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

This is XXXX XXXX once again and I am submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. I recently received an updated copy of my credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of and yet being reported on my Credit File. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX  Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00XXXX XXXX XXXX XXXX  Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. If the Credit Bureaus believe that the disputed accounts and information belong to me, I require the Credit Bureaus to send me any copy of proof of verification they may find during their investigation to prove that the disputed accounts belong to me. I strongly believe that the disputed accounts were results of the theft of my identity and must not be included on my Credit File.
Product: Credit reporting or other personal consumer reports

I contacted trans union to do an investigation of incorrect information on my credit report names and accounts and dates. I have been there are several accounts from XXXXXXXX XXXX XXXX that have dates that are wrong. They have names from 30 years ago with no accounts in That name. XXXX has corrected all errors but transunion and experian refuse to even validate the dates are wrong from previous credit reports showing dates are clearly wrong and should be deleted. Thanks for you help.
Product: Debt collection

I received a notification on my credit report that a debt collector reported me for non payment of a medical account. Upon further investigation I discovered that an former partner of mine falsely signed my name and used my information as his primary guarantor during a hospital visit for himself. I had no prior knowledge of this expense, I did not agree to pay this debt, nor had I had any knowledge of this hospital stay.
Product: Debt collection

LVNV Funding LLC added two derogatory mark against my credit report. This is a collections agency that I have no agreement with. After getting an alert that this collections agency had placed derogatory marks on my credit report, I wrote them a letter to dispute said debt. I have yet to receive the letter from them stating, confirming and validating said debt. The letter was written to LVNV Funding LLC in XXXX of this year. We are now in the month of XXXX heading for XXXX. And yet I wait. 

I never received any correspondence from them. I only knew that they placed a derogatory mark on my credit report when I got the alert from XXXX XXXX. 

They did it for two separate accounts.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I checked my credit report as I normally do, but this time there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies remained. Because of this, I'm asking that the documents I've sent be thoroughly reviewed so I can stop worrying about this happening again.
Product: Money transfer, virtual currency, or money service

Visited PLS to cash a check. The customer service representative made several phone calls to managers while I was in the store. They cashed the check and then a few days later collections called and said it was returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep frustration and disappointment with the lack of action taken by XXXX XXXXXXXX XXXX XXXXXXXX regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns. 

I discovered an unauthorized credit card account under my name with XXXX XXXXXXXX XXXX  XXXX XXXX I can confirm with utmost certainty that I did not initiate the application process nor provide consent for the card to be opened. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being. 

As soon as I became aware of this fraudulent activity, I immediately contacted XXXX XXXX XXXX XXXXXXXX XXXX customer service hotline to report the issue and seek assistance in resolving the matter. To my dismay, I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation. 

Despite providing detailed information about the fraudulent account, including evidence that it was opened without my knowledge or consent, XXXX XXXX XXXX XXXXXXXX has continuously disregarded my pleas for assistance. I have provided documentation, such as copies of my identification, which clearly show that the information used to open the account does not match my own. However, these efforts were met with indifference, and your institution has seemingly ignored the severity and urgency of this matter. 

I am appalled by the lack of urgency and concern displayed by XXXXXXXX XXXX XXXX  XXXX in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm. 

I demand that XXXX XXXXXXXX XXXX XXXXXXXX promptly initiates a thorough investigation into this matter and takes immediate action to close the fraudulent credit card account. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation. 

I trust that XXXX XXXX XXXX XXXXXXXX will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.
Product: Money transfer, virtual currency, or money service

I regarding BinanceXXXX  crypto exchange ticket number XXXX. 

I have send $ XXXX worth of XXXX  virtual currency from XXXX to Binance. It's been a week it did not deposit. I have multiple tickets but their customer support team is not responding. Heared it's happening for multiple clients.
Product: Debt collection

On XX/XX/XXXX, Ernst, Artmann and Associates reported a collection account for XXXX XXXX in the amount of {$430.00} on my credit bureau file. On XX/XX/XXXX, I sent a letter to Ernst, Artmann and Associates disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to Ernst, Artmann and Associates disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Ernst, Artmann and Associates has never contacted me or sent any information regarding the validation of this debt. In XX/XX/XXXX, I became a resident of Florida. Ernst, Artmann and Associates is not a licensed collection agency in the state of Florida ( see attached ). Additionally, they have violated multiple FDCPA laws. Ernst, Artmann and Associates has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
The specific hard inquiries in question are : XXXX XXXX XXXXnquired on XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were performed without my explicit authorization, which is required under federal law for hard inquiries to appear on a consumer credit report.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 : The entities accessing my credit report failed to protect my financial information and ensure that proper authorization was obtained, violating my privacy rights. 

XXXX Obligations Under FCRA 611 : I requested Experian investigate and remove these unauthorized inquiries from my report. To date, they have not provided adequate resolution or evidence to validate these inquiries.
Product: Credit card

I looked at my report on XX/XX/2024 and noticed somethings that are incomplete and not accurate. I Then mailed out letters asking for information to be verified and removed if not reported accurately. I received letters from capital one stating the information was accurate and that they will furnish such letters to me, but I have not received such letters. My information for this account continues to be inaccurate to current day! On XX/XX/2024 I spoke to account managers, charge off managers, and asked why my information was not correctly displayed on my consumer report as to the account : ( capital one acct XXXX ) high credit amount incorrect, account Detail incorrect, Date opened incorrectly, last reported incorrectly, comments in regard to status, date last active, date of last payment I explained to all of the representatives that this is an extreme violation of the fair credit reporting act, and I need this account removed from my consumer report as it's causing me a great hardship and by law such information must be removed not updated! I was directed to numerous departments and told to file a complaint if I feel I was violated under 15 USC 6802 SECTION 1 ( B ) I was supposed to have an option to opt out of having my nonpublic information disclosed to a nonaffiliated third party ( XXXX, XXXX, XXXX ) and any other XXXXrd party affiliate.

in addition, 15 USC 6802 section 1 ( c ) giving an explanation to the consumer on how to exercise non-disclosure options I was not provided any of these options! and capital one has not furnished copies of my signature stating I was made aware of these options! 

Can you please look into this matter
Product: Debt collection

I am XXXX years old I have lived in XXXX XXXX XXXX Florida since 1974 when my husband and i was XXXX here at XXXX XXXX. i have never lived in Georgia. And that is where this bill originated from. I have always paid my bills on time and paid them off and this is in my 3 credit Bureaus, there are only 2 discrepancies on my report coming from  Georgia. 
This is Fraud, I filed a police report 6-7 years ago with the XXXX County police department, I do not have that now, the man was arrested and charged. I applied for help with my citizenship he took my money and information along with others. I sent this company a notarized Affidavit stating this and they still want to harass me for something that is not mine. I asked for proof, such as a signed contract, ID showing that I did this, nothing but statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have asked repeatedly for Portfolio Recovery to send varification of the debt and they have repeatly sent only a statement from the supposed credit card company I owe the debt too. No Varification has been provided. No signature saying the debt is mine nothing. 3 varification letters with the same response and nothing to show the debt is valid. This started in XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection company is collecting against me while the debt is not mine. The debt belongs to my adult son. I have explained this to the XXXX XXXX XXXX XXXX XXXX- original debtor and California Account Services XXXX who is currently posted it against my credit report as an active collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past year I have submitted 3 disputes to XXXX XXXX. They only responded to my third dispute. They are showing that I made late payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The reason that these payments were late is due to the phone payment system not recording my card information correctly. A supervisor concluded this to me via phone calls in XXXX of XXXX and again in XXXX of XXXX. They advised if i submitted a dispute in writing and listed that as the reason then they would remove the late payments from my credit reports. Each time i submitted a dispute i waited the 45 days and no one ever got back to me. Over a year later i submitted a third dispute and XXXX XXXX denied it even when i showed evidence that i sent two prior disputes and they did not respond within 45 days which is required by law. They are breaking the law by not responding to my disputes within proper timing and also incorrectly reporting me past due when i called in each month to make the payment. when i checked online i was always showing in good standing.
Product: Debt collection

I was served with a summons on or about XX/XX/2022 from XXXX XXXX XXXX on behalf of Cavalry SPV I , LLC whom I have no contract with, have done no business with, have no knowledge who they are, and owe no money to. Cavalry claims they have purchased my personal information without my permission from a charged-off account from XXXX XXXX My personal information was allegedly sold to Cavalry SPV I , LLC giving them ownership of the debt. Cavalry SPV I , LLC has not provided the purchase agreement or the terms and conditions of this alleged sale. I do not know how Cavalry verified the debt or obtained statements from XXXX other than the " Affidavit of Sale of Account '' provided that lists no name of debtor, account number, or amount owed of the account that was allegedly purchased, just a batch number. I owe Cavalry SPV I , LLC nothing and have never entered into a contract with them as I do not know who they are and have never heard of them. They have no signed contract showing that I owe them anything. I want them to cease and desist any contact with me. Selling my personal information has violated my consumer rights! 

The alleged amount owed that I being sued for is {$3800.00}. I will pay a creditor I do not legally owe.
Product: Money transfer, virtual currency, or money service

I have $ XXXX on Coinbase. I want to withdraw the funds due to last week a scammer stealing $ XXXX worth of crypto assets from my account ( something Coinbase didnt support me on either ). 

My account has been locked since Sunday XXXX. I have provided all requested information ( photo, drivers license, XXXX authentication, new password ) despite that the account is still locked. I call customer service and am given vague answers, I email and dont get replies. I want my money off this exchange as I fear more scams and theft. If and when XXXX able to recover the funds in my account I intend to hire a lawyer to go after the stolen $ XXXX
Product: Debt collection

XXXX XXXX is trying to collect a debt for XXXX and I have no business with neither one of them nor have I ever. 

Ive requested proof of this debt and rep told me she do n't have to provide it ; Ive never used XXXX before in my life!
Product: Checking or savings account

On XX/XX/2023 to XX/XX/2023 there was XXXX unauthorized transactions that occurred work my account and up to now the bank has not funded back my money ....
Product: Student loan

On XX/XX/XXXX my autopay payment was deducted from my bank account. It was not applied to my student loan. I reported this issue on XX/XX/year> to Mohela customer service. It has still not been fixed on my account for now over 60 days. 

The trace ID for this ACH transaction is XXXX. 

This appears to me to be a reg e billing error and inappropriate application of an approved ACH transaction to my account. Mohela does not handle these inquiries as disputes and clearly does not follow appropriate investigation timelines as required by the CFPB.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report and noticed i had fraudulent accounts on my report. This account was already removed 6 months ago by experian as fraudlent but they still activating on my credit report after 6 months. This is an illegal action by this agency. Please remove the account " XXXX '' from my report, they are hurting my ability to credit.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and I requested an immediate and comprehensive investigation into several instances of reporting incorrect information on behalf of XXXX XXXX on my credit report. These many errors in reporting of this information has destroyed my ability to obtain housing and small business loans. I have requested verification and info on these two accounts several times Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXX This account contains erroneous details regarding the balance, payment status, and payment dates, which could lead to misrepresentation of my creditworthiness. I request that if you can not conclusively verify each reported detail with certified documentation, you remove the account promptly. 

Also, as allowed under FCRA 1681g, I request a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. I asked them to provide a copy of my signature that was used to agree to open this account. 

None of these items were provided, however, they have continued reporting these accounts and causing me more harm.