23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXXXXXX XXXX  XXXX # XXXX balance {$410.00} Account name : XXXX XXXX balance {$1100.00} Account name : XXXX balance {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX has violated my rights. 

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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Freedom of Information Act Request and Loan Transfer Dispute I opened line of credit for furniture purchased at XXXX XXXX on XXXX XXXX with account number : XXXX with XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have paid as agreed and never missed a payment as it was auto drafted from my personal bank account. 

After a year, I see another company, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on my credit report with a different account number XXXX that I confirmed with customer service. 

I disputed the account on Transunion asking to provide a copy of a signed agreement with XXXX XXXX XXXX XXXXXXXX XXXX XXXX with the original account number listed above. I did not sign my name to an agreement with XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX VA, as I have attached the original agreement to this complaint. 

I am writing to formally request information regarding the transfer of a loan account, which I believe has been conducted without my consent. As a concerned borrower, I am seeking clarification and documentation pursuant to the Freedom of Information Act ( FOIA ), 5 U.S.C. 552, regarding the loan account in question. 

As a borrower, I have certain rights and expectations concerning the terms and conditions of my loan agreement, including any transfer of the loan. 

I am making this FOIA request to obtain the following information : 1. Copies of all documents related to the transfer of my loan account, including but not limited to agreements, contracts, and correspondence between the original lender and the receiving bank. 

2. Documentation demonstrating that I provided written consent or authorization for the loan transfer, as required by law and my loan agreement.

3. Any records of notifications sent to me regarding the loan transfer, including the dates of notification and the method used to inform me.

4. Any internal communications, memos, or notes pertaining to my loan transfer within both the original lender 's and receiving bank 's organizations.

5. Any policies, procedures, or guidelines that were followed by the original lender and the receiving bank in facilitating this loan transfer.

I am asserting my right to access this information under the Freedom of Information Act in order to fully understand the circumstances surrounding the transfer of my loan. The FOIA requires a prompt response to such requests, typically within 20 working days. 

If any of the requested information is exempt from disclosure under FOIA, please provide a written explanation outlining the specific exemption ( s ) that apply.

Please acknowledge receipt of this FOIA request in writing and provide a timeline for when I can expect to receive the requested information. Failure to comply with FOIA requirements may result in further legal action. 

I look forward to your prompt attention to this matter and trust that you will provide the requested information in accordance with the law. I have had several disputes with Transunion and I keep having issues with these reporting platforms.
Product: Money transfer, virtual currency, or money service

I have an account at Gemini.com with USD and BTC holdings. I went to withdraw USD and BTC and both have an unexpected error " security hold '' on account. I have had the account since XXXX and have fully verified who I am and where the money is withdrawing to a US bank. 

Error 1 : Sorry the BTC withdrawal can not be completed at this time. Reason : security hold. 

Error 2 : A maximum of {$0.00} can be withdrawn to the account at this time. To remove restrictions you must first withdraw : {$6100.00} to XXXX XXXXXXXX XXXX checking.
Product: Checking or savings account

I opened a money market savings account with Marcus by Goldman Sachs over a year ago and have been depositing money with no issue. This week I had to make two transfers out of account in order to pay taxes and Marcus locked the account. When I called to have the account unlocked, they refused to do so and now I have NO access to over {$80000.00} of MY money. I have called several times, sat on hold for over 30 minutes while they " read the notes on the account ''. Marcus by Goldman Sachs needs to return MY money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. I information has been compromised from someone. 


1 ) XXXX XXXX XXXXXXXX Opened- XX/XX/XXXX ( 4 yrs, 6 mos ) - amount {$1400.00} 2 ) XXXX XXXX opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount- {$660.00}
Product: Debt or credit management

