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

I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to XXXX  on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a zero balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, Experian, XXXX and XXXX or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 

Please see the attached letter of the certified tracking numbers for letters that was sent out
Product: Money transfer, virtual currency, or money service

XXXX ( coinbase ) XXXX experienced a flash crash around XXXX PT on XX/XX/XXXX. The price of ethereum traded went from over $ XXXX/coin to {$0.00} / coin in a matter of seconds before climbing back up to around the original value. This liquidated assets of literally every account that had a margin trade open and everybody lost all of the money in their accounts. I myself lost over {$30000.00} worth of ethereum in seconds. Many others lost more. I 'm sure the total losses were in the tens of millions of $ or much higher. This is absolutely absurd because no person could predict susceptibility to this kind of Market manipulation. It 's not acceptable for the exchange to expose their users to risks that can make them lose everything at such a moment 's notice. The Exchange needs to reverse the transactions that happened at this time, as it is currently they lose all credibility and their attempts to protect what happened as valid puts their relation to the matter into question!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX XXXX 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 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute against XXXX XXXX XXXX on my credit report because they showed an inaccurate late payment after I had closed my account and paid in full. They also mailed me a letter that stated my account was closed in good standing, which I submitted with the dispute to TransUnion on XX/XX/19 on their online reporting page. It said submitted for manual processing. I also mailed in the supporting letter and supplied the file number and information in case there was a problem with the upload. I never got any response. I then call after the 30 day period to check on it and the dispute line said they saw no submission and they could not see information on the online site for disputes. They sent me to the online number and they said they saw nothing wrong all the information is there and sent back to dispute line and still nothing. I asked for a supervisor and they said none were available and they couldnt do anything else but submit another dispute so they were suppose to and send a confirmation email, but I never received a confirmation. I had no problems with XXXX or XXXX with online dispute, it actually took three days from submitting for the inaccuracies to be fixed. I am not sure how to get this fixed if TransUnion doesnt have a process for disputes that gets followed through.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account on my credit report called XXXX WHICH IS A RENTAL REPORTING COMPANY I NEVER SIGNED UP FOR. I am a victim of identity theft, and I did not make [ this/these ] chargeS OR ACCOUNT. I request that you remove the fraudulent charge ( s ) and ACCOUNT OR any related RENT REPORT charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of MY ID AND SOCIAL
Product: Debt collection

Self lending has been Reporting on my credit and I am going and have gone through bankruptcy they are reporting as current charge off/paid they are not to continue to change results I am bankrupt and they can not collect or change their status they are attempting to update their account which can not be done I am legally protected through bankruptcy law
Product: Credit reporting or other personal consumer reports

This happened on XX/XX/2024 in trying to create an account on their website to manage my credit report with them e.g. get a free credit report, thaw freeze, etc. 

They do not have procedures in place for people with my type of XXXX to manage their credit with TransUnion. Only because I was persistent was I offered a way that worked. Email. But TransUnion does not realize email is not a secure way to transmit identification documents and financial information. That's is very concerning. 

I've attached the chat conversation documenting what happened.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience andXX/XX/XXXXinancial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Early in XXXX, I was getting physical therapy. XXXX XXXX was my insurance company. At the end of my visits, my employer changed our health insurance and that physical therapist just worked for XXXX. They said we owed for the time I wasn't carried by XXXX and our new insurance wouldn't pay their final bill. My wife called the therapist to work out a deal. The person in billing said she would call her back but never did. We then received a notice from XXXX XXXX in XX/XX/XXXX. A collection agency for therapists. My wife contacted them and paid {$650.00} by credit card to get rid of the debt that should have been less. But we wanted it gone. We went online to verify the amount was paid and our account showed XXXX on XXXX 's website.We never got a letter or any other correspondence. Now, in XXXX of XXXX, I get a phone call from XXXX XXXX XXXX stating I still owe and now the amount is up to {$250.00} because of interest. The person stated that it seems it was taken off the books and then put back on. I stated we had not received any notice since XX/XX/XXXX and XXXX XXXX said that the account was paid. The woman on the phone then proceeded to give us a website to look at the new invoice. We would have to create a login to go on. I will not give these people our email address to view a document. Seriously? We paid up a year ago and should even had to pay what we did. XXXX XXXX never sent us anything until this moment and now we owe interest? On what? They can't ever tell us that directly. 

