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

Equifax deleted a bankruptcy off my report and then added it back to my report and i have proof from a report generated by equifax. This is illegal! and must be removed at once! 

Equifax needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires.Factual data is report 2 inquires and i only authorized them once. 

XXXX refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report 2 inquires and i only authorized them once. 

XXXX refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report 2 inquires and i only authorized them once.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with CFPB. The complaint number is XXXX. 

The complaint was closed and stated that I was supposed to receive correspondence from TransUnion regarding how they verified information on my credit report. I have never received any letters or phone calls from TransUnion regarding my issue. 

I am requesting this erroneous information be deleted from my file as they have violated FCRA on multiple occasions. First they did not respond to my original request within 15 days and I have not received any information regarding my CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Debt collection

I have received several notices in the mail at my home for a debt belonging to a person by the name of XXXX XXXX XXXX. I contacted the debt collection agency on several occasions as I receive these notifications every six months. The name of the agency is Collections Unlimited TX Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX TX XXXX phone number XXXX. Each time I receive the notice I contact the agency inform them that I 'm not the person they are looking for and I have never lived at the address which is associated with the debt they are trying to collect which is XXXX XXXX XXXX XXXX. each time I contact the agency they say that my address will be removed and I will not receive any additional correspondence from their office and again six months later I am following up with them to try to resolve the issue this has gone on for the last 3 years. I think I have been extremely tolerant up to this point and now it is getting a little annoying, any assistance you could provide would be helpful.
Product: Debt collection

I have reach out to them the company thew certified mail on XX/XX/XXXX i checked with the US post office web site and the website has informed me that the company has received my communication. I don't know the the collection company i don't have an contract with them i have asked them to provide me with proof of the contract and they have not provide me with this information. 

the dates they have provided me with is XX/XX/XXXX ,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2022 To whom it may concern, One evening, a little over two and a half years ago, I sat down at my desk and started going over my Citibank credit card invoice. I was shocked to see charges on this card, about {$9000.00} worth, that I had not authorized and that I knew nothing about. Contacted Citibank post-haste and informed them of these fraudulent charges they said they would investigate and get back to me. At that time I wasn't particularly concerned because I knew that Citibank had a policy of not charging card holders for fraudulent and criminal behavior. I also studied this fraud and found that they used a device called a " square '' that you could use and only have the card in their possession the first time of use. A few months later I got a letter stating that they would not honor the fraud policy in my case and considered it a " business dispute '' .The only thing that they could misconstrue as a business dispute was the fact that I at one time had considered buying this auto repair shop but I had decided against it very early in the negotiations and I barely knew the shop 's owners. The only way I felt I would get fair treatment by Citibank was to stop paying their bills and compel them to sue me so that I could get this situation in front of an impartial and fair magistrate to get Citibank to do as they had promised and cover this obvious fraud. Sometime later they sent my folder to a collection agency and by the end of the call, a supervisor told me they were going to ship my file back and not take it and if he was he would sue Citibank for criminal behavior. In the meantime every few months Citibank would send me a letter indicating that the issue was still being investigated and that a conclusion would be forthcoming, This has never happened and still I wait. Please understand when I started on this debacle my XXXX credit score was XXXX and I believe that I hadn't been late on a payment in about 40 years. Recently I tried to refinance my home and was turned down flat a direct result of Citibank 's reporting of this unfinished situation. Recently I calculated my loss because of this to be in the tens of thousands of dollars this does not include three stress-related XXXX XXXX that may or may not be attributed partially to this situation. This problem has now been going on for years with no end in sight. Can anyone there help me? maybe by referring me to an attorney that would take this on a contingency basis or reasonable payments. I truly need somebodies help. Please can you help me? 

