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

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days & I haven't received any investigation results. 

Equifax 1. The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX  1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

XXXX XXXX is attempting to collect in a bill not owed I XXXX XXXX do not have a contract with XXXX XXXX and only time I had XXXX XXXX I had a prepaid account meaning I paid upfront for internet services and if I dont pay I dont have internet This collection been on skin off 2 times and put back on with different companies I dont not have a contract with
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report from Equifax Credit Bureau. My report shows that they verified that I lived at XXXX XXXX XXXX XXXX NJ. This is correct. They also stated that they verified that I lived at XXXX XXXX XXXX XXXX, N. J. at the same time that I lived at my current address. This was impossible for them to do. They violated the law. No one at XXXX XXXX XXXX XXXX, N. J. stated that I lived there. Also they stated that my previous employer was XXXX XXXX XXXX this is incorrect I never worked this company and no one from this company ever stated that I worked for them. Also a XXXX debt that I disputed they stated that XXXX XXXX on XX/XX/XXXX that this debt was a charge off and XXXX loss the money that was owed on that debt. This was impossible for them to verify because XXXX sent me a XXXX in XX/XX/XXXX for me to claim this debt on my tax return. Again Equifax Credit Bureau has violated the law by putting erroneous information and not reporting the truth, on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX  XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX  - Account number # XXXX XXXX XXXX-Account number # XXXX XXXX-Account number # XXXX XXXX XXXX -- Account number # XXXX XXXXAccount number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX & XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX-account number # 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 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 or other personal consumer reports

Subject : Complaint against XXXX XXXX and Credit Reporting Agencies for FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX and all three credit reporting agencies regarding their handling of my credit information and potential violations of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I sent a dispute letter to XXXX concerning inaccurate information reported by XXXX XXXX on an alleged account. Despite my efforts to resolve these issues, the inaccuracies persist, demonstrating potential willful noncompliance with the FCRA by both XXXX XXXX and the reporting agencies. 

Key issues and potential violations include : Inconsistent Reporting : The XXXX XXXX  account is reported differently across credit bureaus : TransUnion reports a closed account with a Date Last Active of XX/XX/XXXX XXXX reports a closed account with a Date Last Active of XX/XX/XXXX XXXX reports an open account with a Date Last Active of XX/XX/XXXX Balance Discrepancies : All three bureaus report a balance of {$9100.00}, which conflicts with the account 's reported closed status. 

XXXX XXXX Inconsistencies : TransUnion and XXXX report a high balance of {$15000.00}, while XXXX reports {$9100.00}. 

Account Status Discrepancies : TransUnion and XXXX report the account as closed, while XXXX reports it as open. 

Potential FCRA Violations : Section XXXX ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy of information Section XXXX : Possible reporting of outdated negative information Section XXXX ( a ) ( XXXX ) ( A ) : Furnishing inaccurate information if the debt has been paid or settled Section XXXX : Failure to properly investigate and correct disputed information Continued Reporting of Inaccurate Information : Despite my disputes, the inaccurate information persists, suggesting a failure to conduct proper reinvestigations as required by FCRA XXXX XXXX XXXX a ) ( XXXX ). 

Potential Outdated Information : The account may be beyond the XXXX reporting limit for negative information, as it was opened in XXXX and is now being reported as a charge-off and many other things. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX and all three credit reporting agencies comply with all applicable consumer protection laws. I seek correction of any inaccurate information reported to credit bureaus, proper investigation of my disputes, and any other appropriate remedies for the potential violations of the FCRA. 

Thank you for your attention to this matter.
Product: Debt collection

Letter was received from Maury Cobb Attorney at Law on XX/XX/2019 requesting payment of a debt in the amount of {$270.00} that they obtain from XXXX  or a judgement would be filed against me within 30 days if payment was not received. 
I replied to the letter On XX/XX/2019 stating the debt was paid directly to XXXX along with proof of the paid bill of {$230.00} on XX/XX/2019 with confirmation number of the payment. 
To date I have received 16 phones calls from his office on the following dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

The company is reporting credit inquiry information on my credit report without my written consent. My written consent is always required before my non public personal information is shared by any person other than me. 

I have never provided the company with any consent or implied consent to report such information. I contacted the company and the agents refused to provide me with proof of permissible purpose and written consent from me. The company refused to provide the information requested. It is clear that the company is negligent and willfully violating permissible purposes of consumer reports under the Consumer Credit Protection Act. 

The excessive inquiry information has ruined my credit standing and caused privacy issues which is causing me emotional distress. 

The inquires are listed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

am writing to file a formal complaint against Climb Credit for inaccurately reporting a charged-off loan on my credit report and failing to comply with IRS regulations by not issuing a 1099-C form for the charged-off debt. 
Details of the Issue : Account Type : [ Installment Loan ] Loan Amount : [ {$6000.00} ] Status Reported : Charged off as bad debt, profit and loss write-off Climb Credit has reported this account to all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) as a charged-off account. However, I have not received a 1099-C form to report the written-off debt as income, which is required under IRS regulations if the debt has been canceled or written off. 
Alleged Violations : Failure to Issue 1099-C Form : Under IRS regulations , creditors are required to issue a 1099-C form when a debt of {$600.00} or more is canceled or written off. By failing to provide this form, Climb Credit is preventing me from accurately fulfilling my tax obligations. 

