rudely. It's clearly written that we as the consumer have the right to do consumer credit transactions, perfectly legal, which is what I am trying to do to acquire the vehicle for my family. I have a wife with XXXX kids and I need a family car. 
15 US code 1611 states whoever willfully and knowingly, yes false, or inaccurate information or filter, freight information, is required to disclose under the provision of the subchapter or any regulation is issued under. Also, 15 US code 1681 ( K ) adverse action states the term offer of credit that will be honored if the consumer is determined, based on information in a consumer report on the consumer to meet specific criteria, used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 
fraudulent inquiries on Equfax credit report. 

XXXX XXXXXXXX from XX/XX/XXXX XXXX  XXXX XXXX  XXXX from XX/XX/XXXX XXXX XXXX XXXX   XXXX  XXXX from XX/XX/XXXX this was on all 3 reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  which is located on XXXX XXXX XXXX has never once reached out to me. I went into the office on XX/XX/2023 still recovering from XXXX. I was spoken to in a very ugly way and also the lady asked what was I paying on my debt today. I explained to her that she has no right to speak to me in that tone or manner because Im clearly trying to understand why shes bring irate when I have no debt with this place. This particular blonde hair lady went on to say she doesnt work for me but the ( meadows ) which is a slum area owned by former slumlords. Most people like myself who know they arent lying wouldnt waste their time going into the office to clear their name. This blonde haired lady said Im suing you and I told her to go right ahead. Im on social security and I think its sad that they lie on the poor. I would like to sue this company if they dont take this off my report. I understand XXXX XXXX makes money by agencies like these that threaten you but I dont take kindly to threats.