Thank you for listening, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

I have an account in Coinbase which is a cryptocurrency exchange. They locked my account in early XX/XX/2021 and I am not able to withdraw money, buy, sell or convert crypto. 
I filled out tickets three times and sent to Coinbase support, but every time they said that your case has resolved ; and closed my case without any solutions.
Product: Credit reporting or other personal consumer reports

my situation is identity theft i have attached the forms neccessary to describe. please see attached
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The lists of accounts below has violated my federallyprotected consumer right to privacy and confidentiality under 15 .s.c 1681. XXXX XXXX XXXX. XXXX XXXX
contact info. XXXX XXXX u.s.c. 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 u.s.c 1681c. section ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer reports 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 1681-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting see below has violated my rights. 
Acct XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  XXXX  XXXX  Acct XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct 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 reporting

Account below has been previously removed from credit report and has been reinserted. 
This time they have put fraudulent payments on report to reinsert it. They add a few numbers to the original account number and call it new. I have had trouble with XXXX falsely reporting account information in the past. 
Account was negative/closed in XXXX. Also account shows it was sold to XXXX so they do not have right to reinsert it. Filed dispute several times and experian will not let me dispute it again. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$0.00} as of XXXX/XXXX/XXXX Status Closed. {$660.00} written off. 
Date opened XXXX
Product: Debt collection

This account was opened and created fraudulently by my XXXX whom was staying with me at the time, she suffers from XXXXXXXX XXXX and was using my XXXX and I as a way to fund her habits, she opened a fraudulent XXXX  account, XXXX about getting a settlement check and buying gifts with it, and then sold the account. This collection does not belong to me and the company is constantly calling me.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, which I can not explain. I routinely check my credit report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was a glitch, but the unauthorized inquiries remained. Please thoroughly review the documents I've provided to resolve this issue and put my mind at ease.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is getting ridiculous, And have violated every rule imaginable from the FCRA. I asked time and time again to verify this bankruptcy that is on my credit report. You have not verified anything, the only thing that you have sent was a letter stating that you received this information from XXXX XXXX and they supplied the information which is a lie because my account is Frozen, so they did not supply any information to you neither did the court house. I received a letter from the Bankruptcy court stating that they did not verify any information. The law states that you need to supply persons name and telephone number of which you spoke to, which you have not only verified what you found in public records. No new investigation needs to be had, unless you want to join me in court for maliciously putting incorrect information on my credit report. Please remove ASAP
Product: Vehicle loan or lease

On or around XX/XX/XXXX, I traded in my car. I was informed that I didn't need to take any further action. It was clear that Navy Federal was aware of the trade-in, as I had attempted to trade in with them and was denied. I found this to be unreasonable, as I had never defaulted on a loan and this was my second car with them. My payment for the car not with Navy Federal was due on XX/XX/XXXX. However, as of today, it seems that the new financial company has not paid them, so Navy Federal started debiting funds from my account. I would understand if I were over 30 days late, but I am only 8 days late. I have always paid what I owe and have never been late before, so it is insane to start debiting my account after just a week. I called to speak with a supervisor, who was very indifferent and recited scripted responses. It seems that this may be a common tactic for Navy Federal, as the supervisor hung up on me. I only used the word " XXXX '' in frustration, and it appears that Navy Federal does not care about its customers. This was my first negative experience with Navy Federal, and I have decided that I am done with them. Their deceptive practices and lack of concern are unacceptable.
Product: Debt collection

i got a random bill for a service i never received for almost {$400.00}. all that happened was i asked how long the wait was and got told 6 hours so i went elsewhere because i had an accidental overdue due to misprescription from a doctor. i never got seen, i never got a service yet they insist i owe them
Product: Debt collection

Credit Control , LLC is in violation of the Fair Debt Collection Practices Act ( FDCPA ) in refusing to validate the debt that the company claims I owe to them. I issued a validation of debt and cease and desist order. Credit Control , LLC refuses to validate the debt as outlined in 15 USC 1692g.
Product: Credit card or prepaid card

