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

In XX/XX/year> I settled with the law firm credit acceptance assigned to my case. The account is still reporting inaccurately on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized credit inquiries that were reported on my credit file on XX/XX/XXXX. Upon reviewing my credit reports from your agency, I discovered that several hard inquiries were made without my knowledge or explicit consent. This constitutes a violation of my rights under Section 60810, which mandates that credit reporting agencies maintain accurate information and ensure that consumer reports are free from unauthorized actions. 
As a federally protected consumer, I'm aware that's you've assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which you've infringed upon without my lawful consent. Pursuant to 15 USC 1681, it is the purpose of the Fair Credit Reporting Act to ensure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! 
Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character! 
Your actions do not only violate the Fair Credit Reporting Act but it also violates the XXXX XXXX XXXX XXXX! Pursuant to 15 USC 6802, I've NEVER gave you or your nonaffiliated 3rd parties listed in this letter any form of lawful consent to share my nonpublic personal information! I'm ordering you to Cease and Desist your illegal actions! This constitutes as aggravated identity theft for knowingly and willfully using my information without my lawful consent or any lawful authority pursuant to 18 USC 1028A!

Pursuant to 15 USC 1681c-2, Federal Law states that no later than 4 business days after receipt of this notice, you shall block the reporting of the identified information provided. Therefore, pursuant to 15 USC 1681b ( a ) ( XXXX ) in accordance with my written instructions, my demands are as followed : As of XX/XX/XXXX, I noticed that the following unauthorized inquiries were made on my credit file : OXXXX 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 SYNCB 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

After researching, Truist Bank XXXX XXXX Bank ) violated 12 CFR 1006.6 Commnications in connection with a debt collector ( 4 ) ( ii ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) Procedures for email addresses/Procedures based on communication by a creditor. I will attach a copy of the email sent for supporting documentation ( ii ) Procedures based on communication by the creditor.

( A ) A creditor obtained the email address from the consumer ; ( B ) The creditor used the email address to communicate with the consumer about the account and the consumer did not ask the creditor to stop using it ; ( C ) Before the debt collector used the email address to communicate with the consumer about the debt, the creditor sent the consumer a written or electronic notice, to an address the creditor obtained from the consumer and used to communicate with the consumer about the account, that clearly and conspicuously disclosed : ( 1 ) That the debt has been or will be transferred to the debt collector ; ( 2 ) The email address and the fact that the debt collector might use the email address to communicate with the consumer about the debt ; ( 3 ) That, if others have access to the email address, then it is possible they may see the emails ; ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and 5 ) The date by which the debt collector or the creditor must receive the consumer 's request to opt out, which must be at least 35 days after the date the notice is sent ;
Product: Debt collection

I have been dealing with IC Systems for at least 10 years if not longer. I had XXXX XXXX and I have been paying on that and other medical bills since 2012 or so. I pay them {$75.00} a month as I have been for roughly 10 years. That equates to at least {$9000.00}. I don't know what I owed originally and what has been added to it. But from what I understand, once a debt is sold to a third party company they are collecting a debt they purchased. I feel as some point this payment needs to stop. I do not have the means to pay {$75.00} in perpetuity. Shouldn't this debt be satisfied yet?
Product: Credit card

The account is already reported to credit bureau as closed as of XX/XX/XXXX. However capital one says account still opened and balance. There was a discrepancy on the behalf of capital one. Accounts are paid and closed with XXXX balance to all credit bureaus as of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i see credit inquiries from capital one on several dates. i will list the dates below 2 inquirys on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the second attempt to remove fraudulent items from my Credit Report with Credit Bureaus. Despite my previous efforts to address this issue, I am disheartened to find that the fraudulent charges remain unresolved. 

As I previously communicated, I reported several unauthorized and fraudulent charges on my account. In response, I diligently followed your company 's prescribed procedures, promptly notifying your customer service department and providing all necessary documentation to substantiate my claims. Following a thorough investigation, I was assured that the fraudulent charges would be promptly removed, restoring my account to its accurate state. 