Now, after we file our first complain with the Consumer Financial Protection Bureau, we find out that the debt was just now sold to another debt collector who just sent us a letter of collection. It's from Bureau of Account Management. Here we go again. 

Please help us erase this amount. We paid it with XXXX XXXX and now here 's a new company asking for money. This is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau Transunion I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Demand for Immediate and Permanent Deletion of Fraudulent XXXX XXXX XXXX Account To Whom It May Concern, I am formally disputing the reappearance of a fraudulent XXXX XXXX XXXX account on my Equifax credit report. This account does not belong to me and was previously deleted in XX/XX/year> after being confirmed as fraudulent. However, Equifax has unlawfully reinserted this account, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

As a victim of the Equifax data breach, my personal information was compromised, increasing my risk of fraudulent activity. The re-insertion of this account without proper notification and verification is a direct violation of FCRA 15 U.S.C. 1681a-5, which mandates that a consumer reporting agency must notify the consumer in writing within five business days if previously deleted information is reinserted. 
Immediate Action Demanded : Permanently delete the fraudulent XXXX XXXX XXXX account from my Equifax credit report. 

Provide written confirmation that this account has been removed and will never be reinserted in the future. 

Equifax has a legal obligation under FCRA 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in consumer reports. The continued reporting of this fraudulent account, despite prior removal, demonstrates negligence and reckless disregard for my consumer rights. If this matter is not resolved immediately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

I expect a resolution within the 30-day timeframe required by law and immediate confirmation of compliance. 

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

After looking over my consumer report I've noticed that Experian is reporting accounts and information that's in violation of multiple consumer laws. I mailed them a letter asking them to investigate and remove these accounts that's illegally reporting. The companies listed in the letter are companies who I have no knowledge of and not sure why they have my personal information. I never gave them permission to share my information with anybody which violates my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for a balance to occur. This account shouldn't be reporting anyway without proof and verification in which it has to be removed pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information.

Violations committed : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681e - Compliance procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all these hard inquiries as I did not authorized them : XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX
Product: Debt collection

Lvnv got a acct from XXXX in which I had asked XXXX to validate the acct. I then got a letter from XXXX XXXX that they couldn't find the acct. I disputed it with credit bureaus and it was removed from my reports. Yrs later it came back on my reports and now lvnv has a civil suit against me knowing I'm on social security only income. Never once got any kind of notice from the debt collectors
Product: Credit reporting

XXXX. is claiming that I opened this account in XXXX, yet my date of first delinquency was XXXX. I have explained to Equifax and XXXX that this account is not mine. I did not open any accounts in that date and further it was on my credit report from XXXX, was removed and then added back as new debt. I have spoke to XXXX and they admitted the account was from XXXX originally. This is not my account because I have not applied for any credit from anyone since XXXX. I have asked this company to even tell me what this is for and they said its from XXXX. I have not had any XXXX anything since XXXX and left with XXXX balance on my account. I demand this be removed from my credit report. Its extortion and illegal at the highest levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. 

I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. 

I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. 

XX/XX/2017 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Fraudulent Account Request for Investigation Dear CFPB, I am writing to formally dispute a fraudulent account that has been opened in my name without my authorization. I request your assistance in investigating and resolving this issue. Below are the details of the fraudulent account and the unauthorized activity : 1. Account Details : Account Holder Name : [ XXXX XXXX ] Account Number : [ XXXX ] Financial Institution : [ XXXX XXXX XXXX XXXX XXXX ] XXXX. Description of the Issue : XX/XX/XXXX ], I discovered that an account had been opened in my name without my consent. I did not authorize this account and have not engaged in any transactions related to it. This fraudulent activity has adversely affected my credit score and caused significant distress. 
XXXX. Actions Taken : Reported the fraud to the financial institution on [ XX/XX/XXXX ]. 
Filed a police report on [ XX/XX/XXXX ] ( Report Number : XXXX ). 
Contacted the credit bureaus and placed a fraud alert on my credit report. 
XXXX. Supporting Documentation : I kindly request that the CFPB investigate this matter promptly and take the necessary steps to resolve this issue. Please remove the fraudulent account from my credit report and ensure that no further unauthorized activity occurs. 

