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

im so upset there are address i never lived at on my transuion credit report that i never lived at i have tried to call there XXXX number with no help there are also thing on there that i did not do on my cards like XXXX XXXX XXXX XXXXr XXXX XXXX woman with in XXXX and few others i have lived at XXXX while XXXX XXXX some of these things have happend i am on XXXX and there is no way i can aford these bills why should i have to pay for something i didnt do thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws that have directly impacted my credit and my rights as a consumer. These are the specific issues : Failure to Verify Accuracy The agency accepted and reported incorrect credit information about me without verifying its accuracy, which violates FCRA Section 616. This willful noncompliance carries civil liability of up to {$1000.00} per violation. 

Lack of Disclosure of Opt-Out Rights I was not informed of my right to opt out of sharing my personal information, which is required under FCRA Section 603 ( d ) ( 2 ) ( A ). This omission is deceptive and disregards my rights. 

Inaccurate Reporting Inquiries and accounts were added to my credit report without proper validation, violating FCRA Section 623 ( a ) ( 3 ). This has led to inaccuracies that harm my credit.

Unfair Debt Collection Practices Debt collectors reported inaccurate debts and accounts without my consent, causing me unnecessary distress and unwanted contact from creditors, in clear violation of the Debt Collection Practices Act. 

Unauthorized Disclosure of Information My personal and financial information was shared with third-party credit reporting agencies without my authorization, violating debt collection and privacy laws.

Misleading Late Payment Reporting Late payments were reported on my credit report without defining what qualifies as " late. '' This is both deceptive and inaccurate, failing to meet the standards set by FCRA Section 1681e ( b ). 

Errors in Finance Charges The agency failed to determine finance charges accurately, which is a responsibility they are legally required to fulfill. 

Reporting Without My Consent Information was included on my credit report without my written consent, violating the permissible purposes outlined in FCRA Section 604 ( 15 U.S.C. 1681b ). 

These violations have caused me significant distress, damaged my creditworthiness, and violated my rights as a consumer. I have taken steps to dispute these inaccuracies and demand that the agency take immediate corrective actions, including updating or removing specific accounts and inquiries. If these issues are not addressed promptly, I will have no choice but to pursue legal remedies as provided under the FCRA.
Product: Mortgage

I was told I could refinance my house for a lower rate. I was going through a separation and was in school so this was perfect. This dragged on for a yearthe loan modification. I got e action notices from the sheriff on my door. I moved. A week later the bank told me the paper work went through and I was approved. I said I wished I had know. I just moved. They said I was no longer eligible to refinance since I had moved and my house would be foreclosed. I feel so stupid and taken advantage of. I lost the money I invested in the new windows and plumbing and I lost my home and equity. 12years later I am still struggling to enter the housing market. This was extremely shady practice. This occurred in 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honda Financial reported to the credit bureau that my payment to them was more than 30 days late when it wasnt. I have sent them bank statements and screen shots of the payments I screen shots of the information provided to me be their system for my account. They have not made any attempts to call or email me back. I have spent hours on the phone with Honda Financial requesting to speak with a supervisor. I keep getting told they will have a supervisor call me back but I have yet to be called by one. My first call to Honda Financial was on XXXX and I have called many times since to try and get this resolved. I have never missed a payment with them in the past. I really need the late payment remark removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to submit a claim of unauthorized inquiries listed on my credit report. These inquiries, which I do not recognize or consent to, are causing harm to my creditworthiness and impacting my livelihood.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a consumers credit report is accurate and authorized ( 15 U.S.C. 1681b ). The presence of these inquiries violates my rights as a consumer, as I did not provide consent or authorization for them.

Unauthorized inquiries negatively affect my credit score and financial opportunities. If you can not verify that these inquiries were authorized, they must be removed from my credit report as required under the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).
Product: Credit reporting or other personal consumer reports

A company called Carter Young Inc called me stating that I owe them money. Ive never heard of the company but its on my credit report and ive never dealt with them before and they have tried to collect a debt that Im completely unaware of.
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 customers, right to privacy and confidentially under 15 USC 1681. 

1 ) XXXX XXXX XXXX XXXX  2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ) XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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, credit repair services, or other personal consumer reports

Experian continues to report a bankruptcy that has been deleted by XXXX and XXXX after investigating and concluding that the public record is not mine. 

See attached documents
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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. 

( 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.
Product: Money transfer, virtual currency, or money service

- My password did n't work on coinbase so I clicked 'Forgot Password ' - It send you to a page and says, " enter your email and we will send an email with recovery steps. 
- This is what I get : For security reasons, we are unable to reset your password. Please request a password reset from a browser or device you have previously used to access Coinbase. 
- I did use my device. So it sends me in a loop - So there is no way to reach them and they have XXXX of my money. This is insane! 

Here is what they say below and when you use the contact @ coinbase, you get an email that says The XXXXXXXXXXXX email address is no longer monitored. 
XXXX For more information on why this is necessary, please see our help doc. 

If you did not request your password to be reset or you are unable to reset your password from a previously used device, please contact XXXXXXXXXXXX. 


Re : Why are you not responding to me after 9 days. Please help! 

Coinbase XXXX XXXX XXXX, XXXX XXXX PDT The XXXXXXXXXXXX email address is no longer monitored. 

