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

I am filing this complaint against Experian regarding the inaccurate and unverifiable reporting of XXXX dismissed XXXX XXXX bankruptcy entries on my credit report. On XX/XX/XXXXXXXX, I sent a formal dispute letter to Experian via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), requesting specific verification details for these reported bankruptcies. However, Experian has failed to provide adequate information on how these items were verified, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my XXXX consumer report ( Consumer Number : XXXX, Case Number : XXXX ) dated XX/XX/XXXX, I found that the information reported by Experian regarding the dismissed XXXX  XXXX bankruptcies is inconsistent with my XXXX report. The XXXX report includes the following : Bankruptcy Reference Numbers : XXXX and XXXX Filing Dates Listed by Experian : XX/XX/XXXX and XX/XX/XXXX Court Name Listed by Experian : XXXX XXXX CT XXXX This information does not appear on my XXXX report, which raises serious concerns about the accuracy and verification process used by Experian. 

In my XX/XX/XXXX letter to Experian, I requested the following information to understand how these bankruptcy entries were verified : Certifying Entity : The name of the company or entity that certified the accuracy of these bankruptcy entries. 
Verification Documentation : Copies of the documents or evidence used during the verification process. 
Certifying Entity Contact Information : The address and phone number of the certifying entity. 
This information is essential for me to understand the basis on which Experian claims these bankruptcy entries are accurate, given the discrepancies with XXXX records.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX   and XXXX . XXXX and XXXX have both completed their research and determined that XXXX   was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Money transfer, virtual currency, or money service

dear cfpb I 'm using a Coinbase e-wallet. But the last time i wanted to login, my account ask for a 2 step verification via a XXXX app, but i have never activate a verification from this app. I do n't have this app. Since a few days i tried to fix my login and contacted many times the coinbase support, but without any answers. Now i ca n't use my wallet and my deposit is unattainable for me. That 's really bad, because i have more than thousand euro on my account. Can you help me to get support from Coinbase? I 'm hopefully waiting for your answer. Best regards, XXXX.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX of IL stating that they are trying to collect a debt that belongs to the current creditor Crown Asset Management LLC. 

XXXX. There is no debt validation & verification showing that I am responsible for said debt. 

XXXX. Both XXXX XXXX XXXX XXXX XXXX of IL and Crown Asset Management LLC are not licensed in the state of Florida to collect a debt.
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute multiple violations by Experian that have infringed upon my rights as outlined in federal laws Under the provisions of 15 usc 1681a ( d ) ( 2 ) ( iii ), Experian has disclosed my information without my consent. This action directly contravenes my rights to privacy as protected by the Privacy Act of 1974, specifically 16 cfr part 313, pertaining to the privacy of consumer data and opt-out notices deny me the opportunity to manage my data and protect my privacy as mandated by federal regulations. 

Moreover, I am contesting the presence of charge offs on my credit report, which charge offs are certificate of indebtedness which is income and must be removed. The inclusion of such items inaccurately reflects on my financial standing and has a detrimental impact on my creditworthiness. 

I am seeking appropriate compensation for the numerous violations committed by Experian, which have caused significant damages and infringed upon my legal rights. Pursuant 15 usc 1681n and 1681o, I request due consideration for the damages incurred due to Experian actions. 

I kindly ask for your assistance and intervention in rectifying these infringements and ensuring that Experian complies with the established federal regulations. Your prompt attention to this matter would be greatly appreciated Thank you for your time and attention to this important issue
Product: Debt collection

I have received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2021, stating that I owe a debt to US BANK for {$430.00}, which is a settlement amount. It doesnt even list the balance in full. They have also reached out to me via phone threatening me like they are going to sue me and garnish my wages over a debt I DO NOT OWE! The gentleman who called me was EXTREMELY rude and telling me, I better pay or else!. For here on out I am recording EVERY conversation and looking into attaining an attorney. I am also going to the police about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

CITI BANK tried to collect money ( XXXX XXXX and twice on XXXX XXXX ) owed them, saying it was past due, when I had never received a bill. I refused and ujpon receipt of the bill, discovered it was not due until XXXX XXXX.
Product: Mortgage

