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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX military. I received adds to call Freedom Debt Relief promising me an affordable way to repair my credit and gain a better credit score. They made it sound like a debt consolidation loan. I was told I needed to default on my loans in order for them to help me. Additionally they said I would receive this loan in six months time if I followed through with their system and steps. I have been with this company since XXXX oXXXX XXXX. My wife originally started the process when it was Freedom Debt Relief and I stepped in when they moved me to XXXX XXXX XXXX. I recently found out they are the same company. I was paying them almost a XXXX dollars a month for about a year until they moved my loan to XXXX XXXXXXXX XXXXs. I have been paying this new lender for over a year and giving them about {$900.00} a month. Combining all payments of over two years at {$900.00} or more a month! They have falsely reported a bad payment history to my credit report twice and after complaining they remove it. I have a security clearance with the XXXX XXXX. Bad reporting can affect my career. In addition to this my loan has barely been chewed down. I owed XXXX on my debts two years ago and after over {$20000.00} in payments I still owe over {$20000.00}! Something is seriously wrong here! I believe this company is violating the military lending act on so many levels. I tried to retain an attorney and they told me this company has forced me into an arbitration agreement and are charging me excessive fees which to my understanding is two violations of the military lending act. I was told to come to you. The company will not speak to my wife after I have verbally consented as well as produced a letter and power of attorney to them allowing this. I find it strange when she was the one who started this whole process. I dont know who my loan belongs to since this company goes by three different names. In addition to these high interest rates this company has combining fees that bring my rate to over 50 %. I am very concerned that I am throwing my money away on a scam corporation but my credit is critical to my lifestyle so I continue to pay them. As a military member I can not deal or afford this hassle in my life. Please help!!
Product: Checking or savings account

On XX/XX/2018 I initiated a external transfer from an outside bank account. In order to do that they require verification of the account by verifying two small deposits made to the external account. Everything was verified and the account was added. I then initiated the transfer of {$2500.00} and it was successfully deposited into my account. They allowed the transfer after verifying the external account then froze my account stating they need to verify my identity. They told me the only way to verify my identity is through a bank statement for the external account. They wouldn't accept any other documents. No ID no passport or anything else. Just bank statement for the external account. I transferred the money at the direction of my wife because she was closing her account and she didn't want to wait 60 days for XXXX prepaid card to mail a check. Simple bank froze my account and won't allow me to access the funds in the account they won't let me close it out and get my money back. But somehow Simple bank has allowed a transaction from XXXX to happen and they won't fixed the unauthorized charge until I send them a bank statement for the external account which is not available. That account has been closed since the transfer was initiated. I just want to make a transfer to withdraw my funds and close the account. I can verify my identity with a driver 's license and passport as well as have my wife verify that she instructed me to initiate the transfer. I can also provide proof that she is my wife.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violations of Fair Credit Reporting Act ( 15 U.S.C. Sections 1681 ) Dear Sir/Madam, I am writing to file a formal complaint against Accounts/ Creditors listed below concerning their handling and reporting of my credit accounts in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 A, 604 A, and 605 A. 
Charged off XXXX XXXX  Credit Card : # XXXX Charged off XXXX XXXX Department Store Account : # XXXX XXXX XXXX XXXX Credit Card : # XXXX XXXXXXXX XXXX XXXX : # XXXX Despite repeated attempts to resolve issues with the above-mentioned accounts, I have encountered significant challenges in obtaining accurate information and rectifying discrepancies. Specifically, every request I have made to resolve these issues has yielded no results, violating my rights as a consumer under the FCRA. 
I have diligently requested documentation and information pertinent to these accounts, as mandated by the FCRA. However, above-mentioned creditors have failed to provide the necessary documentation or conduct thorough investigations as required by law. 
These actions or lack thereof have had a detrimental impact on my credit report, financial well-being, and rights as a consumer. I have made several attempts to resolve these matters directly with the institutions involved, but to no avail.I respectfully request a thorough investigation into these violations and the appropriate actions to rectify the inaccuracies and discrepancies associated with these accounts, in compliance with the FCRA. 
Your prompt attention to this matter and intervention in ensuring my rights as a consumer are upheld would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I sent multiple dispute letters to your company, but I am still seeing the same inaccurate information on my credit report. According to the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not reporting 100 % accurate information. 

I am attaching copies of all the letters I previously sent. 

You need to remove this inaccurate information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister XXXX XXXX applied for the XXXX XXXX XXXX , XXXX timeshare on XX/XX/19. I was only supposed to be added to the deed since she was the owner and not have a hard pull inquiry on my credit report. They put a mortgage loan in my name without my authorization and consent. It was agreed upon to be in XXXX 's name. When I got home the evening of XX/XX/19 I had received an email that stated a new inquiry was added to my Equifax report from XXXX XXXX XXXX. I specifically told them I DO NOT authorize to have my credit pulled because I DID NOT want a hard inquiry. I was told by the sales rep that we were being recorded and that would not happen. My sister XXXX since rescinded the contract and cancelled the timeshare. I called the company and they refused to remove the hard inquiry from my credit report. This is fraud and I did not authorize them to check my credit file.
Product: Debt or credit management

Started XX/XX/2024 with National Debt Relief. Was given false information since the first phone call. My credit and life has gone downhill since I started this program. Was not told I would be sent to collections. I called today and they are reviewing my phone calls to confirm the misinformation. An absolute scam.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX XXXX  XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX  XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX - Account XXXX XXXX - Account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies and incomplete information on my credit report that require your attention. I am disputing these accounts because your agency has not provided sufficient information to verify the debt. XXXX and XXXX have already corrected these inaccuracy in their records due to an identified error. I am confused as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts on my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

I am disputing the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to rocket mortgage to get a rate quote. They asked for my & my spouse 's SSN and birthdates and pulled a hard credit report without allowing us an alternative. We just wanted to get a rate quote and did not plan to apply for the mortgage yet. This has damaged our credit scores.
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 you 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 block these files. 
XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX  ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$2300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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: Debt collection

This debt is almost is almost 8 - 9 years old. This company called me to say that they have tried to serve me twice and they will try one more time. If they can not serve the papers the third time, they will sue me and it be an automatic judgement against me for the amount plus court costs. They said this will allow them to garnish my wages, seize my assets, and pursue other methods to collect the money. 
I told them that on some of the communications they sent me it mentioned the the debt is to old so they can not sue me. However, the lady on the phone ( XXXX XXXX XXXX ext. XXXX ) said that does not apply to the entire debt, only the settlement offer and that they have no choice but to pursue legal action to garnish my wages and maybe seize my assets. 

They said the company name is XXXX XXXX XXXX based in California. 
Their phone # : XXXXMy case number with them is : XXXX. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted transunion on XXXX to inform them that my credit monitoring alerted me that my account had been accessed. the transunion rep stated she could not remove the inquiries, although i had advised her that there was a fraud alert on my file. 

XXXX XXXX  Miscellaneous XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX Miscellaneous XX/XX/2021 TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX  XX/XX/2021 TransUnion
Product: Money transfer, virtual currency, or money service

Had issues adding funds from my XXXX account which had more than adequate funding. Coinbase, the recipient, had no customer support available. It is a 24/7 operation. 

Coinbase systems had issues recognizing the added account. It was not visible on user screen. The app and web browsers needed to be cleared and rebooted for the new account to appear. Coinbase uses a third party to accept username and password to the bank the client is adding. Coinbase still retains access to this information. 

The issue was submitted to Coinbase support three times. Reference Cases : XXXX, XXXX, and XXXX. 

Coinbase decided to allow 3 transactions in the total amount of {$610.00} and then returned to this client stating that there was a problem retrieving the funds. Today, XX/XX/2021, they removed monies from my account in excess of expected balance in an attempt to recoup funds that they cound not retrieve from XXXX. Monies could not be transferred into their system to balance the account to their wishes as their failed monetary transfer system failed! They have cost me potentially hundreds of dollars, there is no customer support and cryptocurrency is highly volatile. This client account holder has done absolutely nothing wrong. The systems failed to act according to design which is Coinbase 's responsibility. Coinbase owes me {$700.00}!