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

Good afternoon, I am writing through the CFPB because, despite my initial letter to the three bureaus on XX/XX/XXXX, I have never received the report or outcome of the investigation. Because of this, along with the fact that I do not recognize any of the accounts in my report, I am asking for a new investigation. 
I received a copy of my consumer report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. 
In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : 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 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 The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 
The details of the accounts are inaccurate, they are not exact in details and amounts. 

( TransUnion/XXXX XXXX XXXX ) you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! 
( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE
Product: Debt collection

Dear Portfolio Recovery Associates ; XXXX Bank ; I have disputed this item with the XXXXedit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. Cease all methods of communications and collections on this account. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under XXXX XXXX codes sections XXXX d, XXXX f g of FCRA/FDCPA. Remove from my credit report. You violated XXXX of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX XXXX  XXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX   XXXX  XXXX  Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late 5/3/6 Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks --
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXBalance : {$200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXBalance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$170.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Money transfer, virtual currency, or money service

Coinbase will not let me access my account which has more than 18,000 $ in it. When I try to login it says " Your account has been temporary disabled, please contact support ''.

I have contacted them on XXXX, by phone, by email, on reddit and directly via hand written letter and have not gotten any response back to why my account was locked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I want these items immediately re-investigated and for a good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello I had a unauthorized charge on my account when I contacted the bank to advise them of fraud activity the representative never closed the debit card allowing for transaction to process that I did not authorize so I had to file a claim when I filed claim I advised them and offered to provide documents I kept getting the running around from bank so I reached out to merchant the merchant XXXX then advised me to file a charge back with my bank as thats the quickest way to get my money back however the bank denied complying or reopening claim they didnt even provide 30 or more days to provide them proof from merchant on my end, when I call bank to request claims department to contact me they never do I am out of {$200.00} plus dollars and I am being charged overdraft fees all because the bank representative did not cancel my card when I advised them of fraud activity
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX and XXXX Collector : XXXX XXXX XXXX XXXX XXXX Status : Unpaid Balance Amount : {$320.00} and {$420.00}
Product: Credit reporting or other personal consumer reports

the following address that is being reported to my credit report is fraudulent XXXX XXXX XXXX  XXXX XXXX Virginia XXXX my correct address is XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been trying to gain access to my Equifax and XXXX personal accounts online and it keeps telling me that my login information isnt correct meaning someone else has gained access to them and changed my contact information. After trying to reach these two credit reporting agencies for several weeks and verifying my identity and information, they never gave me access to my online accounts.
Product: Student loan

I have 4 loans with Navient. 3 of them are current. The other one is behind. I am constantly getting phones several times a day from Navient. Most of the time automated but theres times theres a human on other end but doesn't leave a message.

Today alone I received 6 phone calls. I am aware that I owe the debt. And once a payment is set up via the website that should stop the calls but it doesn't.. There is times I even receive calls before 8 am my time which I am in California and is clearly violation of collection laws.
Product: Mortgage

I paid off the mortgage by refinancing on the XXXX of the month. I should get credit for the interest from the XXXX to the end of the month as well as the additional month of interest paid. The mortgage company also charged me 2 months of mortgage insurance in addition to the current month. I called the mortgage company to ask for the refund and they asked me to send them in writing. I sent a certified letter asking for the refund or send me an explanation of their calculation and they did not answer.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out two letters to transunion but have not received any responses. Please comply with my letters
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company. 

!
Product: Credit reporting or other personal consumer reports

I don't recognize this hard inquiries XXXX XXXX. XXXX, 2024 Please delete this fraudulent hard inquiry
Product: Money transfer, virtual currency, or money service

Continued freeze and holds on accounts and cards thats digital banking.
Product: Debt or credit management

Credit reporting companies.TransUnion ( XXXX auto ) XXXX. XXXX  .not following rules. Laws regulating .. items not my account, such name is incorrect which ( .Credit repair companies ) hired. sent out letters sum certified requests to please remove. These items companies whom trying collect money. Same amount money Not owed due to payment payed in full ( XXXX XXXX XXXX XXXX. Which all one company. Requesting same amount money ... who sold theses accounts to numerous diifferant colllectiions agencies XXXX, XXXX, XXXX XXXX  others. Report all 3 bureaus,,, whom request same amount money. At the same time.. Fraud ) and its effects my credit scores. Rating Due to late. Patents etc. Late dates that constantly pullin the credit scores down I sent in drivers license. Request 4-6 months same disputes.. Credit repairs companies has sent theses companies on going letter 's makes changes not done almost year,
Product: Debt collection

The company refuses to send a legally binding contract/agreement. This is a fraudulent account and they are not providing me with any proof.
Product: Credit card or prepaid card

Another business purchased merchandise from XXXX XXXX XXXX  and we were charged for it. We received a copy of the email confirmation from the other business stating that it was delivered to their business at their address. We have mailed documentation to Capital One multiple times. They have been irresponsive to phone call and social media requests. They have ignored every time. We need refund and {$5000.00} inconvenient fraud fee. My wife has invested countless hours trying to resolve a very simple situation. 

https :  XXXXXXXX   XXXX We are not XXXX XXXX XXXX XXXX! 

Thank you for your order! 
Hi XXXX XXXX | XXXX XXXX, this is a note to let you know that we received your order. Your order was placed with one of our sales representatives or on our wholesale website. If you put a future ship date on you order, don't fret! We will not ship or charge for your order until the requested ship date. Are you a new account who wrote at a trade show? We encourage you to work with your local rep for future reorders. Your sales rep will be in touch or you are always welcome to call us at XXXX and we can connect you.
Product: Payday loan, title loan, or personal loan

I originally had a loan with XXXX which was sold to SST. Part of that loan was a savings account that shouldve been returned to me when the loan was paid off. The loan was paid off XX/XX/2023 in the amount of {$1400.00}. The payment cleared my checking account the next day on XX/XX/XXXX. Ive been unable to get a specific date that my {$2500.00} savings account will be returned to my checking account. I have sent several messages and called both SST and XXXX with no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Dept of EducationXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

In XX/XX/2011 after I graduated from XXXX College in Maryland I started making payments back to XXXX XXXX at the time. Through that time I had been working for the XXXX and was only making {$XXXX} a year. I requested assistance from XXXX XXXX and Navient to be placed on an income based repayment plan. Instead of working with me they pushed me into multiple forbearance which I have the documentation to back up. They continually harassed myself and my parents on a daily basis as I struggled to make payments. To this day I feel that Navient is one of the worst companies to work with and they still have my payments XXXX and they forced me to go into auto-pay to quickly try and get them paid off. They told me that 30 year financing was not available and that I would need to make the full payment each month which is roughly {$1000.00}. I think for someone trying to do the right thing and wanting to pay off their loans they are being penalized. As the lawsuit proceeds I would be more then happy to provide any information or documentation to show how I was a victim of Navients scam of pushing people into forbearance.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : [ XXXX XXXX : [ XXXX ] XXXX  ENDING IN XXXX Your company is clearly in violation of the law. 

Under 15 U.S. Code 1681a Definition ; rules of construction 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information Prohibition ( A ) Reporting Information with actual knowledge of errors, THE LAW CLEARLY STATES IN 15 U.S. C 1681a 2 ( A ) ( i ) ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please change the above late payments to paid as agreed on my consumer report ; this agency is in violation of 15 USC Failure to respond satisfactorily with changes of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collectors Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX as violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm going through the process of freezing my family 's credit. This is taking time and why I have n't called the agencies yet. My issue is, Ohio has a law allowing us to freeze our minor 's scores : http : XXXX However, XXXX and Equifax do not provide an option to do this. This is contra to our law. I should be able to as the parent without an actual identity theft action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted disputes XX/XX/XXXX and XX/XX/XXXX to XXXX and Equifax that information regarding a bankruptcy they were listing is inaccurate. Each time they responded they had verified the listing. I asked for their procedure they used to verify bankruptcy I never recieved it.
Product: Mortgage

Bank of America has intentionally and repeatedly misrepresented to me that the XXXX XXXX, 2013 SPOC, XXXX XXXX, issued denial letter was a MHA HAMP ineligibility denial based on an appeal review completed by the Bank of America Appeals Department. It is not. However, there are two Bank of America Appeals Department determination letters of XXXX XXXX, 2013 related to an unspecified proprietary home loan mortgage account mmodification issued by XXXX XXXX. 
Bank of America continues to engage in behavior indicative of a breach of the covenant of good faith and fair dealing related to a home loan mortgage account and a borrower pending in the loss mitigation processes.