Inaccurate Credit Reporting : This account is inaccurately reported as a delinquent charged-off account. Since the debt has been written off as a profit and loss, it should not be reported on my credit file at all. Its continued presence on my credit report is misleading and damaging to my credit profile.
Product: Money transfer, virtual currency, or money service

I received a message from coinbase saying that they think I logged in from XXXX and they asked for some identification. I provided my documents which shows that I am a XXXX  citizen in the XXXX. They told me that they would review my account within 4/5 business days and they would get back to me. Five days gone and they dont even answer anymore. I read peoples comments with similar issues and I realised my funds could be locked away from me for ages. I hold just less that XXXX XXXX in my account and I have no access to them. The fact that they kept me uninformed is so frustrating and I would like to make an official complaint. Please help if you can. My case number with coinbase is XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX account, issued by XXXXXXXX XXXX XXXX and ending in XXXX, on my credit report. Despite my previous communication with XXXX and their response ( enclosed ), I believe the reporting of this account contains several inaccuracies that have not been addressed appropriately. 

Inaccuracies Noted : Inconsistent Reporting Dates : The account 's date of last activity, charge-off date, and other key data points vary across the major credit bureaus. XXXX alleges the last activity date as XX/XX/XXXX, with a charge-off on XX/XX/XXXX, yet my credit report reflects conflicting information, which has negatively impacted my credit score. 

Balance Discrepancy : While XXXX claims the balance owed is {$620.00}, there are inconsistencies in how this amount is reported across different credit bureaus. For example, the balance listed on XXXX is {$240.00}, while TransUnion and XXXX reflect the higher amount. This discrepancy violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2, which mandates accurate and consistent reporting. 

Failure to Investigate the Claim Thoroughly : Despite XXXX investigation, they failed to properly validate the inconsistent reporting of the account, including incorrect balance and last activity information. Additionally, their failure to provide adequate documentation supporting these figures raises questions about the legitimacy of the reporting.
Product: Credit reporting or other personal consumer reports

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and this account on the credit report is incorrect. 
XXXX XXXX XXXX XXXX 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: Checking or savings account

My husband XXXX XXXX and I have a closed charged off credit card with Navy federal credit union, I am currently insuring a financial hardship. I set up a payment arrangement {$100.00} every month on internal auto pay XX/XX/year>. It has been paid on this arrangement every month from my XXXX XXXX checking account. XX/XX/XXXX, Navy Federal pulled out the entire rest of my pay. {$730.00}. This is unauthorized. It left my bank account negative {$430.00}. I called Navy Federal XX/XX/XXXX and was advised they are legally allowed to pull the past due balance from my XXXX XXXX checking account. I explained on payment arrangement and I was advised it does not matter. 
I was forced to make an agreement to pay a full past due balance of the credit card by my next direct deposit paycheck, even though I dont have the money for it. i am still on that payment arrangement with Navy Federal. This is the second time they pulled all of my money for the closed credit card. I explained I cant feed my kids and was advised it is not their problem.
Product: Checking or savings account

The phone team again messed up my account. I called and tried to open a dispute XX/XX/2022. The representative was rude and opened the dispute for the wrong charge. I had a valid charge from my gym onelife fitness. However they overcharged me. It was supposed to charge {$39.00}. I told the rep this and was expecting a {$20.00} conditional credit, with the dispute paperwork being mailed to me to fill out. However today I see a {$5.00} conditional credit for dispute and the phone team wont speak to me the 2 times I called. The charge I am trying to dispute that the phone team admittedly has no idea how to remedy is below : " XXXX EFT '' on XX/XX/2022 from my checking account in the amount of {$59.00}. Please note it was supposed to be a {$39.00} charge. Please open the dispute and assign a supervisor I can converse with. I can not speak by phone and only in writing given the nature of my XXXX and the inability to find competent reps at your phone numbers provided with using assistance. There is this concern and also I never got the promo monies for opening the account initially I was promised. I saved these screen shots and emails from last year. Can I have the email to discuss this as well with a competent supervisor? Thank you.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX Headquarters XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear sir, I would like to comment of your company response on CFPB report ( XXXX ). In the response, you have mentioned on medical information on debt. On that matter, I only have the dental grievance. Since I paid off the bill, which is more than {$3000.00} in these 10 months and yet I do not know when the treatment of my teeth will finish at this moment, I am not sure why your company needs to mention about medical information on this response. Since I have the identity theft issue at hand and I have some serious hacking issues with the medical insurances last year, I suspect your company is trying to get the personal information by asking the medical information. Therefore, you might be considered to get the medical information for the illegal purpose. If not, you need to provide the appropriate reasons why you need to ask the medical information, which must be delicate personal matter and information, even though you must know the detail of my payment record on my credit card of a certain bank. 

Also, I want to know when you will send me the review, since you just mentioned the date as { sent date }. I have just received the postcards to ask the personal information for cancellation of opt-out of promotional mails. 