I got notified by a credit protection program with XXXX that a new inquiry had been requested about my credit at Bank of America. When I spoke to them, they assured me that they took care of the issue and went through the Proper channels to deny the new account. Weeks later I receive a credit card I did not apply for in the mail from Bank of America. When I called Bank of America To dispute the card I later find out that they allowed three more accounts to be fraudulently opened in my name. When the initial incident occurred I put a freeze on all of my credit but evidently the new accounts were opened long after I put the freeze on my credit. How these accounts were issued after there being a fraud alert and notations on those false accounts with my name, I have no clue. This is deeply concerning. To know I took all of the necessary precautions to avoid this from happening again Bank of America still was able to issue cards fraudulently to individuals attempting to steal my identity. This is very unsettling and makes me question the practices of Bank of America. To this day I still have to check in with Bank of America and other reporting agencies to ensure my identity is protected. This has been a nightmare. Just to note Ive never opened an account with Bank of America.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX feet finder Contacted them and they said it had been authorized but these payments I have no clue about
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from XXXX XXXX about a few new inquiries. To my knowledge I have not given any consent to no one to use my credit file without contacting me so Im puzzled to how the inquiries are listed on my credit report. This isnt factual records because I didnt give any consent to open up any new accounts. I am also sending this message and letter as an affidavit and I would like an internal dispute to take place for this matter immediately. The internal dispute shouldnt take no more than 72 hours after receiving the receipt.
Product: Money transfer, virtual currency, or money service

Zelle never gave a warning are a fraud and and I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX  XXXX  Acct # XXXX, XXXX Acct # 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 an account without my written instructions
Product: Debt collection

my car was repossessed due to " non payment '' credit acceptance never validated that I indeed had this debt and I was not given my original contract to validate that this was indeed owed.
Product: Debt collection

I contacted Enhanced Recovery Company XXXX/XXXX/15 regarding a XXXX debt in which I was unaware of. After speaking with a reprensentative who refused to answer my questions I was transferred to a Supervisor named XXXX. After attempting to speak with him he continuously over talked me and refused accept my request of a validation yet tried forcing what he thought he knew on me and forcing me to pay the debt. I understand how cell phone plans work I 'm not stupid and XXXX had no right to deny me a validation of a debt I was unaware of!!! He even had the audacity to ask if I wanted to dispute it or if I wanted a validation like I had to choose between a validation or dispute. XXXX went on to say I had to send the dispute in writing or nothing in his office will be done. Why was my right to dispute this debt and request a validation denied by this company? Why was I forced to choose between a validation or dispute? The notices says dispute the validity of the debt within 30 days or it 's assumed mine. The letter does not state it has to be sent in writing so why was XXXX trying to force me to send it in writing when I clearly disputed it verbally various times? Section 809 of the FDCPA does only require that the collection agency validate in writing when the request for validation is done in writing. But as per the notice I received there is no specific request nor requirement of the dispute or the request for validation to be placed in writing so therefore I feel as though this collection agency is poking fun at the FDCPA. Thus being unfair and violating my rights as a consumer as well the collection agencies that put forth the effort to maintain compliance. Being that a dispute and request of validation are both a form of a dispute they still need to be treated differently as well as investigated properly which this company refused to do. I also have everything recorded.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding the inaccurate reporting of a late payment on my XXXX XXXX XXXX account ( Account Number : XXXX ) by Experian and XXXX XXXX XXXX. 

The issue pertains to a 30-day late payment reported for XX/XX/year>. This reporting is incorrect for the following reasons : 1. The Scheduled Payment Amount for XX/XX/year> was {$0.00}, meaning no payment was due that month. 

2. The account was fully paid on XX/XX/year>, with an actual payment of {$18000.00}, and subsequently closed with a zero balance. 

3. The account status is listed as Paid, Closed, confirming that it was resolved without delinquency. 

This misreporting has adversely affected my credit score and violates the Fair Credit Reporting Act ( FCRA ), specifically : 1. FCRA Section 611 ( a ) : Ensures accurate reporting by consumer reporting agencies. 
2. FCRA Section 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers of information from reporting false or incomplete data. 

I have attempted to resolve this issue by disputing it directly with Experian and XXXX XXXX XXXX. I provided them with supporting documentation, including payment records and account details, but have not received a resolution. 