A collection agency by the name of XXXX XXXX  was assigned date XX/XX/XXXX and the first delinquency date was XX/XX/XXXX. XXXX {$230.00}. 
Another collection agency by the name of The Phoenix Recovery Group XXXX XXXX  the edge was assigned on XXXX. Original amount owed was {$1500.00}, now at {$1500.00}, which is an individual and revolving account with last 4 digits being XXXX. Another account with them, assigned XX/XX/XXXX was used for rental and leasing it says the last 4 digits on the account opened on XX/XX/XXXX, are # XXXX with an unpaid amount of {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN IN FEDERAL XXXX FOR OVER 7 YEARS, DURING THE COURSE OF MY XXXX TERM, SOMEONE HAS BEEN USING MY IDENTITY AND PERSONAL INFORMATION TO OBTAIN GOODS AND SERVICES USING MY PERSONAL INFORMATION. THERE ARE MANY FRAUDULENT ACCOUNTS THAT ARE CURRENTLY REPORTING ON MY CREDIT REPORT, I HAVE DISPUTED THEM MANY TIMES AND THE CREDIT BURURES KEEPS REPORTING IT BACK TO ME AS AN ACCURTE AND VERIFIED, THE QUESTION IS HOW ON GODS GREEN EARTH IS IT VERIFIED WHEN AT THE TIME THE ACCOUNTS WERE OPENED I WAS CURRENTLY SERVING A XXXX MONTH XXXX XXXX ... I KEEP ASKING FOR PROOF OF THE DOCUMENTS AND I STILL HAVE NOT RECIVED ANYTHING TILL THIS DAY! ..ALL THESE FRAUDLENT ACCOUNTS ARE LINKED TO FRAUDULENT ADDRESS, FRAUDLENT PHONE NUMBERS, FRAUDLENT EMAIL ADDRESS ETC ETC, NONE OF THERE INFORMATION MATCHES MY INFORMATION EXCEPT MY SS # AND MY D.O.B, I WOULD LOVE TO HAVE THE OPPORTUNITY TO HAVE A FRESH START IN LIFE AND PUT ALL THESE PROBLEMS AND ISSUIES BEHIND ME. 
PLEASE HELP ME RESOLVE THIS ISSIUE. 
THANK YOU. 
XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject Cease and Desist letter XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am writing to formally request that you cease all communication with me regarding the I am writing to formally request that you cease all communication with me regarding the I am writing to formally request that you cease all communication with me regarding the I am writing to formally request that you cease all communication with me regarding the debt associated with XXXX XXXX XXXX XXXX Last reported XX/XX/year> {$1100.00} Open balance Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me about this debt, and I am exercising that right with this letter. 
Please consider this letter as my formal request to cease all communications with me, including but not limited to, phone calls, emails, letters, and any other form of contact. Failure to comply with this request may result in legal action as allowed under the FDCPA. 
Please note that this letter does not acknowledge that I owe this debt or waive any defenses I may have regarding it. Furthermore, this letter does not permit you to report inaccurate information about this debt to any credit reporting agency. 
Thank you for your cooperation in this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 following inquiries were not and should not be reporting.

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX  ) of any sort.

In regards to The company ( XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX Conserve placed collections on my XXXX report for over {$3800.00}. 8i disputed it on XXXX. The dispute is open. I never was contacted by phone by Conserve, no message left on voicemail and no phon conversation. No e-mail was received. No letters ever came in the mail. There is no account on the credit report that reflects what they are trying to collect on. Under FDCPA they have not verified the debt nor that it is mine before placing collections on my report. The company then reported it to XXXX and XXXX. I will be disputing with those agencies too. Conserve should remove their reporting as they have not met their legal obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : DOE XXXX acct no. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively, has violated my rights. 15 USC 1681 section 602 A states : I have the right to privacy. 15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; If XXXX credit bureaus feel there is a XXXX these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I received 2 text messages stating it was city bank then a phone call stating it was Citi bank and to avoid transferring funds through XXXX They would talk me through it with my mobile app. Instead they took {$2500.00}. It happened XX/XX/year>.
Product: Credit card

XX/XX/XXXX on flight XXXX # XXXX my husband and I applied for the XXXX XXXX XXXX card. We were told by the stewardess, the offer was we spend {$1000.00} each within the first 3 months we would each receive XXXX free miles.Over the past few months, we have made several telephone calls to both Citi and XXXX. We were told to wait for the miles to appear on our statements XX/XX/XXXX. Recently, we called were told we are not eligible for the offer as it had changed.
Product: Payday loan, title loan, personal loan, or advance loan

I've received this email dozens of times and I can't unsubscribe from it. : Good morning XXXX, Congratulations! Whether you're looking to boost inventory, cover a bridge loan, expand operations, or manage cash flow, were excited to offer XXXX a pre-approval of {$270000.00} at a competitive 6.9 % rate. Plus, you have the flexibility to prepay at any time. 

The process is simple, and the funds can be in your account as early as today. 

Apply directly on our website to view the full approval- takes less than XXXX minutes. You can mention approval # XXXX. 

Alternatively, you can also call me directly at ( XXXX ) XXXX Best regards, XXXX XXXX | XXXX Phone : ( XXXX ) XXXX
Product: Credit card

Free Spirit World Elite Mastercard managed by Bank of America I signed up for this card over a year ago after the promotions offered on the flight included a companion voucher for {$100.00} and a certain number of points to be issued upon approval. Well, it's been over a year and all I have gotten is continued run around to speak to BOA and then being told by BOA to call Spirit. Over a year and the only thing I have gotten is charged the annual rate for the card. I have been told that I needed to spend {$200.00} more to get the voucher. Spent that - nothing. Called back and told I needed to spend a few hundred more. No problem, winter travel was expensive, so that was met. Still nothing. I have spent the amounts suggested in the time frames suggested and have gotten not a single thing. I want to cancel this card, but I do not want the points deducted from my credit score. My score is over XXXX and I do not want some poor excuse of a company such as Spirit being the reason why my score is lowered. Spirit doesn't honor anything they offer. I have even gotten travel vouchers for delays twice and could not book at all. When I called I was told that the tickets had to be over a certain amount and between certain dates- they were and still nothing. The agent I finally got on the phone mentioned that he could book the flight to use the voucher, but would have to charge {$25.00} or more. Makes no sense. Rewards on cards, companion vouchers, or reward vouchers are all fake with Spirit. I have called several times wasting countless hours only to be told by each company to call the other company. It's horrible as if the left hand literally doesn't know what the right hand is doing. Spirit has not honored any of their promotions and I am over frustrated. I am angry! Thankfully I saw the piece about credit card rewards on XXXX XXXX XXXX. Please help me get my rewards and close this account without consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters, 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 Equifax '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 Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX