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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$140.00}
Product: Credit reporting

I have been disputing inquiry 's on my credit file with Equifax since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a Equifax representative. The rep told me the only way they inquiry 's could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.
Product: Debt collection

I have NEVER had an account with Resurgents. I have sent several letters asking for proof. They have never sent proof or evidence of my owing them.
Product: Debt collection

Hi I live in XXXX, XXXX. 
I am being called often at work by debt collectors from the XXXX. I never lived there and do not have any debt. 
I repeatedly told them that I am not the person they are looking for but they keep calling again. 
They ask me personal questions such as my date of birth and social insurance number ( they are too stupid to understand I do n't have one in the XXXX ). 
They also contacted the human resources of my company to try to get some information on me. Thankfully they declined. 

Last call came from Expert Global Solutions XXXX. 

How do I make this stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XX/XX/2020 I wrote a letter to Transunion to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.
Product: Money transfer, virtual currency, or money service

COINBASE. last week my ability to buy Digital coijs was shut off. I have been able to buy for over 3 months. When I first reached out to Coinbase I did not get a response. I then sent a second request as to why they disabled my ability to buy to which I recieved a generic response. 
XX/XX/2017 | XXXX PDT XXXX replied : Hello, A manual review has determined that you are not eligible to use the Coinbase platform to purchase digital currency. Were sorry for any inconvenience that this may cause.
We regret that we are not able to supply you with any additional information.
Please note that we have not blocked access to any balance currently in your Coinbase account. While we can no longer process buy orders via our banking relationship, you may withdraw these funds at any time. 

Again, I apologize for any inconvenience this has caused you. 

So they have no real reson but just because ... they did this after asking me to upload my bank records my id and my ssn information ... it is very uppseting to deal with these hassles after complying with all request
Product: Credit reporting

I placed a security freeze on all XXXX of the credit reporting agencies several years ago. I am going to be applying for a loan and so am trying to lift the freeze. Neither XXXX or Experian is recognizing my PIN : I am unable to lift the freeze. There is no recourse to me other than to send my request in writing but I have NO identification that shows my social security number on it ( for obvious reasons ). There is no way to speak with an individual. This must be what it 's like when your identity is stolen and you lose control.
Product: Mortgage

On or, about XX/XX/XXXX I attempted to get my home and decided to go with Gateway Mortagage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Gateway Mortgage Group, a division of Gateway First Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX office ( XXXX ) XXXX mobile ( XXXX ) XXXX fax XXXX And attempted to get a PREQUALIFIED. When that when smoothly. I was assured that my XXXX was {$270000.00}. I then proceeded to go shop for a home for my son and I. Once finding our home I started the process by giving the owners XXXX or, XXXX XXXX of earnest money. After several conversations and several factors that came to light by the end of the month. Primarily my credit score. XXXX XXXX decided it was best to wait til this credit cleared and THEN close on the loan. 
By that time I missed my option period and loss my XXXX due to time constraints. I then received the bad news XX/XX/XXXX that the loan is no longer going to be able to move forward. I feel this shouldnt have been brought up at all. I gave every document with email traffic to prove it. She then proceeded to blame me for my typo when Im fact they have a screeners and safety checks to ensure this doesnt happen. I want my XXXX money back and all I got was I cant. 
As a XXXX I am now without a home and loss what little savings I had for this. Please help me! 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX
Product: Credit reporting

Every time try to check my score on experian freeannaulcredit report.com and things like that they ask me to confirm bogus questions like who I have a loan with I never had a loan in my life like these crazy bank names they ask me about I had checking accounts with XXXX banks in my entire life and that 's XXXX Bank XXXX bank and my current bank I 'm with is XXXX that is it what all these bogus questions?
Product: Credit card or prepaid card

I wanted to return an item from a XXXX seller but they just ignored me! No response on returning this item. Heavy XXXX retrictions casused the purchase items to not be useable. XXXX will not listen to me an refund and or charge back the item I have in dispute! {$330.00} XX/XX/2021 XXXXSynchrony Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a federally protected consumer has recently reviewed my consumer credit file and notices some unauthorized items. I did not give persmission to anyone to furnish or collect debt because pursuant to 18 USC 8 all obligations are of the United States. I am a natural person and its federal law that I should hold you accountable for violating my consumer rights.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX per 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved Thank you XXXX XXXX XXXX
Product: Credit card

I have contacted Concora Credit at XXXX to reset my password for my XXXX XXXX and my Destiny card. I spoke with two reps XXXX and XXXX - both of whom said that I was a liar when I told them that I paid my bill online because my account was made to be mail only last XXXX- which I did not authorize. My payment was made on time last month and XXXX confirmed that it was done on the web page. Then laughed when I asked if I no longer have access online, how did I make that payment??? Needless to say, I can not make my payment on time because they have not sent me a bill in the mail and I can not access my accounts to pay my bill because they are refusing to help. They also lied and said I removed my email address- which is also not accurate. I am filing complaints with The XXXX XXXX XXXX and the division of financial regulation for violating my rights and not allowing me to make my payments on time and for retaliating against me because of previous reporting of fraudulent charges which I believe this is in direct relation to. I want to speak to someone in the office in XXXX, OR that can understand what I am saying.
Product: Credit reporting or other personal consumer reports

