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

I am submitting this dispute regarding several accounts appearing on my credit report, which I believe have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, I am disputing the following accounts : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX  XXXX ( Account # XXXX ) XXXX XXXX XXXX Account # XXXX ) XXXX  ( Account # XXXX ) XXXX  XXXX ( Account # XXXX ) XXXX  ( Account # XXXX ) XXXX  XXXX XXXX XXXX  ( Account XXXX XXXX ) Violation of FCRA Privacy Provisions Under 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my personal and financial information. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing information on a consumer without their written instructions.

I have not provided written consent or instructions to any of the aforementioned creditors or reporting agencies to access or share my personal information. Therefore, I believe my rights to privacy under the FCRA have been violated. 

Request for Resolution I am requesting the following : An investigation into the accounts listed above to confirm whether the proper procedures and consents were obtained.

Immediate removal of any unauthorized accounts from my credit report. 
Confirmation that all reporting agencies and creditors involved are compliant with FCRA requirements. 
I am providing this dispute in good faith and request your assistance in ensuring my rights are protected. If additional documentation is required, please inform me at your earliest convenience. 

Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fear Credit Reporting act XXXX  Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my tights. 


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.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> : Since then, the account has repeatedly been updated as charged off and it has a late payment that I do not recall. This is an update on the payment history as well as if the credit reporting agencies furnish all data from the original furnisher all data should be the same. A charge-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations as well as affects my creditworthiness. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding deletion of the following account : Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My Business XXXX XXXX XXXX XXXX XXXX is based in XXXX XXXX. 

I can not access wire transfers any more, their other alternatives don't cater for the funds to be sent to XXXX. 
In both cases I still need a US number which I am unable to obtain, or US address. 
My funds are stuck in my Wells Fargo Accounts now with no way of transferring the funds back here to XXXX. 
This is my second complaint to your department which was handled by the escalation representatives who I have been complaining to all along and still getting told the same stupid response. Instead of them repeatedly telling me I need a US Phone number and or address .... 

I just need them to find me a way of transferring funds from Wells Fargo to My XXXX Business banking account. 

It appears that this needs to be addressed by a senior executive at Wells Fargo or addressed by the directors themselves.
Product: Debt collection

I originally sent letter by certified mail receipt XXXX XXXX XXXXrequesting validation and I never received any documentation indicating this debt belongs to me. I sent a follow up letter XX/XX/2021 and didnt receive any reply. Thats past the 30 day time frame permitted to validate debt. Im requesting removal of account. Ive attach documentation that Ive retained for record purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to point out every complaint I have done with Transunion they have need followed the law. It states that Provide its reinvestigation findings to the consumer. After completing or terminating a reinvestigation, the CRA must notify the consumer of the results within five business days ( 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), ( a ) ( 6 ) ). The CRA should provide, among other things, a revised consumer report and, on the consumers request, a statement describing the procedures it used to reinvestigate the allegedly inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ). 
I am never told the procedures used in the investigation only that it came back verified or accurate. I dont believe an investigation ever happen and Transunion can not prove that it did.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Also Known As : XXXX XXXX XXXX
Product: Checking or savings account

Hello, My Card is used unauthorized on some Western Union Transfer To some XXXX XXXX in TX. Please Return the transfer and block my card misuse online.
Product: Debt collection

THEY NEED TO VALIDATE THAT THIS DEBT IS MINES BY SHOWING PROOF THAT THEY OWNED THE DEBT HOW MUCH THEY PAID AND THEY NEED PROVIDE ME PROOF THAT THIS IS MINE WITH MY SIGNATURE AND CONTRACT. THEY HAVE FAILED TO PROVIDE PROOF I HAVE REQUESTED THEM TO STOP CALLING AND JUST HAVE EVERYTHING IN CORRESPONSE THEY HAVE FAILED
Product: Credit reporting or other personal consumer reports

, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion is reporting late payments on this accounts XXXX XXXX account XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid both accounts with commenity capital bank in full in XXXX XXXX Both accounts should be zero and there should not be XXXX late payments ( XXXX ) on either account, since the accounts were paid in full.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 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 that consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) 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

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX DE XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit card or prepaid card

Please reopen complaint XXXX. 
I have not received a response to my settlement request that was made several times in writing to the company. They state they have tried to reach me, but this is false. I do not have a phone and they have not responded via mail, even after being given my current address. This company has not provided a proposed response to my settlement request and is blocking my ability to settle this debt by ignoring the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I made a purchase at XXXX on XX/XX/21 using my XXXX XXXX card for {$180.00} and checked out through XXXX. My Chase Bank account was linked to my XXXX. I never received the merchandise and so I contacted XXXX, investigated and stated the merchant was fraudulent and refunded me for. I then immediately removed my linked Chase checking account from XXXX because i knew my information may have been compromised t that loint. On XX/XX/21 two unauthorized debits from XXXX occurred on my Chase Bank which is the account that was linked through XXXX but I didn't use my Chase account to make this purchase. The first fraudulent charge was for {$17.00} and the second one was for {$16.00}. I called Chase reported the fraudulent activity and they reissued me another card. I even told them about the situation with the fraudulent merchant and asked Chase if my checking account was compromised too. They said no it wasn't and just reissued a new card. On XX/XX/21 I noticed three more unauthorized transactions on my account. The first one for {$15.00} and then second {$14.00} both from XXXX and another {$1600.00} unauthorized payment transaction. The {$1600.00} transaction looks like it was sent to me but it wasn't. The fraudulent merchant gained access to my Chase account from XXXX and stole {$1600.00} from me. I called Chase filed a claim and they took care of the small claims but said the {$1600.00} was authorized and they reversed the {$1600.00} credit after denying my claim. This is fraud and unauthorized and I am beyond frustrated I have been with Chase for over 10 years and they did not protect my account. I feel this unacceptable and unfair to me as a consumer.
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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with a dispute for consumer reporting agencies- TransUnion, XXXX XXXX XXXX. All 3 CRA 's are reporting inaccurate information- ( old addresses & old employers ) onto my credit report which is a violation of 15 USC 1681e ( b ).
Product: Money transfer, virtual currency, or money service

