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

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX Attached are copies of my state ID. Warm Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX CHRYSLER CAPITAL XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX and CHRYSLER CAPITAL has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 a consumer reporting agency can not furnish and account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Product: Credit card

XXXX  credit report showed I had an account with Santander Bank. I have never had an account with Santander so I pursued to have this corrected. XXXX reported the dispute was resolved in favor of the company. This can not be as I never had an account and want the account to be removed to avoid fraud.
Product: Debt collection

I have no idea what this debt is for. I was never contacted.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I sent a dispute CERTIFIED MAIL. It shows you have received it yet you have not provided me any results nor removed the items requested. Im preparing my legal case and these accounts MUST BE REMOVED due to violating my FCRA and consumer laws of no response and stalling on removals. XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. 

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate.
Product: Money transfer, virtual currency, or money service

Very poor handling of compromised accounts. My account was compromised and I immediately took action to block the account when notified by text. 

Txn 1 Date XX/XX/2021 {$2500.00} Txn 2 Date XX/XX/2021 {$2500.00} Nonetheless Coinbase allowed unapproved purchases to go through and get transferred out of my account. I did not even have that much in the account to buy anything. I had maybe {$500.00}. 

My bank rejected the request to transfer the money so the bank acted responsibly. Coinbase DID NOT. They still want to hold me accountable for purchase that I did not authorize.

Coinbase is absolving themselves of responsibility since it is digital and they have no way to trace. This is a weak excuse and frankly poor business practice. 

At this point I simply want to close my coinbase account and never deal with them again.

I can only imagine others have had similar issue.

See below for message I received from Coinbase. 

Thanks in advance for assistance. 

Regards, XXXX XXXX Here was message I received from Coinbase when I asked to close my account. I find this to be unacceptable since I did not have enough money in my account to do these purchases and as soon as I received message of invalid activity I reported my account as compromised. 



We are unable to close your account due to reversed transactions with your bank and an outstanding balance owed to Coinbase. We understand that your account may have been compromised and unauthorized activity occurred.

Customers are responsible for the security of their devices and passwords used to access their email and Coinbase account, and as such are responsible for any activity that occurs when those devices or passwords are compromised. Please visit our security page for more information : https : XXXX We do recognize the difficult position this puts you in. However, this does not change the current status of the account. We can not reimburse or credit for this outstanding balance owed to Coinbase because once digital currency is purchased or sent off the platform, we do not have a way to reverse these transactions.

Please note : In order for Coinbase to delete your account or consider restoring the purchasing ability for your Coinbase account in the future, you will need to first resolve the outstanding balance owed to Coinbase.
Product: Credit reporting

I have been requesting Equifax to remove an old negative account in my record titled " XXXX XXXX XXXX '' that was opened in 2009. Both of the other credit monitoring companies removed the account due to the elapsed 7-years time, but Equifax is not budging because they state that a collections company took the debt years later, so they are going to make me wait years. It is ridiculous because the account is the only negative mark on my credit report AND it 's been removed from the other credit companies ' reports! I do not understand why Equifax is being so stubborn, especially now that I am trying to apply for a mortgage and this one ridiculous negative mark is holding me back. Please investigate this account and explain to Equifax that there should be no reason to hold me back from my mortgage with this pointless negative account.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

When Navient was servicing my student loan, I called their customer service and asked them can I qualify for loan forgiveness since I am a public servant. They told me I do not qualify and failed to tell me what I can do to qualify.
Product: Credit reporting or other personal consumer reports

I signed up and used credit builder, an XXXX Credit Karma product, to build my credit after bankruptcy. After completing the program for 6-8 months, I elected to stop utilizing this service. I made contact to the company per their FAQs to sever this relationship ; the request went no where. A support agent stated they made an expedited request weeks ago ; nothing. The company is expecting $ XXXX, in perpetuity. Any request to agents to close this account results in a request and they end the chat with you so not to have to deal with you. 

This company is setting up relationships with the most financially vulnerable in our society and is taking advantage of their desire to not ruin their credit just to keep the money coming in. 

