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

NCB told me they didnt have to close the account they keep attempting to collect and that they were not able to locate a discharge order. Their account was discharged XX/XX/2021. This account needs to be updated with the credit bureaus to reflect as such. The account is no longer collectible and shouldnt remain as a open collections account. I am not responsible for this debt. Failure to comply I will forward to my attorney for further attempts to violate bankruptcy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 unauthorized charges were made to my credit card. I called the bank and informed it. The claim was approved and they refunded the total amount of this charges and issued a new credit card with new information on it ( New number, new expiration date, new security code. 
In XXXX, another unauthorized charges were made. A new claim was filed but this time was denied. I requested to reopen the claim but they denied again alleging that the charges is a subscription or reoccurring bill. I called XXXX and they informed me that there were multiple XXXX ids involved on this transaction making this purchases suspicious. 
Again, in XXXX more unauthorized charges were made to the new credit card and this time they approved the claim. 
Their letter response doesnt show any type of investigation. They just assumed based on history of purchases and type of the purchase ( subscription/ reoccurring bill )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Subject : Complaint Regarding Inaccurate and Inconsistent Credit Reporting of Student Loan Account To the Consumer Financial Protection Bureau : I am filing a formal complaint regarding the inaccurate and inconsistent reporting of a closed federal student loan account ending in XXXX, previously serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and now overseen by XXXX and the U.S. Department of Education ( ED ). These issues are ongoing despite multiple attempts to resolve them, and they violate the Fair Credit Reporting Act ( FCRA ). 
Details of the Complaint XXXX. Inaccurate and Inconsistent Reporting Across Credit Bureaus The reporting for this closed student loan account is inconsistent and inaccurate across TransUnion, XXXX, and XXXX : Account Open Date : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not reported Date of Last Activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not reported Account Status : TransUnion : Transferred XXXX : Paid XXXX : Not reported These discrepancies directly violate FCRA standards for accuracy, consistency, and completeness in credit reporting. 
XXXX. Failure to Provide Complete Payment History Despite multiple requests to XXXX and ED, I have not been provided with a complete payment history, including : The dates and details of missed or late payments. 
The date of first delinquency. 
The date the account became negative. 
The dates of last activity and last reporting. 
Without access to complete and verifiable records, I can not determine the accuracy of the reported information or address these inconsistencies effectively. 

XXXX. Suspected Data Loss or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is no longer in operation, and I believe the transfer of this loan to XXXXED may have caused data loss or reporting errors. The continued refusal to provide supporting records or correct the discrepancies further compounds the issue.
Product: Debt collection

Just noticed I have a derogatory remark on credit report from XXXX XXXX. I have fought this before as a stolen identify case with another company. This time it states I opened an account XXXX XXXX XXXX when I have been XXXX overseas since XXXX I have not owned XXXX XXXX nor will I ever. They can not provide me with contract details or even the address that I supposed open this account. Police reports have been filed and sent to credit monitoring companies to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XXXX XXXX XXXX reporting to credit bureaus that my name is on the following account as a co-signer. This is not correct. I did not co-sign for this loan. 

Account number XXXX Wells Fargo Case Number ( for dispute I opened XXXX : XXXX Wells Fargo sent me a Fraud Packet to complete and return to them for further investigation. This packet includes their requirement to file a police report and send them a copy as well as a signed, notarized statement indicating that I would support the civil proceedings against the fraud perpetrator. 

I will not complete the Fraud Packet request. However, if I must, the police report will reflect the perpetrator as Wells Fargo XXXX XXXX XXXX. 

