23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am reaching out to report a fraudulent account, as directed by both XXXX and the FTC. 

XXXX reviewed my case and confirmed the issue on XX/XX/XXXX  under Report No. XXXX. They advised me to report this identity theft case to the FTC, which I did, and I was then directed to submit this report to the Consumer Financial Protection Bureau to resolve the matter. 

Here are the account details provided by XXXX : Company : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Original Creditor : XXXX XXXX XXXX  Balance : {$3100.00} ( Updated : XX/XX/2024 ) Original Balance : {$3100.00} Account Information : Date Opened : XX/XX/2024 Account Type : Collection Status : Collection account - {$3100.00} ( Status updated : XX/XX/2024 ) Please review this report and take necessary actions to address this case. I am providing all available information to facilitate a thorough review. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great XXXX XXXX and financial hardship because these accounts are mine and I can not fulfill my dreams of owning a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX list of accounts below has my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 it always 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 items 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. 


XXXX accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Identity was stolen and consumer report is reporting the incorrect information.
Product: Debt collection

You have not supplied proof under the doctrine of estoppel by XX/XX/XXXX XXXX XXXX XXXX XXXX i presume that no proof of the alleged debt in fact debt exists. This account is also listed as open as that is inaccurate as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is reporting US DEPT OF ED acct.no, XXXX The account IS TOO OLD TO BE ON FILE. 
I have not made a payment since XXXX2011.I never paid any money to the {$9100.00} original balance.I never used any of the loan proceeds to pay for school.I never went to school or passed any courses using this money.There is no payment history from me or proper deferment earned.The account is inaccurate and TOO OLD TO BE ON FILE.
Product: Checking or savings account

Today XX/XX/2023 @ XXXX XXXX  central time chime closed my account unexpectedly I watched them send an email to my phone I immediately went to try to access the app but had been automatically signed out - since Ive been going back and forth via email and phone talking to representatives and supervisors while having them tell me they are escalating my situation to the back support team I gave them an address where the check needs to be send immediately and they are currently giving me a hard time about additional documents when Ive got provided account information and etc to verify account. I even asked if I can even send in my birth certificate along with drivers license to have that NEW address I gave Them updated on file immediately because thats where the check needs to go ( XXXX Texas )
Product: Money transfer, virtual currency, or money service

Coinbase seems unable or unwilling to change my phone number making it impossible to access my account. 

On XX/XX/22 @ XXXX XXXX, I discovered that I could not access my Coinbase account because I had changed my phone number. At XXXX on the same day, I called Coinbase customer support. After over an hour with XXXX on the line, nothing had changed. I still wasn't able to access my account and XXXX blamed " the system '' for his failure to correct the problem. He informed me that there was nothing I could do. So, In summary, can't access my coinbase account and there is nothing to be done about it so I guess I lose all of my funds.
Product: Credit card or prepaid card

Every year, if I keep my XXXX XXXX credit card, I am awarded XXXX XXXX XXXX  points. When my annual fee came due, I was deciding whether I wanted to keep the card. So I called in to see if there were any sweeteners and the representative said she would waive the annual fee. Before she did so, I made sure that I was still going to be awarded the points and she said yes. Fast forward 2 months and I realized that I still had not gotten the points. I called in and was told that the points are only when you pay the annual fee which is contrary to what I was told. Additionally I was told that representatives are not supposed to waive the annual fee. That being said, I asked if I could be assessed the annual fee and get the points. I don't want anything for free. But then I was told they couldn't assess the annual fee once it's waived and because the annual fee can't be put on, I'm out of luck on the points. This is frustrating because this is classic bait and switch. I would argue these points : 1. The terms of the card state that the XXXX points is if you keep the card for the year. It doesn't specifically state it is tied to the annual fee.

2. The annual fee was waived contrary to US Bank policy 3. Once I asked them to charge me, they said even though they waived it, they can't add it back.

4. Because of their representative doing something they shouldn't have done, I'm now out of XXXX   because of the rep 's error.

