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

Around early XXXX I contacted the XXXX fraud department to update some inaccuracies on my credit report. There seems to have been a mix-up on the agent 's end as he deleted my current residence in error as there were multiple addresses similar to my current address. This was made in error my current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Since then, I have not been able to access my current credit reports and scores. I have provided the documents that were requested by XXXX to verify my identity. I am in the process of purchasing a home, this is affecting my purchasing. 

There are also fraudulent items that do not belong to me, and I have included my FTC in my previous complaint.
Product: Money transfer, virtual currency, or money service

I was using Robinhood for multiple months making small investments when suddenly my account got restricted. I contacted them multiple times and they said they needed to fix my identity so they had me submit a photo of myself, my ID, even my social security multiple times and they would say they would get back to me but never did. My account says it has been permanently closed and will not be reopened, but I still have stocks that they wont just let me withdrawal. I even submitted bank statements to them.
Product: Money transfer, virtual currency, or money service

I was getting scammed from my XXXX XXXX cash app account and when clicking contact support there would never be a number for me to call I've had people try to request money not knowing who it's from etc.
Product: Credit reporting or other personal consumer reports

I have an account on my experian credit report with national credit adjusters for XXXX dollars. Experian says that my account was scheduled to be removed XX/XX/2023, but the account is still showing on my credit report as of XX/XX/2023. I disputed this account on my credit report, but experian will not remove the account and now I do not see the removal date on the account when I look. I am able to go to my previous credit reports on experian.com and see that it clearly says the account will be on record until XX/XX/2023.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE REPORT It contains items submitted today to government entities that XXXX XXXX will not address and accept. 

XXXX XXXX REFUSES to remove hard inquires from my report that are fraudulent. I did not apply for a XXXX at any time, and two accounts listed ( XXXX AND XXXX XXXX XXXX ) still remain. The other agencies have removed these. 

I was denied housing, one of the reasons was THESE HARD INQUIRIES as stated on the adverse action. 

ANOTHER was the fact that they continue to list the last fraudulent account out of 25 or more that were made while I was medically incapacitated and LEGALLY unable to make decisions for myself or take out loans etc. 

This was done DIGITALLY and since the person had access to ALL of my personal information and bank account, I had no idea it was done, had been done, or received any monies from the transaction or goods - or could have know of their existence. 

These items need REMOVED. 

EQUIFAX is also reporting the XXXX XXXX account and refuses to remove it. 

XXXX refuses to remove two items, including a XXXX account and the above mentioned XXXX XXXX account. The XXXX account was taken out during the same time frame in XXXX, but as many others did my LEGAL NAME was not used when opening it. I have asked for a SIGNED copy of the report, but it does not exist. The vendor stated " it was digitally signed. '' This fact made it EASY for someone to open this and over 25 otrher accunts as all they needed was my information and bank account info. NO attempt was made to contact me to verfy, or ANY other type of verification. This behavior is and continues to be reckless, and the company has nothing to lose as it then harasses vicitms to repay the monies taken out illegally, compounding the problem with PREDATORY behavior. In their own words ( and XXXX XXXX SAID THE SAME ) " we don't care who pays it someone will - whether they took out the loan or not. '' They are revictimizing people with this behavior. 

FURTHER, the XXXX account was opened with a false name I do not use, and had charges made XXXX miles from where I live in a short period then apparently thrown away. 

I have attached all the needed documents to do remove these and identify me. 

I AM NOT MAKING THIS DISPUTE IN ERROR. 
I AM NOT MISREPRESNTING FACTS. My XXXX through XXXX and the documented reports from LAW ENFORCEMENT ( APS ) verify both the injuries, circumstances, and the crimes committed against me. 
I HAVE NOT RECEIVCED GOOD OR SERVICES AND AS A REULT OF MY DISABLING INJURY COULD NOT HAVE BEEN AWARE OF ANY GOODS, MONIES OR SERVICES RECEIVED. 

The agencies CONTINUE to send CANNED responses simply stating I did one of the above. 

IT IS NOT THE CASE. 

