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

In accordance with the Fair Credit Reporting act. The List of addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S. C. 1681 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that 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 following items of information. Any other adverse item of information, other than records of convictions or crimes with antendates the report by more than seven years.

15 U.S.C. 1681 ( 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Coinbase.com ( company ) promises {$5.00} in bitcoin when opening a new account. 
I opened an account in XX/XX/2021. As of today, company has not delivered on its still advertised signup bonus. 

Company has been contacted repeatedly but did not offer a valid explanation on its refusal to comply with its policies. My account is verified ( see screenshot ), active for trading ( see screenshot ) and not a duplicate.

Company has stopped responding to emails on this subject ; open cases on this issue are now immediately closed without notice. Emails available upon request.
Product: Credit reporting

There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy sent to me per credit law. Otherwise please have it removed upon receipt of this official notice. This is something that was randomly attached and Now I must suffer with it. Please have this removed.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B
Product: Debt collection

Due to covid, I was laid off from my job and decided to cancel my XXXX XXXX membership. I contacted ABC Financial ( XXXX ), the third party billing company that handles their memberships, to cxl the membership. I spoke with XXXX and was told a request needed to be submitted in writing. Written request was submitted XX/XX/XXXX. Received response back confirming a pending cancellation on XX/XX/XXXX. This letter also stated any outstanding charges would draft from my account automatically ( auto withdrawals are set up through my bank ). 
Separately, an email to all members was sent out by XXXX XXXX on XX/XX/XXXX stating that they would be ceasing billing for all members due to the covid pandemic. 
In XX/XX/XXXX, I began receiving calls from a debt collector in California, XXXXXXXX XXXX XXXXXXXX. When I called back the number, a man named XXXX XXXX ( XXXX ) spoke to me in a condescending, argumentative and extremely unprofessional manner. He practically laughed mockingly at me and demanded close to {$400.00} for delinquent gym fees. I explained my membership had been cancelled and he did not want to hear it. I asked for a simple explanation of charges, totals, fees any backup he could provide - he would not elaborate. He was arrogant, spoke with a loud angry tone and it made me extremely uncomfortable. I felt threatened. 
I reached out to ABC Financial, the third party billing company that XXXX XXXX uses ; I spoke with XXXX again who told me the account had already been transferred over to XXXX XXXX  so she could not speak any further about it. XXXX was able to at least tell me I was responsible for one last month due to the terms of my membership totaling {$49.00}. I then prepared a check in this amount to XXXX XXXX which was mailed to XXXX XXXX XXXXXXXX in XXXX XXXX California XXXX. 
A few weeks went by without any calls but I now have again heard from XXXX, today receiving a message from XXXX XXXX. 
After XXXX this company online, I was not surprised to see many other people with similar experiences. These people are relentless and I feel I fairly paid what I owed, even with the gym offering to forgo charging its members. I do not feel I should be held accountable to any late charges or the XXXX XXXX from these ruthless people.
Product: Credit reporting or other personal consumer reports

-This consumer reporting agency engaged in abusive, deceptive, and unfair practices of the FCRA which it prohibits. They reported this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FCRA I'm entitled to XXXX dollars per violation and clearly they violated my rights and still are violating my rights as of XX/XX/year>. Per consumer law it is a violation against me and my rights to report an ongoing dispute that is being investigated. Experian is still reporting this alleged account as a late payment ( screenshot attached as evidence )
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran several times without my knowledge
Product: Credit reporting or other personal consumer reports

I opened an account in XX/XX/2022 with XXXX ( XXXX XXXX credit card ). Upon opening the account, I notified XXXX of my XXXX XXXX and stated I would need paper statements as I dont use email on my own.

No paper statement was ever sent, and because of this, I never received a statement for a {$15.00} charge and was late for payment by 30 days.

Upon being late, they finally sent an email which one of my assistants saw and paid the account in full at the 31 day mark.

I had two letters written to their consumer disputes department to remove the remark from my credit report since this was their error as described above.

