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

RE : XXXX & TransUnion Reporting To Whom it May Concern : I have filed 4 credit disputes with the above referenced agencies regarding erroneous information. All I have received is a statement stating they have checked and confirmed the existence of and correctness of stated report. 
They have failed to prove the listing reporting debt holder is the owner of debt. 
They have failed to show me the debt is mine and that the debt exists. 
Lastly, they do not accurately include my statements of the disputed information. 
These actions have caused me significant harm and cost during the past 18 months. My attorney is preparing legal action against all parties, but recommended that I contact the appropriate government authorities prior to my legal actions against the parties. 
I would greatly appreciate substantial assistance in this important matter. I know I am not the only person who has suffered at the hands of improper and / or illegal reporting of alleged debts. 
I have over {$30000.00} in outstanding debt and more than {$150000.00} in prior debt properly paid, however, their system is incorrectly stating I have a {$19.00} balance owning to XXXX and another {$1000.00} to some XXXX/XXXX company. XXXX is also showing a debt to some debt collector agency neither XXXX nor this XXXX are able to establish that I am the debtor, nor that either are the owners of this alleged debt. This is unacceptable. 
Please Help. Thanks Very Much. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The Finance Manager XXXX wanted my husband XXXX to do work on his home. He did not then the Finance manager ordered a repo of our vehicle. Sold it at auction and stole our belongings inside of the truck.
Product: Debt collection

This company called me one day 1 minute apart I have the phone record on my phone I am at work and I know this is not legal - phone number is XXXX - XXXX calling from Phoenix Financial Services - I want this stopped its harrassment to call me that frequently especially when I am at work. They need to drop the  collections and remove the debt.
Product: Checking or savings account

Received a letter from Ally Bank today XX/XX/XXXX.That someone using my identity tried to open a account but was declined.
Product: Credit reporting or other personal consumer reports

XXXX placed an account for collection with Omega RMS collection agency. I have never done any business with XXXX, have never been a customer, have never signed up for a trial or subscription. I do not know how they got my information or why they believe I owe them {$4000.00}. 

Not only is this showing up on my credit report, they also call daily to XXXX  me. I have disputed the charge with XXXX- and the information was " verified as accurate '' despite me never signing up for their program.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017, I reported that my Coinbase account was compromised because a XXXX dollar buy order for Bitcoin was made, but it was not made by me. Because I reported this, Coinbase " temporarily '' locked my account that day so that no outgoing transactions could be made, which means that buy order still processed and XXXX dollars was taken from my bank account, and then added to my Coinbase account in the amount of roughly XXXX Bitcoin. 

I have since figured out what happened to my account ( on my own ) and have requested that Coinbase unlock it so that I can log back into it and properly manage it like I always have. Or, at the very least, I have asked them to send me the Bitcoin that is rightfully mine ( since it is in my account ) so that I can get my XXXX dollars back, or at least the bitcoin equivalent of it. 

I made this request by replying only a few hours later to the email ticket I had opened on the XX/XX/XXXX,  asking them to give me access back to my account. I never heard anything form them for over a week, thats when I made my first call to their support line that you have to wait on the phone for 30-60 minutes to speak to anyone. Doing this did not help at all as I could get no actual details about my case from them, and was basically told to keep waiting. I have been waiting for 5 weeks now and have made many more calls to their support line expressing my frustration and trying to get information, and yet I can not get any details of what is going on. The people on the support line have told me that these cases normally take under 10 days to resolve, but my case has not even gotten a response with any detail about actions they are taking to resolve it, not a single word. I am demanding Coinbase unlock my account so I can access it, as it has important money locked in it that belongs to me. During my last phone call with them a few days ago support at least made a note on my ticket as seen in my attachments, basically just saying for me to continue to wait and to stop replying to the email ticket ... .but once again, no actual detail or estimated time given on when I will have my account back.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX VT : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX  : # XXXX has violated my rights. 


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

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. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX Card : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Card : XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I disputed the accuracy of my XXXX XXXX account with Experian. They were incorrectly reporting the balance, payment history, status of the account and comments. Today they updated the information and it is even more incorrect than it was when I first disputed the account. They have also added a statement to the account which is reporting as my statement! I DID NOT authorize or request a statement be added to that account. The statement reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. Now they are not only reporting INCORRECT information but also they have added a statement which they are leading people to believe I made or requested and no such request for a statement to be added to that account was made!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was checked by XXXX and I am not sure why because they are a credit company! It made my credit score XXXX down and I have no clue as to why it would be checked by then. As far as I know it is an error along with the others included in the picture. Sally Mae was contacted by someone that was fraudulent in collecting my info to take out a school loan. I have since put these companies on notice, reported to every I could, called the police and now this feels like a last resort, why is this error happening!!?! 

XXXX XXXX XX/XX/2019 XXXX inquiry never approved or permitted by me! 


XXXX XXXX bank /XX/XX/2019 hard inquiry is FRAUD!! Not submitted by me. I have called local officials and put my credit on alert!
Product: Consumer Loan

I applied for a loan with Rise Credit on XXXX/XXXX/16 and was denied for the following reason : Fraudulentactivityassociatedwithapplication. 

I called and spoke to a supervisor who was not helpful and was agreeing with the denial reason, there was no false or fraudulent information provided. This either gets resolved or i involve a lawyer with a class action lawsuit for discrimination, falsification, and defamation of character.
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. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX BANK XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$55000.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX  XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$6100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I've been attempting to submit PSLF ( Public Student Loan Forgiveness ) applications but they keep being denied. Also, my payment number has not been updated and remains at XXXX even though I have over 10 years of full-time eligible employment. I've done everything that I've been told in order to get my loans forgiven before the XX/XX/XXXX deadline but nothing is happening. No one seems to be following through on my inquiries, my cases keep being closed and my applications denied for various reasons ( that make no sense to me ), and when I do happen to contact someone who does seems to try to look into my situation a little bit, all I'm told is my case is " unique '' BUT I should be getting my loans forgiven. However, then nothing happens later, other than receiving application denials and scripted form letters.
Product: Checking or savings account

On XX/XX/2022 I received a text from US Bank Security notifiying me of 4 transactions and asked if I recognized them. I said no. They then said that the bank would call me shortly. During my phone call they asked me if I had been in another state the night before. I said no. They then said that inorder to protect me I had to send my remaining balance to XXXX and then it will be automaticaly refunded within 24 hours. I sent {$1200.00} to Dispute One on XXXX. I realized the following day after calling the US Bank Security team that it was a scam. I immediately headed to the bank and filed a fraud complaint. The bank manager assured me that my money was insured and would be returned. On XX/XX/XXXX I received a letter from the bank that said they will not refund my money. It turns out that the hackers had gotten a hold of an old debit card that had never been removed from my account from the prvious year. I feel like the bank was responsible for not removing that card from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting Information after notice & confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The credit bureaus have no respect for the laws & someone need to hold them accountable for this.
Product: Debt collection

I have recieved absolutely 0 notifications or alerts from this company and/or what debt they are attempting to collect. Earlier this same year I paid a debt collector for a XXXX  bill from years ago that was unpaid. It's the only possible thing that it could be related to, but this is a different collector, and I have gotten 0 communication. 

The company on my credit report now is mpbcredit I don't know who these people are or what they have placed such a large derogatory mark on my account for.
Product: Credit reporting or other personal consumer reports

recent checking my credit report I have noticed that Ive been a victim of identity theft and found numerous Credit inquires I have no knowledge of here are the inquiries that I found XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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-XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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: Payday loan, title loan, or personal loan

In XXXX of XXXX, I was solicited for a loan from and entered into a financial contract with Republic Finance for a {$1500.00} loan. In XX/XX/XXXX, I ran into a financial hardship and verbally spoke with my accounts representative and we agreed to payment for the next 6 months of {$50.00}. I commenced to making the verbally agreed amount and received a notice that a court filing had been filed seek a judgement for the full balance of the loan. I went before a XXXX XXXX Judge where I agreed to a consent judgement in XXXX of XXXX to pay the balance owed to Republic Finance. In approximately XX/XX/XXXX, I received a written document from Republic Finance offering to settle the account for approximately {$700.00}. I agreed to the settlement and in XX/XX/XXXX I paid them the agreed full settlement amount. 

In XX/XX/XXXX, I received a document from the judge of XXXX XXXX Court stating that I had satisfied the loan. At that point I had not further contact with Republic Finance and I did not realize that they did not report the updated information to the Credit Bureau. 

In XX/XX/XXXX, I applied for a Mortgage and was denied. I found out that I was a victim of Identity Theft and had the corrections completed. In XX/XX/XXXX, I attempted to apply for a mortgage again and was again denied as I was considered a risk. At that point the lender explained that there was an issue on my record identified as a debt to Republic Finance that stated that not only is the account seriously delinquent, it was months in collections and still showing a balance due of approximately {$1400.00}. 

I then proceeded to dispute the account with the Credit Bureau twice and the company did not make any changes on the first attempt and made a correction that the account was settled in full with 14 months of delinquency and in collections until XX/XX/XXXX. It also caused my credit score to drop tremendously. 

I then thought to call Republic Finance and see if I could rectify the matter. I have been in contact with them daily for over a month, and the matter has still not been resolved or corrected. 

Therefore, I am writing to you for some sort of relief. I did indeed receive the funds from this company. I did indeed made every effort to fulfill my obligation with Republic Finance and the Court of the City of XXXX. I believe that Republic Finance violated the Fair Debt Collection Practices and has harmed me financially. I am now aware that they could be the reason that I have been paying higher interest rates on purchases and am being denied a mortgage.
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 XXXXXXXX XXXX # has violated my rights.

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents such as court records, agreement between me and the apartment complex so I XXXX review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 Criminal and Other Public Record Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Criminal XXXX XXXX XXXX XXXX XXXX XXXX Most XXXX XXXX XXXX Potential OFAC Match Detailed Criminal Records XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX Date of XXXX : XXXX Aliases XXXX XXXX XXXX XXXX ID Numbers No ID numbers found 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 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was defrauded by a scammer and my card was used to perpetrate the fraud. The transaction was charged on XX/XX/24 and the amount was {$420.00}. I was scammed out of the money by the fraudulent purchase of gift cards by a phone fraudster that directed me to purchase gift cards for a scam purchase of discount internet services. I reported the fraud to the Capital One 360 the day it happened, and did all the things they suggested to correct the situation. They offered on the XXXX to cancel the card and reverse the charges with their fraud guarantee. After sending the new card and reversing the charges, they then changed their mind. I received the XXXX attached letters. Dated the same day, XX/XX/XXXX,, I got XXXX letters, The first one telling me that the issue was resolved in my favor, then a second letter telling me that I personally benefitted and they were denying the fraud protection. i expect them to honor their " {$0.00} Liability guarantee promise '' stated in XXXX of the letters. The reason I use their credit card is to have fraud protection. They are not fulfilling their promise to provide such protection.
Product: Debt collection

They are attempting a scam. They call me every day 4 times a say about a JCPenny Credit card feom Syncrony Bank. I have never been a customer at a JC Penny. I have told them they have the wrong phone number but do not ask for anyone by name. They have called 4 times a day since XX/XX/XXXX. I want harrassment charges filed.