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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Wells Fargo is still reporting my account as late for 90 days even though it 's paid. Upon paying this debt, they told me they would delete this account from my credit profile. This is for account beginning with XXXX. I did not open this account, and I paid it just to have it removed from my profile rather than deal with the hassle. Now it is more hassle than I expected. They performed a " bait and switch '' to get my money then did n't hold up their end of the bargain. This is illegal, and it 's over a small amount of money. This need to be removed from my credit profile.
Product: Debt collection

This complaint is in regards to my experience with this company in attempt to collect a debt. I resided with a company in XX/XX/XXXX which went under the name of XXXX XXXX owned by a separate company & within months of signing my lease the company was bought out and named XXXX XXXX. Upon leaving my lease one month early, I was expecting to a " breaking lease fee '' & my last month 's rent, which was the month I did not pay ( XX/XX/XXXX ). After leaving the complex there was NO FORM OF CONTACT, simply because none of the contact information on file was correct. I had no knowledge of all the charges the company has built up and placed on my account. XX/XX/XXXX I was applying for new apartments and kept getting denied for this misunderstanding which has now accumulated to my credit. After several attempts to contact the company and set up some arrangement I have took it upon myself to dispute the charges since I had no knowledge of it. I have called and been disrespected numerous time I have be researching where to contact, now I am here hoping to get some help from someone. I wrote a letter explaining how I was never notified of any charges, not even by e-mail and that was the only correct form of contact information. I have never received any notice in writing from this company that they were attempting to collect a debt. I have never received a phone call from this company that they were attempting to collect a debt. I did not give them my current address and - - did not attempt to verify my mailing address, email address or telephone number. I am really fed up with this company and even willing to solve the issue IF my dispute is denied, I am simply out of options and hoping to find a pointing finger here. The company ( XXXX ) was so unorganized and nonchalant that it would be modest to think that their collections company would have any more class and respect. I am hoping at the end of this and with the dispute and this additional complaint that I will soon have this issue resolved and this company name off of my credit. If anyone can provide me with the proper address I should send my letter to, a name of someone I could speak to in regards to solving this matter or any little information that I can use to solve this issue I would greatly appreciate it. Thank you and steer clear of CARTER YOUNG.
Product: Credit card

See the attached documents. I want the bureau to commence an investigation on these accounts, as I am never late, but they are incorrectly reported as such.
Product: Mortgage

XXXX XXXX did not pay my XXXX home insurance premium, and still charged my enscrow account without refund. 

XXXX XXXX charged my Escrow account for insurance {$2300.00} on XX/XX/XXXX. 
Insurance company did not receive the payment, and send out the cancellation notice on XX/XX/XXXX. 
I paid the insurance amount {$2300.00} on XX/XX/XXXX, and reached the XXXX XXXX for the insurance payment, they said they sent the payment and waiting for investigation. 
XXXX XXXX sent the check image to me and insurance company, which show up the check status is cashed and remitted to XXXXXXXX XXXX XXXX. Not my insurance company. 
XX/XX/XXXX, request the refund again with no response and keep said under investigation.
Product: Mortgage

At my mortgage signing in 2004, which my spouse was not a borrower on, he signed the mortgage note in error. The lender ( XXXX XXXX XXXX ) put a hand-written note on the last page stating that he 'd signed in error and was not a borrower. All other paperwork has my name only. I just learned about this while trying to do a loan modification with a different mortgage company. Neither XXXX or XXXX ( acquired when XXXX went under ) ever had my spouse on any documentation for 12 years until the new company bought the loan from XXXX. The new company wo n't do my modification without my spouse listed as a borrower. I 'm appealing their decision, but other than hiring an attorney, I 'm not sure what legal recourse I have? Seems like if the lender put a note on there and sent it straight to the bank, that would be enough, right? I 'm going to my county 's courthouse to pull the signed deed, etc ( I was only given blank paperwork with no signatures at signing ). Please let me know if there is anything else i can do. I really need this modification, but do n't want to perpetuate signing incorrect documents that will have an effect on us in the future when we try to buy/sell, etc. Thanks in advance.
Product: Debt collection