They failed to remove this from my report after two letters and an internal complaint being opened. They also failed to notify me in writing of any decision after the internal complaint was filed.
Product: Credit card

I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.
Product: Money transfer, virtual currency, or money service

I mailed a rent check to my landlord at the end of XX/XX/XXXX for my XX/XX/XXXX rent. On XX/XX/XXXX my landlord informed me that he had not received my rent for that month. I looked into it, and saw that through online banking ( including pictures of the supposedly " endorsed '' check ) that the funds for my rent had been withdrawn. The check had been endorsed by a person that was not my landlord. I immediately ( as in the same day I found out ) went to a Santander branch to file a claim. I was informed by a Santander branch manager in XXXX XXXX, XXXX that based on my description of events that I would " get my money back. '' After four months they have determined that I was liable for the funds taken from my account by way of the stolen and fraudulently endorsed check. How is the bank that allowed this deposit not liable? How is the USPS not liable? How was this check stolen, and why does that make me liable? Am I now finding out that a signed check can literally be used like cash, and I have no recourse? I would like to file a complaint against Santander Bank due to this gross miscarriage of justice on the part of their fraud investigation team. I believe that they have not exercised their due diligence in this investigation. I was also advised multiple times, as I have checked in on this investigation periodically throughout the interceding months, not to file an official police report related to my claim. I feel as though I was deliberately mislead by Santander Bank to reduce their culpability in this matter. I will be filing a police report today, but I would like to file a claim with this agency as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I am requesting an investigation into the following item ( s ) listed on my credit report : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX and XXXX XXXX  Account number : XXXX. I am requesting that Equifax conduct a thorough investigation into these discrepancies and provide me with the results. According to the FCRA, you are required to investigate disputed items within 30 days of receiving a consumer dispute.Please provide me with information on the actions taken, including any corrections made to my credit report as a result of your investigation. Additionally, please send me a copy of my updated credit report once the investigation is complete.Thank you for your attention to this matter. I look forward to receiving a prompt response.
Product: Credit reporting or other personal consumer reports

I submitted several notices to EQUIFAX for the removal of a public record that is not mine. XXXX has attempted to reach them as well to have them remove it and EQUIFAX refused to respond to them. They have caused me grave financial danger by way of intentionally misreporting inaccurate information. This is egregious behavior and a direct violation of Title 15 s.1681 ( a ) ( 1 ), 15 USC 1681 ( a ) ( 3 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( 3 ) ( L ) ( e ), 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( I ) and 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( III ). It appears that EQUIFAX is attempting to undermine Congress, FCRA, CFPB and the UNITED STATES CODES. I sent a similar complaint through the CFPB several months ago with documented evidence of my claim, XXXX & XXXX complied. EQUIFAX has not sent any documentation nor have they removed the item from my consumer report.
Product: Student loan

I made my payment before my due date, I got a letter a few days later from NelNet that my payment was returned. I contacted my bank and they told me that NelNet never even attempted to charge my account. I called NelNet and asked them why my payment was returned and they can't even tell me why.
Product: Credit card

Citibank has a XXXX day late payment that they are reporting to the credit agencies from 2013. I have been a customer for XXXX years and have never had a payment go out after XXXX days. It was sent and postmarked prior to the XXXX days that they reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XX/XX/XXXX    Credit Bureaus (  XXXX /Transunion/  XXXX   ) To whom it  may  concern : I sent a certify letter back in  XXXX  of   XXXX   requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file.  <P/>  XXXX   XXXX   (  Signature Loan )  XXXX  Verification of  13  late payment on :  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX   XXXX   XXXX   (  Auto Loan  )   XXXX  Verification o f 19 l ate payment on :  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  XX/XX/XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX   (   XXXX  )  XXXX  Verification for 7 late payment on :  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  (  XXXX   )   XXXX  Verification for 7 late payment on :  XXXX ,  XXXX ,  XXXX , XX/XX/XXXX  XXXX , Thank you  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed that a bankruptcy is being reported on my account. I have contacted the credit reporting agencies to get this information removed with no resolve. I am disputing this derogatory information as it is harmful to my personal report and because I never gave my consent to share this information to my my report. 

15 US Code 1681 b Permissible Purposes of Consumer Reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to it relates.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

The consumer reporting agencies are violating my consumer rights.

