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 and inquiries below have violated my Federally protected consumer rights to privacy and confidentiality. Under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX Acct : # XXXX Amount : {$8500.00}XXXX XXXX XXXX Acct : # XXXX Amount : {$400.00}, XXXX XXXX Acct : # XXXX amount : {$300.00}, XXXX XXXX XXXX Acct : # XXXX Amount : {$4400.00}, XXXX XXXX XXXX Acct XXXX # XXXX Amount : {$8900.00}, XXXX XXXX Acct : # XXXX Amount : {$2500.00}, XXXX XXXX Acct : # XXXX Amount : {$170.00}, XXXX XXXXXXXX Acct : # XXXX Amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 623 of the FCRA and Regulation V that a creditors must not furnish, inaccurate information to the CRA these accounts was never investigated to confirm accuracy of the above accounts. After reviewing my credit reports it is fact that under 15 U.S.C. 1681 ( a ). Prohibits the furnishing of inaccurate information.
Product: Credit card or prepaid card

I made a purchase and then I received an item that was not as described. I tried to contact the merchant several times to return it but they did not reply. I escalated this issue to credit card company ( Capital One ) and they did not help me out. They sided with scam merchant. I'm very disappointed by incompetency that I experienced with Capital One. If I don't receive my {$160.00} back, I will escalate this to government official. This has been ongoing issue for months now and they're not helping me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to get this matter resolved. I've submitted my previous complaint with the CFPB & you claim I'm submitting the information for someone else which is just crazy. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BETWEEN  XXXX    XXXX ,2017  THRU  XXXX    XXXX ,2017  I HAVE OVER  XXXX  UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX  Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

XXXX and usaa federal savings bank. Putting a charge that I was refunded for of XXXX $
Product: Checking or savings account

My checking account was POSITIVE when I was accessed below three fee ( s ) which is in my opinion way way too high. The fee was recently increased to {$37.00} from {$30.00}. I sent bank message from my bank account they never got back to me. 

SEE ATTACHMENT XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} COVID-19 pandemic I am currently unemployed along with 40 million other folks, any relief at this time would be greatly appreciated. Thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00} CHLD SUPP XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

I transferred money in my Robinhood account from bank last week. Yesterday I had a family emergency and had to use them funds to travel. Once I tried to withdraw the money on to my debit card, it told me that I could only withdraw to the account i deposited from. I then explained that, that account was frozen because somebody tried taking money out of it earlier that day so I couldnt put it back in there. They made me submit all kinds of documentation proving that both accounts were mine. They just said give them 2/3 days for back office to review but I explained I didnt have that time frame. Now my account is restricted where I showed more documentation but now theyre saying they will reach back out by the XXXX and I cant do anything until they do. This is insane and I just want my money. Im really considering getting a lawyer and suing because I dont know what else to do and this cant be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a dispute with Experian about a collections account now numerous times and they refuse to remove it from credit file. I have attached a copy of a letter sent to a collection account on my file that I dispute. The name is XXXX XXXX XXXX and, the account number # XXXX.
Product: Money transfer, virtual currency, or money service

This is the second complaint I've had to file against Coinbase as their low level support personnel continue to mishandle and ignore my case. Recap : On XX/XX/XXXX, a fork of Bitcoin called XXXX XXXX ( XXXX  ) occurred. Coinbase promised their customers that anyone storing Bitcoin on Coinbase on XX/XX/XXXX would receive the equivalent number of XXXX XXXX when they rolled it out in XX/XX/XXXX. I held XXXX Bitcoin in a custom vault called XXXX on XX/XX/XXXX1. But Coinbase has still not credited my account as promised. They immediately closed my original support ticket with a generic response that had nothing to do with my case. I only got a response to my second support ticket ( Case # XXXX ) after I filed a complaint with CFPB. That response, shockingly, was that XXXX XXXX was not a supported currency on Coinbase! After I insisted it was, the Coinbase rep XXXX responded that they are working on XXXX XXXX XXXX and that I should wait. So I waited. A few weeks later, XXXX said that my XXXX was ready to be withdrawn from my XXXX XXXX XXXX. I logged into Coinbase, but there was no XXXX balance. I told XXXX this. I explained to her what I thought the problem may be : that the XXXX XXXX  that held my Bitcoin on XX/XX/XXXX ( called XXXX ) no longer exists. After the fork, I had moved my XXXX into my regular Coinbase XXXX wallet, and from there, to a desktop wallet. Then I deleted XXXX. I speculated that the XXXX that is owed to me is tied to XXXX and since that vault was deleted after the fork, my XXXX XXXX had nowhere to go. So I explained all this to XXXX, and she responded with " Im working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete. '' So I waited. Then, on XX/XX/XXXX, I got a shocking reply from a different Coinbase rep : they sent me instructions on how to re-link my email address to my Coinbase account. What?! I'm not having an issue with my email!! After explaining my issue in great detail, they have once again bungled my case, and they are no longer responding to my queries. I have not heard anything else from them. This situation has become beyond unprofessional, it is ludicrous. Today, on XX/XX/XXXX, the XXXX owed to me by Coinbase is worth {$5600.00}, no small sum. If this is not rectified immediately I will be initiating litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file with out my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Trans Union is reporting in accurate information on my credit file.
Product: Student loan

I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX XXXX Acct # : XXXX 15 U.S.C. 1681 Section 602 A : States I have a 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 with 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 adverse item of information, other than records 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 cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing in direct response to your letter dated XX/XX/XXXX, which contains numerous false, misleading, and unverifiable claims regarding the closure of my CareCredit account. This letter serves as both a formal rebuttal and a final warning before I proceed with legal action. 

