23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 ) ( 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 repeatedly requested in writing that TransUnion remove XXXXXXXX XXXX XXXX XXXXXXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
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. 

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 XXXX XXXX XXXXhas 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 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 ) ( 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.

in accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a { {$1000.00} } fine. Note that a copy will also be sent to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX, But bureau reported that I have many addresses like XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting a charged off account on my credit report that should not be there. The account was charged off on XX/XX/2020 and on XXXX XXXX the account was placed with a collection agency called XXXX XXXX. Now capital one and XXXX XXXX are both reporting the same account twice with is against the law. You can not report the same account with the same balance twice on the report. Capital One needs to remove this account asap as they sold it already to XXXX XXXX. 

My obligation is to work with them alone on this and not Capital One. Capital One needs to delete this trade line from all 3 bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting deceptive business practices in regards to viewing mortgage loan rates/offers on Lending Tree. 

On XX/XX/2020 I used Lending Tree to check current mortgage loan rates. Their website clearly stated " Don't worry, this loan request will not affect your credit score. '' immediately below their " View my offers '' button. ( See attached screenshot. ) On XX/XX/2020 a hard pull was made on my credit and my credit score went down by 6 points. I contacted Lending Tree via their website. Their reply was a wall of legal jargon. According to them, their fine print contradicts what is clearly stated just below the button that is used to submit your request on their website. 

It is extremely deceptive to clearly state " Don't worry, this loan request will not affect your credit score. '' and then have no intention of making this the case and apparently have other contradictory language buried in fine print and legal mumbo jumbo. 

Their intention is to obfuscate what they are actually doing in regards to whether the credit pull is a hard pull or a soft pull. Without the statement " Don't worry, this loan request will not affect your credit score. '' I would not have clicked the button above it to initiate use of this service to check on current mortgage rates. I did not want to have a hard pull on my credit, which always has an affect on your credit score and stays on your credit report for 2 years. Very deceptive company practice.
Product: Credit reporting or other personal consumer reports

I took out an installment loan from Affirm Inc, but it was later charged off with a balance of {$XXXX} in XX/XX/year>. The charged-off status has been reported on my credit file for XXXX and XXXX. Even though it was charged off, it was sent to XXXX XXXX debt collection agency. XXXX XXXX offered a discount if I paid the balance in full, which I did on XX/XX/year>. They sent an email confirming that " this payment resolves your balance with Affirm , Inc . Provided that any payment you made is not returned unpaid, we will report to Affirm , Inc. that this account is resolved and no further attempts will be made to collect on your account. '' Despite disputing this account with XXXX, Affirm has stated that the account balance is still {$XXXX} and the account is open.
Product: Debt collection

I have reached out to this company to send validation and verification of charges in my credit report. I received a bill from a company with a different. I have been sued by XXXX XXXX and only paid as I feared what further damage this company would do to my credit. I feel this was done as a retaliation as I have began to take a closer look at my credit report and dispute inaccurate items. I do n't have a contract or any type of agreement with this company. This company has reached out to my parents and disclosed my personal information as well as mailed letters to their address. I have never given them any information for my parents. I fear that because if this complaint they will try to sue me again. I am in fear they may send something to my job which could cause impact on my career.
Product: Prepaid card

IN XX/XX/XXXX, I filed my tax for XXXX asking for the rebate, and The IRS said They don't owe me I don't owe them a letter XXXX. They send the XXXX $ to Netspend on XXXX XXXX, XXXX I called Netspend to tell them that I did not receive the XXXX $ I called Netspend after 3 days on XX/XX/XXXX, and they told me to file a dispute i told them that ok to transfer me to a dispute l explained everything they told to give them XXXX business days but mid time they going to send me some paper on the mail in XXXX On XX/XX/XXXX I called back and they told me to call again on XX/XX/XXXX I called that day and stayed on the phone for XXXX hours they kept saying to call back I asked them to transfer me to a supervisor they held the phone for over XXXX minutes no pick I hang up next day I call they can't find my claim for longtime they transfer me to dispute channel. They told me there was no error from Netspend I transferred the XXXX to my card I said I did not and did not know XXXX was at Netspend and I did not know how to transfer I did not receive any notification for the XXXX any funds I received from Netspend, you guys send me a notification and help me load to mine. I did not transfer the XXXX I did not know it was a deposit Netspend sent me XXXX ago a statement to show me how I spent the XXXX and the statement was fake it was my tax money on the statement and it was altogether my tax XXXX $ The card ending in XXXX Netspend over the phone helped in XX/XX/XXXX. Netspend helped me over the phone load XXXX after I received a notification from Netspend.on the card ending XXXX there never be XXXX transfer on my card. 
Pls I did not receive it I need help Thank you
Product: Money transfer, virtual currency, or money service

Hi, I have transferred an amount of XXXXXXXX to my Coinbase account. However, I did use my wrong bank account for this ( not linked to my Coinbase account ). I used another SEPA bank account instead of my linked SEPA bank account. The amount of money that I did send has not been added to my Coinbase account. 