The Coinbase Support team will ONLY be able to respond if you submit a request via our support portal : XXXX XXXX XXXX  Please use the email address that you use to log in to Coinbase, select the appropriate category, and include as much detail as possible when submitting your request.
Product: Checking or savings account

Around maybe two months ago I opened an account with USAA and deposited my first check. Waited the usual 7 business days and got kicked out of my account. Called them about it they said theyre exercising their right not to do business with me and told me I would get a check in the mail in 60 days. So I waited, nothing came so I called back. Except they told me the same thing and there was no check being sent and refused to give me any information. So I let it go then I get an email a few weeks later about the account, so I called. They told me theyre was some information missing and since I turnt XXXX recently they asked me to send in my id so I did. And they told me to wait so I did. Then I called again they had me send it in again I called again and now theyre saying they cant verify me bc my number is changed, yet I have the same email and have gotten codes sent to my email on multiple occasions. Tbh at this point Im giving up, that was my first pay check from XXXX and it was only a measly {$280.00} I just wanted my money back. But hopefully this review will keep some from making the mistake I did by not banking with USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTSARE NOT MINE. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THE FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. MY LEGAL NAME IS- XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX. PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESS YOU HAVE ON FILE FOR ME.- XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX. MY PHONE NUMBER- ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHERS PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT.- ( XXXX ) XXXX, ( XXXX ) XXXX XXXX. PLEASE REMOVE THE FOLLOWING EMPLOYERS AND ANY OTHER EMPLOYERS THAT ARE NOT LISTED.XXXX XXXX LEARNIN. MY SOCIAL SECURITY NUMBER IS- XXXX. PLEASE REMOVE ALL OTHER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  Experian XXXX To whom it may concern this is my final warning before I take legal actions. Ive won a lawsuit against your company in the past for placing incorrect information on my credit report without my consent. 

I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer System. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

Sincerely XXXX XXXX
Product: Debt collection

I received notification on XX/XX/2022 from XXXX and XXXX on my credit reports that a new collection was added. The collection agency Convergent Outsourcing NEVER sent me ANY letter informing me that they had my account from XXXX or any letter for that matter that they had my account in collections since XX/XX/2022 according to what's being reported in my credit reports. 4 months later it gets reported to my credit reports. Why was I not notified that my account was sold???!!! I would've been able to pay the account off prior to it being reported to my credit reports. I was unaware that my account had even been sent to collections because I was making regular payments to XXXX to pay the account down and they also never sent me a letter stating my account had been sold. XXXX kept accepting my payments leading me to believe they still owned my account and the whole time they sold my account to Convergent Outsourcing without my knowledge! So the original creditor XXXX never sent me any letter nor did Convergent Outsourcing. I do not owe Convergent Outsourcing any money. I have already paid XXXX the remaining balance of {$150.00} on XX/XX/2022 that was owed to them. I do not owe the collection agency because I was not even aware they owned my account until it was placed on my credit reports and I want this collection deleted from every credit reporting agency that Convergent Outsourcing has placed it on due to them not letting me know my account had been sold to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, PDQ SERVICES INC and on XX/XX/2020 XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  and XXXX. 
Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PDQ SERVICES INC and XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Checking or savings account

I have repeatedly tried to sign in to my online banking at Bank of America. I need to have them send me a passcode in order to actually get into my accounts ( bank account, credit cards, mortgage ), but their system phoned me but does not supply a passcode. I try signing in at least one more time. I phone them to get them to give me a passcode, but they never escalate the situation so that their system will actually provide me a passcode. Not only that, they never give me a passcode to get into the account ; rather, they change my passcode, which I have expressly told them I do not want them to do. I have also expressly told them that I want them to escalate this so that their system gets changed.

I believe I have also written a letter to their outside auditor to let the auditor know that Bank of America 's system of internal control is not working properly.
Product: Checking or savings account

I hold an account with Bank of America. 

I've had nothing but problems with my checking account and deposits being held over an extended period of time for reasons unknown, even after asking customer service specifically what holds were for, answers were extremely vague and just not true, as I had even verified funds myself prior to depositing checks, written from the same bank, and still holds were placed for max amount of time. 

Not only were deposit holds placed, but my account has even been debited in the amount of the check deposited after the funds had cleared. It appears in my recent activity as if I spent the money after cashing my check. 

Please let contact me back at earliest convenience and I hope to speak with you soon. Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX / XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX / XXXX XXXX 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 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with Experian regarding an old collection account that they ( Experian ) are still reporting on my credit and/or consumer report. They are reporting a collection account, from XXXX, on my credit report ; and furthermore the address on file for this account is not mine. So, these are two reasons why this shouldn't be on my report. ( 1 ) It's beyond the statute of limitations, and ( 2 ) it's using my personal information while utilizing an address that's not mine which is FRAUD. 
On XX/XX/XXXX, Experian notified me that the collection account was not removed because the company who reported it had certified to Experian that the information is accurate. 
Please, instruct all credit reporting bureaus and/or agencies to cease reporting all fraudulent information about me at once, as they are all in violation of multiple provisions of the FDCPA and FCRA. 
Please respond at your earliest convenience. 

Respectfully Submitted, XXXX XXXX
Product: Credit card

I overpaid my Macy 's XXXX bill XX/XX/2016 by {$1800.00} due to the fact that we changed our minds on the type of furniture we were purchasing. Macy 's acknowledges the overpayment and confirmed my credit balance. I have made several requests since XX/XX/XXXX to have a check generated for this credit balance. Several, several calls have been made with Macy 's making excuse after excuse as to why I have not received it.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 

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.

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!