23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was going through my credit report and noticed this collection on my account thats allegedly mine. Not only do they not have the correct address or email or job but they don't even have the correct name! Then I went further, so many of these dates are invalid or N/A which means they have no information at all linking me to this debt. The dates of last payment and dates of last activity are invalid as stated in the paperwork I have uploaded so being able to age this debt is absolutely impossible! The date closed is also invalid or non existent. Not to mention i request a contract or anything else bearing my signature linking me to this account.. there isn't any! I know my rights as a consumer and FCRA laws. This is defamation of my character and I will be suing for damages if these accounts are not immediately deleted from all credit reports immediately! Also I have included the payment history chart that shows absolutely zero information at all! This company has also filed bankruptcy and been purchased by another company for probably reasons like this! Thank you and please view all evidence uploaded plus I have more if needed, my attorney has all the paperwork and we will be moving forward with litigation if these are not removed immediately. Thank you very much!
Product: Debt collection

Saw on my credit report that there is a collection for {$970.00} but I don't know what it is for since I did not incur this debt. The first collection company said they closed the account and returned the account to their client XXXX XXXX XXXX XXXX XXXX So what does that mean? It is not my debt.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 
I have not been able to get help from them but I just remembered I could file a report on here, as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. 
They are also holding my money too for over 180days, and everyone needs money during this rude period of covid19. 
My email linked to my PayPal is " XXXX '' Thank you so much for your help : )
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores and credit report is not allowing me to purchase a new construction home with my VA Benefits. 
Experian, XXXX and XXXX  are reporting Negative Derogatory items that has been in Charge off XXXX loan and XXXX XXXX XXXX XXXX XXXX. 
Federal Complaints was filed against XXXX and XXXX. 
There is also Unauthorize inquiries on my credit report. 

I can not obtain a VA Loan with the Derogatory remarks on my credit report. 
I have been Discriminated and Retaliated because of filed complaints against financial institutions and Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

We have a credit freeze on our accounts for added security. We needed to unfreeze the account when changing cellphone carriers. Without our request or approval Experian signed us up for so called " memberships '' for " credit alerts '' and notifications. We now get many emails about " new '' credit changes, for example when the balance changes on a credit card. It appears to be impossible to cancel or unsubscribe from this Experian " membership. '' You also get promotional offers. 
If you unsubscribe from the part of Experian they allow you to unsubscribe from you get this message : " You're now unsubscribed, If you change your mind, tap here to customize your preferences so you only receive emails about the stuff youre interested in '' Followed by : " Just a note that youll still get notifications any time your credit or identity info changes, since automatic updates are a part of your membership benefits. '' I need help to get Experian to cancel this " membership '' that I never signed up for. They should not be allowed to force you to receive emails from them without a way to unsubscribe. We do not receive this type of marketing or emails from XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX Creditor is XXXX XXXX XXXX XXXX 
XXXX XXXX Account Number XXXX XXXX XXXX To whom it may concern, I Have been a customer with XXXX XXXX XXXX XXXX, for several years I have never missed a payment on my account, due to Covid 19, I received a call from XXXX XXXX asking me if I would like to take advantage of their hard ship program and reduce my payments from XXXX per month to XXXX per month. I agreed. 

