23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PLEASE REVIEW MY DECLARATION PARTS 1 AND 2 THAT SUPPORT ALL THE WRONG DOING BY THE BANKS AND THEIR ATTORNEY 'S. 
We Rescinded our Mortgage in XXXX twice and once in XXXX. US Bank has ignored the notice of rescission 's. Also their has been extreme ROBO signing confirmed by XXXX courts against the banks in an their efforts to take possession of our property. The courts ruled in XXXX in our favor vacating a Summary Judgment Order finding that there was no valid Substitiution of Trustee Presented to the Court. 
Again in XXXX the Court issued a Judgment in favor of the defendants in the XXXX Unlawful Detainer file by the Bank. 
Pending now for trial is yet a XXXX Unlawful Detainer Complaint filed by the Bank set to go to trial on XXXX XXXX, XXXX. 
I URGE YOUR IMMEDIATE ATTENTION, PLEASE.
Product: Credit reporting or other personal consumer reports

I did not authorize any inquiries into my credit report. I reached out to Experian to investigate but they provided me a number to contact the creator. To my knowledge it is their responsibility to investigate any information reported. I did not initiated any inquiries into my credit. Please invest age and delete. The inaccurate information mentioned above is negatively impacting my credit score and financial standing. XXXX XXXX XXXX XXXX XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

I was recently a victim of identity theft and it could be due to the data breach at XXXX where I previously worked. This unauthorized use of my personal information has led to several fraudulent activities including the opening of the unauthorized accounts : Best Egg
Product: Debt collection

I tried disputing the account on my XXXX  account twice. Did not get solved so I called and I was told to get a policy report or to come on this site. That account for speedy cash does not belongs to me it belongs to a relative or person with similar name/address. I was under age when the account was opened
Product: Credit reporting, credit repair services, or other personal consumer reports

Account previously in dispute, Company failed to resolve. According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original sign consumer contract and any and all accounts you post on the credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof and original consumers contract with my signature on it you have on file of the accounts listed below. XXXX failed to positively verify these accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank and XXXX XXXX The unverified items listed Above remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and it is correct. In the results of your first and second investigation you stated in writing that you verified that these items are being Reported correctly? Who verified these accounts? You have not provided me any copies of any original documentation required on the section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and a remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious to consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I also believe that another credit file have been mixed with mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please CFPB, send attached documents to XXXX XXXX and Equifax credit bureau. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : 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 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 XXXXXX/XX/XXXX If you fail to respond promptly, I will pursue legal action XXXX seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution. 

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently got a copy of my credit report from XXXX notice that they are reporting inaccurate personal information about me i sent a certified letter to update my personal information along with an FTC identity theft report and a copy of section 605 B of the fair credit reporting act and a copy of my credit report with all of the fraudrantly items cirlced because i also notice that they were reporting fraudulent accounts on my credit report and they did not update or delete any of my information i am a victim of identity theft and XXXX need to update and delete the inaccurate information they are reporting about me my name is 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to run my credit.
Product: Money transfer, virtual currency, or money service

I have attempted multiple times to reach out to the company Coinbase. the first attempt on XX/XX/XXXX,  then again on XX/XX/XXXX, and finally again on XX/XX/XXXX regarding the death of my father and his bitcoin account. I explained to them I don't know the passwords to the account only email associated with account. I have been trying customer support and no one has answers on the phone and keep saying a specialist will get to me yet never does.
Product: Debt collection

I was contacted by XX/XX/XXXX stating I owed money, but I have never had a XX/XX/XXXXaccount or card. I told them this and stated I believe someone opened it without my knowledge and they refuse to remove it from my credit
Product: Credit card

Self Inc gave me some kind of account me thinking and truly believing it was a personal loan of XXXX dollars only to be a account that you pay off to maybe be able to get a loan to so call rebuild credit. I didnt need credit rebuilt and now its on my credit report as a personal loan affecting my getting any financing for anything. Please help get this scam fraudulent company out of the market of good hard working people like myself trying to make a living and better myself
Product: Credit reporting, credit repair services, 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 items 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 items : XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments report on XXXX XXXX The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account with XXXX XXXX that I was made aware of when attempting to get pre qualified for a home loan. I was never aware of this account nor did I open this account. I sent each bureaus two letters asking for how they added this information to my credit report and asked them to verify the account. To date all I got bacl was what appeared as a generic letter stating just verified. They did not provide me with the details I requested either. 