PLEASE HELP!!
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 the accounts are accurate, without providing any evidence of a thorough investigation. This is a 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 Finacial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumer with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate information with two seperate companies for diferent negative amounts. by XXXX XXXX XXXX and Natnl Credit Systems for same account.
Product: Debt collection

The Hunter Warfield collects the money for The XXXX at XXXX XXXX. The XXXX at XXXX XXXX was greedy and expected me to pay more. Based on the contract, the XXXX Landlords duty did not complied with the building and housing codes. 
The mechanical room came out somethings has damaged the carpet. See the picture XX/XX/19. The water of the old plumbing system was very dirty, and not sanitized. See the picture XX/XX/19. These unsafe conditions were affected my health and made me sick. I had to suffer to stay there for 3 years. The XXXX Landlord knew these serious conditions and pretended to do the renovation. The XXXX Landlord sent the threatening letter and forced me to pay more or move out with a short notice dated XX/XX/19. The XXXX Landlord forced me to move out for their repair on XX/XX/19.
Product: Credit card

I was in a coma from XX/XX/XXXX until XX/XX/XXXX. My husband has no idea how to even pay the house payment. AS SOON as I got out of the hospital, I started going through mail. I immediately paid {$100.00} on my XXXX XXXX XXXX. There was a huge late charge. They then turned around and turned the {$40.00} bill from XXXX in as delinquent to my credit report. I talked to XXXX at their customer service when I realized what they had done. He promised that he personally would take that whole {$40.00} off my credit report by XX/XX/XXXX and would send me a bunch of coupons. The only thing he did was report it up to date but the delinquency is still there. How do I get it off?
Product: Credit reporting, credit repair services, or other personal consumer reports

they are couple accounts in my credit report that violate the HIPPA Law and this company is letting happening without proper investigation as my requested. 

please see attached all my dispute letters i also move i am sending my current address as well with my ID
Product: Credit reporting

I have credit inquiries that were deleted but re-inserted on my credit. I submitted a credit dispute but they have yet to remove the inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX - TransUnion is in clear violation of the law and my right to privacy as defined under the FCRA. I demand a reinvestigation into the methods used to verify the completeness and accuracy of the information presented on my credit profile. I repeat I WANT THE METHOD OF VERIFICATION USED TO VERIFY THE COMPLETENESS AND ACCURACY OF INFORMATION ON MY CREDIT REPORT. Furthermore, pursuant to 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I never gave written instructions to TransUnion to furnish data on my credit profile regardless of the findings of the initial investigation. It has taken more than 30 days for the initial investigations. I demand the items I requested be removed from my credit file. XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX. CFPB this will be their final notice.
Product: Credit card

Last month  (   XXXX   XXXX   ), I  had an outstanding balance of {$23.00} on m y GAP Visa c redit card. I did not make any new purchases on the card that month. I was charged a late fee of {$23.00}. Interestingly, this is the exact amount of the amount owed on the card!! Is this even legal?? Plus I was charged a minimum monthly interest fee of {$1.00}, so the total fees for the month were {$24.00} which exceeded the outstanding balance on my card. I do n't understand how I can be charged fees that are higher than the amount owed on the card. Please help!
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

I had my credit at XXXX suddenly low for the use of a card for {$150.00} when its limit is {$1000.00}, 22 points of my credit went down, this affects me now that I want to get my house, XXXX  and Equifax did this by mistake there was no excessive use of credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge off account that was illegally reported on my credit report from the creditor.

Despite my previous requests, I have not received the following documentation : Proof of Debt Ownership : A copy of the original signed contract or agreement establishing the debt between your company and myself.

Documentation evidencing the transfer or assignment of the debt to your organization, if applicable.

Itemized Account Statement : A detailed statement outlining the original principal amount, all interest charges, fees, payments made, and the current outstanding balance.

Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I request evidence of a minimum of 10 such contact attempts made by your company regarding this debt.

Compliance with Notification Requirements : Evidence that your company provided the requisite disclosures in accordance with the Truth in Lending Act ( TILA ), as outlined in 15 U.S.C. 1601 et seq.

Proof that your company issued the necessary notices prior to reporting any negative information to credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ) ( 7 ).

According to the FCRA, creditors are required to notify consumers either prior to or within 30 days after furnishing negative information to credit bureaus. I have not received any such notifications. Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I have not been given this opportunity, nor have I received any contact attempts regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureaus inquiring about hard inquiries listed that i don't recognize, there hasn't been positive resolution after multiple attempts. 
also tried to remove inaccurate personal information with XXXX success
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year, I have been proactively identifying and disputing accounts and personal information that was fraudulently opened under my name and social security number without my knowledge and consent. There is one particular creditor, Discover,  that currently reports to of the credit bureaus ( XXXX and XXXX ) and will not cooperate to help me remove this unauthorized and fraudulent account off my credit report. I have consistently dispute with proper documentation as supporting evidence of this account being fraudulent and cause due to a case of identity theft. However neither credit bureau has properly investigated and removed the account, which is required in a situation like this, specifically because theres undeniable evidence which I have sent multiple times to both XXXX and XXXX as proof. Discover continues to update the account as valid, which is wrongful action to take. There is nothing on the account to validate, it simply does not belong to me under my name and social security number. Ive never opened an account with Discover under my name. It has severely hindered my financial abilities and outlook, specifically pertaining to my credit. To make matters worse, XXXX deleted the account only to reinsert the account a month later and this occurred in XXXX. It was done with no explanation and they did not provide any documentation as to why the account was reinserted and no notice was sent to my residence. XXXX also has been unwilling to cooperate and simply remove an account that is not mine. I am praying that this platform allows for a consumer like me to not be taken advantage and be punished financially for something that does not belong to me in the first place. I have placed fraud alerts on both credit bureaus, I have sent in proper and detailed documentation to support identity theft and this account being fraudulent and no proper action has been taken. I am hoping I can get this resolved as soon as possible, as it is critically affecting my credit and ability to have options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because Equifax has not completed an investigation or have failed to communicate back any status of an investigation with me since my dispute submission. On XX/XX/XXXX I sent a letter disputing inaccurate items found my credit report as well as a notarized id letter my driver license and bank statement. I never havent heard anything at all from XXXX. I understand with covid things may be a little backed up, but we are now over XXXX days since my request, and I havent heard a thing. I even sent a Follow up letter on XX/XX/17. I am now involving the CFPB because it now seems you are neglecting a dispute and is against the FCRA. You had legally required time of XXXX days. Please deleted these inaccurate items from my report. Attached is a copy of everything I have sent as well.
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. 

XXXX5 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my instructions
Product: Mortgage

XXXX XXXX XXXX Preliminary loss mitigation filed ( XXXX XXXX XXXX ) while open loss mitigation review was on the table ; regular mail sent to a relative home instead of property address on XXXX XXXX XXXX ( postmarked XXXX XXXX XXXX ) ; and Final loss mitigation filed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX working with a housing XXXX and receiving a secure message after the line was filed with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX date prior to being notified that the case was closed for review w no mention of knowing about a housing counselor.
Product: Mortgage

I submitted a request to the original mortgage servicer, XXXX XXXX, for loss mitigation. During the process, my loan was sold to a third party without notification from XXXX XXXX, but the third party. The third party, XXXX XXXX XXXX XXXX XXXX, notified me on XX/XX/2019. When I contacted XXXX XXXX, they did not confirm or deny. Weeks later, I finally received a letter from XXXX XXXX indicating that my loan was being sold to Fay Servicing. Fay servicing mailed out statements, etc ... When I called them to determine the status of the loss mitigation, I was told that all of the paperwork would be on file from XXXX XXXX and that my account manager would follow up. Each time I call I can not get an answer. My most recent phone call interaction was information telling me that the loan has been sold to yet another servicer as of XX/XX/2019 and I should have received correspondence. I have not. I am fearful that these companies are playing the shell game with my mortgage in an effort to avoid processing my loss mitigation request and move to foreclosure of the subject property. How can my loan be sold in less than 30 days?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX  and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.