However I was never told that while I am in the hardhip program even though I will be making my reduced payments on time, that the company will be debiting from my account each month. I was never told by the company on that phone call that for the first 3 months my account will still be reported as 30 days late for 3 monthe straight to the 3 consumer credit repoting agencies. I would have never ever agreed to that type of arraingement. I have tried to dispute with the credit agencies along with the company XXXX XXXX and it has not been satified, I really feel that this is not fair. 
My email is XXXX Company address is XXXX XXXX XXXXXXXX XXXX, Ohio XXXX Attention Customer Support XXXX XXXX XXXX Thank You Very Much , XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase will not allow users to access XXXX XXXX tokens that they were entitled to at the time of the fork. Withdrawl transactions are delayed beyond the amount of time it would take an account holder to remove XXXX and redeem XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Account Opened Request for Removal Dear Sir/Madam, I am writing to formally dispute an account that has been reported on my credit report. I have discovered an account opened in my name without my knowledge or authorization. The details of the account in question are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX, XXXX, XXXX Date Opened : unknown I did not authorize the opening of this account and believe it was opened fraudulently, possibly as a result of an identity theft incident or XXXX XXXX breach. I am concerned that my personal information was compromised during an unauthorized event. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any fraudulent account that was opened without my permission or knowledge. As my personal information has been exposed, I request that you immediately investigate this matter and remove the disputed account from my credit report. I did not open these accounts. I have not knowledge of these accounts 15 USC 1681 b. 

Please confirm in writing that this account will be removed as soon as possible and provide me with a copy of the results of your investigation, as required by law. If further documentation or identification is needed to support my dispute, please let me know. 

I also request that you take immediate action to secure my credit and personal data to prevent further unauthorized activities. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this fraudulent account and the necessary updates to my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting

I added my husband as an authorized user on my XXXX rewards card. He is not a signer on the card. I just found out They are reporting it to the credit bureau. I called them and they refuse to remove or change it going forward and insist that they are allowed to do this. My husband signed a form to be added as an authorized user and nowhere on that form does it state that they would report it to his credit. I am the only card holder/signer. This should not be on his credit!
Product: Credit card

Bank of America has wrongfully, maliciously and fraudulently denied insurance for an auto accident rented under compliant terms as expressed by the bank. The subsequent communication has become more and more anfractuous by the bank as they continue to fabricate lies and misrepresentations about the circumstances and their coverage. They have used this wrongful denial and broken representation to leverage negative credit reports for XXXX people, XXXX of whom were not involved whatsoever in the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Therefore, the following companies have have violated my rights. 

XXXX XXXX Original loan amount {$140.00} Account number XXXX XXXX XXXX Account info Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX
Product: Money transfer, virtual currency, or money service

I recently received a new Social Security Number, and I am trying to replace the SSN on my Wise account. I contacted support, but they repeatedly provided me with useless and irrelevant answers, eventually just ignoring me entirely. This is a disappointing experience with Wise.
Product: Checking or savings account

Made a XXXX transaction to get the wrong person and the funds went through and I was charged an overdraft fee. I tried to dispute and or stop the transaction but there was nixwsrmeibf
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite my frequent use of Zelle and multiple reports of discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected. 
I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations.
Product: Checking or savings account

holding my deposit money for no reason. asking for previous banking statements, then requesting my drivers license and wont release my funds.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE AN ERROR AND WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I humbly request the re-activation of my online banking access. I have ended all identity theft worries. 

I need access to {$8000.00} in my business checking account to pay my credit card bill at Bank of America. 

I will not be responsible for the late fees on my credit card because my online access is blocked.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account Name : XXXX. 

Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Money transfer, virtual currency, or money service

Someone hacked my cash app and spent XXXX XXXX on a XXXX product when I found out I reached out to cash app and a BOT not a real person would not help me when I tried calling they disconnected the line they won't help me get the money back so they may as well have stolen themselves as far as in concerned.
Product: Bank account or service

I am trying to deposit to my BoA checking account ( BoA branch XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) for the amount of {$2400.00} ( {$2400.00} cash and {$30.00} in check ) and was told by the bank teller and branch manager ( XXXX XXXX XXXX ) that they would need to see my ID and SS # in order to make the deposit. I told them why they would need my ID and SS # since this is just simple a deposit no withdraw or check cashing and I have included my account deposit slip and they should have all the info they need. They told me this is a new law that BoA enabled recently for all cash deposit. I told them this the first I heard of this and asked for the statute number of the Act and they could not provide me one. I told them by law they would need to either disclose by mail or posted at the facility such as XXXX, CRA, or Fairling Lending Act. I fell that I was targeting, profiling and discriminated against based on my XXXX and XXXX. Please help ...
Product: Debt collection