I see in 2016, Wells Fargo Bank was held accountable for similar actions to the amount of {$3.00} XXXX in penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report I noticed items that were not mine and other items that are fraudulent that I never authorized. I sent some letters to XXXX Transunion, and XXXX but they said they completed an investigation and they were verified. I even have an FTC report that shows what was fraudulent.
Product: Money transfer, virtual currency, or money service

Coinbase let me transfer funds to a fraudulent site. I lost over {$15000.00}
Product: Credit reporting or other personal consumer reports

I was really taken aback to discover inaccurate accounts on my credit report this morning. I have no idea what caused this. I reviewed my report as I typically do, but suddenly there were discrepancies. I tried refreshing my browser to fix it, but the errors persisted. I need the documents Ive provided to be reviewed carefully so I dont have to stress about this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes for the last FEW YEARS that the credit bureau has failed to properly respond to. CFPB does not appear to be holding them accountable for the egregious FCRA violations, thus unverifiable and erroneous items have been continuously negatively impacting my credit file.
Product: Money transfer, virtual currency, or money service

I bought a Digital Product with a scammer by using Paypal invoice.When i paid, the seller did not send me anything about what i bought.then I reported it to paypal and Unauthorized it, Paypal just auto canceled my open case, that's can not do again. I need my money back, I did not get anything.I have everything communication record with the seller to prove he is scammer.
Product: Credit card

I recently applied for a secured credit card from Capital One. On XXXX XXXX, 2015, I received written notice my application was accepted and I needed to forward a refundable security deposit. I made an online transfer from my bank for {$500.00}. Capital One received payment on XXXX XXXX, 2015. Approximately two weeks later I received my card. Today, XXXX XXXX, 2015, I attempted to sign up for online banking with Capital One and, after completing the application, was told my card was restricted. I did a bank chat and was told to call XXXX. I called the number and it was the fraud department. I was told the company determined I was not the one who opened the account ( I definitely did! ) and that my application was fraudulent. When I pressed for details, asked why they took the {$500.00} from my account and how they determined the fraudulent status without contacting me, I was told they did n't have that information. When I, again, questioned the withdrawal of {$500.00} from my account, I was told " if you really want to get it back you need to call from your bank and have your identity proven by a bank representative. '' The phone representative was equally evasive when I asked why I had not been contacted by the bank and why the company would have send me a card if the application was deemed fraudulent. Still, no reasonable response. I was told that I could reapply if I wanted to. Needless to say, I want no further dealings with Capital One but I DO WANT MY {$500.00} DEPOSIT BACK!
Product: Credit reporting or other personal consumer reports

First I reached out to my hometown police department and notified them of identity thieft. I was told to notify the credit bureaus and let them know and they will take care of everything. ( since the accounts not that big in dollar amount ) I notified Transunion and XXXX about inaccurate information on my credit report. A identity theft alert was place on my credit reports ; but the accounts are still reporting on my credit reports and should be remove. Only one account has been removed. Ive also ask the debt collectors to send validation of debt ; and still havent received any validation. Validation consists of ; 1. agreement thats grants you the authority to collect on the alleged debt, 2. Documents that indicates that I agreed to pay someone this some of money.

3. What is the original amount owe and complete payment history. 
USC 1692g SEC 809 ( b ) Please send me a response to my complaint via email. I XXXX XXXX is writing this complaint on behalf of myself and will like my response back through the same portal I sent my complaint. 

Ive also sent an affidavit form in before through the mail; but received a letter back in the mail that said I had to make a police report. So I did go to my police department and thats when I reached out to the credit bureaus and they placed an alert on my credit reports but did not remove the accounts.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXXXXXX XXXX I received a text alert that my Chase Freedom credit card was used to make a {$75.00} purchase at a XXXX ( I receive text alerts each time that credit card is used ). I was at work in XXXX, Florida at the University XXXX XXXX XXXX at the time of the purchase, which was made in XXXX, Florida. The card was with me at the time of purchase. I immediately reported the purchase as fraud to Chase and was issued a new credit card. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX, saying that since my card has a chip they can't confirm it was a fraudulent charge. The letter also said I had 14 days to reply or they would " finish our review and share our final results with you. '' The 14 day deadline is pretty absurd, considering I received it 12 days later. I opened the letter after hours and called the general fraud line, and was told by the rep, again, that the purchase was made " with the actual card. '' This is physically impossible. In fact, she said the card was swiped, not inserted. She provided an email address for me to send my time sheet to, to prove I was working. 