I appreciate your attention to this urgent matter. Please confirm receipt of this letter and keep me informed about the progress of the investigation. Should you require any additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Before I purchased a XXXX XXXX XXXX In 2014 from XXXX XXXX XXXX they never did a mandatory vehicle inspection or emission test according to Texas law ... .instead they made me finance one without going through the proper protocol and security national automotive knew about this to ... that's deceptive practices issuing me tags without inspection
Product: Debt collection

I have lived at the same address for 3 years, yet, someone has a lease in my name. National Credit systems is  attempting to collect on this fraudulent debt.
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies and unverified items on my credit report, which I promptly disputed with Experian. Specifically : Debt Validation Requests : For accounts with XXXX XXXX XXXX XXXX XXXX, I requested validation under 15 U.S. Code 1692g. I am demanding documentation, such as the original signed agreements and proof of authorization for debt collection. These accounts are inaccurately reported, and without proper validation, they must be removed as per 15 U.S.C. 1681s-2. 
If validation is not provided, as established in XXXX XXXX XXXX XXXX XXXX ( XXXX  ), Experian and the furnishers could face liability for willful non-compliance. 
Inaccurate Personal Information : My report lists two incorrect addresses ( XXXX XXXX XXXX and XXXX XXXX XXXX ) that are not associated with me. These inaccuracies violate 15 U.S.C. 1681i, which mandates credit bureaus to ensure accurate reporting.

Failure to Meet Investigative Obligations : According to 15 U.S.C.
1681i, Experian must conduct a thorough investigation of these disputes within 30 days. Case law ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) further emphasizes the importance of going beyond superficial checks and ensuring accuracy. 
Potential Violations : If Experian does not address these disputes promptly and accurately, it risks liability under 15 U.S.C. 1681n and 1681o, which provide for damages in cases of willful or negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

Ive formally requested that Experian investigate and correct these issues. Failure to comply will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), or legal remedies. I am also entitled to an updated credit report reflecting all necessary corrections and a description of the procedures used during the investigation, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).
Product: Student loan

I have filed numerous complaints with Navient, my lender on behalf of the loan service practices. in XXXX of 2011 my loan originated at {$10000.00}. 
I have paid over {$18000.00} and my Private loan is STILL at {$9800.00}. I contacted the Ombudsman office and received a letter Case # XXXX from the Navient office of the Consumer Advocates XX/XX/XXXX Stating that my Borrower defense to Loan repayment loan I have been filing for Discharge because the school was shut down has been put on administrative forbearance until XXXX for my Federal loan. I spoke with XXXX XXXX on XXXX about my Private loan which is apparently accruing {$3.00} /per day interest. As she repeatedly said " The documents you signed '' through Sallie mae / now Navient with a 11.25 % rate Variable of course is the reason of the loan not getting paid off. I am 100 % sure this is why Sallie Mae was shut down. XXXX stated I can get a loan with an outside company to pay this off and pay on that I start all over again I know this is preditory lending and I NEED HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent letters regarding inaccurate information being reported on my credit report and I have yet to receive a response. I am highly upset and I feel as if no one cares. Section 611 ( a ) states that a failure to investigate items within a 30 day period provides a reason to immediately remove those items from my credit report. It has been about 45 days and they should be deleted at this point. This situation has been really stressful and I do plan on filing for litigation if these items will not be removed. My information was also impacted by the Equifax data breach and I know that it has got into the hands of the wrong person.
Product: Debt collection

I was looking over my credit report and notice that I owe a medical debt {$51.00} but never received any documentation showing that I owe that amounf
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. This has cause me great XXXX, stress, and financial hardship because these accounts are mine and I can not fulfill my dreams of owning a home.
Product: Mortgage

Wells Fargo unlawfully foreclosed on our mortgage in 2014 and has still not corrected the errors. 

NOTE : This is NOT a duplicate of XXXX. 

In response to my initial complaint referenced above, I did speak with rep fr WF. When asked for an email address with which to correspond, I was told they do not use email but he offered a fax number. He was wanting to discuss my concern over the phone but I told him I was not comfortable doing that and preferred correspondence in writing.
Product: Money transfer, virtual currency, or money service

The company is coinbase pro that serves as a wallet and portal for cyrptocurrency. Without notice, Coinbase upgraded it's security protocol that required two factor authentication using a cell phone number.

When myself and many others tried logging in, we were unable to access our funds because we had not setup cell phone numbers within our accounts. I have sent numerous correspondences with my Govt. ID and other verification documents but they won't respond ( beyond automated responses ).