I HAVE SUBMITTED FTC ( newly filed today ), CFPB ( NEWLY FILED TODAY ), XXXX and LAW ENFORCEMENT ( APS ) files to the agencies. XXXX IS A LAW ENFORCEMENT AGENCY AND HANDLES VULNERABLE ADULTS LIKE MYSELF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to a consumer 's dispute within 30 days. If the review isn't completed, the agency is obligated to remove the disputed error. 
As of XX/XX/2021, Experian has failed to respond in my certified request letter asking to validate the accuracy of their investigation regarding the following accounts ; XXXX XXXX. Account ending in XXXX, XXXX XXXX Account ending in XXXX, XXXX. Account ending in XXXX.
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as
soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of idenity theft. the following items are reporting on my credit profile and they do not belong to me. a collection account from XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the following INQUIRES do not have my authorization XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX via XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX such as XXXX XXXX all of this XXXXnformation is incorrect! ad i demand this be removed from my credit profile i have reached out to each beures several times and they still continue to report these inacuracies on my credit report this is completly unfair. I have filed a Identity theft report on Identitytheft.gov and I will attach this file with this complaint.
Product: Money transfer, virtual currency, or money service

I created an account with coinbase about 2 months ago. I put some money into some virtual currency, and I also verified my identity through their system. I sent them all the information they requested, and I had no problem so far. I have not tried to access the account from different places or anything. However, about a week and a half ago I tried login into my account and I kept getting an error regarding my account being disabled until I provided more information. The error reads : Dear XXXX Your account has been disabled. Please contact us at XXXXXXXXXXXX immediately and provide us with a copy of a photo ID and proof of your current address to regain access to your account. Respectfully, The Coinbase Team I tried reaching out to them by the email mentioned there, but they had an autoreply that was directing me to a different portal. I contacted there twice. Three days after I got a response saying that they are investigating the issue. It 's been 3 days more and there is still no response. I email them back and they do n't reach back to me. I have no other mean to communicate with them. It is just really inconvenient that this happens right when the price of bitcoin is high. I feel like there is no other means I can use to contact them and I am not sure what else to do.
Product: Checking or savings account

I opened two accounts online with Citi on XX/XX/21 and initiated bank transfers for XXXX $ and XXXX $ to fund the accounts. On XX/XX/21 Citi 's online banking system did not show the transactions so I called and spoke to two Citi representatives on XX/XX/21. One advised me that the transactions had been rejected, and another advised me that I did not initiate any transfers and that no money would be withdrawn from my initial accounts. Given the conflicting information I was provided, I closed the accounts. On XX/XX/21 Citi withdrew the money from my initial accounts despite being assured that no transactions had been processed and having closed both accounts. On XX/XX/21 I noticed the money had been withdrawn from my initial funding account. I called to understand where my money was currently. Again, I received conflicting information. First, I was told that the transactions had been rejected ( by one rep ) and should be returned to my initial accounts within 4 business days. Then, I was told by different representative that they received my money on the closed accounts and would be mailing a check to refund the money. 

I would expect a banking institution to be able to tell me where exactly my money is and provide consistent answers across representatives.
Product: Credit card or prepaid card

HSBC credit card XXXX XXXX XXXX this is the cc # i filed a complaint and received a letter from them stating they were refunding my credit and closing the card, i never received the refund and they continue to send statements. i received a letter that you closed the complaint but i want to reopen it
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be remove from my credit.

XXXX 1. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

2. Identity Theft SYNCB/PPMC Date of inquiry : XXXX  This is not mine.

4. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

XXXX  1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX  Date of inquiry : XXXX  This is not mine.

4. Identity Theft XXXX  Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX  Date of inquiry : XXXX This is not mine.

XXXX 1. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX  Date of inquiry : XXXX  This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>, and notice some things are still incomplete and not accurate. Account are still not updated. According to the fair credit reporting act 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 the report relates 15USC 1681 ( a ) Accuracy and Fairness Of Credit Reporting.These Accounts XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. I have attached my dispute document below with for these accounts All disputes are authorized by me and sent by mailing service that I use, it is not illegal to use a mailing service. Equifax please investigate my specific dispute authorized by me attached below. 


[ XXXX XXXX XXXX XXXX ] This account is not reporting consistent with the other Consumer reporting agencies on XXXX and XXXX. This account is inaccurate and incomplete ( Please see attachment first dispute attachment labeled XXXX below. 


