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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was breached using a simple and easily patch security vulnerability. I expect someone who hordes my personal information to take security seriously and rigorously. I now have to live in fear of my identity being stolen because Equifax was irresponsible with my personal information.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following account that have breached these legal provisions : ACCOUNT NAME AND NUMBER : XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud on my credit report
Product: Credit card

My count number is ending XXXX. I am repaying then thru XXXX XXXX in Wyoming who set up the repayment of {$210.00}. I had credit card protection for over two years when I got laid-off XXXX, of 2012, The insurance only paid for 12 months even though I paid the full amount till my unemployment ran out. The insurance company said they only pay 12 months and the criteria changed they now pay 24 months but I never received any notice to that effect. I paid all those months for no protection over one year and 6 months. This is not fair for which I told them but they did not want to hear my complaint. Please look into to and let me know if I will be a participant in the Citibank Settlement. The new criteria is for a new issue not my problem. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX cell
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported a collection account for an account that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Opened : XX/XX/15 Balance : {$270000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I filed for unemployment during the time i enter the wrong address actually the wrong City and zip. So I never still until this day have not gotten a Card from U.S. Bank Relia Card from Work Force Commission. When I Applied i put my address as XXXX XXXX XXXX XX/XX/XXXX XXXX but should of BEEN XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. I have called someone called back stated someone would contact me but still as of today no one has called. Then I have sent 1 letter to Card services XXXX XXXX XXXX Receipt number XXXX XXXX XXXX XXXX XXXX still have not heard nothing. 1 to XXXX XX/XX/XXXX receipt number XXXX XXXX XXXX XXXX XXXX but still have not heard nothing from them. I have been checking and since a changed my status to direct deposit i now have been getting deposit in my bank. But I still have my money total of {$5800.00}. I can not get access to. I really need it to get caught up on my bill. The land lord only holding off due to I let him hear that my funds are still on my card. Please help me. 

XXXX XXXX XXXX XX/XX/XXXX ID # XXXX last XXXX XXXX XXXX Phone # XXXX
Product: Checking or savings account

I received texts and emails welcoming me to Chime Banking followed by a debit card in the mail. 

I did not open the account. 

Contacted Chime and closed the account, which took quite a bit of time as they wanted me to provide personal information I was unwilling to disclose. 

It seems like the company is using account creation as a marketing tool.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end ofXX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.
Product: Credit reporting or other personal consumer reports

I hold one credit card with Huntington Bank, initially with a {$10000.00} credit limit, which unfortunately reported a single 30-day late payment ( which I am disputing ). Recently, Huntington Bank reduced my credit limit to {$7100.00}. However, XXXX is now reporting two separate accounts and two late payments, which is inaccurate. I have raised this discrepancy with Huntington Bank, but after their investigation, they have not rectified the error to ensure that only one credit card account is reported to the credit bureau.
Product: Debt collection

This is a company that has bought the written off loan. When they answer the phone all they say is business office ... .. They wont give me a name of their company. Just say it's regarding a loan with Ace Cash Express. They call my phone during business hours, if I don ; t answer they call my work and then they start calling old family members, none of which were EVER listed on the application. They did a search of my old address and pulled any number associated with that address. 
I have called repeatedly asking for an address to write them a cease & desist letter, and they will NOT give me an address. They want my information, but will give me no information in return.
Product: Mortgage

Mortgage account autopays on the XXXX. Got returned by my bank on XX/XX/2020 NSF Without me noticing. Got a call from 5/3 on XX/XX/2020, advised me about it, and offered me to process payment, and they will wave late fee and won't report it late. Paid on the spot over the phone. I now got hit with a 30 day late report. And a late fee. Called their credit Dept, got a negative canned response in the mail. 
Information report is inaccurate, as payment was late 19 days and not 30 as reported. Additionally, I was promised by the agent taking the payment that Account will not be considered late.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On    XXXX   XXXX   XXXX   I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with  XXXX  for years and have always paid my bill, and they had not received a bill since   XXXX   XXXX   I logged into   XXXX   XXXX   website immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on   XXXX   XXXX  , but have no communication from   XXXX   saying as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this.  XXXX  days later I was notified by my credit monitoring my  credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for the   XXXX     account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.     I have been a customer for many years, I do not carry a large balance, maybe  XXXX   XXXX  which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report,  XXXX  days later was the first time anything appeared on my report regarding them and the next representative was unable to help at all.
Product: Money transfer, virtual currency, or money service

I paid off a Coinbase loan in the amount of {$4900.00} on XX/XX/2022 Coinbase debited my account for XXXX that amount in XXXX different transactions of {$4900.00} for a total of {$24000.00} I disputed XXXX of these transactions with my bank on XX/XX/2022 in the amount of {$19000.00} Coinbase is now saying that I owe them {$19000.00} and will confiscate my funds if not paid within 5 days. 
This is a very serious issue as I am XXXX, have recently had XXXX XXXX and am in desperate need of those funds. This might not sound real, however, I can assure you that I really need some help. 
My escalated ticket # with coinbase is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion I have applied several times for a credit card offer from XXXX XXXX bank. I was rejected the first time because I was unable to lift the freeze on my credit report because TransUnion had suspended my account because they claimed they could not verify my information. I followed steps to have my information verified and by filling out forms was able to regain access to some sort of account at TransUnion. 
After getting the same credit card offer in the in the mail from XXXX XXXX bank I reapplied. I called Transunion and was able to get a temporary lift of the credit report freeze. 
XXXX XXXX attempted to access my credit report again today and I do not know if they were successful. I received a text and an email from TransUnion informing me that I needed to authorize this inquiry by logging into their True Identity product. I was unable to log into the TransUnion product XXXX XXXX as my TransUnion log in is not valid for that TransUnion product, but somehow I have access to this product via another credit card company. I was able to log in to XXXX  XXXX using those credentials but there was nowhere to authorize the XXXX XXXX inquiry that I was told to authorize. I did, however, see from this session that as a result of all this messing around in TransUnion, TransUnion decided my credit score should be dropped by 7 points. And as far as I know I have no way of authorizing XXXX inquiry so that I can do something as simple as obtaining a credit card My complaint against TransUnion is that their web site is intentionally confusing so they can pressure consumers into buying additional products. I also believe TransUnion is intentionally making it as difficult as possible for consumers to easily manage the protection of their credit information via a freeze so that TransUnion can dispense with the whole mechanism of freezing credit information. Why would I go through the considerable trouble of unfreezing my credit if I was not expecting an inquiry and therefore why does TransUnion need me to authorize an credit inquiry from a legitimate bank? And why would I need numerous different log in credentials if not to make it more difficult to manage my credit information protection. 
My second complaint is that TransUnion is lowering my credit score because of TransUnions anti-consumer policies is a form of retaliation for actually making them respond to the needs of a consumer. It was obviously not a human decision but is something built into their scoring algorithms. 
Thank you for considering this complaint about a credit reporting agency. I am glad that there is now a federal agency finally looking into this industry.
Product: Mortgage

I received the attached check, # XXXX, dated XX/XX/2022, for vendor name XXXX XXXX, vendor num XXXX, amount of {$26.00}, with check stub date XXXX, for invoice/credit memo XX/XX/2022, description of XXXX  # XXXX. I request all documentation to substantiate the issuance of this check, copy attached, for so-called invoice from XX/XX/2022 for vendor name XXXX XXXX , vendor num XXXX XXXX
Product: Debt collection

I received a second notification form this company about a proposed debt with them. XXXX XXXX handled this matter a while ago and yet i receive communication regarding this matter from time to time. 

This company has called my number repeatedly regarding this and i spoke with an agent today and informed them that this is not my debt and was the result of identity theft. I need these harassing calls to stop. this company continues to try and collect payment from me although i have already sent a letter asking that they cease with the calls and phishing regarding an invalidated debt that was the result of ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all three credit reporting agencies about incorrect information on my credit report and XXXX and Experian refuse to fix the problem despite having clear documented evidence of the reported error. XXXX, a student loan provider and servicer, has reported to these agencies that during XX/XX/XXXX and XX/XX/XXXX my payments were made late. I have concrete evidence in the form of correspondence from XXXX confirming that between XX/XX/XXXX and XX/XX/XXXX my federal student loans with XXXX were in deferment status and payments were not required. As such, these two erroneously reported late payments in XX/XX/XXXX and XX/XX/XXXX should be removed and deleted from my reports.