Sincerely,
Product: Debt collection

My personal identification was stolen and used to these creditors none of these debts are mines
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has place derogatory account reporting on my credit profile from XXXX XXXX XXXX Address : XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Dated : XX/XX/2023 Account number : XXXX
Product: Prepaid card

I purchased a VanillaGift Card in the amount of {$450.00} which had a cost of {$8.00} for a total of $ XXXX.on XX/XX/year> from a XXXX store No. XXXX, located at XXXX XXXX XXXX XXXX, XXXX Fl XXXX. After waiting the required time for the card to become active 1 hour, I attempted to use it. The card was denied. I contact the telephone number on the card XXXX and was advised that they would send me a replacement card because they detected fraud. I provided my information to an individual who could barely speak English. I requested a confirmation number, but they stated that their system does not give them any way to track any claims. I attempted to obtain information about my claim via VanillaGift.com but the system in continuously down. The company VanillaGift outsources all calls to the XXXX and has no internal system to track claims.
Product: Checking or savings account

I was issued a XXXX XXXX XXXX XXXX card about XXXX years ago. I tried to use the card to pay for things but it got declined 3 times. I tried to resolve the issue by creating a new account in the app & online. Now it doesn't recognize the new username but my current account is still active with the balance. I called the automated service multiple times. Now they can't find any of my information like it no longer exists.
Product: Debt collection

There was a small loans dispute that I entered into with XXXX XXXX/XXXX  XXXX, it ended up going to mediation and I have the decree that states " All parties have agreed to fully resolve all issues and release each other from all claims ''. 
I have shown the collections company this mediation document and they refuse to remove it off my credit. 
The collections name is US collections west They are requesting {$930.00}. 
Contact information for them is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please contact me if you need to view this court document.
Product: Bank account or service

I applied for Bank of the west checking account promotion online since they were offering {$150.00} credit. I completed all requirements to get the bonus and to my dismay I was denied claiming another house hold rep received a bonus this year. I called BOW customer care and spoke to someone right after acct opening and these guys are not organized and only specialized in wasting valuable customers time. I asked customer care rep If I qualify for the Bank promotion that I applied. I was told that I am qualified and I need to wait until XXXX XXXX to receive the bonus and they never told me that I am not qualified since another house hold rep received a bonus this year which is not true. 
I am checking my tax returns for last year 2015 and I do n't see a XXXX interest income statement from Bank of the west and I do n't have any promotion applied to my account this year either. Same is true for my wife since we file taxes jointly and no other household reps lived at my house.
Product: Credit card

I am writing to file a formal complaint against XXXXXXXX XXXX, also known as XXXX XXXX, Citi Bank, XXXX, XXXX, XXXX, and XXXX XXXX, for numerous violations of my rights under the Fair Credit Billing Act ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). 
Details of the Violations : XXXX. XXXXXXXX XXXX ( XXXX Credit ) : o Between XX/XX/XXXX and XX/XX/XXXX, XXXX Bank refused to acknowledge my dispute or remove a charge from my credit account, in violation of the FCBA ( XXXX XXXX. XXXX ). 
o XXXXXXXX XXXX  deliberately reported inaccurate information on my credit profile to all credit bureaus ( XXXX, XXXX, and XXXX ), in violation of the FCRA ( 15 U.S.C. 1681s-2 ). 
o Despite disputing the account with all three credit bureaus between XX/XX/XXXX and XX/XX/XXXX, they refused to remove the derogatory mark from my credit profile, in violation of the FCRA ( 15 U.S.C. 1681i ). 
2. XXXX, XXXX, and XXXX : o These credit bureaus supplied inaccurate information to Citi Bank, XXXX XXXX, and XXXX XXXX, in XX/XX/XXXX, who then took adverse actions against me by reducing the available credit on my account to the balance on the account, bringing my credit utilization over 100 %, and destroying my creditworthiness, in violation of the FCRA ( 15 U.S.C. 1681e ( b ) ). 
3. XXXX XXXX : o In XXXX, XXXX XXXX refused to remove a charge billed in violation of the FCBA after I submitted over 10 disputes for the same charge, in violation of the FCBA ( 15 U.S.C. 1666 ). 
o XXXX XXXX reported the inaccurate information to credit bureaus, in violation of the FCRA ( 15 U.S.C. 1681s-2 ).

o Following my complaint with CFPB, XXXX XXXX removed the charge but failed to acknowledge and respond to my dispute. 
4. Citi Bank : o Citi Bank closed my Wayfair credit card account based on inaccurate delinquency information, despite my record of never missing a payment on that account, in violation of the FCRA ( 15 U.S.C. 1681m ).

As a result of these violations, I have suffered significant financial damage, including : Loss of over {$22000.00} in credit line. 
I am forced to pay over {$800.00} in interest and fees every month since XX/XX/XXXX to keep my credit accounts open and prevent further adverse action. 
Denial of a mortgage by XXXXXXXX XXXX, denial of Business credit by XXXX based on inaccurate information provided by XXXX XXXX and XXXX bank. 
Harassment by phone calls and mail from Citi Bank regarding the alleged delinquency on my Wayfair account.