I requested the original contract that I signed with this agency and they were unable to furnish any documentation as I have never signed a contract with said company. They have yet to validate they debt they are attempting to collect and reporting a monthly account status of CO on my credit report despite a collection account not being able to be charged off as there is no contract this company has violated my consumer rights continuously and after sending disputes to the credit bureaus on multiple occasions nothing has been done a proper investigation has not been conducted. Per the FCRA my rights are being violated by this agency. nor can the amount owed be validated as they refuse to send the original contract
Product: Money transfer, virtual currency, or money service

I tried to deposit a cashiers check in my account at citizens bank and they said it would take 5 days to clear. I did this on XX/XX/XXXX. It is XX/XX/XXXX now and I called to see if the check cleared they said it was estemated XX/XX/XXXX  to clear. They are haveing a problem with their system so its saying it was already cashed when it was not. They are doing nothing to fix the problem and will not give me my money. Even though the bank the check was from says it was cashed at citizens bank they are making no progress towards verifying that. I cant get my money which is {$7500.00} and it is really affecting me please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information without my consent and leased a XXXX XXXX  that I never knew about or paid on but I reported it and the vehicle was repossessed but its still showing up on my credit report like I havent paid on the vehicle Ive talked and sent all information I know to the company ally financial but its still reporting and showing as a non payment situation on my report after after I and ally financial proved I never owned this car which was a whole state away
Product: Credit reporting or other personal consumer reports

I disputed incorrect inquiries on my credit report to Experian that I did not authorize and they refused to dispute/and remove them without having permissible purpose. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have an XXXX XXXX credit card, administered by Barclay Bank. On this card, from XXXX - XXXX, 8 charges to XXXX were made, totaling {$1600.00}. I immediately called Barclays fraud number listed on their website, where the person told me to destroy my card and she would report it. She didnt. 3 weeks later, I called again, and had the same experience. 3 weeks later, I called again, and this time the lady actually reported it to the fraud Dept., but apparently only the last charge of {$13.00}. The fraud Dept., based upon all the other XXXX charges, denied there was any fraud. 2 weeks ago, I sent them a registered letter to the address provided on their denial, and included all of my XXXX charges, the list and details on all the charges, and pointed out again, Although I purchase a lot from XXXX, I have a dedicated XXXX XXXX card that is used for all of my purchases. 
I have bought nothing from XXXX on the Barclays card for at least the last three years. 
I have heard nothing back, except now I am getting dunning calls every day.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Dear Equifax This letter highlights an error that was discovered in my most recent credit report, related to the account listed below : Account : XXXX XXXX  : XXXX, Reported account does not match the reported accounts from the other bureaus. Remove the damaging accounts from my credit report. 

I am concerned about this inaccuracy in my credit report. Making a mistake like this could damage the account 's financial reputation. 

To top it off, this error is concerning. One expects that critical data that influences important financial choices will be handled with extreme caution to guarantee accuracy. The existence of this error raises questions about how effective the procedures used are. 

Pointing out that customers have the ability to dispute and have errors in their credit reports removed is crucial in light of the Fair Credit Reporting Act ( FCRA ). Customers have the specific right to contest information in their credit files, and Section 611 of the FCRA requires credit bureaus to look into the contested items. 

In keeping with these goals, this letter requests that the recognized error be fixed and my credit report 's accuracy be restored in accordance with the FCRA 's Section 611 requirements. Feel free to get in touch if you require any more details or clarification. I appreciate you giving this urgent matter your attention. 


Here 's the law US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus Best regards.
Product: Credit reporting or other personal consumer reports

I'am not liable for this debt i do not have a contract with them they did not provide me with the original contract as I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : 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 card

XXXX/XXXX/XXXX - Macy 's issues branded credit card to consumer. 
- Purchases using special discounts that were offered if the card was used on the same day ( that the credit card was issued ). 
- Macy 's issues a statement for the above purchases with a due date of XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - Account paid in full per the last statement issued on XXXX/XXXX/XXXX. 