On XX/XX/XXXX I sent my time sheet to the provided email address. I also called the phone number from the letter, which connected me with XXXX 's voicemail box and I left a message. 

On XX/XX/XXXX at XXXX XXXX XXXX returned my phone call. He said what the other rep said, and added that the charge will be put back on my account. He read of the purchases : a XXXX cent water bottle and two XXXX gift cards. I told him that gift cards are commonly purchased with stolen credit cards. Again, I insisted I did NOT make the purchase and he offered to escalate me to a supervisor. I emailed his supervisor my timesheet ( he stated he had no record of me sending the time sheet the first time ) as well as location services information from my XXXX, showing I was in my office six minutes before the purchase was made. 

Between XXXXXXXX XXXX and XXXXXXXX XXXX  I spoke with the XXXX Police Department, XXXX XXXX County Police Department, and XXXX Police Department. I was advised by the XXXX rep to file a report online with the XXXX County Sheriff 's Office, which I did around XXXXXXXX XXXX. 

At XXXX I received a phone call from the Chase supervisor, who told me my documents and case will be moved to the Dispute Department. I'm a little concerned about this since it's not so much a disputed charge as it is fraud. She assured me they will investigate the charge and get back to me within ten business days.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent. I just got out of XXXX  and these accounts are not mine 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX a debt was removed from my credit report. Equifax has not removed negative information from my credit report even though I disputed the debt has been removed by XXXX for the amount of {$1500.00}. Experian and XXXX XXXX has honored XXXX 's request. Also have a problem with equifax when it comes to using my lock and alert account equifax continues to lock this account making it useless or difficult to manange. Attaching a copy of XXXX 's direction to all major credit reporting agency 's. Equifax has not updated my personal information my name is XXXX XXXX, legal name change as of XX/XX/XXXX. No accounts or credit in the name of XXXX XXXX. Please take XXXX XXXX off my credit report the other credit agency 's have.
Product: Credit reporting or other personal consumer reports

I recently sub

mitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ong
oing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

i suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I had a couple fraudulent accounts on my credit report, I submitted a complaint here on this site, yet XXXX   claims that it wasn't me whos sent the information so they are not going to block the fraudulent items. How can I prove to XXXX that it Is really me who submitted this complaint? Why are they not blocking these fraudulent accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH XXXX XXXX XXXX ... I HAD NOT. I CALLED XXXX AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH XXXX  AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX? WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD
Product: Credit card

My wife and I had an American Express Credit Card as members of XXXX. XXXX ended their relationship with American Express on XXXX XXXX, 2016. We were issued a substitute membership card from XXXX as of XXXX XXXX, 2016. 

Our last Statement from American Express enclosed a draft for {$78.00} ( and change ) as our rebate rewards for our purchases with the Amex XXXX card. We lost that draft. 

We went to our local XXXX store and asked them to re-issue our rewards draft. XXXX told us that they could not -- only American Express can re-issue the draft. 

I telephoned American Express at their customer service telephone number on their Amex card. I got a recording stating that the credit card was closed. Repeated telephone calls all failed. HOW DO WE GET OUR REBATE?
Product: Mortgage

In XXXX 2017, XXXX XXXX XXXX sold my mortgage loan to Nationstar with mt first payment to Nationstar being made in XXXX 2017. Nationstar is showing account delinquent for XXXX 2017 which XXXX XXXX collected. All payments were made to XXXX and transferred to Nationstar during the course of lender transition. Nationstar was provide all documentation by XXXX XXXX reflecting that my account was current. Nationstar / XXXX XXXX called me in mid XX/XX/XXXX apologizing for the error and indicated my account would be corrected. However, that is not the case.