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

Dear Sir/Madam, I am writing to formally request the removal of an address listed on my consumer credit report that is inaccurate and reflects an address at which I have never resided. The inclusion of this incorrect information violates your obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e - Compliance procedures, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
The erroneous address currently listed is : Incorrect Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NY XXXX Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Additionally, per 15 U.S. Code 1681i ( a ), upon notification of a dispute, agencies are obligated to investigate and correct any inaccuracies in a timely manner. 
I request that this inaccurate address be removed from my credit report immediately and that the necessary corrections are made to reflect only accurate and verifiable information. Please confirm in writing once this has been completed. 
Thank you for your prompt attention to this matter. I trust that you will resolve this issue in compliance with the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account ending in XXXX on my credit report is a fraudulent account that was done via identity theft. This dispute was taken before a judge and the judge ruled in my favor agreeing that the account was fraudulent and ordered the Credit bureaus remove the tradeline from my credit report. See attached ruling. Despite that the credit bureau will not remove the tradeline
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated, my rights. 

15 USC 1681 Section 602 Sates I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/year> be removed from my credit report. 1 ) account belonged to XXXX XXXX XXXX XXXX 2 ) was included in bankruptcy and paid off. Account is old but keeps returning to my credit report.Remove account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied at a job and you handle background checks for that company your information is way off of being correct
Product: Debt collection

XXXX XXXX XXXX was the place I went a few years back after a XXXX XXXX XXXX XXXX, for XXXX XXXX. I got a lawyer, XXXX XXXX XXXX, and they said " this was never found in the discovery period. ". I have TRIED to pay this to XXXX XXXX XXXX, but their phones are off and business closed! There is no way to contact them. So they, without notice, sent me to a collection agency of Cornerstone credit services.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase.com and on XX/XX/2021 had approximately {$7500.00} in cryptocurrency in my account. During the early morning hours of XX/XX/2021 I received text messages from Coinbase of suspicious activities in my account and asked if it was me initiating these activities. I awoke from my sleep to answer the texts and responded that it was not me and locked my account. I called and learned that my money was safe but account was locked and would have to wait 24 - 48 hours to have access to my account. I specifically asked to verify that my money was not moved but again reassured that it was safe. I later learned that all my money but {$0.00} remained in my account. I also learned that my personal bank account linked to my Coinbase account had {$1000.00} transferred from my bank to Coinbase during this same time frame. In total, I sustained a loss of approximately {$8500.00}. Communicating with Coinbase to investigate what occurred has been almost impossible. Each time I spoke with a live representative, I was told that my case was being referred to the next level and that I would be contacted by that level within 24 hours. That " level '' has yet to contact me. Coinbase has failed to protect my money, replenish my losses and respond to my desperate requests for answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not/refuses to update remark as stated/dictated. Proof can be provided that it was paid. It was provided over the phone and thru thru an online dispute.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding an inaccurate late payment reported on my credit report by XXXX XXXX ( XXXX ), which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Despite my efforts to resolve this matter directly with XXXX, their customer service has failed to provide sufficient proof to substantiate the late payment. 

I have made multiple requests for evidence of the late payment, but XXXX has been unable to provide the required documentation or proof of the alleged late charge. This raises serious concerns about the accuracy and validity of the information they have reported to the credit bureaus. 

Additionally, I am deeply concerned that XXXX XXXX has experienced several data breaches in recent years, including a significant breach in 2023. These breaches may have compromised the accuracy of customer data, and I fear that the erroneous reporting of a late payment on my credit report could be the result of such a breach or internal system failures. XXXX 's inability to provide proof further raises questions about the integrity of their reporting processes and the protection of consumer data. 

I would like to highlight that under 15 U.S.C. 1681, the FCRA requires that credit reporting agencies and furnishers of information, such as XXXX, ensure that the information they report is accurate and verifiable. In this case, XXXX failure to provide proof of the alleged late payment is a violation of this requirement. 

Furthermore, under 15 U.S.C. 1666b, the FCBA imposes clear guidelines regarding the proper handling of billing errors, including a requirement for creditors to provide verifiable documentation in response to disputes. Since XXXX has not fulfilled this obligation, I believe they are in violation of these provisions as well. 

