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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$340.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$1100.00} XXXX {$300.00} XXXX {$98.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is precluding/refusing to correct or investigate my complaint that my XXXX XXXX XXXX XXXX is being reported as having a {$250.00} balance when in fact it has no balance. Upon discovering it being reported inaccurately, I attempted to file a dispute using Experian 's online tools but the system refused to allow me to go forward, instead prompting me to upload documents in support or telephone. I attempted to comply with both instructions. I telephoned, but the automated voice system said that it could not locate my XXXX XXXX account- which makes no sense- so I could not proceed with my dispute. I also utilized the " upload '' link and received a " success '' message upon doing so. Nevertheless, days have passed and next steps have not been taken by Experian. The inaccurate information continues to be reported.
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 confidentiality under 15 USC 1681.

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX {$15000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING INACCURATE AND HAVE VIOLATED MY CONSUMER RIGHTS DUE TO MILD PRACTICE. THIS ACCOUNT IS REPORTING INACCURACIES ACROSS ALL ( XXXX ) CREDIT BUREAUS. 



BK OF AMER
Product: Debt collection

On XX/XX/2020 I received a phone call from Credence Resource Management LLC, claiming I have a debt of {$3200.00} with them. I called my insurance company since it was from an ambulance service on XX/XX/2020. My insurance company said that it was grounds for an investigation because I had coverage from XXXX XXXX XXXX and XXXX for that date in question. This company, Credence Resource Management was very incisive and offering immediate plans to pay by credit card the supposed debt. I'm very surprised I didn't get any notifications from the ambulance company or my medical insurance. Today, I received a letter with the same information given above. I would like to know my right to appeal or how can I resolve this matter.
Product: Credit card

I had XXXX personal credit card accounts along with a business credit card from Chase Bank that were abruptly closed. It was explained this was due to me requesting too many accounts with other financial institutions and having too many authorized users on an account it was triggering that the account was possibly inflating the credit of the other users. 
The personnel I spoke with explained the triggers and noted regardless of how long I have held accounts with Chase, no mater how in good standing I was in regarding payments or even my credit score, I was still a risk factor. I asked why it was an issue if chase does not put a limit on the amount users if they allow account holders to put as may as we desire. They admitted I was in my right to do so, but its still a flag regardless if I did what I was allowed to do with my account. 
I have many accounts outside of chase. I have family and friends on my accounts for many reasons. I do not have a choice on how the credit bureau reports for credit cards. All of my credit history was with chase, I didn't even have the option of them closing one account and petition to reopen it. All accounts were canceled. So all my work to obtain excellent credit by holding multiple accounts, letting balances reflect and paying them onetime go punished and now get washed because I used my account within the guidelines that chase gave me. 

I have XXXX years with chase and over XXXX credit score. I have never abused my accounts in any way. You don't get over XXXX credit score with one or two account and low limits. High credit limits, history and multiple accounts are what one has to do I order to obtain great credit. I explained I have excellent credit for his very reason. My authorized users have nothing to do with it, and if this was a concern to chase it should have been discussed and instead of closed all of my accounts, close the one in question and allow for extra review. 

So chase is allowed to ruin ones credit on the assumption that they are possibly aiding another credit. Which is far from what the situation at hand is. It extremely disappointing after all these years this is the course of action. Because an assumption.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX  ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

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

XXXX XXXX I reporting a debt on my credit report. When I reached out to the collection company for information on the debt, I was told that it was transferred to XXXXXXXX XXXX XXXXXXXX for collection. I've been calling this company since XXXX and the representatives keep reading a script that says they can not access my account and to call in a few days ; it's been almost 4 months. 
I called XXXX XXXX directly to get the information and was told they've been getting multiple calls about the old collection company not transferring the information to the new collection company. XXXX XXXX said they would escalate by calling the old company and ask them to expedite my file transfer. They asked me to call the new collection agency in a week and they should have the file. I've called multiple times, including today ( XX/XX/2022 ) and was told they still can not access my file. 
I have disputed with all 3 agencies because I am not able to get any information to confirm the account or resolve the balance. The bureaus have updated the account saying it was verified by XXXX XXXX, but XXXX XXXX claims they dont have any info to share with me and I can only contact the collection agency. Meanwhile, it continues to affect my credit rating and ability to obtain credit. If I am not able to get info to confirm and/or resolve, it should be deleted from my report until I can. This is unfair to me as a consumer.
Product: Credit card or prepaid card

I have a Amazon credit card due on the XXXX of every month I made a payment on the XXXX of XXXX synchrony bank states they did not receive it my bank regions debited my account I faxed the proof from regions to synchrony bank showing my payments they state they can't find the payment cause me to get a late fee affect my credit score with a deliquant report they initially credit me XXXX and reversed last week. My bank regions has been establish for al least 30yrs and there reputation is not questioning on the other hand synchrony bank has lost other payments I made for XXXX XXXX XXXX. Please help me make them accountable for losing my payment I want to close all my accounts with them I need an accurate balance thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again.XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  NCXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Consumer Loan