[ XXXX XXXX XXXX ] Open date is not reporting incorrectly, Balance is not correct and inconsistent, Date last activity is not correct and is inconsistent with XXXX and XXXX reporting, date of last payment is not correct and is inconsistent with XXXX and XXXX reporting. No balance and balance owed is reporting. 

[ XXXX XXXX XXXX XXXX ] This account is not reporting consistent with the other consumer reporting agency on XXXX. This account is inaccurate and incomplete ( Please see XXXX attachment labeled XXXX. 

XXXX XXXX XXXX account is reporting incorrect Date of last activity and is inconsistent with XXXX reporting, Last payment is incorrect and is inconsistent with XXXX Reporting. Date reported is inconsistent with XXXX reporting. Account is showing a balance. You can not report a balance on a charged off account.
Product: Mortgage

Spoke with XXXX XX/XX/XXXX Carrington customer service about my forbearance request and documents that was emailed, faxed XX/XX/XXXX and XX/XX/XXXX. XXXX she was rude and hateful. Documents that were sent was requesting a Covid-19 forbearance and my burrower authorization. I was told they were received XX/XX/XXXX but were not uploaded to my file. I explained to her I had received intent to foreclose from Carrington. and I needed my request to be processed. I was affected by covid-19 and now I'm XXXX.
Product: Mortgage

Settled the account in XX/XX/XXXX the last transactions in the beginning of XX/XX/XXXX accompanied with a hand signed letter saying we would receive a satisfactory of the loan document along with the mortgage note and deed. Now the most recent letter from the bank is saying I'm in default and 30 days delinquent. I have went to the branch in person was told they applied the funds incorrectly on there end and promised me I was good and settled now we owe everything all over again I don't understand how they can do this and get away with it I'm XXXX and feel I have been taken advantage of me I'm still learning and contracts and law is complex and takes time and experience please help me. I want to know who holds the note to this mortgage and I want to know why the banks think they can steal all the escrow then re apply my principal curtilment payment s back to the outstanding balance!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed false information on my credit report in XXXX and I finally heard back from XXXX with no result but they wanted me to send my ID and I have disputed these matters months ago. I requested removal of the inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supp
ose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

And according to 15 USC 1681s-2 they are suppose to 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 looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, 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. 


I would like to request a detailed description of the verification or modification process for each account listed below : XXXXXXXX XXXX Account Number XXXX Credit Limit XXXX {$7100.00} Date Opened : XX/XX/XXXX Description of Verification/Modification : XXXXXXXX XXXX Account Number XXXX LOAN AMOUNT {$49000.00} Date Opened : XX/XX/XXXX Description of Verification/Modification : I am exercising my rights under the Fair Credit Reporting Act to ensure the maximum possible accuracy of the information on my credit report. As such, I kindly request that you provide me with a thorough explanation of the actions taken regarding the mentioned accounts. 


Please look into this matter provide the requested information at your earliest convenience. 


Awaiting your prompt response.
Product: Credit card

On XX/XX/XXXX of 2022 a store card was opened in my name without my consent or knowledge, completely unauthorized by me, by Ulta Beauty.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Equifax received a dispute from me for account XXXX XXXX XXXX, installment account, auto loan. I sent Equifax THIS dispute because i have NEVER been late on my auto loan payment. i have only had my car for one year it is no way possible i was late for 10 months straight!!! i informed Equifax that this was a mistake and informed the creditor. The creditor told me i would have to dispute it with the credit bureau equifax to get it changed. i disputed it, and Equifax VERIIFED THE DEBT, i THEN ASKED FOR A METHOD OF VERIFICATION, FOR THE LATE PAYMENTS. According to FCRA equifax has 15 days to get me the requested information. i am well within my rights to request removal of late payments because this company failed to send me proper notifications and i do not recall missing a single payment. 
EQUIFAX IS IN VIOLATION OF FCRA : 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I REQUESTED EQUIFAX send me the notices and names of people and copies of correspondence from XXXX that they used to verify these late payments. 

EQUIFAX has failed to respond to my dispute, and had committed multiple federal law violations including my privacy of credit file and EQUIFAX did not provide protection and accuracy of credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, please block and remove according to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confiden

tiality 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 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: Debt collection

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.