Recently, I pulled my credit reports because I want to apply for a mortgage loan. In doing so, I noticed that I have a number of unauthorized accounts listed on my reports. Not only are these accounts unauthorized, but they are inaccurate, incomplete and unverified. I did not give consent to the reporting of these unauthorized accounts and need these accounts removed immediately because they violate my consumer rights and ruin my reputation with the banking system. I don't have any contracts with these creditors that listed these unauthorized items on my reports. THIS IS UNFAIR AND INACCURATE. I need a new home for my family and the inaccurate items on my inaccurate consumer reports is unfair and will ruin my chances at getting a home for my family. I MAILED LETTERS TO TRANSUNION, XXXX, AND XXXX ON XXXX XXXX AND HAVE YET TO HEAR FROM THEM. IT IS NOW XXXX XXXX WHICH IS LONGER THAN 30 DAYS. YOU MUST DELETE AND REMOVE THE DISPUTED ITEMS IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my complaints # XXXX, XXXX, and XXXX that I submitted on XX/XX/XXXX was closed when I checked it. 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 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. XXXXXXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my XXXX? XXXX XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Debt collection

Received an letter from Collection Bureau of Ft. Walton Beach Inc ( collection agency ) asking to complete medical release form. To my knowledge, I think that's a HIPPA violation and the collection agency should not have access to my medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

In XX/XX/XXXX of 2015, I received a preapproval from Prospect Mortgage as I hoped to purchase a single family home to live in. I complied with everything asked of me and provided all necessary documentation as requested. I was ready to close on the house when the loan officer I had been working on sent me additional questions to answer. One of these questions was- would my boyfriend be moving into the home with me? I found that question to be rude, disrespectful, and even a form of XXXX profiling. As a XXXX XXXX XXXX XXXX woman who is a professional, why would they assume that my moral standards were such that I would be shacking up with a boyfriend in my home? Furthermore, why would it even matter if I was pre-approved based on my income and credit. Ultimately, the loan was denied and even my loan officer indicated that he could not understand why since I met all of the criteria. He indicated that the individual in charge of making that final decision, XXXX XXXX would n't let the loan go through although there was no good reason. I lost money in this after having paid for attorney fees and inspections and even some minor reparations to the property so that it would pass the fha inspection. Asking if my boyfriend is going to move in with me when I had never discussed or made mention of a boyfriend seems demeaning and should be considered an illegal question in the mortgage lending industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud.   I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fradulent Accounts would be removed. On XXXX I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the accounts when XXXX and XXXX stated that the accounts were REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the accounts were Fraudlently opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number is XXXX on my experian credit report theirs is 2 negative items that are charged off they supported to be removed due to fraud I have a federal trade commission identity theft report on file normally they remove it in 24 hours and the othe issue I have four hard inquiries that are fraud please have experian remove those items
Product: Checking or savings account

Marcus / Goldmans Sach closed my account because they suspected fraud. After verifying my information, they still closed my account. The investigation took several weeks to resolve and I didn't have access to my money XXXX + During the time that I didn't have access to my money, interest was never paid out when the balance was sent to me
Product: Credit card or prepaid card

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, no later then 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in Violation! 
Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

Equifax continues to report false information to my reports. even after several disputes and complaints they have not provided me with any verification of accounts reporting- there are several things - I am filing a law suit next because this is getting out of hand
Product: Student loan

Never received settlements from courts ruling.Navient lawsuitsXXXX XXXX filled XX/XX/17 XXXX XXXX Documents 1 filled XX/XX/17 pages 11of 66.My email is XXXXVery troubling.and hardships from day one. Also XXXX XXXX garnished my check knowing it was wrong.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX and I seem to be having an issue with Synchrony Bank. See I have 2 accounts with this bank. One is a Care credit card which the bank dropped my credit limit from XXXX to just {$100.00} without notice. When I request to have the card close since I don't have a balance and the card was paid off 2 years ago. The bank customer service department tried to use every excuse possible. To prevent me from closing the card. Is that even legal? Also, I have a second card with Synchrony bank, an Ashley 's furniture card. Which the bank close again without prior notice with an outstanding balance. When I attempted to settle the account for half of the balance. I was decline, again by their customer service rep. I really do believe that your bureau along with the US government need to look into the business practices of this bank. I've also forwarded a copy of this letter to my state 's senator office. So that they can take a look into this bank 's business practices. Even during hard times this bank is not willing to work with their customers. Instead, you are bombarded with weird captions demanding payment. Which goes against their core values of Synchrony Bank? The last time I formed a complaint against this bank with your bureau. The rep response was very rude and rigid. In other words, she wasn't willing to work something out with me to resolve the issue. This is by far the worst bank in the US, and base on their business practices. I can foresee Synchrony bank shutting down or filing for bankruptcy before the end of the year.