23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this account is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe Hide full complaint you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I have disputed a Bankruptcy reporting with XXXX, XXXX, and Equifax. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

We've send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report.
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report that has not been corrected despite multiple disputes submitted to XXXX, XXXX, and Equifax. The information reported is incorrect, and the credit bureaus have continued to verify it as accurate without conducting a thorough investigation, which is required under the Fair Credit Reporting Act ( FCRA ). This failure to investigate properly and correct the inaccuracies violates sections 611 and 607 of the FCRA, which require that only accurate and verifiable information be included on credit reports. 

I have attached documentation proving that the information is inaccurate, and I am requesting that this information be removed immediately. The continued reporting of false information is detrimental to my credit and represents noncompliance with federal law. I expect this matter to be addressed promptly and for my credit report to be updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Product: Vehicle loan or lease

I recently had a lease vehicle repossessed by   XXXX   XXXX   XXXX   out of  XXXX , MI. The fellow who repossessed the vehicle stated he knew my nephew and such. I was cooperative and was not at all angry. I did today receive news that this agent went to my nephew and told him he had repossessed my truck and was looking for my wife 's truck. My property is posted no trespassing which he violated as well. My problem with them is that they violated my privacy by telling my personal business to people. What is my options for recourse with this agent and company?
Product: Credit card

Citi bank charged me late fee and interest for the payment not paid on time due to technical issues at my bank. 

As soon as I learned the issue, I arranged payment from a different bank one day after the deadline and I alerted Citi bank right away. It charged me a fee anyway.
Product: Debt collection

I have never Had a contract with them and I explained that i do not owe  Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information on my credit report # XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX # XXXX XXXX  XXXX Bankruptcy on XXXX XX/XX/XXXX # XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX # XXXX inquiry XXXX XXXX XXXX Bank XX/XX/XXXX # XXXX XXXX  XXXX Bank XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Sent a certified request for debt validation and attempted to resolve the matter amicably. Did not claim the debt as my own. I tried a 2nd resolution but was not notified of my right to dispute the account. I attempted a 3rd time via phone and could not resolve it, nor did I receive validation of my debt. These are violations of the Fair Debt Collection Practices Act ( FDCPA ), and I am entitled to redress them as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report that DOES NOT belong to me. I have called the actual company and they have no record of me. i have written to the 3 bureaus and asked them to remove or verify the inquiry. Here is the inquiry : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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

I am writing to dispute the incorrect names listed on my credit reports. The only correct name that should appear on all of my credit reports is XXXX XXXX. 

However, I have noticed the following incorrect names on my credit reports : XXXX XXXX XXXX XXXX XXXX These names are inaccurate and should be removed immediately. Having these incorrect names on my credit reports can cause confusion and potentially impact my creditworthiness. 

I have attached copies of my government-issued ID and any other relevant documents to verify the correct spelling of my name as XXXX XXXX XXXX 

I kindly request that the Consumer Financial Protection Bureau assist me in ensuring these inaccuracies are corrected promptly by the credit bureaus and that the incorrect names are removed from my reports.
Product: Credit card

The XXXX XXXX from this situation is XXXX, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI intentionally tried to lower my credit score. The third-party agency posted a negative mark on my credit report. First, my name on the bill is not correct, this account does not belong to this agency. They purchase debts from other businesses and claim I owe the money to them. They show proof of a telephone bill that can be obtained anywhere and I think by not validating the debt is a violation of the credit report fair act. I attempt to resolve this issue but they are refusing to comply. This agency is violating the act in many levels and I a demanding from they to delete this mark from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account that is reporting on Transunion is : not mine/no knowledge of account. It is reported as : XXXX XXXX, account number XXXX. Please initiate investigation.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