On XXXX XXXX, XXXX XXXX XXXX XXXX who was servicing our mortgage loan XXXX sent us a letter indicating that we had to purchase flood insurance. In response to this letter we visited the XXXX of XXXX office to verify is our property located at XXXX XXXX XXXX XXXX had been classified or considered to be in a flood zone. They said no. We proceeded to contact XXXX who informed us that if we did not purchase flood insurance we would be in violation in terms of our mortgage loan. We then proceeded to purchase flood insurance. During this period of time we were under Chapter XXXX Bankruptcy Protection Case XXXX yet XXXX failed to notify Bankruptcy Court of a new added requirement that was neither part of the Chapter XXXX Confirmed Plan or part of our initial mortgage loan obligation. In XXXX XXXX we received a letter from US District of Oregon notifying us of a class action suite Case No. XXXX : XXXX identifying us of victims of flood insurance fraud. It was claimed that XXXX ( XXXX ) violated the legal rights of its consumer requiring them to purchase excessive amount of flood insurance coverage and by arranging for improper kickbacks for itself and/or its affiliates ( including in the form of commissions in connection with forced-placed flood insurance. Our mortgage loan was transferred from XXXX to SPS Portfolio Servicing on XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received a similar letter from SPS Portfolio claiming that we had to purchase yet again another fraudulent flood insurance coverage. Our SPS loan number is XXXX. We remain protected under US Bankruptcy Chapter XXXX yet SPS has also failed to obtain approval and notify bankruptcy court of a forced insurance coverage that was neither part of our original mortgage loan or part of the confirmed Chapter XXXX Plan. 

Thank youXXXX XXXX XXXX
Product: Debt collection

This debt collector company which is both legally bonded to collect from me in my state has been harassing and threatening to extort money from me trying to ruin my life with reporting illegal information to the credit bureaus. XXXX XXXX appeared on credit report using two different names stating I owe them {$480.00} once this collection company appeared on my credit profile it damaged my credit score by almost XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

We are responding to the concerns about the XXXX XXXX XXXXXXXX XXXX  ( XXXX ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding funds you received from XXXX member, XXXX XXXX, before she passed away and that you deposited to your Wells Fargo account. Our records show that checks in the amounts of {$50000.00} and {$20000.00} were made payable to you from a XXXX XXXX account belonging to XXXX XXXX. As you are not an accountholder, we can not release any information to you about the account. However, we can inform you that XXXX XXXX did pay the checks, and the funds are with Wells Fargo. XXXX XXXX did not reverse the two checks from your Wells Fargo account. There is no further information XXXX XXXX can provide you, and we suggest that you speak with Wells Fargo. Thank you for the opportunity to review this matter and respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX There is information on my consumer report that is a result of identity theft. I did not provide written permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

BANKRUPTCY filed XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXX XXXX XXXX$600.00} XX/XX/XXXX XXXX - XXXX XXXX  {$300.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  {$300.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX DEPT OF EDXXXX {$380.00} XX/XX/XXXX DEPT OF EDXXXX  {$1700.00} XX/XX/XXXX DEPT OF EDXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX {$140.00} XX/XX/XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several disputes regarding this account, XXXX XXXX XXXX, XXXX, and they did not recognize or fix any of my disputes I've sent off. Congress gives laws to ensure fairness and accuracy of reports being made. Under 15 usc 1681, any person can not furnish information knowingly inaccurate to a report. Also, I must give written consent to do so. I never recieved any validating documentation of this account when requested and been well over 30 days of waiting, which is pursuant to 12 CFR 1006.34. They never sent how the constructed an investigation as I asked. My report must be contain 100 accuracy at all times, which they are clearly in violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter from LexisNexis, dated XX/XX/2020, the consumer reporting agency stated that after a reinvestigation of an alleged Bankruptcy, LexisNexis was unable to verify the accuracy of case number XXXX, and removed the record from my LexisNexis Risk View report. 

I recently requested a copy of my LexisNexis National Credit File and this same inaccurate and unverifiable account is reporting there. If LexisNexis was unable to verify this account then it must be removed for their records entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the following account on my credit report due to a lack of completeness and/or accuracy : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


My credit report shows a collection that you sold to XXXX XXXX XXXX. I was never notified of this collection, and I do not believe this debt is accurate. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request and receive full validation of this debt. Therefore, I am requesting that you provide me with copies of the following : An explanation of what this alleged account balance is for. 
A complete audit trail and calculation of this balance, including a full payment history on this account to prove that the amount is correct.