Given these concerns, I am requesting that the CFPB investigate this matter and assist in ensuring that my credit report accurately reflects my payment history. I would also appreciate guidance on how I can formally dispute this entry with the credit reporting agencies, and ensure XXXX is held accountable for any inaccuracies or violations of my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response and any further steps I can take to resolve this issue. 

https : XXXX XXXX
Product: Checking or savings account

On approximatelyXX/XX/2024, my purse was stolen from my car in XXXX MN. The criminal went to a XXXX XXXX and charged {$510.00} on my visa debit Wells Fargo card. I immediately called the police and they filed a report. I called my Wells Fargo and reported my card stolen. The card was deactivated and I opened up a fraud claim and they gave me 'provisional credit ' in the amount of XXXX. 
I thought this had been all taken care of and I would get my XXXX back but about a month later in early XXXX I got a letter from Wells Fargo saying that they had completed their research and found that this was an authorized transaction and no error occured. The letter said that they were going to deduct then 'provisional credit ' from my account and that my claim was closed. 
I immediately called the claims department ( XXXX ) and pleaded with them to reconsider, as I was a victim of theft and had a police report to prove it. 
When I call them, I get no information on how my reopened claim is doing. They are very secretive about it, and I am very discouraged as Wells Fargo has a history of corruption in how they have treated their customers unethically such as the fake accounts scandal a few years ago. Please help me, I am not a wealthy person and XXXX is a lot of money for me. I don't know why WF is stalling, as they make billions every year and this is just pennies ( {$510.00} ) to them. I don't know what else to do. I have faxed them the police report. If you can do anything to help my case, I appreciate it. Thank you
Product: Credit reporting or other personal consumer reports

I Have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit card or prepaid card

Someone filed a change of address online for my credit card account. I received a confirmation letter in the mail for an address change a I never made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me, XXXX XXXX XXXX, XXXX, XXXX. .. I have never given permission for them to inquire my credit status, please remove it from my Equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The events started with the Equifax security breach ( XXXX ). 

At this time, no money has been stolen but there have been attempts to breach my, and my families accounts since this date. The most recent, XXXX, was an attempted breach on our XXXX account which was caught by their two step authentication process.
Product: Payday loan, title loan, or personal loan

-On XXXX/XXXX/XXXX ; XXXX XXXX insisted that I ( XXXX XXXX ) obtain financing through Wells Fargo Bank to pay for services- - I do not feel I made a sound decision about whether I needed or wanted these services- -We had called for a plumber to clear the back up in our toilet- -We found an ad behind the XXXX XXXX telephony book for drain cleaning @ $ XXXX -When XXXX XXXX  came to clear the drain ; they did so for free and told us it was not a sewer problem- -later they insisted we get an inspection completed to look at our sewer- -XXXX XXXX claimed I had cracks in my sewer -I was told by XXXX XXXX my home owners insurance would not cover the expenses and if the city found out about the cracks in my sewer they would charge me up to $ XXXX -XXXX XXXX offered to complete the work for $ XXXX -Out of fear & circumstances I consented but did not know what I was consenting to- -I am an elderly XXXX veteran ( XXXX XXXX ) & was made to sign many documents via a tablet ; I was unaware and confused of what I was signing- -I was made to receive a loan from XXXX XXXX through Wells Fargo Bank to pay for the plumbing services I am not certain I needed- -I am on a fixed income and a XXXX man- -The financing loan was for {$11000.00} and XXXX XXXX  was still charging up to {$22000.00} for the job- -Victim received a credit card with the Wells Fargo logo that has XXXX XXXX written across it-
Product: Prepaid card

My dates go back for years, thats how long I have been with Cash App. The most recent ones are for XX/XX/2024 for XXXX never received and one for XXXX XXXX XXXX 2024 that I never received. I tried to contact them no response til this day. You can never reach anyone or talk to a live person.
Product: Credit reporting 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 15 USC 1681.

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 repo
rt 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, credit repair services, or other personal consumer reports

My complaint is against Experian XXXX XXXX XXXX Score for auto, do not show the four auto loans that I have paid off. Current I am seeking to purchase a vehicle and when the deals run the XXXX XXXX score, it doesn't show the vehicle have been paid off and cause me to have a low XXXX XXXX score and not able to purchase a vehicle. 