Summary of False Statements in Your Letter : Claim : Payments were returned for insufficient funds. 
Fact : I have official bank statements confirming no returned or dishonored payments on XX/XX/XXXX or XX/XX/XXXX. Your claim is false. 

Claim : You verified this information. 
Fact : There is no legal verification provided. You offer no proof of return codes, NSF rejections, or any correspondence from my bank. This is a violation of 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). 

Claim : XXXX and derogatory reporting are justified. 
Fact : The reporting is fraudulent and has already caused credit damage without any legal basis or due process. Your actions XXXX also violate the Michigan XXXX XXXX XXXX ( MCL XXXX ). 

You Are Now Formally Notified : I have filed a Consumer Protection Complaint with the Michigan Attorney General ( Ref # : XXXX ). 

I will be filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

I am currently preparing a civil complaint against Synchrony Bank for XXXX, defamation of credit, willful FCRA violations, and financial harm. 

My Final Demand : Fully reinstate my CareCredit account ending in XXXX. 

Remove all negative and false credit reporting. 

Provide a written correction within XXXX business days. 

Failure to respond appropriately will result in civil litigation in Michigan XXXX XXXX or XXXX XXXX XXXX, and I will seek actual, statutory, and punitive damages as provided under 15 U.S.C. 1681n and 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX.a medical collection agency, and XXXX XXXX XXXX violated my HIPPA rights by sharing my personal information with the credit bureaus. While XXXX removed the accounts, Equifax and XXXX both refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts on my credit report. Please refer to attachments for details.
Product: Credit reporting or other personal consumer reports

Names incorrect : XXXX XXXX XXXX XXXX XXXX NAME COORRECT : XXXX XXXX XXXX Address incorrect : XXXX XXXX XXXX XXXX, NY XXXX ADDRESS CORRECT : XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX Unauthorized inquiry XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XXXX Delete!! 

Unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquity : XXXX Delete!! 

Unauthorized inquiry XXXX XXXX XXXX  Date of inquity : XXXX Delete!!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear GMFNANCIAL, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that GMFNANCIAL has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information.

I have not provided consent for GMFNANCIAL to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that GMFNANCIAL immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring GMFNANCIAL into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices.

This notice is given in good faith with the expectation that GMFNANCIAL will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 



XXXX XXXX Reported : XX/XX/2019 {$400.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$660.00} XXXX XXXX XXXX Reported : XX/XX/2019{$170.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$1000.00} Grave errorsfalse claims and reportingsI want these accounts removed  immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again  formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company,  seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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
Product: Credit reporting or other personal consumer reports

I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed. 
XXXX XXXX XXXX
Product: Mortgage

I pay all of my taxes and insurance through my US Bank Mortgage. I received notification from XXXX Country that my supplemental tax bill was delinquent. I called US Bank Mortgage to inquire about why it was delinquent. They said their tax team would investigate and they would pay for the delinquency charges. 

Two weeks later they sent me a letter saying I had to pay those supplemental taxes myself and that they had no way to know about those supplemental taxes. This is not true. They could done their due diligence and gone on the county website to find the taxes due on my home before dispersing any payment. They chose not to do this. 

When I received the letter ( XX/XX/2017 ) I called them again to reiterate my previous conversation with a Rep, XXXX, who said they would pay for the delinquency. I also called to ensure they would pay the amount due, minus the delinquency, from my escrow account. They said they would review my conversation with XXXX and get back to me with a resolution within 24-48 hours. They also stated that I needed to write a letter to have the supplemental taxes paid from my escrow account. I then wrote this letter while I waited for my account to be reviewed. In the letter, I very specifically stated that I do only authorized the payment of the base amount to come from my escrow account and not the delinquency amount. They completely disregarded my instruction and paid the delinquency from my escrow account along with the base amount. 

They also said they sent a letter when they first bought my mortgage in XX/XX/XXXX that stated I was responsible for supplemental taxes. I NEVER RECEIVED THIS LETTER! 

A week later ( XX/XX/2017 ) I still had not heard back about the call review. I called to inquire. They said they reviewed the call and that they still will not pay the delinquency and refused to give me access to the recorded call without an affidavit from a lawyer. 

Every rep at US Bank has been very difficult to deal with and no information is consistent from rep to rep. US Bank Mortgage is responsible for paying the taxes on my property as I make monthly payments into my escrow account for this purpose. Yet, they will not take responsibility for my property taxes and making sure they are paid on time. They also will not honor the words of their representatives nor do they look out for the best interest of the mortgage. They do everything they can to reduce their responsibility and put responsibility back on the customer. I am very dissatisfied with their business practices and believe them to be unlawful.