Like I said, I don't want anything free. Let 's abide by the terms of the agreement. Assess the annual fee of {$50.00} and give me the XXXX  points as agreed upon card opening. I don't know why this is such an issue especially since you have documentation showing I agree to this arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email alert from the credit bureaus reflecting that my credit score had dramatically decreased due to an account status change on my XXXX credit card. 
to my astonishment my credit report was suddenly reflecting 30 day late payment history for 5 months in a row. I sent XXXX a certified letter on XX/XX/XXXX to request that they investigate the situation. I was told that my payments were considered late when I was enrolled in a workout program the year prior. I was offered to enroll in this program to reduce the monthly minimum payments for of 5 months to stay on track I was diligent in adhering to my agreement and always paid all my payments on time since my credit card was opened back in XXXX. .I was never informed or provided with any type of notice or disclosure concerning this matter. this is simply unfair business practices. I have requested that XXXX remove the late payment history as a courtesy and they declined. 
there needs to be accountability with creditors. consumers are being damaged by their actions. I affirm I was never late on my payments so my account history should be adjusted to reflect on time payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXXXXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : # XXXX Account Name : radius XXXX XXXX number # XXXX Account Name : XXXX XXXX  Account Numb # # XXXX Account Name : XXXX XXXX  Account Number : # XXXX Account Name : XXXX XXXX Account Number : # XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX Credit Name XXXX XXXX  Creditor Name : Inquiry Date : XX/XX/XXXX Credit Name : XXXX  DATE XX/XX/XXXX Credit Name : XXXX  Date XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action on this issue. 
XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called the dispute resolution center for Equifax and XXXX to discuss removal of a tax lien reporting that falls under the National Consumer Assistance Plan. These items fail the identification process where the name, address and SSI and/or DOB need to be documented to be reported ( the SSI numbers are partially redacted and there is no DOB on file ). In speaking to representatives and their supervisors at both agencies, neither was able to admit they had any knowledge of the XXXX or the Consumer Financial Protection Bureau and how they would effect the now erroneous lien reporting on my credit bureau. They also could not refer me to anyone in their respective organizations that would have knowledge of the XXXX or CFPB. They went as far as to refuse any knowledge of the existence of the XXXX and CFPB and also refused to investigate the possibility that they exist and do in fact offer a resolution to my request to have the incorrectly reported items removed. For reference, I called XXXX  and received an completely different response. The agent was aware of the XXXX, reviewed my credit file and agreed to delete the item in question within 24 hours. I have confirmed that the agent at XXXX has in fact followed through on his statement and that lien has been removed. Kudos to XXXX and shame on XXXX and Equifax. I have attached copies of the items in question so a quick review can confirm they do not comply with the XXXX and should be deleted immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Account, XXXX Account XXXX 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: Credit card or prepaid card

My venture card from Capital One was charged an annual feed of {$95.00} on XX/XX/XXXX. I called Capital One to cancel the card on XX/XX/XXXX and was told by the representative that the {$95.00} fee will be reversed to my account in two weeks. Also she recommended me to change to quick silver card which doesn't have an annual fee. On XX/XX/XXXX, the {$95.00} fee has not be reversed yet. When I called Capital One again, I was told the {$95.00} fee won't be reversed to my card. I am requesting an investigation to listen to the recorded conversation on XX/XX/XXXX and refund the {$95.00} fee.
Product: Credit reporting or other personal consumer reports

These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.
Product: Debt collection

They are calling my work place and multiple times a day even within a couple hours the first call. I took pictures over a week and they call usually 3 or 4 times a day. When I answer its just a Robo call. I would stay on the line and at the end of the pre recorded voice it just hangs up so I cant ask them to stop.
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. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 168s-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 or other personal consumer reports

I have been a victim of identity theft and fraudulent activity, which has led to multiple inaccurate and derogatory accounts being reported on my credit file. Despite submitting multiple disputes with substantial supporting evidence, the credit reporting agencies ( CRAs ) Equifax, Experian, and TransUnion have repeatedly failed to conduct reasonable investigations, correct inaccuracies, or comply with federal law.

Fraudulent Accounts & Inquiries Persist Despite Disputes Several accounts tied to identity theft and fraud remain on my credit report, even after filing FTC Identity Theft Reports and submitting police reports.