To my dismay, I recently received my most recent account statement, which still reflects the same fraudulent charges that I initially reported. This ongoing issue not only causes financial distress but also erodes my trust in your company 's ability to protect my financial interests. 

I have attached copies of my previous correspondences with your company, as well as the documentation that clearly demonstrates the fraudulent charges in question. It is crucial to emphasize that these charges are the result of unauthorized transactions that occurred without my knowledge or consent, and I have taken all necessary steps to prove their fraudulent nature. 

I urgently request that you take immediate action to investigate and rectify the fraudulent charges on my account. These charges have not only caused undue financial hardship but have also seriously impacted my confidence in your company 's commitment to customer security and satisfaction. 

Additionally, I kindly request that you provide me with written confirmation once the fraudulent charges have been removed from my account, along with an explanation of the corrective actions taken to prevent such incidents from recurring in the future. Customers like me rely on your company 's security measures and prompt resolution of fraudulent activities to maintain trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your immediate assist to remove the following fraudulent items : XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written three previous times about an account on my credit file that has been inaccurately reporting and still reporting. According to the FCRA you are required to verify this information yet you have not verified it and you are still reporting this damaging information. You keep saying it 's correct and it 's mine so inform me on WHO verified it. I want the name and number of the person of verified this information on my account.This is becoming very distasteful that your company would allow something so damaging to remain on someone 's report. I 'm unable to obtain credit due to your inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX there was a collection from XXXX XXXX for an unpaid phone bill that appeared on my credit file. 
I was in the process of refinancing on my Mortgage and all unpaid collection account needed to be paid in full in order to complete the Loan. 
The account was settled. I was told by the XXXX collection department that this will be removed from my credit file. 
Now in XXXX this XXXX account still appears on my report. 
This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto Finance, End of Lease Division, mailed me a bill for {$520.00} dated XX/XX/18 after I returned my leased vehicle to XXXX XXXX XXXX in XXXX, ME on XX/XX/18. I did not know or was expecting a bill, as the vehicle was paid in full and the car salesman at XXXX XXXX never told us to expect one. We moved from XXXX, XXXX to XXXX, XXXX on XX/XX/18, and my mail was forwarded. I did not receive the bill from Chase in the mail until XX/XX/18. The bill does not indicate a certain period of time to pay. I tried calling Chase to take care of this on Saturday morning XX/XX/18. The office was closed on the weekend, so I had to call and pay in full on Monday XX/XX/18. They had already posted a negative/delinquent remark to the credit bureau on Saturday morning XX/XX/18. After repeated calls, letters and faxes ( including from my attorney ) for them to remove this from our credit report, they have refused on several occasions. Below, please find a copy of the letter that my attorney sent to Chase to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND EXPERIAN ARE IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE. 
ITEMS NOT MINE : XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX XXXX XXXX XXXX/NOT MINE XXXX -- XXXX XXXXNOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX   XXXX XXXX -- U.S. DEPARTMENT OF EDUCATIOND/NOT MINE XXXX -- US DEPT OF ED/XXXX/NOT MINE
Product: Money transfer, virtual currency, or money service

I have purchased {$34000.00} of Bitcoin, Bitcoin Cash, Ethereum, and Litecoin on www.coinbase.com to trade. Simultaneously, I am starting a coffee lounge business and needed to sell my coin. When I tried to do so on XX/XX/XXXX, I encountered this message preventing me from selling : " Account Restricted. You are currently unable to buy and sell digital currency on Coinbase. Please visit https : //support.coinbase.com for assistance. '' I contacted them multiple times via phone and email and they have refused to inform me of why my account was restricted because they are waiting for a nonexistent " specialist '' to work with me. Many other people have had this same issue with Coinbase 's shady business tactics and they recommended that I contact the government. 

