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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. Also, the creditor I talked to agreed to repair the account in my file. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXXE XXXX
Product: Debt collection

Chase Bank after I noticed there's is fraud payment from XXXX pal account and I report as a fraud by my ex wife she left me for to get benefit from the government after I found out she married to me to get green card she left XXXX she is full of range of fraud and identity theft I closed my account in XXXX than they asked me to open saving account after few months of business I found out they steal my money and closed my account and I found out they open account for my wife XX/XX/XXXX without any problems and they knew she is not a USA citizen and not allowed to open account no is card or passport or authorized all she got fraud name and fraud s.s.card and falsification documents and fake date of birth with my money she opened account and they closed my account i already tell them about her fraudulent activity and they refused to give my money back and even they don't want to open my account back
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a formal complaint concerning XXXX separate, disputed debts, XXXX with XXXX and the other with XXXX  XXXX XXXX XXXX. These debts are inaccurately attributed to me, and despite my efforts to dispute them directly with the respective companies, neither entity has provided sufficient validation or ceased collection efforts. Below are the details of each disputed debt : XXXX. XXXX Account XXXX : XXXX XXXX : {$190.00} I received a notice from XXXX regarding an alleged debt for {$190.00}. I have disputed this debt in writing, but XXXX has failed to provide adequate documentation or evidence that validates this debt, such as billing records or a signed contract. 

Despite my dispute, XXXX continues to report this debt to credit bureaus, which is negatively affecting my XXXX XXXX. I request that the CFPB investigate the following : Failure to Validate the Debt : XXXX has not provided any documentation to substantiate this debt. 
Improper Reporting : XXXX continues to report this debt to credit bureaus, causing financial harm despite it being disputed. 
XXXX. XXXX  XXXX XXXX XXXX Account Number : XXXX Amount : {$1200.00} I also received a notice from XXXX  XXXX XXXX XXXX regarding an alleged debt of {$1200.00}. Similar to my experience with XXXX, I have formally requested validation of this debt, but XXXX XXXX XXXX has not provided sufficient documentation, such as a contract, account statements, or proof of the assignment of this debt. 

Despite my dispute, XXXX XXXX XXXX has continued its collection efforts and is reporting this debt to credit bureaus. I request that the CFPB investigate the following : Failure to Validate the Debt : XXXX  XXXX XXXX  has failed to provide the required documentation to support its claim. 
Continued Collection Efforts and Reporting : Despite the dispute, XXXX  XXXX XXXX  continues to pursue collection efforts and report this debt to credit bureaus. 
Request for CFPB Action : For both cases, I request that the CFPB : Investigate the failure of both XXXX and XXXX  XXXX XXXX XXXX to provide proper validation of these debts. 
Ensure that both companies cease collection efforts and update all credit bureaus to reflect that these debts are in dispute, or remove them entirely if they can not be validated. 
Hold these companies accountable for any violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as appropriate. 
Attached are copies of the correspondence I have sent to both companies, along with any responses I have received. I trust that the CFPB will take appropriate action to resolve these issues and protect my rights as a consumer. 

Thank you for your prompt attention to this matter. 

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

I have been working with Experian for no less than 5 months to correct inaccuracies in my credit report.. One item they keep including the wrong data. My last dispute for this item was made in early   XX/XX/XXXX  . The account was with  XXXX   XXXX  and the last  XXXX  digits of the account number is  XXXX .  <P/> I finally brokered a conference call between  XXXX   XXXX  and Experian to resolve the issue.  XXXX   XXXX  told Experian they had not reported on this account since  XXXX  even though Experiean was showing late payments in the last 30 days. The account was paid off in  XXXX .  <P/> After the call Experian said they would remove the erroneous information  ( Late  Payments ) from my report. As of today Experian is still showing late payments in the last 30 days.  <P/> I have made at least  5 c alls trying to resolve this issue. Experian transfers me from  one  line to the next or leaves me on hold for long periods of time. I have been able to speak with a couple of different people that said that the file would be corrected. IT HAS NOT BEEN CORRECTED.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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 ask the company to check the validity of my accounts with recoverable receivable. These accounts have the same amount on some balances. Also I wanted them to validate that I 'm the intended party they are asking for. Experian only verified the accounts but did n't validate them. After even talking to a agent at the company they advised me themselves to dispute the account because it did n't look right. They asked me to send proof so I sent my driver license and I still did n't get a reply from them.
Product: Mortgage