Afterwards, when I did find out about the NOT linked SEPA bank account, I eventually tried to link this specific SEPA bank account to the Coinbase account, by transferring an amount of XXXX XXXX again to Coinbase. This by hoping the initial transfer of EXXXX was going to be accepted in the end. 

Nothing happened and I start to create a case on Coinbase support. A support employee, named " XXXX '' responded initially on XX/XX/XXXX by looking into this transaction of EXXXX from the wrong NOT linked SEPA bank account. XXXX from Coinbase did reply afterwards that the issue has been investigated and acknowledged and a so-called specialist is going to address is properly. Support will contact me personally to follow-up with me as soon as they did have an update. 

This was the last reply I did get personally from support. 
However on XX/XX/XXXX I did receive an automated e-mail from Coinbase that the wrong payment of XXXXXXXX is going to be reversed to my local SEPA bank account ( sending bank ) within 1-2 business days. Afterwards I did receive on XX/XX/XXXX a second automated e-mail from Coinbase that the OTHER wrong payment of XXXXXXXX is going to be reversed to that very same local SEPA bank account. On XX/XX/XXXX ONLY the EXXXX did hit my local bank account ( and was successfully returned ). The EXXXX never was reversed. 

The EXXXX is now missing whereas I was in the assumption that this payment was going to be reversed as well. This never did happen and they are still holding my XXXXXXXX illegally. 

Starting from XX/XX/XXXX, support is NOT reacting anymore / replying my e-mails, while they should either respond what is going to happen to fix/address this issue. Also on XXXX forum they seem not to reply anymore on these cases. 

See XXXX XXXX XXXX for more information about the problems with this company. 

Thanks and best regards.
Product: Debt collection

My brother stole my identity to co sign a car for my step daughter. Without my knowledge. 
My brother is a thief and career criminal, please help This complaint is tied in with XXXX XXXX XXXX
Product: Checking or savings account

In XXXX I opened a XXXX XXXX account, which was advertised with a high interest rate. In XXXX Capital One replaced the XXXX XXXX account with the XXXX XXXX XXXX account, with the same terms and conditions, but with a higher interest rate. It was my understanding that the XXXX XXXX account was simply changing its name to XXXX XXXX XXXX. I was never informed that these were two distinct accounts. On XX/XX/XXXX, I discovered that my XXXX XXXX account interest rate was drastically lower than the new XXXX XXXX XXXX account. It had been my understanding that I was continually receiving an interest rate of 3.7 %. I discovered the XXXX XXXX account rate is currently 0.8 %. I have been cheated of a rate I believed I had been receiving since XXXX. Because of Capital One deceptive financial practices, I have lost thousands of dollars in interest on money I allowed Capital One to hold on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have wrong information on my credit report i have only1 XXXX auto loan and i see 3 XXXX  auto loan on my credit report and lots of wrong information i call and talk to credit bureau manager and i tell her every thing on my credit report is wrong she said i can hear you but she dont do anything about it all she said you can file complain about  the XXXX XXXX  this will make my credit lower lower it was XXXX went down to XXXX i am tryin g to raise my credit score i am trying to raise my credit score
Product: Mortgage

Seterus has been padding my escrow account & illegally adding thousands to my mortgage. Unbeknown to me until the last couple of years I had been paying their legal fees & other unwarranted fees since XX/XX/XXXX. The bank servicer has been changed to Mr. Cooper this year & they are continuing Seterus theft. I'm sending an amortization print out with what should be balance of an overly inflated mortgage amount. My mortgage amount in XX/XX/XXXX was XXXX until they started their fictional foreclosure. I've reported this to many agencies who do nothing except tell me to get a lawyer. Unfortunately there is no such thing as pro bono & I'm a senior citizen with very limited funds & health issues. Maybe you'll be able to do what you advertise & actually straighten this out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX | DOB:XX/XX/XXXXXX/XX/year> Credit Bureau Subject : Request for Investigation and Correction of Credit Report Information. 

