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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

This Debt I supposedly owe, was paid already back in XXXX, My medical bills go through XXXX. I paid the amount of XXXX through XXXX I have the proof it was paid.. XXXX XXXX XXXX and the Dr 's office have no communication. And they kept sending me bills now a debt collector when it was already paid.
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX I sent XXXX sterling to XXXX XXXX via a Citibank account XXXX XXXX XXXXXXXX XXXX XXXX  ). I had been provided the wrong account details ( US $ ) so the transfer was rejected. Since then, I have waited over six weeks for the funds to be returned to my account. 

Citibank have said the funds were returned on the XXXX XXXX, but have not provided confirmation the transaction occurred despite being asked to do so several times. My bank, XXXX have confirmed the funds have not been returned. 

All parties involved are blaming each other and I am left without my money. I feel extremely let down, stressed and XXXX about the situation and each additional call to XXXX XXXX and XXXX provides no further information as to when I will receive the money. ( I can not contact Citibank, the main culprits, directly as I am not their client ).
Product: Money transfer, virtual currency, or money service

I thought I was applying for a loan like companies like XXXX, XXXX, etc. I downloaded app Albert. everything is confusing from there. A savings was set up I think, I realized it was not what I thought, so I have tried to cancel it. Instructions given were confusing, the details were not present in app, I emailed Albert.com and nothing was clear, there was not a live agent available. I want to be totally disconnected from Albert. Albert has yet to give me clear direction to be disconnected.jor cancelled. A note said there would be {$60.00} taken from my bank account. I do not authorize this!
Product: Debt collection

It appears that CREDENCE RESOURCE MANA is trying to collect a debt for XXXX for the amount of {$550.00} this is not my debt and they are still to collect money from me that I do not owe I have repeatedly try to talk to XXXX about this debt and it is repeatedly showing up on my credit report, no one has sent me any notice about this debt yet they will not take it off my credit reports. It appears to return on to my report every so often. This is not my debt I have asked for written validation as to this debt in years past and none was given and it is causing me to not be able to get my credit fixed so I may purchase a home. They are creating a big problem in my financial life.
Product: Debt collection

I didn't open an account on XX/XX/2023 the company XXXX  doesn't exist anymore I sent out a letter to verify this debt is mines the company must provide a contract with me signing on the dated provided This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit card

I applied for a Capital One Venture Card. The disclosure notice stated that the Annual Percentage Rates ( APR ) are 12.9 %, 17.9 % or 22.9 % depending on one 's credit worthiness. I was surprised that I was assigned the 17.9 % APR upon approval and after Capital One ran my credit through XXXX. I had a recent XXXX credit score of XXXX, generally considered excellent. After seeing the rate Capital One provided me I immediately ran a credit check through Experian and I found no potential negatives on my credit report with all accounts are in good standing. I XXXX attempted to inquire with Capital One as to why I would not receive the better rate, and they said that I had agreed to the terms offered, that I should read the terms and they could not provide me any further assistance. In fact, I believe their application provides a range of APR 's until the applicant submits the application and then the applicant discovers what rate Capital One has granted the applicant. It is quite possible that Capital One has a standard that I did not reach with regard to credit worthiness. Unfortunately, I can not help but wonder who does qualify for the lower rate they advertise. With excellent credit, I would like to know why I did not qualify for the lower rate. If Capital One has a very narrow qualifying criteria for the lower rate, they should disclose what score is necessary to obtain the low rate or not advertise the lower rate. Generally, I believe Capital One should also be more transparent and forthcoming with what their standards are for interest rates for applicants.
Product: Checking or savings account

I received a post card datedXXXX stating acct. ending XXXX from Truist bank was overdrawn by { XXXX } .The acct had been overdraft for more the XXXX. When I received post card I immediately went to Truist bank to let the bank know that someone had committed fraud. On XXXX went to bank to no avail. Then went to XXXX police to file a report # XXXX. 
After police report I returned to bank and the bank was receptive at that point. Truist bank then gave me an account statement. Someone had used my name, address and ss # to open a checking and savings acct. there. the opened the acct. online. 

The email of bank representative : XXXX email of person committing fraud : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am having a problem accessing my credit information. In the XXXX 's after I retired from the XXXX the VA had SSN numbers compromised because an employee took SSN data home and it somehow got compromised, So at the time all 3 credit agencies ( XXXX, Transunion and XXXX ) sent me letters with permanent PIN numbers that I could use to access my account. Now none will honor any PIN number and my address has changed many times through the years especially during COVID. So now when I try to log-on I do not know what address they have on file for me so consequently the online question identity process always ends with information not matching what they have. I would go there in person with my passport but they do not allow that. Consequently I can not get into my own credit file. I am financially stable and do not need to get any loans and I have diligently paid off all my credit cards and always have had a score over XXXX. But now I learned that one card ( XXXX XXXX ) has lowered my credit score by about XXXX points. That is unheard of for me and I want to know why or what happened but I can not find out because i am essentially locked out from accessing my credit information with each of the three agencies. And the other problem is that my other bank still shows my credit score at exceptional XXXX. I worry about that XXXX point drop from XXXX XXXX and I don't know why it happened, Maybe someone has stolen my identity or applied for some account in my name? I have no way of finding out! When I do my taxes I sign up for credit monitoring with Turbo tax but I hear nothing from them either. I need to know what is going on instead of helplessly standing by while my credit is damaged for who knows what reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>, XX/XX/year>, XX/XX/year> were disputed I am writing to request your assistance in resolving fraudulent accounts and inaccurate information on my credit report. Recently, my wallet was stolen, and as a result, my personal information has been misused to open fraudulent accounts that do not belong to me. Given that I am currently in the process of buying a home, it has become crucial to rectify these inaccuracies and ensure that my credit report reflects accurate and reliable information.I kindly request that the Consumer Financial Protection Bureau investigate these fraudulent accounts on my credit report. I believe that upon thorough investigation, it will become evident that these accounts are a result of identity theft. Therefore, I respectfully request the removal of these fraudulent accounts from my credit report, as they are negatively impacting my ability to secure a home loan and move forward with the home-buying process. I hope I am doing this correctly. If not i am taking a calculated risk with hopes of creating a great and lasting change in not only my life but also my XXXX children who don't deserve to struggle on my behalf.
Product: Checking or savings account