Fay Servicing ( Loan Number XXXX ) has been making unauthorized withdrawals from my checking account in order to pay for forced-place homeowners insurnace. 

I have repeatedly provided proof of homeowners insurance ( XXXX ) and yet they continued to extract money from my account to the total of {$7700.00}. 

Repeated emails to the customer service has yielded only a halt to extracting the insurance premiums, but very little ( {$2700.00} ) in the way of refunds.
Product: Debt collection

I have asked for my account to be validated. They have been unable to prove that I am legally obliged to pay them, or validate that I signed any papers or gave them my permission to open an account for me, or for them to have my account, nor did I ever sign any paperwork giving the original creditor permission to give my personal Information to any third party.
Product: Money transfer, virtual currency, or money service

Company : Coinbase. 

Been a customer for years. On XX/XX/19, I successfully transferred XXXX USD into the Coinbase account. Coinbase put a hold on the funds ( already cleared my bank! ) and then disabled my account. I have sent numerous emails to find out what the issue is, and they do not respond with more than, " we are working on it. '' When I asked if they would send my money back into my bank account, they said no. 
So in essence, they are holding my money for no reason, and will not respond to my emails. 

I know it's not a lot of money, but it is to me. Very frustrated. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These reports have been detrimental to my life and my credit health.
Product: Credit reporting or other personal consumer reports

I have received a copy of my consumer report and noticed there is a discrepancy on the report that need to be corrected. Please be advised that per 15 USC 1681b, the information that you are furnishing is to be in accordance with the written instructions of the consumer to whom it relates. Enclosed are my identification documents showing that this report is concerning myself and below are my written instructions. On my consumer report, XXXX XXXX XXXX XXXX shows an inquiry dated XX/XX/2024. The inquiry dated XX/XX/2024 is not authorized to be reported on my consumer report as it does not involve an extension of credit. Per 15 USC 1681b, Equifax is not authorized to report the inquiry as it was not for a firm offer of credit. I am demanding that the entry be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report from XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022 and I NEVER applied for a loan with this company. I reached out to XXXX about 4 months ago and I have the letters of correspondence stating they apologize but nothing has changed. They continue to sell my information to the Dark Web and I receive harassing calls daily from them and other companies attempting to get my personal information. I have also received letters from them asking me to do business with them since I reached out to them to remove me from their contacts!
Product: Checking or savings account

My phone was stolen on XXXXXXXX  while I was away out of town working. I live in California and some mountain areas are remote, which was the case for where I was working. I discovered when I got back into town in XXXXXXXX  that my phone was stolen. I bank with current online banking, which is also XXXX XXXX XXXX. I noticed the person who stole my phone, drained my account buying XXXX  online with my virtual debit card and regular debit card which are saved in the phone. I disputed the charges on XXXX and on XXXXXXXX  i was told by current bank that my disputes where not founded and I wouldn't recieve my money back. Its all I had to pay my bills with. How can they conduct an investigation in 4 days? They didn't care about my money or situation they blew it off and have not sent me copys of any investigation or how they came up with this decision. Now today on XXXXXXXX   they send me email saying they will get the cops to me in 3-5 business days. Why does it take this long, because there was no investigation. Please help
Product: Debt collection