Dear Sir/Madam, I am writing to formally dispute the accuracy of specific information in my credit report, as provided under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. After reviewing my credit report, I noticed several discrepancies that I believe are inaccurate, incomplete, or unverifiable. The accounts in question are listed below for your reference : XX/XX/XXXX - XXXX In accordance with the rights granted to me under the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate the accuracy and completeness of all information associated with these accounts. If, after your investigation, the information is found to be inaccurate or unverifiable, I ask that it be promptly removed from my credit report. In addition, I would like to remind you of your responsibility to complete this reinvestigation within 30 days. Should you be unable to verify the accuracy of the information within this timeframe, I expect the immediate removal of these items, as required by law. Moreover, I request that you review the procedures used to report this information in the first place to ensure compliance with the standard of maximum accuracy required under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX
Product: Debt collection

There was a {$500.00} Credit Limit card that was issued by Continental Finance. I never received or used such card. XX/XX/XXXX There is now a balance of over $ XXXX default/collections. My credit score has declined by over XXXX points. 
I have disputed via all 3 credit bureaus ( XXXX and sent certified letters to finance companyboth verified info. ( XX/XX/XXXX ) The info that was provided was not my phone number or email used when applying for credit card. 
The charges show payments to card company In astronomical amounts. 
Please help me because I am not able to receive funding for my business or dental funding because of this discrepancy. 
Its completely ruined my life and livelihood. 
I do not believe my account has been thoroughly investigated by XXXX, XXXX, XXXX, XXXX XXXX, The Bank XXXX XXXX  or XXXX issuing company.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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: Debt collection

I 've never had XXXX. The services were turned on without my knowledge or consent. I 've been fighting about this bill for a long time now. Previous to speaking with ERC I had been dealing with another agency called XXXX XXXX. I told XXXX XXXX that I was disputing the bill, XXXX XXXX deleted the trade line from my credit on XXXX/XXXX/16 but then on XXXX/XXXX/16 I found the account re-reported by another agency, ERC. I called ERC today, XXXX/XXXX/16 and let the rep I spoke to know that I did n't get a first notice, she confirmed they had part of my address incorrect and confirmed will resend me a letter. I do n't need a " balance due '' notice, I need a validation notice showing me where I can dispute this account, and how I can obtain validation of this debt. The rep I spoke to told me that Yes I can dispute this account over the phone and she confirmed that my dispute will be forwarded to XXXX for their review, however she told me that a request for validation must be made in writing. Again, I do n't have a first notice so I 'm unable to do so until I get that. At this point, I am beyond frustrated with XXXX and these collection agencies. This has greatly affected my credit and no one has been able to prove to me that it 's my debt. I do n't understand how/why these agencies can report this to my credit and pursue me for a bill that they can not prove is mine. I 'm going to hire an attorney if XXXX wo n't permanently delete this from my credit and stop billing me for this account.
Product: Debt collection

I spoke with XXXX XXXX and let them know that this debt is not mine. Its fraud and to remove the collection from my account. After reporting to FTC they removed it and now its been sold to IC System Inc. to try and collect. This is the 3rd time Ive had to go through this with XXXX. The collection is being sold after I dispute and then Im inconvenienced to have to go through the exact same steps. How do I avoid this for future reference?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was recently hacked, losing the credit information of millions of Americans to hackers. They published a poorly encrypted website wherein one could check to determine whether their information was compromised. The link was http : //www.equifaxsecurity2017.com/. This link was widely disseminated on news websites, including prominent distributors such as the XXXX XXXX XXXX and XXXX. I accessed this website on XXXX/XXXX/2017 to determine if my data was compromised. The structuring of the site ultimately leads you to a link to click to check for potential compromise of your information. This then leads you to a page where you input your last name and the last six digits of your social security number. Apparently after entering this information, you are told if you are affected, not affected, or are told to come back on a later date. I received the message to return at a later date. Nowhere did it obviously ask me to opt in for any service or waive my right to sue thereby agreeing to arbitration. However, it appears they passively included this information in their terms, which seems to be a deceptive effort to trick consumers to waive their rights. This seems unacceptable to me for several reasons. 1 ) Equifax is at fault for failing to secure consumer credit information that they gather and archive without any assent or consent of the individual 2 ) They failed to disclose this information to consumers in a timely manner 3 ) They published a poorly-protected website seemingly to lure concerned consumers to check if their own data had been compromised rather than reaching out to share this information with affected parties 4 ) They buried a legal protective mechanism in this new site whereby consumers waived their right to sue in order to determine if the information gathered about them without their assent had been compromised. This mechanism was not actively brought to the attention of the consumer as they navigated the site.