I opened up a bank account a checking account with Citibank. I received a debit card and all is going well. Even set up direct deposit I had over {$2000.00} in my account now Im down to {$300.00} after I receive the direct deposit from my work And their direct deposit went through. My account was closed without my authorization or knowledge and was told that I had to wait XXXX to XXXX business days to receive my funds now every time that I tried to contact them to transfer my phones into a new account or get an update. I am either hung up on Transferred ignored and lied to Since this occurrence, I am not able to open up in a bank account with any other bank because of this I have no money to eat provide my father with rent because of this I have no money for gas to get to work because of this Also, I am not able to log onto my account via app desktop because I dont have my account number. I was never given checks I am unable to see my account number only the last four numbers from it
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for account # XXXX with XXXX XXXX. These late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time through autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. My account was fully paid on time, and autopay was active to ensure consistent, timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness and payment history.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, allowing for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 
Summary of Errors on Account The XXXX XXXX account displays several discrepancies across credit bureaus. Equifax incorrectly reports 30-day late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, while XXXX and XXXX report late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite timely payments through autopay. XXXX and Equifax list a high balance of {$30000.00}, while XXXX shows {$0.00}. 
Additionally, the " Date Reported '' and " Date of Last Activity '' differ, leading to inconsistencies in account status. Equifax inaccurately describes the account as " closed or paid account/zero balance, '' while the dispute status remains " not disputed '' despite prior correction requests. These errors collectively misrepresent the account 's payment history, balance, and dispute status. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I attempted to make a deposit of {$1400.00} into my Coinbase account from a bank account that I had closed but had forgotten to remove from my account. 

XX/XX/2021 I received notification that my deposit was denied due to lack of funds. I was informed I had 5 business days to fix this before they would liquidate the cryptocurrency positions that I had made with the money the loaned me reclaim it. ( Coinbase " lends '' you the money pending the completion of your ACH deposit, so you don't have to sit around waiting for the cash to arrive, you can dive right in and generate commissions for them. ) Embarrassed, that I chose the wrong bank, I immediately fixed it. Again, I ddi this on at was on XX/XX/2021 There was a link in the email that said " Deposit Funds '', so I made a deposit of equivalent size from an open bank account {$1400.00}. 

Coinbase sent an email to me on XX/XX/2021 telling me that the account recovery was complete and they unfroze my account. 

On XX/XX/XXXX, they sent me another email telling me about the failed deposit on the XXXX and that they were going to take the money from my account. 
This is after I repaid them and they unfroze my account. 

Also on XX/XX/XXXX, they took all of my cryptocurrency from my account.. All of it. 

I understand that they had a right to retrieve funds - but I made a " good '' deposit to cover the " bad '' deposit the next day. Furthermore, somebody made a mistake and they actually admitted it in an email. " oh yeah, i see the deposit from XX/XX/XXXX right here '' They do not answer their customer support number. They do not make outbound calls. They do not respond to emails with anything except copied and pasted responses which do not address your issue. Basically they pull up the drawbridge and ignore the peasants. 

I filed an internal complaint about this with them on XX/XX/2021 and according to their terms and conditions they were supposed to get back to me within 20 business days. They haven't done this. They said my case is still pending. Of course, that is because they have been stealing from a lot of other customers as well. There is a backlog of fraud at coinbase. 

The facts are in my bank accounts and even in my coinbase account it shows that I repaid them the money the same day, and they still stole the money out of my account. 

In their terms and conditions it states that by using their site I waive my right to sue them and have to use binding arbitration. I can only request binding arbitration AFTER they review my complaint with their internal review. They have had my complaint for a month and there is no end in site. There is no idea how long that will take. 

Finally, I am not the only victim of this. The Internet has dozens of similar complaints from people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I did not give consent to the credit bureaus ( XXXX, Transunion and XXXX ) to add my bankruptcy to my credit report. The U.S. Bankruptcy Court of Central Illinois states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I applied for a mortgage for a manufactured home. We applied with 21Mortgage.com. This process is so flawed and discriminatory. With our income we far exceed the minimum. Our income is more than {$5500.00} a month. I got a call from who XXXX stated that it was because of our car payments, which are not very much. XXXX was very dismissive and rude and I feel that because we were white that is why we were denied. We meet and beat all of their requirement that are on their website. This is not a fair and equal process as stated by the FTC. They were looking for a reason not to be fair and equal under the law. I am attaching their decision and their one and only reason for denial in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS and XXXX are obligated by the Privacy Act of 1974 to protect my rights against unwarranted invasions of my privacy. On XX/XX/XXXX for the second time in 24hrs AMERICAN EXPRESS shared my personal information to include my transactions and experiences to XXXX XXXX which is a third-party company. XXXX also shared my data with XXXX which is also a third party company. This reporting is in direct violation of 15 USC 1681a ( 2 ) ( 1 ) and the Privacy Act of 1974. AMERICAN EXPRESS and XXXX are liable under the SEC to follow certain rules. AMERICAN EXPRESS Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( Trustee ). In addition to this complaint, I will be filing a form 211 treasury omb forms to have my consumer account audited. I am aware that XXXX is securitizing my consumer data, but continues to break the law by sharing my data with third party companies.