Transferred {$3000.00} on XX/XX/XXXX online from XXXX checking account to CoinBase a Crypto Currency company based in XXXX XXXX, Ca. 
On XX/XX/XXXX or XX/XX/XXXX CoinBase sent me an email informing me there was suspicious activity on my account and my account would be frozen for 3 to 5 days. The next day I got an email from them informing me my account would be frozen for 30 days ( calendar days not business days ) I was told by the phone rep of Coin Base. 

I have called them about 5/6 times for clarification and their phone reps were unable to offer any information about why or for how long my account would be frozen I informed them on one of these phone calls I want to close out my account and to send me my money back They said my account was frozen and they can not give me my money back until it is unfrozen. 
Yesterday, XXXX XXXX I was able to talk to a CoinBase supervisor and he informed me that my account would be unfrozen on XXXX XXXX. HE said that the amount of time my account was frozen was totally wrong and he would do his best to rectify my problem. He said he should have an answer for me by close of business XX/XX/XXXX ( yesterday ) I contacted him by email today XX/XX/XXXX to inform him of his not rectifying the problem and have not heard back from him I feel CoinBase has been less than honest or fair with me in this problem and I would like to file a formal complaint against them Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( 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. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Checking or savings account

I opened the Choice checking account ( Account # XXXX ) at HSBC bank onXX/XX/XXXX. There was an opening bonus of {$200.00}. I have met all the requirements to qualify for the bonus but the bank is not posting the bonus of {$200.00} to my account. I talked to them and they say that since I had an credit card account prior to opening the checking account I do not. qualify for the bonus. The two are entirely different products and the two are not related to each other. I printed the offer terms when I opened the account and I have created the following attachment 'HSBC Choice Checking bonus {$200.00} promotion -Old Offer '. It is a .jpg document and it shows that under the terms there is no mention of any credit card account being the reason for disqualifying the bonus. These were the terms at the time of opening the checking account. it does say that the offer is for opening a new checking account which it was since I never had any checking account with HSBC before. 

I have created another attachment 'which is the current offer 'HSBC Choice Checking bonus {$200.00} promotion -New Offer '. This document is a text document and ithe terms are very similar to the similar to the other document ( the Old Offer ) showing that there are currently offering the same promotion and again in the new offer there is no mention of the credit card account being the problem. 

The following attachments are the bank statements form XX/XX/XXXX through XX/XX/XXXX showing that I have maintained a minimum balance of {$1500.00} all this time. This was their main requirement for the qualification of the {$200.00} bonus HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement All these documents show that I have met and satisfied all the requirements for the {$200.00} bonus offer according to the bank terms in the offer. The {$200.00} bonus should be posted to my account as soon as possible. If the bank still claims that I do not qualify then their offer was very misleading. 

Please let me know if any additional documents are needed in support of my compliant.
Product: Student loan

I have been contacting Mohela since XX/XX/2024 about my loans being discharged. I have contacted the company by phone and email on several occasions requesting the deletion of my student loans or updating the loans to XXXX  balance on my credit report since XX/XX/2024 and nothing still has not been done. I think six months is ample time to resolve this type of issue. I am applying for a home and the mortgage lenders keep adding these loans to my debt-to-income ratio because they still exist with a balance on my credit reports which significantly hurts my approval amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3 years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.
Product: Debt collection

I have not received a contract with my agreement to this. 
When was it generated, if ever? 

Also, I'm seeking possible litigation as I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once. 

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

When all notes of a chapter XXXX were removed ( including the public record. ). Santander cont to report that I have a recent delingeincy. What Santander is reporting the the final payment from the chapter XXXX trustee. They are reporting the payment as my last payment prior to delinquency. My last payment prior to delinquency was XX/XX/XXXX. This inancuarte reporting tells creditors that I have a recent delinquency that is unresolved. This is not the case. My chapter XXXX was paid in full never missed a payment. No other creditor is reporting it this way. I have called Santander twice and sent A returned receipt request and 1st class mail outlining the relevant dates but nothing on all three credit reporting agencies have changed their erroneous reporting. I have all pertinent legal documents justifying the points made here today and they can be furnished upon request. All creditors final balances are paid back in XX/XX/XXXX or XX/XX/XXXX of XX/XX/XXXX. The last delinquency on all accounts were XX/XX/XXXX. I think its about time to let me off the hook on the account. Its the only one holdimg me back from rebuilding my credit. Could you please help me in getting Santander/XXXX/XXXX card services to report accurately. Thank you, XXXX XXXX