They stated that the information was acquired from a third party source and shared without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC has continued to defame my character publicly by illegally reporting my information to the major credit bureaus. Pursuant to 15 USC 1681b ( a ) ( 2 ) a consumer most give written consent in order for anyone to publicly report information about them on or to any credit reporting platform. I XXXX XXXX did not give LVNV Funding LLC permissible purpose to report any information about me. I also have not been presented with any court ordered documents by LVNV Funding LLC giving them permission to do so pursuant to 15 USC 1681b ( a ) ( 1 ). I have made several attempts to inform LVNV Funding LLC that the information they are publicly reporting is illegal and infringes on my constitutional rights. Further more credit reporting is voluntary and not mandatory as expressed in the 2012 CFPB white paper, specifically page 15 section 3.1.1.
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 XXXX XXXX. 


Experian : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
Please provide the names and business addresses of everyone 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 recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with TransUnion and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Advanced Capital Solutions has called my cell phone repeatedly. When I have answered, I have told them the person they are looking for no longer has this number. When I have not answered, I have called back the number left in the voice mail and told them that the person they are trying to contact no longer has the number. 

This morning ( XX/XX/2017 at XXXX, pacific ) they called yet again. There had been a long break so I thought they might have actually listened to me.. Alas, they  have not. 

The number called from : XXXX. The message left was from " XXXX XXXX '' and the number in the voice mail was XXXX.
Product: Checking or savings account

We have a checking account with Wells Fargo. 

Back in XXXX of 2024, the rent check of {$10000.00} we mailed to our landlord was stolen and the thief altered the payee name and cashed the check. Later on, we found out the check was cashed/deposited at XXXX. 

We didn't catch the stolen/fraudulent check when it was processed because it was the right timing and the right amount. 

Our business has been struggling ever since XXXX so we owe a lot of back rent. Our landlord didn't let us know about not getting the rent check because we haven't been paying every month and we owe a lot in back rent. 

We received an email from our property XXXX at the end of XXXX and we thought the amount was higher than expected and I started looking at all the check copies and that's when I noticed the check ( image attached ) had a weird name under " payable to ''. 

I was out of the country from the middle of XXXX to the beginning of XXXX so I noticed it after I came back home. 

I filed a claim for the fraudulent check on XX/XX/year>. Wells Fargo claims rep told me that we only get XXXX day to file a claim for business accounts and denied the claim. I went to the branch and talked to a XXXX and was told that the XXXX  day to file is not true and she re-opened the claim. I've filed and reopened the claim multiple times but Wells Fargo kept denying the claim saying I filed the claim too late. They did acknowledge that it's clear the check was tampered with. I was told by a different claims rep that we only have XXXX days to file a claim for a fraudulent check this time. I don't understand why the cut off to file a claim keeps changing depending on which rep I talk to. 

I'm uploading a check to our landlord and the check that was tampered with. Anybody can see that the check was tampered with. 

I had a similar case with XXXX and they reimbursed the funds even though I filed XXXX months after the checks were processed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has an older trade line on my credit bureaus which I have disputed but since the credit bureaus make money from XXXX XXXX they side with them on the validity of this debt. This has caused me significant stress as I have a very XXXX XXXXXXXX ( XXXX XXXX XXXX ) which stress causes me to have painful spasms. I am XXXX XXXX XXXX under SSDI Compassionate Allowance List for XXXX XXXX. I have disputed this older trade line but never received any letters or statements as required by federal law under FCRA and FTC that show this debt as valid. Since I never received and mail regarding this debt to validate as required by law, I kindly ask this tradeline be deleted from credit bureaus. If not deleted, I also intend to find a ADA ( American Disability Act ) complaint as I am disabled and it should not cause me more stress with my disease trying to get written validation of debt that it is mine. Since I did not receive any letters years ago, I kindly ask this tradeline be deleted off my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting 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
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to the section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) there are specific permissible purpose for obtaining a credit report. I did not authorize these account a can not find any permissible purpose under this section that justifies their presence on my report. Please delete hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom this may concern : My name is XXXX XXXX. My credit report was just hit with a Ohio XXXXXXXX XXXX This bill is not mine. The address where this service was on at I never lived at. Please can someone resolve this at soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We contacted Rushmore LLC on XX/XX/2020 to make arrangements to make payments on our mortgage. The rep took all of our financial info and assured us that they would be in contact regarding a payment plan to catch up on payments. One week later I called and I was told to call back the next week, I asked for an email to verify our phone conversation and was told the company did not use email. I have tried for the since then to call every number I can find and I get put on hold for upwards of 45 minutes. I have yet to speak to a human being. I have been unable to log into my account since the beginning of XX/XX/2020. Please help