The CRAs have ignored the legal requirement to block fraudulent information under 15 U.S.C. 1681c-2 ( FCRA ).

Failure to Conduct a Reasonable Reinvestigation Per 15 U.S.C. 1681i ( a ), credit bureaus must conduct a reasonable reinvestigation when a consumer disputes an item. Instead, the CRAs blindly relied on furnisher responses without validating supporting documentation.

No tangible evidence was ever provided by the creditors verifying the debts as legitimate, yet the CRAs upheld the reporting.

This violates the CFPBs enforcement actions against sham investigations by CRAs.

Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), CRAs are required to maintain accurate reporting standards.

Despite multiple disputes, the CRAs continue to report outdated, incorrect, and unverifiable negative information.

The CFPB has already sanctioned CRAs for violating these accuracy standards, yet these errors remain.

Unauthorized Hard Inquiries Damaging My Credit Score Unauthorized hard inquiries related to fraudulent accounts remain on my report, despite the fact that I never applied for credit with these institutions.

Per 15 U.S.C. 1681b ( f ), CRAs must ensure that only permissible purpose inquiries are recorded.

By refusing to remove these inquiries, the CRAs are in direct violation of the law.

Failure to Properly Investigate & Validate Information from Furnishers The CRAs have rubber-stamped inaccurate information provided by creditors without conducting independent verification.

Under 15 U.S.C. 1681s-2 ( b ), creditors must provide verifiable evidence upon reinvestigation.

The CRAs have continued reporting fraudulent, unverifiable, or misattributed accounts without requiring proper validation.

Failure to Remove Obsolete & Charged-Off Accounts Several accounts that have been charged off and/or securitized remain improperly reported, violating FCRA time limitations ( 15 U.S.C. 1681c ).

Certain accounts that were legally transferred and discharged via securitization should no longer be reported.

Failure to Properly Respond to Prior CFPB Complaints Previous CFPB complaints resulted in generic template responses.

No real investigation or compliance action was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank continues to report inaccurate information to the the major credit bureaus ( Experian, XXXX & XXXX ). Just recently I filed a complaint with the Better Business Bureaus regarding the inaccurate information being reported. I have tried on numerous occasions to resolve this with XXXX XXXX directly but every time I contact them, Im told that they can not assist me because all of my information has been archived and my account was sold to a collection agency. I have explained to them that no collection agency is reporting on my report, it is only them ( XXXX XXXX Bank ). I was also just made aware that my credit score dropped 19 points when I contacted Experian to find out why, I was told that XXXX XXXX Bank reported a recent charge off as of XXXX XXXX, the account the are reporting falsely was first reported in XXXX. They are re-aging my account and providing more inaccurate information, which should be illegal to do, ( please provide me information on this ). 

I believe they recently reported to retaliate for the complaint I filed with the B.B.B Please have them remove this account immediately. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Credit Inquiries To Whom It May Concern, ** FIRST REQUEST ** This is my *First* request on the removal of these errors on my consumer reporter. I discovered multiple hard inquiries that's shown on my consumer report which have known actual accounts. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. If accounts are not removed within the next 30 days, I will be taking legal action but this is something I really do not want to do. I discovered these things today XX/XX/XXXX. Please get back to me at your earliest convenience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. It is urgent that I hear from you urgently, as this hard inquiry is impacting my XXXX XXXX. I anticipate your response. 

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

According to 12 CFR Part 1016, I have the right to privacy. On XX/XX/2022 I walked into the dealership approved for a vehicle. I noticed that on XX/XX/2022 that I have several inquiries from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX that I did not consent to. I was already approved through XXXX XXXX and did not see a need for these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company A - XXXX  XXXX XXXX - reported when a fraudulent purchase put an unknown balance on my card and it became past due because the company failed to notify me. 

Company B - XXXX - put me over the limit with their own fees and never called me or emailed me to reduce the balance.
Product: Money transfer, virtual currency, or money service

I am writing to XXXX, express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. XXXX informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's indicate that Zelle has not neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.