A person owns me some money and she paid me with a check, I deposit that check in my Bank of America saving account but the check bounced ... In XX/XX/XXXX Bank of America decid to close my saving account and they do not refund my balance of {$2000.00} Back in XX/XX/XXXXI was fraud victim and I think they are relating and retaliate agains me because of the bounced check ... it is unfair, I been customer for more than 11 years and I never have problem and I done nothing wrong ... They ban me for 5 years from their institution and they make feel like criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been tiring disputing these fraudulent items on my XXXX XXXX since the XXXX XXXX have never even cared about my disputes. I have been disputing the fraudulent items from my Credit Report for a long time while informing them that I am a victim of Identity Theft. The last letter I sent to the Credit Bureaus was on XX/XX/2022, urging the Credit Bureaus to remove these items that were opened due to the theft of my Identity. It is also as clear as daylight that the Credit Bureaus have been negligence of the FCRA section 605b and continued reporting unverified and fraudulent information on my XXXX XXXX! Is it that troublesome for the Credit Bureaus to take a look and investigate my XXXX XXXX? Despite the multiple written requests for them to investigate and remove these items, they have done nothing to correct my Credit Report! How many letters do I have to send to the Credit Bureaus for them to actually do their job? Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. The following accounts and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately : XXXX XXXX XXXX XXXX Balance {$11000.00} ; XXXX XXXX XXXX  XXXXX Balance {$3300.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my XXXX  written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided 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.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US XXXX tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XXXXBalance : {$800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a IRS tax refund on XXXX for {$8800.00} ; plus {$470.00} for my boyfriend 's tax refund as well as our regular paychecks on XX/XX/24 ( which gets deposited for both of us every 2 weeks ). Everything was fine but then on XXXX ( one day after the refund was given ) my ENTIRE account was emptied out without consent or notification. They withdrew all the money out of my checkings and savings account in the total amount of {$8900.00} and even charged a {$55.00} " legal fee ''. I HAD NO IDEA THIS WAS HAPPENING MY BANK DIDNT CONTACT ME OR THE LAW FIRM THAT GARNISHED ALL MY MONEY. I called XXXX XXXX and they basically told me this is a legal matter and gave me the number to the law firm Zwicker and Associates at XXXX office XXXX and wouldnt let me speak to the legal department or fraud department. They told me that this firm has money and that I have to call them and left me high and dry. So this morning I have been trying to get in contact with this law firm ( which has legal action against me without any notification by phone, email or mail- this account with XXXX is over 10 years old and they have NEVER contacted me or garnished any of my paychecks before. I called them and spoke with several different offices and kept being referred back to the XXXX ( XXXX XXXX ) BUT NO ONE PICKS UP THE PHONE THERE- it says the extension XXXX does not subscribe to this service when you try to get to an operator it says the number can not be reached from this service and hangs up. SO at this point, I have NO IDEA WHO TOOK MY MONEY OUT OF MY ACCOUNT OR WHY- this debt. with XXXX is over 10 years old and they don't even have the correct information on me which is probably why I never received anything and they ZEROED out my account to the last penny!!! My bank just let this all happen- did not contact me as well. When I called, 2 agents told me I gave consent for this ( which I definitely did NOT because I didn't even know this was happening never recieved any documentation from the law firm or bank NOTHING ) So at this point I have no money and no way to get it back. I just had a baby and that was what the tax refund was for and now it is all completely gone and XXXX XXXX let it happen!! Also the debt with XXXX was way less than they took from my account by over XXXX dollars!!! They left me with completely nothing and isn't it required by law that they leave at least 25 % of your wages in your account when garnishing ( if this was even legal )? I tried to explain this to the bank and they said that they can take my money without my consent and that they now have your money so call them! Which is why I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXXXXXX XXXX account # XXXX and XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681s2 - 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, credit repair services, or other personal consumer reports

Since XX/XX/XXXX-XX/XX/XXXX I've sent 4 separate letters to each credit bureau XXXX, XXXX, and Equifax asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.
Product: Money transfer, virtual currency, or money service

I completed a wire transfer of {$9900.00} on XX/XX/XXXX to Coinbase. I then exchanged the funds for Bitcoin. I then submitted an ACH transfer of {$2000.00} to Coinbase from my bank account. On XX/XX/XXXX the exchanged bitcoin was requested for withdraw to my personal wallet. 

Coinbase would not process the withdraw and asked for my ID. I submitted my ID. They did not process my transaction. They requested my ID. I submitted my ID. They did not process my transaction. They requested my ID and a Selfie. I submitted my ID and a Selfie. They did not process my transaction. They froze my account. 

I have since been completely shut out of my account with no support provided. They tell me to upload my ID, selfie and a handwritten note all in one picture with all legible and in view while also taking the picture yourself at the same time. Despite this completely ridiculous requirement for someone with only 2 hands, I submitted the requested photo in compliance with the request. 

They did not unlock my account. 

They requested the same exact thing again. 

I did it yet again, and successfully uploaded it to the link provided. 

They did not unlock my account.