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

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? 
If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?
Product: Credit reporting, credit repair services, or other personal consumer reports

I at one point had a loan with possible finance. So kind of way the loan defaulted. Nevertheless, I reached out to possible finance and requested a pay for delete. I am showing that this account was removed from XXXX and XXXX. However, its still showing on my XXXX report. Im trying to purchase a home and Im begging your company to please remove this account from my XXXX ifs drastically affecting my score please and thanks
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$510.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX  XXXX Balance : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX  XXXX Balance : {$510.00} XXXX XXXX  XXXX Balance : {$220.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate account reporting. I contacted the credit bureau and they failed to follow-up with my complaint of multiple unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX DOES NOT BELONG ON MY CREDIT I NEVER LIVED THERE I AM A VICTIM OF ID THEFT XX/XX/year> XXXX Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XXXX XXXX XXXX ( XXXX yrs, XXXX mos ) Account status Open
Product: Debt collection

I found out in XXXX XXXX I had judgement entered against me. I was not aware that judgement was entered in XXXX, I was never given court papers. It was explained to me I was served papers by substitution, that is not fair. I can not speak XXXX very well, but I was able to have a friend try to help me settle. They have raised the debt by way to much money and are not being cooperative in settling this debt for a fair amount, even though they never served me properly. I feel like I have been taken advantage of and now being forced to pay a large amount I can not afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX  bankruptcy inaccurately reporting on the credit profile associated with my social security number and violates my consumer rights per the following information : The Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. The bankruptcy is currently reporting on Transunion and not on XXXX or XXXX. As the consumer I've previously reported the bankruptcy as inaccurate and stated that it does not belong to me yet Transunion has failed to provide documentation proving the validity of the bankruptcy.
Product: Credit card or prepaid card

Credit karma falsely told me I had been pre-approved for credit offer leading me to apply and incur a hard inquiry on my report only to get denied and damage my credit report.
Product: Debt collection

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015- XXXX,XXXX,XXXX- called them and explained why the accounts were wrong. they told me to file a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, Experian and XXXX on XXXX/XXXX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with RMP LLC. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Product: Money transfer, virtual currency, or money service

I Was Able To Send/Receive Money With No Problem And Then Out Of Nowhere I WasntEverytime Ive Tried To Send/Receive Money In The Past Few Years Id Get A Message Saying They Restricted My Access To This Service
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I opened a Coinbase account and made deposits from my bank totaling {$7000.00}, to purchase certain cryptocurrencies that Coinbase supports. On or about XX/XX/XXXX I discovered that I could not access my account because Coinbase had locked me out and declared the account " Restricted. I submitted a support ticket to Coinbase making them aware of the issue. During a phone call with a " supposed Coinbase regulator '' remotely, he took over my computer remotely, accessing various files and uploaded my drivers license onto Coinbas 's recovery protocol. On XX/XX/XXXX Coinbase notified me that " Your Coinbase account recovery is successful, with no explanation why the account was frozen in the first place. On XX/XX/XXXX, I tried to access my Coinbase account, only to discover the account is restricted again. I had had no activity in the account between the two lock outs. 

I submitted a support ticket and Coinbase responded on XX/XX/XXXX with directions to click on a link that required me to pay {$490.00} to recover my account. I refused to the demand to make a payment. They responded by lowering the amount to {$380.00}! I immediately initiated another support ticket to Coinbase with copies of the the bizarre demands to pay money to recover my own account and my own assets. Coinbase has not responded with my request for support. If XXXX XXXX or XXXX XXXX tried this tactic with its clients, they would be shut down in a minute. I have no sense of control of my account or the my assets. This is America and in America we call this type of business practice as an unlawful, deceptive, fraudulent violation that demands regulation and punishment. Sadly, I don't believe that I am the only victim of what appears to be a one way scam. I am hoping that the Consumer Finance Protection Agency is able legally help rectify my situation and regain my liberty to access my own assets. Thank you for your attention to my request for your help in this matter. 
XXXX XXXX
Product: Checking or savings account

I bank with the Dime Savings Bank of XXXX. I am missing more than {$60000.00} in direct deposit funds. I work with the XXXX XXXX XXXX and XXXX XXXX.
Product: Student loan