I have sent them copies of my police report I have tried to challenging it on line through credit reporting companies but they insist that it stays I have asked for validation of debit but have not received a copy of the contract with my signature as stated in texas state law and they are charging more every bill sent to me and with that they are breaking texas state law again charging more than face value of the bill and they have broken the law by purchasing the debit from a vendor or directly from XXXX XXXX they also keep moving the closed date in attempt to keep the file legally active
Product: Credit reporting, credit repair services, or other personal consumer reports

i have over XXXX in credit cards and i have no need to apply for more credit card but i see on my credit that i have over 25 credit inquiry which 90 % of them i have no knowledge off. Due o inaccuracy on my credit file i has led o some of my credit cards being closed because lenders considered me as high risk that i am seeking too many credit which i am only using 3 % of what i have right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. Fraudulent activity had taken place on my report. I place a fraud alert because of this. The following inquiries on my account do not belong to me. 

XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I also have a company reporting on my credit report but it does not belong to me. 

XXXX XXXX from XX/XX/XXXX XX/XX/XXXX
Product: Student loan

I have private loans with Navient. One of my loans has a co-signer, the total balance is {$37000.00}. On XX/XX/XXXX I applied to release my cosigner as I have made 12 consecutive on time payments based on principal and interest ( which is stated on the website in order to apply for release ). Originally they denied the request as my account history shows 3 late fees, which was a mistake on the billing department since I have been on autopay for over a year. On XX/XX/XXXX I was charged the first late fee of {$8.00}, the second late fee was charged on XX/XX/XXXX for {$3.00}. These two late fees were reversed on XX/XX/XXXX and {$12.00} was credited to my account. My account was never late but for some reason there system shows my account associated with late fees. I had several phone conversations with the cosigner release department to explain this and there was nothing they could do to my account and kept shuffling me around to other departments. The second refusal to deny my cosigner release, was due to the fact that they reduced my interest rate to 1 %. When I had called back in XX/XX/XXXX, I had several phone conversations that were recorded by Navient, explaining the rate reduction program and that after making 12 consecutive payments I could have my cosigner released. I spoke with XXXX, the supervisor, in the cosigner release department and showed her my account history which shows I have been making 12 consecutive on time, principal and interest payments. I was never explained to on the phone by reducing my rate that this would effect the cosigner release. XXXX then said she would research and listen to the recorded calls. It took her a few weeks in XXXX and when she got back to me said they could not find the calls. She asked me to email her and she would push it through. on XX/XX/XXXX, I sent an email stating what had happened. I then received a letter in XXXX for the denial, based on not making 12 consecutive on time principal and interest payments on the original interest and a forbearance on another account I have. Neither was explained to us at the time on the recorded calls, which they say they can not find, although they have record of our calls. I have spoken to Navient several times since and they still say they are researching and continue to shuffle my case through the system with no resolution regarding the late fees noted on the account and release of my cosigner.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this afternoon, and Im completely baffled as to how they got there. When I checked my report, as I usually do, I was stunned to see discrepancies that seemed to appear out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. I'm seriously concerned and am requesting a thorough review of the documents I've provided to ensure this never happens again.
Product: Payday loan, title loan, or personal loan

I was discriminated by PenFed for a line of credit. I exercised my rights in good faith and did not receive an adverse action letter. Credit is my right and a credit score is not a requirement for credit to be extended. I have exercised my rights further and have gotten inaccurate information off of my credit report and still the credit reporting agencies are causing me great harm. Penfed and I entered into a consumer credit transaction and I received no benefit from this transaction. The inquiry is proof of this. I received no documentary evidence of who benefited from this transaction and I would like to know who did because it wasn't me, the consumer.