XXXX  XX/XX/XXXX - Late Payment XXXX XX/XX/XXXX - Late Payment
Product: Payday loan

Lender tried to garnish the full original amount of the loan and interest ( {$1000.00} ), not the amount that they even state was owed ( {$660.00} ). They also tried to send a wage assignment to my current employer, not the old employer that they had a " Wage Assignment '' for. When I got the loan they produced a wage assignment for my then employer XXXX XXXX, but when they filed the wage assignment they sent it to my current employer " XXXX XXXX ''. See attached Wage Assignment. They also tried to send the Wage Assignment even after I had sent a " Notice of Revocation of Wage Assignment ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with several different Equifax employees on XX/XX/XXXX, XXXX for two hours each time on the phone regarding why is my credit score not showing a credit score and no update since XX/XX/XXXX. Then on XX/XX/XXXX I receive a email from Equifax stating that I can review my credit report and score. I contact the lender to see if I was able to be pre-approve. The lender sent me a email saying he has never seen this before there is nothing showing up. But the other two creditors are reporting my scores. So I called back again and was on hold for 30min to see if the problem can be fixed. The representative stated that its nothing he can do and hung up in my face. Equifax is holding me up from getting my pre-approval and I missed out on several home that I no I could have qualify for
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of trying to refinance my home. My credit report says the property is in foreclosure. I contacted XXXXXXXX XXXX XXXX, spoke to XXXX, and she can not explain why. I have attained a mortgage verification letter from XXXX XXXX, stating that Im in good standing, not delinquent and have not been late in the last 12 months.
Product: Debt collection

I am writing this complaint because I believe my consumer rights have been violated. Upon reviewing my credit report I noticed Merchants & Medical was reporting 3 alleged debts that I did not give them permission to report. 

According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) infringed Upon a Consumers Right to Privacy. 

I did not give this company permission to share my private information with any credit reporting agencies. They violated FDCPA 15 USC 1692c ( b ) I sent Merchants and Medical a certified letter on XX/XX/2021, according to tracking information they received on XX/XX/2021. In my communication with them, I demanded they send me 3 things Validation of the debt - that is the actual accounting.

Verification of the claim against me ; that is, a signed invoice.

A copy of the contract binding both parties ( Merchants & Medical and myself ), in a letter by certified mail so that there is an independent witness to having been delivered. 
I received their response 5 days later stating that the debts were already validated and that their duties were fulfilled. They also sent me a copy of a medical procedure Type summary & transcript of medical procedures which is NOT Validation. 

According to Federal rules of evidence, Rule 1002. Proper evidence means Requirement of the Original its defined as - An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. 

The medical procedure Type summary & transcript of medical procedures they sent me is a violation of HIPAA - infringing on a consumer 's right to privacy. 

I have never signed a HIPAA release form to release my private medical records to Merchants & Medical which makes this a HIPAA violation. HIPAA protects my privacy and medical records from being used without my consent. So they violated 42 USC 1320d-9 ( b ) ( 3 ). No consent means identity theft! 

They also violated 15 USC 1692B ( 5 ) by using the phrase, This is an attempt to collect a debt and any information obtained will be used for that purpose. 

In my communication with Merchants & medical dated XX/XX/2021 I gave this collection company clear instructions to properly validate this debt, send me a list of all parties their company has shared my information with, also a cease and desist in which they ignored and failed to comply with which is a violation of 15 USC 1692c ( c ) so I'm submitting my complaint also demanding the accounts be removed within ( 7 ) days as well as seeking remedy in monetary relief for the emotional damage and physical anxiety, this has caused me. I also hereby reserve my right to take private civil action against Merchants & Medical to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX issued me XXXX which is taxable income but failed to update the consumer reporting agencies to remove this account because income can not be reported on a consumer report. Experian and XXXX are willfully neglectful. They understand that its against the law to report income on a credit report and they still chose to not abide by the law. Ive contacted them numerous times about this and they failed to remove the account. Per the FCRA Im entitled to a 100 % accurate report. If my report is inaccurate its {$1000.00} per violation. The proof is in the pudding and ive supplied evidence so the CFPB can take action. They are reporting inaccurate information and violating my rights.