I requested for a due date change on a car loan I secured from Exeter Finance Corporation immediately after I secured the loan ( XX/XX/2015 ) because I get paid at end of each month. I was told to do so after I make a complete payment. After I made a first complete payment, they told me I have to wait again till I get my account caught up because the second time, I had requested too close to my due date ( of XXXX of the month ). On XX/XX/XXXX I requested again immediately after I made my payment as was advised to do. They said they will contact me once it 's approved. No one called so I called again around XXXX XXXX. and they told me it was approved on XXXX XXXX. thus changing my due date to end of each month, and I should just wait till the responsible department updates the system. I waited, waited and now almost XX/XX/XXXX I keep getting more calls saying my payment is past due and I owe an extra $ XXXX/more in fees. 
This does not seem like missing to call me or coincidence. It seems like a well coordinated deceitful practice to fleece the customer. I 've been requesting for a due date change on a newly acquired loan for months and when they finally approved it on XXXX XXXX they still trying to come up with something else to steal from me. This is unacceptable and fraudulent. I have sent a letter through their website, called XXXX which is supposed to be their corporate headquarters but it 's never answered though I left a message.
Product: Debt collection

Collection notice Date : XX/XX/XXXX Amount : {$7700.00} includes interest Creditor name : XXXX XXXX, XXXX / XXXX XXXX XXXX XXXX. 
Collection Agency : Hunter Warfield On XX/XX/XXXX with index number XXXX a lawsuit was filed in the Supreme Court on NYS. The lawsuit is regarding poisonous chemical exposure and the presence of mold in the apartment I rented. I had to vacate the apartment immediately. The rent was fully paid up to XX/XX/XXXX the day I vacated the apartment. My lease was to expire on XX/XX/XXXX. XXXX. 

The collection agency was notified by Mr. XXXX XXXX, my guarantor on XX/XX/XXXX of that there is a lawsuit pending following a collection notification against him as well. 

I called the collection agency today after the receipt of the letter. At first they hang up on me and after subsequent call they notify me that they will not discuss that issue with me but with my attorney ( causing me to spend money on legal fees ). 

The letter I received from the collection agency is misrepresented and deceive the consumer stating that the department of consumer affairs phone number is attached to the letter- XXXX XXXX. When I called that number its the number of Hunter Warfield, the collection agency. 

If lawsuit was filed against the creditor on XX/XX/XXXX why the collection agency proceeding with unlawful collection in XXXX from me and my guarantor. 

The collection agency notified the credit reporting companies to affect my credit and Mr. XXXX credit. 

See attached documents. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion Credit Bureaus are becoming careless with their responsibilities and duties when it comes to validating the information being reported on a consumer 's credit report, despite all the letters and CFPB complaints I have been making to the credit reporting agencies. I have experienced identity theft, and I am confident that this crime is what led to the queries that the XXXX and TransUnion Credit Bureaus have recorded. The Credit reporting Agencies are mandated by FCRA section 605b to delete any profile and information that were the product of identity theft. On XX/XX/XXXX, I sent a letter to the credit bureaus requesting that they take the unsubstantiated queries out of my credit record. The Credit Bureaus continued their unverified reporting despite all of my letters, which is a blatant violation of my rights under FCRA section 604. I have filed a complaint with the CFPB to have the following improper and unverified credit inquiries removed as soon as possible : XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Debt Validation Request Dear AFFIRM INC, I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. 
Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest.

2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it.

3.Account history : A complete account history that reflects all payments made and any adjustments made to the account.

4.Original creditor information : The name and address of the original creditor, including the original account number.

Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report. 

I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit reporting

XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX To Whom it May Concern : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion , LLC XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was approved for a loan for {$3500.00} through XXXX XXXX in XX/XX/2018. My payments are {$140.00} biweekly. To date I have paid over {$1800.00} on time. However, my current balance is over XXXX which is over the amount I borrowed. I am being told that my interest rate 98 % and if I pay according to the terms of the loan, I will pay out over {$10000.00}. I want to pay what I owe plus a fair interest rate for someone with my credit profile but I am not able to comply with the current terms of the loan. I need assistance in making sure that XXXX XXXX is fair in their loan terms and updating the current terms which are clearly predatory.
Product: Money transfer, virtual currency, or money service

I had a small crypto account with Coinbase. 

On XX/XX/year>, I was the victim of a phishing scam and I locked my account on advice from Coinbase. 

Since then I have tried at least 15 times to unlock my account using the verification processes available from Coinbase on their website / app. They are unable to verify my identify, even though I have submitted 30 pictures of my valid drivers license.

When I ask to elevate my concern, their service department refuses to allow me to speak with a supervisor, and instead only tells me to keep doing the online verification process, which does not work.

On my last call Coinbase suggested this is my fault for locking my account.

They are unlawfully blocking access to my account and the funds I have in it to the point where I believe this is fraudulent or theft behavior. 

All I would like is to get access to my account, nothing more. I do not know why Coinbase will not permit this.
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 : Personal Information : Former : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX  XXXX XXXX
Product: Debt collection

I was not enrolled in XXXX University. I was unable to receive financial aid because I was not enrolled. My account was placed into collections. I have paid half of the debt. My account was moved to another collection agency. I no longer intend to pay a school I was not enrolled in. I was not able to get financial aid or a student loan because I was not enrolled. The date was XXXX  2012. I also plan to put in a complaint with the Dept. of Education