I request that the CFPB intervene to ensure Experian and XXXX XXXX XXXX correct this inaccurate reporting immediately. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or ( XXXX ) XXXX for additional information. 

Sincerely, XXXX XXXX
Product: Debt collection

For 6 years I have disputed with XXXX XXXX that the debt they placed on my credit report is not mine. The debt is only {$490.00}. I make $ XXXX per year. If I had made that debt, I would have paid it off by now. It hurts my credit. I am in need of credit. Out of principle, I refuse to pay it. That should tell you something. 

The point in the matter is that someone else used the card. I contacted XXXX XXXX and discussed it with them. However, they refused to pursue the case then and they continued to impose this debt on my report. 

Each month they restate this debt on my report. I won't pay it, again out of principle. The debt is not mine. 

Please help me. I finally want this behind me. 

XXXX XXXX Closed ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor Company Sold Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$490.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX  Monthly Payment Past Due Amount {$490.00} Highest Balance Terms Revolving Responsibility Individual Your Statement Comments Credit line closed-grantor request-reported by subscriber CONTACT INFORMATION XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Product: Debt collection

At this point I have sent 5 certified letters to Capital One requesting signatory evidence or any other contractual proof that I opened an account with them. Capital One has sent me 4 statements but has included no evidence or information whatsoever. Capital One has provided absolutely nothing to suggest that this debt belongs to me. 
In a letter from Capital One dated XX/XX/2024 XXXX statements are relevant to this case. The first statement is, ( 'The application you refer to was taken over the phone or the internet, so, unfortunately, we don't have a paper copy to send you. We're sorry for any inconvenience. ' ) The first statement states they can offer no proof that this debt in fact belongs to me. The second statement from that same XX/XX/2024 letter states, ( 'The account was opened with a valid contract between you and Capital One. ' ) This second statement leads me to believe that there is some kind of documentation to prove ownership but Capital One has provided nothing. On XX/XX/2024 this statement defies understanding, ( 'Thanks for contacting us about your credit report. Based on the information you gave us, we researched your account. We know your credit is important to you so we want to help you understand what we found. ) That was the end of the statement. How am I supposed to take Capital One seriously? They are not appearing competent to maintain important credit reporting information. Capital One has not shown a shred of evidence that this account exists, let alone belongs to me. 
Since I have obviously exhausted my options, I have filed a small claims lawsuit against Capital One in my home state of Texas. I plan to use every option at my disposal to clear my name and restore my credit to good standing.
Product: Debt collection

Debt was paid balance was XXXX XXXX XXXX XXXX as of XXXX 2016. 

Have balance due was sent to me and stated XXXX ( XXXX ). 

Said they would report but have not over the last 3 months.
Product: Debt collection

Notice of company closure was sent to the IRS and has not been updated in their system.
Product: Debt collection

Company ignored phone request and written request to verify debt yet continues debt collection. I understand that this company must be a poorly run collections agency that is trying to get by, but unfortunately for them they purchased debt that I do n't owe.
Product: Checking or savings account

I try to withdraw XXXX dollars on XX/XX/2023. And after a week, on XX/XX/2023, the money is still not transferred to my XXXX XXXX account. Between XX/XX/2023 to XX/XX/2023, I called them multiple times asking whey it is still pending, and they told me it is just normal process. And on XX/XX/2023, I call again, they told me the transaction is declined. And I ask ed How should I get my money back, and the answer is " I don't know, I did my best ''
Product: Credit reporting or other personal consumer reports

Equifax has no regard for FC. R. A law, this is why I'm reporting this 2. The CFP BA consumer lawyer, as well as the F. Tc, because I followed every guideline, stated in the law.

In equifax has refused follow procedures, which is required according to the law. If any consumer notifies a credit agency of being a victim of identity theft and that consumer supplies a f t c or police report, along with a detailed letter listing, the fraudulent accounts accompanied with an affidavit that is notarized as well as all documents that account or those accounts shall be deleted within XXXX business days.