XXXX XXXX XXXX XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$9000.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$15000.00} Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$11000.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX CRED Balance details Balance on XX/XX/XXXX - Original balance {$2500.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bankrupcey experian dispute report # XXXX i have disputed this account on more than one occician and i have also asked experian to provide me with a verifaction letter of the data and information of this account and i get nothing and the disputes always say nothing has changed this bankrupcy belongs to my ex husband i never filed nor did i ever sign anything this bankrupucy has hurt me and my credit as far as buying anything i get turned down everywhere i go this has effected me mentallly and emotionaly
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I called Experian Fraud Department to make them aware that I did not give them written permission to " Report '' anything and that there was incorrect/inaccurate information being reported on my Credit Report. I also demanded that they remove the incorrect/inaccurate Information immediately. I was told it could not be removed immediately and it would take up to 3 days. 

On XX/XX/XXXX I received an email from Experian letting me know the results and my Credit Report was updated. 

As an informed consumer and aggrieved applicant as described in 15 USC 1692a ( 3 ) and 15 USC 1691d ( e ), I, XXXX XXXX XXXX XXXX solemnly swear that the aforementioned are true and correct to the best of my knowledge and belief or under penalty of perjury I agree that everything I say is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE and XXXX DEPARTMENT OF EDUCATION have both violated Consumer Law. ( Title15 USC 1681a subsection 603 ( 2 ) ( a ) ( 1 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. I didn't authorize them to report late payments or utilization. Please promptly have them remove these items off my credit report across all XXXX  reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra not mine : XXXX XXXX - Closed 2 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX XXXX  Account type Secured Loan
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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/year>
Product: Debt collection

We are trying to set up payment arrangements and the company Hunter warfield Inc., stating they wo n't give me any prof if I 'm making payments that it would hair sit on my credit no receipt number or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX STATED ON XX/XX/XXXX THEY SENT MY FREE CREDIT REPORT THAT I HAD REQUESTED. 
IT IS XX/XX/XXXX AND I HAVEN'T GOTTEN ANYTHING BY EMAIL OR REGULAR MAIL FROM THEM YET.
Product: Debt collection

Reliant Capital contacted my significant other on his cell phone, which violates the statute on cell phone contacts, twice, he informed her that it was a cell phone. She called back we had no idea what the debt was for and she proceeded to tell him the nature of the debt, how we 'did n't want to resolve it ' when we have no paperwork at all supporting that we had a debt and this was the first contacts we have received from Reliant Capital . She used combative language with him and told us that the full balance would be charged to us there would be no negotiation. All on initial contact with someone who is not even the debtor. Reliant Capital needs to review with their client 's consumer rights and the costs to the collector personally and professionally for threatening their clients. The number she called from was this : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX  Balance Owed : {$25000.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Kikoff for violations of the Fair Credit Reporting Act ( FCRA ) and the Federal Trade Commission Act ( FTC Act ) related to inaccurate and inconsistent credit reporting.

Kikoff is reporting conflicting information across the three major credit bureaus ( XXXX, XXXX, and XXXX ). For example, XXXX shows the account as open with a current balance, while XXXX reports it as closed with a XXXX balance. Experian displays no account related to Kikoff at all. Under FCRA Section 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate and consistent data. This inconsistency is a clear violation, as it misleads lenders and negatively impacts my creditworthiness. 

Despite multiple disputes through the credit bureaus and a formal XXXX complaint, Kikoff has failed to provide a satisfactory resolution. Their responses have been generic, avoiding the core issue of inconsistent reporting. They have also improperly shifted the burden of proof to me by requesting official credit reports, even though they have direct access to the same data through their reporting agreements with the credit bureaus. 

Furthermore, Kikoff 's failure to correct these discrepancies violates FCRA Section 1681i ( a ), which requires data furnishers to investigate disputes thoroughly and correct inaccurate information within 30 days. Their lack of action demonstrates non-compliance with federal regulations. 

I am requesting the CFPB to investigate Kikoff 's reporting practices and enforce corrective measures. Specifically, I request the deletion of the disputed tradeline from all credit bureaus due to their failure to provide accurate, consistent, and verifiable information in compliance with federal law.
Product: Credit reporting 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 15 USC 1681. 
Accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX These accounts have 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

On XX/XX/year> my credit score rose to XXXX, with no changes reported at all, on XX/XX/year> my score dropped XXXXXXXX XXXX. I consulted both FICO and experian to ask what changes they have being reported that made my score drop as none are visible from my reports, neither FICO nor Experian were able to identify any changes reported, so essentially my score dropped XXXX XXXX XXXX month after it went to XXXX for absolutely no identifiable reason. There is no easy way to reach experian but after numerous attempts to call I was able to reach a dispute agent and had a ticket created... waiting for them to confirm that no changes were reported and I shouldn't have had the score decrease