I disputed XXXX XXXX because it was on my account more than once last year or so after it had already been reported. It was removed and then they added it again as Receivables Performance along with XXXX XXXX. I disputed it with XXXX  and it was removed and they just added it again a day or so ago. This is not fair to me as it keeps making my credit score go down every time they add it. I asked for it to be removed in the beginning because it was showing up twice under 2 different names. If they want to put it on my credit fine but dont keep putting it on my credit under different names making my credit score go down when it was already on there once the first time and they are the ones that had it in my credit under two different names so I had to dispute it. This is not right or fair whatsoever. It says the debt remains for XXXX and then removed for Receivables Performance, so why is it on there again a few days ago. I never received any notice if reinsertion as explained by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solution will not delete previous old addresses off their Credit Reporting. I have notified request removal in two ( 2 ) letters ; one ( 1 ) Certified letter with Notarized documents with current mailing address. All other addresses that are not deliverable to me by the US Post Office are not reportable per the FCRA and are inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX, Acct ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

addresses was supposed to be removed incorrect information on Experian and XXXX I have letters stating the removal of information
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report, I noticed that  Westlake Financial Services  had placed on my credit a  XXXX  separate balances-one was a charge off balance of {$7100.00} and the other was a past due amount for {$5900.00}, for a vehicle in which was voluntarily surrendered that I had cosigned for. I collaborated with this company via telephone and spoke with a representative there. Upon speaking with this gentlemen, I requested a bill of sale from this company for the amount in which, the vehicle was resold for and the difference in which was owed. The gentlemen, then abruptly to me that he could provide me with a breakdown of all of the charges including an impound fee, in which was not true. The car was surrendered from  XXXX  ' auto body and repair, after they had to be contacted several times by myself and the owner of the auto body shop. Again I requested a bill of sale for the resale of the vehicle and was told that it would be provided, this occurred in early  XXXX    XXXX  , and have not received any letter, bill of sale, etc. This was an attempt to settle a debt and this company is totally non-compliant with my request.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am in the transportation business and I purchase vehicles from various dealerships in and near the southeast region. Multiple times I advised and strongly suggested the financial managers of these dealerships not to run my credit with all these financial institutions. These hard inquiries regarding credit and the auto loans associated with my credit report were not authorized by me. According to Fair Credit Act laws enacted by Congress, these financial institutions are in direct violation of my privacy rights. I gave no written consent for or authorization for any of these hard inquiries to be on my credit report. As I strive to grow my business that has been a hindrance to scale my business as they are a detriment to future lenders.

Please Remove All of these Hard inquiries from my credit report as they are harmful to me and my family 's forward progress. 


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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. The following accounts have been reported as late payments, charge offs, or collections : XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these items are inaccurate and/or unverifiable. I request that these items be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I would like to remind you that it is your legal obligation to investigate and correct any inaccuracies on my credit report. According to the FCRA, you have 30 days from the date of receipt of this letter to complete your investigation and respond to my dispute. If you fail to respond within this timeframe, I will consider the disputed items to be inaccurate and request that they be removed from my credit report. 

Thank you for your attention to this matter. 

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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the inquiries that need to be removed from my file : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I tried phoning this company ( and others ) more than once about this issue. 
I am in enrolled in automatic payment, but the credit card statement doesn't say anywhere on the front page that this is the case. I don't use the card very often, and so I have to research every time I forget. Looking through my file, searching their fine print. This creates two profitable opportunities for the credit card company : XXXX. I pay the bill when it is already being deducted from my bank account, and they have the use of my money for probably 90 days. On a national scale, this is very profitable for a bank to do all year long. This is, after all, how banks make money. 
2. If I think I am still enrolled in automatic payment and neglect to pay the bill, they get to charge me a huge penalty and interest. Again on a national scale this is very profitable. This is the more insidious way that banks make money. 
Why are these companies allowed to not show this vital information on the front of their bill prominently? They used to do it!!! 
It is surely costing consumers, especially the elderly, money all across the country. 
THIS NEEDS TO APPLY TO ALL CREDIT CARDS!!!!!!