On XX/XX/19 I called after realizing sallie mae had disabled my online acccount where I could see my billing statement, this was after about 200 harassing phone calls about how I was past due and needed to pay. I was pretty sure I was current and wanted to see my statement and how could I see my statement when they disabled my account? When calling to ask for statements to be mailed to me showing where the past due balance was coming from they representative refused to mail me statements and refused to give me access to my online account. It is now XX/XX/19 and I still have not received any statements in the mail nor have I received access to log in online but I did just receive a threatening phone call of basically pay or else. Isn't it illegal to refuse me my statements? I mean we all know sallie mae is bad but this is something else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXXXXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address.
Product: Student loan

The schools that I had these loans with are closed. They have been closed for a long time. I spoke with some one from the US Dept of Education and she was supposed to get back to me and I haven't heard nothing.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding my credit report, specifically in relation to TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding certain inaccuracies present on my credit report. To date, TransUnion has not responded to my inquiry. I am seeking assistance in rectifying this issue. Below, I have outlined the inaccurate information and the necessary corrections : The account under the name " XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX ) does not belong to me. I request that it be removed from my credit report. 


The account attributed to " XXXX XXXX '' ( Date Opened : XX/XX/XXXX, XXXX : {$670.00} ) is not associated with me. Please remove it from my credit report. 


The account in the name of " XXXX XXXX XXXX '' ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} ) does not pertain to me. I request its removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT BUREAU False Reporting of Credit Cards : Credit cards are all showing owed and not updated since a month ago going on and showing a high debt in which has Been paid off. 

Companies paid off : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX? XXXX XXXX are all paid off Experian has all credit cards showing owed in which there all paid off. 

My credit score went down do to paying off all my credit c cards by Experian and there is nothing but fraud going on with Experian in which I file a complaint with US attorney and the DOJ I have talk to XXXX XXXXXXXX XXXX  of filing a law suit on Experian for reducing credit scores and manipulated my credit in which paying off all credit cards. 

Experian needs to be investigated due to how they lower your score and rig with banks for money and predatory finance rigging of the financial consumer for higher rates and fees. 

There is mix use already of a woman 's name and mans name on my credit file causing mix use and lower score and incorrect information my credit file by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX I requested my credit report and noticed some inaccuracy of inquiry on my Equifax report i disputed with the agency but yet have not received any updates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 u.s.c 1681 I ( 5 ) They are supposed to modify accounts that aren't reporting correctly.

15 u.s.c section 602 A section 2 : States I have right to privacy 15 u.s.c section 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instruction 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 another 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 disclose to a customer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized inquires include : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquire on XX/XX/XXXX Attached is police report and paperwork with all fraudulent inquires sent to all brureas
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Coerced into a settlement program by the agent. Refused to give information about it until verbally agreeing, specifically making it seem like it's the only option. Also leaked my information with Bureaus and exposing me. Refused to give any info on the status of the account regardless of what information I provided.
Product: Checking or savings account

On XX/XX/XXXX I had XXXX fraud transactions take please on my debit card via XXXX XXXX ( XXXX XXXX is not set up on my phone ). They ( JP Morgan Chase ) closed the card, refunded me and sent a new card out. On XX/XX/XXXX I received a letter stating that the charges were done via XXXX XXXX and deem it valid so they are rebilling my account. I called on XX/XX/XXXX the date I opened the letter to advise them I dont have XXXX  XXXX  on my phone and they said there is nothing they can do cause they seem to think it was on my phone. I advised my Card number may be linked to someone else XXXX XXXX but if you pull up my phone a chase card was never registered past or present nor any card beside XXXX XXXX previously. When I asked them to verify if it was my device they refused. Im filing a complaint as it is possible XXXX was the method used but I am Certain my device nor any device in my home is associated with these fraudulent charges and Im extremely disappointed in the lack of protection and backing demonstrated by my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$52.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt from a utility company showed up on my report. After XXXX the company it appears to be a utility company down south. I live in Massachusetts and have been at my current address in Massachusetts for 4 years. I have never lived down south and get state assistance in Massachusetts. I disputed this information and they told me its accurate and it stayed on my report. I have never had any utility services with XXXX XXXX XXXX ( XXXX XXXX XXXX ). XXXX has removed the information from my report but XXXX and experian have not.
Product: Payday loan, title loan, or personal loan

The insurance company paid off what the vehicle was worth and they also made me take out coverage that I didnt asked for said I had to do it to be approved