Account information is XXXX Account Number XXXX In accordance with the Fair Credit Act XXXX the Account listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act XXXX  the information provided below has violated my rights.

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

In XXXX my wife and I filed for bankruptcy. Navient was collecting your discharged debt during the entire time we were in bankruptcy. We were successfully discharged from bankruptcy in XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$100.00}
Product: Student loan

I am currently a student loan holder with Navient. I have for years now been fighting with them to provide paper work for the life of my loan which has not been available to me until just recently. I questioned the balance many times with them and the payments that were applied often did not match with the overall balance, payments were not being applied correctly. When I questioned the company I was given many different excuses that really made no sense. I was also told that my cosigner could be released from the loan and that has still not happened after making 8 years of payments. This loan continues to make no sense and I believe due to payment malfunctions/neglect the overall remaining balance is incorrect and many payments have been applied incorrectly impacting the interest and principal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
In conjunction with 15 U.S.C. 1681 et seq., I am reporting the inaccurate information provided below as it directly violates my federally protected consumer rights by failing to promote accuracy and fairness. 

Former Addresses : 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
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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have requested a credit report, however have a XXXX brother with similar name and lived in the same address. 
Issue ; Unable to access credit reportInaccurate data. 
Time-scale to provide information and data has been several weeks. 
Lack of ownership by the company. 
Poor internal systemsPlease see attached e-mail trail. Similar issue in 2009
Product: Debt collection

I have been a long-time PayPal user and have regularly made purchases through my account without issue. Recently, I attempted to sell a jacket on XXXX XXXX, and a buyer agreed to purchase it for {$650.00} via PayPal. I provided my PayPal details, and the buyer successfully sent the payment. 

However, upon checking my PayPal account, I was informed that I could no longer use PayPal without any explanation or prior warning. Due to this unexpected account closure, I immediately notified the buyer, informing him that I would be unable to ship the item as my account had been deactivated by PayPal. 

Following this, the buyer opened a dispute stating that he had not received the item. Despite my inability to ship the item due to PayPal 's actions, PayPal refunded the buyer without giving me an opportunity to respond or provide any explanation. Additionally, I was charged a {$30.00} dispute fee for a dispute that only arose because PayPal had closed my account, preventing me from fulfilling the transaction.

I find this handling of my case to be unfair and financially damaging. PayPals decision to close my account without explanation resulted in both a financial loss and a penalty for circumstances beyond my control. I am requesting a full review of this matter, a reimbursement of the {$30.00} dispute fee, and clarification on why my account was closed without notice or recourse.

I appreciate your time and attention to this issue and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

XXXX ( whoever they are ) has a {$500.00} collection debt billed to me in error. I still have active service with this company. I cancelled their television services and returned their equipment. Because I was working my daughter XXXX is authorized on the account so I asked her to contact them on my behalf and they admit the debt was an error and would be removed. I dipute the debt with XXXX, the debt is now with Credit Collection Services. XXXX claims to have validated the debt. I want to know how XXXX  is validating these false debts. What information was obtained that caused them to say the debt was valid because it absolutely is NOT and I have attached my conversation with this XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an FCRA609/611/623 violation. The Following accounts are listed : BEST BUY/CBNA # 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

In accordance with the Fair Credit Reporting Act, Experian, XXXX has violated my Federally protected consumer rights to privacy and confidentiality pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated XXXX XXXX XXXX XXXX. Obligations with respect to disclosures of personal information XXXX XXXX XXXX Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Experian, XXXX supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer XXXX have given you written, un-written, verbal, and non-verbal per XXXX XXXX XXXXXXXX XXXX XXXX  ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of XXXX XXXX XXXX Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Experian had possession of my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, paXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT ACCOUNT NUMBER:XXXX 
ORIGINAL CREDITOR : XXXX Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identity me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On Sat, XX/XX/2023 I deposited {$490.00} in a PNC ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As the ATM was counting the cash, it stopped in the middle, the screen said the transaction could not be completed and cancelled itself. 

PNC did not issue a provisional credit and has not provided a resolution.
Product: Debt collection

I have medical collections on my credit report that were to be covered by XXXX. These are not allowing me to get a home loan.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you examine the documents? Several listed accounts have errors in the reporting, including wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy.15 USC 1681 section 604A section 2 It also states 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.15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose..