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

XX/XX/year>, I received a letter from Experian indicating that they did a reinvestigation of my disputes. My disputes were of the following for inaccurate name, which they were provided two forms of identification : my drivers license and my XXXX XXXX  In addition, I also disputed with them the telephone numbers and addresses that were listed and when they replied they only got rid of the telephone numbers however they are still mispelling of my name and the inaccurate addresses still show. I did attached the supporting documentation to validate my dispute and requests the records to be updated promptly.
Product: Vehicle loan or lease

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit card

On or around XX/XX/2023, I received an adverse claim/ letter of denial from American Express denying me an extension of my credit which is a prohibited act constituting discrimination according to 15 USC 1691 and 12 CFR 1002.7 a creditor shall not refuse to extend credit. And according to 15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

And According to 12 CFR 1002.16 ( b ) ( 1 ) Any creditor that fails to comply with the requirements is liable for punitive damages up to {$10000.00} for individuals.

I then proceeded and mailed a Notice of Federal Violations to the CFO and to the address on the face of the denial letter.

Application Reference # XXXX See attached
Product: Credit reporting or other personal consumer reports

I never gave anyone permission to pull my consumer report. These inquiries are identity theft ; please remove them
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Discover regarding their handling of a dispute I initiated concerning inaccuracies in how an account appears on my credit report. On XX/XX/year>, I mailed a dispute letter to Discover, highlighting that this account displays incomplete and inaccurate details on my credit report. Specifically, the last payment date is missing from all three credit bureaus, and XXXX is missing both the high credit amount and the credit limit amount. Additionally, despite all payments being made on time, this account is being reported negatively. Due to these discrepancies, I requested the swift and permanent removal of this account from my credit report. 
To support my dispute, I included a copy of the relevant section of my credit report showing how the account is currently being reported. Despite my clear request and supporting documentation, I have not received any response from Discover to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I saw 30 days late remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks. 
BK OF AMER XX/XX/2020 XX/XX/2020
Product: Money transfer, virtual currency, or money service

Company name : Coinbase, website : https : //www.coinbase.com I made a transaction in coinbase. During the registration, it asked me for last 4 digit of social security number and my residence information, I provided all the information. 

I was able to made transaction on ( XX/XX/XXXX ) and, it was promised to me that XXXX ( cryptocurrency ) will be available with in a week ( XX/XX/XXXX ). 

when XXXX ( cryptocurrency ) was increased from {$100.00} to {$300.00}, company told me that they can not transfer the XXXX. 

It is a loss to me, if they denied me during the transaction itself I could go for to other exchange. 

I did the transaction of {$2100.00}, my account was showing the limit of {$3500.00}, so it was with in the limit. limit couldbe increase if I upload my id. during the transaction they did n't ask me to upload my ID for this amount of transaction. 

Please check the attchements
Product: Debt collection

I rented an apartment in XX/XX/XXXX from Mosaic at XXXX XXXX XXXX in XXXX XXXX, FL. I broke my lease XX/XX/XXXX due to a very bad situation which we had to involve the police. The XXXX at the apartment complex worked with me and in the end, I only owed {$1700.00}. I made my last payment on XX/XX/XXXX and my account balance was XXXX on my apartment portal. XX/XX/XXXX I received a call from XXXX which is Rent Debt Automated Collections, a collection company stating they represent the new owners of the apartment complex, Waterline Apartments in XXXX XXXX and I still owed that amount and they were going to report it to my credit report. XX/XX/XXXX I emailed my proof to the collection company. 2 days later I called collection company and he confirmed they received my email and said he saw the proof I sent. XX/XX/XXXX, the account appears on my credit report on XXXX XXXX as an unpaid collection. XX/XX/XXXX I spoke with XXXX at the collection company XXXX ( direct # ) and he said upper management would take a look and call me back. He confirmed my proof was in the system and my account had a XXXX balance and was paid. XX/XX/XXXX I spoke with XXXX and he said he spoke with XXXX and it would be removed from my credit report. Now, it shows as " Account Paid in Full was a XXXX '' but it never should have gone to collections because it was paid in full and never a collection. I want this removed from my credit immediately as it has caused my XXXX XXXX to plummet and my other creditors have noticed and are reducing my credit balances which is also hurting my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Random account appeared in a collections account from XXXX. I have never done business with XXXX, and have no correspondence from any company by that name. Submitted dispute online through XXXX  on XX/XX/XXXX, on XX/XX/XXXX I received an email stating that my dispute has been completed. When I attempted to log into the account, once I entered my information, I received an error stating my session had timed out and I must re-enter my information. After re-entering, it told me that the information entered in does not match records and was unable to access the results of the dispute. I called XXXX for an update on the confirmation number XXXX, and they told me that a dispute was never filed. When they opened the confirmation, they said it was only a consumer statement was added. Was advised that I would need to submit another dispute over the phone with XXXX. 
I also disputed this information with Transunion, and received the confirmation email also on XX/XX/XXXX. Today is XX/XX/XXXX and I have yet to receive a resolution on this dispute. It seems like these credit reporting agencies have no one else holding them accountable for following through with these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social  security number. As well as the consent I gave them to report anything ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to a car dealership to apply for a car. XXXX XXXX XXXX said only they were gon na pull my credit report! However 6 more places pulled my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2021 Ive had {$40000.00} taken from me by Citibank. I was told that my account would be closed and I had to wait 30-60 days to receive any money but XXXX is coming and this put me at a major disadvantage because now I literally have no money until Im able to clear up my account.
Product: Credit reporting

I had a property in XXXX, Oregon with a mortgage with XXXX Bank of XXXX. An XXXX Deed was filed on XX/XX/XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX Indiana sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX XXXX YEARS to finally finished the foreclosure of a property they already owned in XX/XX/XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter concerning incorrect information on my credit report, specifically with TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following discrepancies on my credit report. However, to date, there has been no response from TransUnion. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the inaccuracies and required corrections are as follows : Account : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please remove this account from my credit report, as it is not mine. 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Request : I require verification of the accuracy of the reported information, including the balance of {$190.00}. The account is presented as closed and charged-off, and I dispute the reported past due amount. Kindly mark this account as disputed to prevent further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Original Creditor : XXXX XXXX Request : Please remove this account from my credit report, as it does not belong to me. 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Request : I dispute the accuracy of the reported information, including the original creditor, XXXX XXXX XXXX XXXX, and the balance of {$6800.00}. I have never had any contractual relationship with this company and dispute the reported information. I request verification of the Date Opened and Date of First Delinquency for this account.
Product: Credit card

I signed up for internet web-hosting a few years ago. About 6 months ago I cancelled the service. The company is still billing my card. The company doesnot provide telephone access any longer ( starting from XXXX ) and the chat system they provide as an alternative does not work. 
The company is called XXXX. 
The credit cvard company will only provide a phone number but tat number, as I mentioned earlier, does not work. 
I have no way to cancel my account an the credit card company will not deal with pendoing charges.
Product: Mortgage

seneca this mortgage servicing is on my credit report, It belong to my hubsand who is decease. so they put it on my report. my name was not on this mortgage.
Product: Debt collection

In XX/XX/year>, I received a written communication from Transworld Systems Inc. ( TSI ) regarding a payment of {$470.00} owed to XXXXXXXX XXXX  XXXX XXXX XXXX, an XXXX XXXX XXXX XXXX XXXXXXXX, Florida. I contacted XXXX via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case, but I have not been able to contact the detective assigned to a previous case of identity theft involving my personal information in order to add this information to the open case. I have never lived in XXXX XXXX, Florida, and this issue is due to identity theft. I have an open case with the XXXX XXXX XXXXXXXX XXXX Police XXXX XXXX XXXX XXXX, Florida ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my FL Drivers ' License. 

Attached to this complaint are the following : XXXX. Letter from Transworld Systems Inc. describing the delinquent account at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX. XXXX XXXX Police Dept report XXXX ( open case regarding identity theft associated with my Driver 's License ). 
XXXX. Letter from Florida XXXX XXXX XXXX XXXX and Motor Vehicles notifying me that a fraudulent copy of my Drivers ' License has been discovered.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I was living with my ex and she had gotten upset that I had left her and she wanted to ruin my credit. She did this by going on her phone using my information to make an account and rent a house and I pay it back, but put it under my name. Then I got the report that my credit was lowered because of this even whenever I did not authorize the charge she has since then been charged.
Product: Checking or savings account

I received an email on XX/XX/2023 @ XXXX that an account had been opened in my name which I did not open and that a debit card was being sent to me. Upon going to the bank website I found that a checking account had in fact been opened in my name using an address from 6 years ago and labeled as investment/trust. The next morning I immediately called BOA and told them there is no way possible anyone should be able to open anything in my name without my consent that is fraudulent and they need to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT XXXX XXXX AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH EQUIFAX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Collection/Charge Off XXXX XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX {$4500.00} Late Payment XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi, We have summited to our bank proof of insurance more then 2 months ago and they keep charging us for insurance and not refunding the escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX XXXX XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account Balance date was updated, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supporting documentation proving and showing inaccuracies for the negative account XXXX # XXXX. Now to get to the nature of my dispute for XXXX # XXXX -1. Reporting 3 different Date of 1st delinquency and date assigned to 3 Bureaus XXXX2. Reporting 3 Date of last payments. 4. Reporting 3 different balances to 3 different bureaus. 

By looking at the documentation I submitted these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying balance date updated. this ws not the nature of my dispute. it's obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I submitted to them. Its obvious the issue is no one from no person from XXXX XXXX  was contacted for the dispute and no evidence was submitted because there is 3 different reporting on these issues with 3 different bureaus about the nature of my dispute. 
I have proven that deletion is the only outcome which was the the determination XXXX  came too
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with documents the their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my request to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a followup complaint to my previous two complaints, # XXXX and # XXXX against Equifax XXXX XXXX  and customer.care@equifax.com., which are part of the Equifax credit-monitoring services. In my previous complaints, I had complained that I could not access my supposed XXXX XXXX account because I had not been provided with the means to create a password nor had XXXX XXXX, Equifax, provide me with a password. 
I had tried numerous times to remedy this situation with XXXX XXXX, customer.care@equifax.com, and Equifax by signing in to their sign-up site, calling them with the their stated telephone numbers, and e-mailing them. I tried again this weekend -- XX/XX/XXXX and XX/XX/2018. All of my efforts were of no avail.
Product: Vehicle loan or lease

In the spring of 2020 I attempted to setup autopay with American Credit Acceptance and was under the impression through their website I had enrolled my debit card to auto draft on payment dates. During this time I took a long vacation, but had ensured during my extended time away I had all my financials updated and set to be paid accordingly. In XXXX of 2020 my auto loan was over 30 days behind, and the lender marked this as a repossession. At the time I was made fully aware of the situation, I paid all outstanding fees, along with my late fees the moment I found out of the issue. In doing so, I demanded that they mark this as a late payment only, and not to be classified as a " repossession '' since I was willing to pay all fees involved and this was not a result of me not being able to pay the monthly amount. They told me they would only have this marked as a late payment, and I settled the entire balance immediately. This year I refinanced my truck with my bank to get better terms, and because of how difficult everything with American Credit Acceptance had been during the time I used them as a lender. Now, I am trying to buy a house, and my credit report is showing " auto repossession '' and making it very difficult for me to get approved for any mortgages.
Product: Credit reporting or other personal consumer reports

I am writing as a follow-up to my previous correspondence disputing inaccuracies in my credit report, specifically regarding accounts erroneously marked as included in bankruptcy and accounts reflecting incorrect late payment histories. To date, I have not received a substantive response addressing my concerns, nor have the requested corrections been made. The continued misrepresentation of these accounts constitutes a failure to uphold the investigatory and reporting standards mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Failure to Adhere to FCRA Standards I am compelled to question the thoroughness and integrity of the verification process conducted in response to my dispute. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information. Given that these inaccuracies persist despite my dispute, I request clarification on the following points : 1.Verification Procedures : What specific steps were undertaken to verify the accuracy of the information provided by the furnishers?

Did the furnishers supply documented evidence substantiating their reporting?

2.Compliance with FCRA Requirements : The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy in credit files. Why has demonstrably false information remained on my report?

3.Deficiency in Investigation : The failure to rectify these errors suggests an overreliance on creditor-furnished data without independent verification. How does your bureau ensure compliance with the investigative obligations set forth under XXXX XXXX XXXX XXXX ( XXXX   ) and similar case law? 




Immediate Corrective Actions Required To resolve these discrepancies and restore the integrity of my credit file, I demand the following actions : Immediate Removal of Erroneous Information All incorrectly reported bankruptcies and late payments must be expunged.

Disclosure of Investigation Findings Provide a comprehensive written statement detailing the methodology and criteria applied during the reinvestigation process.

Written Confirmation of Corrections Issue a formal confirmation indicating the completion of necessary amendments to my credit report. 

Final Notice Before Regulatory Escalation Should you fail to rectify this matter within the legally mandated timeframe, I will be compelled to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. Additionally, I reserve the right to pursue legal remedies under 15 U.S.C. 1681n and 1681o, seeking statutory damages for noncompliance. 

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