Since this point, my coins ' values have plummeted significantly, and I have been unable to get my money back which has put me into a desperate situation with my startup company. I have wasted almost a month of expensive XXXX business rent waiting for someone to take my account off restriction, and have delayed my opening date. XXXX is absolutely awful for not communicating and dealing with my inquiry in a timely fashion. I need my coin back immediately!
Product: Mortgage

on XX/XX/XXXX my husband and i applied and were granted a reverse mortgage from AAG. On XX/XX/XXXX my husband passed away and I informed AAG in a timely manner. They sent me paperwork to fill out to stay in my home as I am considered a NBS ( non borrowing spouse ). I took all the pertinent paperwork to my attorney and he had me execute the Non Borrowing Spouse Certificate, Administrators short certificate issued by the XXXX county, New Jersey Surrogate on XX/XX/XXXX ; Death certificate for my husband, XXXX XXXX XXXX, True copy of Administrators deed for the property in question and true copy of transmittal letter to county clerk. I was told by AAG that they had to receive all these  documents within a 90 day time frame. All the above documentation were sent by fax and USPS by my attorneys office on XX/XX/XXXX. By XX/XX/XXXX of this year, i discovered an appraiser was looking for me : they told me to call AAG, which I did, they then told me they had not received the documents in time and i was going into forclosure. I went to my attorney and he spoke to AAG and we discovered they had received the documents on XX/XX/XXXX, so we thought the problem was solved. I received another call from AAg today, XX/XX/XXXX telling me that an error was discovered and they were now proceeding with forclosure. AAG claims my attorney, who has been practicing law for 30 years, left out certan wording and that made my claim null. I will be speaking to my attorney first thing tomorrow morning and wewill decide how to proceed from here, but both he and I have found AAG to be deceitful, obtuse and in general a terrible lender. Therefore, regardless of the outcome of my case, I would like to file a formal complaint against AAG for harrassment and deceitful practices.
Product: Credit reporting

There is a XXXX account showing up from XXXX XXXX XXXX. I have contacted XXXX and they do n't have any records of such balance. My equipment was returned. On further researching it looks like this company is fraudulently putting information on credit profiles. 
Please see the google reviews about this company. XXXXI would greatly appreciate if you could please help me clear my credit report. 
ThanksRegardsXXXX XXXX
Product: Credit card or prepaid card

Back on XXXX of 2019, I found out there was a 30 day late payment being reported on my Commenity Bank / Victoria 's Secret credit card. I found out because I received a call saying I was late. Since I had been paying them on time every month since I opened the card a year prior, I told them that was impossible. I know I pay my card every month so there must be a mistake. After a long and heated conversation with the representative who called me, they said there was nothing I could do about it. The representative said I was late because funds were attempted to be withdrawn and they could not do so for insufficient funds. 

I called my bank which is XXXX and asked about declining a payment to Commenity bank. XXXX asked me for the date and I told them the appropriate dates. They reviewed their records and informed me no attempt to withdraw funds was ever made by Commenity Bank for those time periods. Afterwards I called Commenity Bank and informed them what XXXX said. Commenity Bank didn't want to hear it and told me there was nothing I could do. I went back and forth between Commenity bank and XXXX for some time and they would both tell me the same thing. Commenity Bank claims there was insufficient funds and XXXX claims there was no attempt whatsoever to have funds withdrawn. After a while I was fed up so I disputed the account with the credit bureaus. The credit bureaus came back saying this account was verified and no changes would be made. 

I know this may not seem like a big deal to Commenity Bank, but its a big deal to me. I make my payments to them on time every month and to hurt my credit report when I know I made the payment on time is just frustrating. Especially when my own bank tells me they have ways of knowing if withdrawal attempts were made and not a single withdrawal attempt was ever made during the time of this 30 day late payment. Please help me with this.
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. 