Documentation that shows I agreed to pay this debt, including any agreement or contract with my signature.

Documentation that proves you had my authorization to report this debt to my credit report and to retain or share my personal information.

I did not provide consent for you to have my personal information or to report this alleged debt. Unauthorized use of my Social Security number and personal data without my explicit permission is identity theft. If this matter is not resolved immediately, I will escalate this issue and file a complaint with the appropriate regulatory authorities.

If you are unable to locate the necessary documents or conduct a reasonable investigation, the FCRA requires you to delete this account from my credit report immediately. I expect your response within the timeframe required by law. Failure to comply will result in further action.
Product: Credit reporting or other personal consumer reports

I have reported to XXXX and transunion that these are NOT my account and they were fraud and I was requesting information of proof of ownership. They kept verifying my info without providing proof XXXX later. 

Highest Balance {$8500.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info Balance {$580.00} Highest Balance {$410.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name AT T Closed No Info
Product: Mortgage

SunWest, a.k.a. XXXX, has made repetitive, unnecessary demands that I confirm my request for paper documents over the past twenty-seven days thus unduly delaying the processing of my loan and the loan closing. Beginning on XX/XX/2020, I made written requests for paper copies of loan documents. The loan officer confirmed on XX/XX/2020 that he would mail paper documents to me and confirmed the address to which they would be mailed. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020, I repeated my clear written requests to the loan officer 's supervisor. On XX/XX/XXXX, the loan officer 's supervisor emailed me requesting another confirmation that I wanted to be provided with paper documents, stating that he was " very familiar with all the laws and rules from the CFPB and other authorities that regulate our industry. '' The repeated requirements for confirmation of my request for paper documents is beleaguering and dilatory and is unduly delaying the loan closing. I requested a closing date by email from the loan officer 's supervisor on XX/XX/2020 and he did not reply. Interest rates have recently begun rising, and my loan is locked in only through XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** DP OF EDUC XXXX****, DP OF EDUC XXXX****, DP OF EDUC XXXX**** and ( Original Creditor : XXXX XXXX ) XXXX****
Product: Credit reporting or other personal consumer reports

A fraudulent item that I never benefited from is still showing up on my credit report. Both XXXX and XXXX have already deleted this false information, yet you continue to report it. Its deeply insulting and feels like a defamation of my character. The stress of knowing my rights as a consumer are being violated is overwhelming. Ive reported this to the Federal Trade Commission, but nothing has been removed.
Product: Debt collection

I recently received an alert from XXXX that Diversified Consultants, located at XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX ( XXXX ) XXXX, placed a collections on my credit report. The collections is from XXXX for XXXX dollars. I have spoken with XXXX representatives with XXXX and am told I have a zero ( XXXX ) balance. I have tried multiple times to contact Diversified Consultants to no avail. My XXXX XXXX had dropped due to this erroneous information and am seeking legal action against Diversified Consultants and XXXX for allowing this to be put on my credit with no just bases or regard for my personal welfare and credit worthiness. 

XXXX XXXX, GA
Product: Vehicle loan or lease

This loan wasnt mine it was my brothers, car loan witch is payed of allready and he main some late payments on it witch he didnt mean too he was struggling and now its affecting me on my credit and its not even mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied tons of loans in my name and open up few fraudulent accounts in my name and I keep getting rejected for a recent loan in my name and I cant get a copy of my credit report and they dont have a human phone number to call and I would need some help with that if possible I tried everything to get help and I would like to dispute in the inquiries and phone numbers on my credit reports I was told there were a recent number change on my credit report I never changed my number I also have another issues the creditor cant verify my identity if I were to open up a account such as banks credit cards or produce any security questions
Product: Debt collection

For the last few months, CheckN Go has been calling at least 3 times/day and sometimes more. They never leave a message. The call is identified as XXXX XXXX It concerns a payday loan at an exorbitant interest rate.
Product: Debt collection

they are saying I owe a debt from XXXX for {$100.00} I do not owe this debt it is identify theft, not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that on XX/XX/2022 " WELLS FARGO DEALER XXXX '' ran my credit report. I did not authorize this inquiry. This inquiry has caused my credit score to decrease. I fear that my identity has been stolen.