XXXX ) XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX ) XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX  Account number XXXX XXXX ) XXXX XXXX Account number XXXX XXXX ) XXXX  XXXX - Account number XXXX XXXX ) XXXX  XXXX - Account number XXXX  XXXX ) XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX, XXXX  - Account number XXXX XXXX ) XXXX, XXXX  - Account number XXXX XXXX ) XXXX XXXX XXXX - Account number XXXX XXXX ) XXXX  XXXX XXXX  - Account number XXXX All accounts listed above have violated my rights under 15 USC 1681, 15 USC 1681 section 602 A states I have a 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 ) 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 conviction of crimes which antedates the report by more than seven years, 15 USC 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 card

In XXXX XXXX, I discovered a balance of {$9900.00} on my XXXX Credit Card account and almost {$3000.00} in interest charges, which came as a complete shock. The XXXX app consistently failed to display my credit card balance, and the screen appeared frozen or incomplete whenever I checked. I relied on the app to monitor my account, but this bug misled me into believing everything was fine. Additionally, I never received any paper statements for my credit card, further preventing me from being aware of this balance. 

Initially, I contacted XXXX customer support and spoke with multiple representatives. They dismissed my concerns and told me there was no resolution available. During my research, I found numerous complaints about XXXX customer service, which echoed similar frustrations. 

I submitted my first complaint regarding this issue, but instead of a response from XXXX, I received a response from XXXX Bank. While XXXX stated the charges were accurate, they failed to address the app bug or the lack of communication, which are clearly the responsibility of XXXXPayPal. This complaint was closed without proper resolution. 

I then submitted a second complaint, this time addressing PayPal. Someone from PayPals executive customer service team called me and left a voicemail. In the message, they said I would receive an email requesting additional information to help their developers debug the app. However, I never received the promised email. Months later, PayPal closed the complaint, claiming they needed more information, even though they failed to follow up as promised. 

As a loyal XXXX user, I have always relied on the app and trusted it to display accurate information. I have never paid interest on any of my credit cards before, as I always pay my balances in full and on time. This situation is entirely the result of XXXXPayPals failure to display my balance properly, compounded by poor customer service and a lack of follow-through. I am requesting a refund of the interest charges, an investigation into the app bug, and an acknowledgment of the mishandling of this issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX credit inquiry was made for a loan. It was supposed to be a soft hit and it was a hard it. I tried to complete the application but XXXX XXXX app, and website gave the same error message. Ive called and called, email regarding this issue. A ticket was allegedly put in for my issue. Today XX/XX/XXXX and i was told the application was cancelled because it was incomplete and that i have to reapply for another loan and take another hit and the issue with the system still exist and unable to login messages, check application status and i can not do anything on pennfed
Product: Payday loan, title loan, or personal loan

Afterpay froze my account and is asking for a bank statement and photo ID sent to them. That's fine, I get it. The problem is that they're demanding this information via email attachment. Their email domain isn't secure. Their back-end code is not secure. I believe it also is sent to overseas customer service centers. There is no information on where this data is stored, how it's stored, who is storing it, who has access, etc. They have no digital privacy statement. Just attach and email. It's unusual and concerning. I'm refusing to do it, but I know most people probably comply. They need to have a statement on what their digital privacy consists of. Thank you.
Product: Credit reporting

Transunion recently sent me my Credit Report on XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The following inquiries were and are being disputed : XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 Please note that for some of the mentioned disputes listed above have been disputed with XXXX & XXXX and removed.Transunion has not complied FCRA.
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureaus and asked for the verification of the information and was told that the bankruptcy court verified the information. Bankruptcy supplied me with a letter stating that THe bankruptcy court oldies not supply either credit bureau with personal information nevertheless any information. When I mention that I had a consumer Law Attorney! I was then told my the credit bureau that a third party supplied them with the information. I gave no one permission to buy, sell or obtain any personal information or information. The information has to be provided by the actual creditor or bankruptcy court itself to the credit bureau. I have reached out to a Consumer Law Attorney for further guidance as well. I have been going back in forward for a very long time. Also, XXXX keep saying that my account is fixed. I cant even review anything thats on my credit without going through the Experian portal that I have to pay {$24.00} a month for, which then leads me back to XXXX. I just reached out to them today to ask for them to delete my entire account so that I can be able to set up a new one to keep a check on my credit account.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me.