DECEPTIVE AND ABUSIVE PRACTICES Although consumer paid the account in full based on all information provided by Macy 's / Citibank on their monthly statement, Macy 's / Citibank continued to accrue interest from the date of the last statement. 
Macy 's / Citibank is engaging in unethical practices on two counts : 1. Macy 's entices its customers to apply for its branded credit card by offering instant approval and a discount for purchases made the same day the card is issued. What it does n't disclose is that it issues a billing statement on the same date that the card is issued and the first purchases are made, which guarantees most customers will miss the first payment. 
XXXX. Even though consumers may pay in full based on the last statement provided, Macy 's / Citibank intentionally accrues interest in a deceptive manner that guarantees the account will never be paid off, resulting in exorbitant service fees and other charges. Specifically, by the time the consumer receives a statement, even if the consumer immediately pays in full, a small interest charge has already accumulated. The predatory aspect of this is that Macy 's / Citibank relies on the consumer 's reasonable belief that s/he has paid off the account in full. Macy 's / Citibank 's subsequent interest and late charges amount to deceptive / predatory credit practices.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance with the removal of inaccurate personal information on my credit report. Despite my multiple attempts to correct this issue directly with the credit reporting agencies, the incorrect data remains, and I have been unable to resolve the matter. 
The incorrect personal information listed on my credit report includes the following : 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 I first identified these inaccuracies on my credit report on XX/XX/XXXX Since then, I have disputed the inaccuracies with the following credit bureaus : * XXXX * XXXX * Equifax I have followed the required dispute procedures, providing supporting documentation such as my government-issued ID, & proof of address, Despite these efforts and my continued contact with the credit bureaus the incorrect information has not been updated or removed. This inaccurate personal information is causing confusion and, in some cases, may lead to potential identity fraud or errors in my credit profile. I am concerned that it may be affecting my creditworthiness, and I would like it corrected as soon as possible. 
I kindly request that the Consumer Financial Protection Bureau assist me in resolving this matter by helping facilitate the removal of these inaccuracies from my credit report. 
Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving these inaccuracies. If you need further documentation or information from me, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXr XXXX Bankruptcy 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: Checking or savings account

Hello, I have not been able to access my Coinbase account holding my bitcoin/XXXX pounds held there. 
It will not me log in despite knowing full well my password & e.mail details are correct. 

Upon pressing OK a pop up tells me that my account has been locked and visit Coinbase.com to resolve I have done so, they create a case number when you submit whereby you have no choice to select their drop box reasons as to the problem which therefore isnt specific to find out by themselves as to why my account has actually been locked in the first place. 
Upon submission of managing to loosely tell them that my account wont let me in I received a confirmation with as mentioned above, a case no. from them and a brief answer that says that they are looking into it and say they will be getting in touch with myself within 72hrs. 
I have since sent a day later a query regarding support about changing my password as it does mention about changing a password too. 
When you try to do this, you dont get that option ... .You receive this below : - PASTED BY MUSELF : - Coinbase Account Recovery Complete the following steps to recover your account. 
INFORMATION ID VERIFICATION OVERVIEW We have received your account recovery request. After reviewing it, your account changes should be active within 48-72 hours. 


With absolutely no direct contact with this company that has MY money in, then I aswell as the majority of people, would be annoyed surely? They have my money which as it stands right now is theft! 
I have not been given any reassurance from this company other than the Pasted attachment above. The reviews I have read say that they have waited well over a month for issues exactly the same and similar ones and STILL have had no response despite contacting them over and over!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Discharged XXXX : Bankruptcy Reference number : XXXX
Product: Credit card or prepaid card

On two occasions a person used my Chase Bank credit card number to make online purchases. XXXX XXXX {$1900.00} was charged to my card ending in XXXX at XXXX XXXX store number XXXX, XXXX County Texas. On XXXX XXXX a charge on the same card for the amount of {$1800.00}. I found out about this around The third week in XX/XX/2020 when I logged in to Chase bank to make my Auto loan payment and noticed the charges on my card. I notified the Chase fraud department and the canceled the card and removed the charges. Two weeks later they sent me a new card and put the charges back on the new card. I have spoken to them well over a dozen times and never get an answer as to why. I have spoken to both of the stores and obtained documents from both of them detailing who the person was who picked up the items at both the stores, his name, email address and phone number. I have provided all this to Chase as well as the police report number I filed for Identity theft with XXXX county Texas Sheriff 's department. I have asked Chase several times what they have learned from XXXX XXXX and the answer is nothing. Chase says that I should get a statement from XXXX XXXX saying the charges were fraudulent. Home depot says they will do that but Chase has to request it not me. I am stuck between two huge corporations that wont lift a finger to help me and now my credit will be ruined because of it. Chase simply is not investigating this matter, they have never contacted XXXX XXXX. How can someone charge almost {$4000.00} to a credit card, give a different name than what is on the card and never once get asked for identification? I am attaching two documents I obtained from XXXX XXXX please pay attention to the name given at the store, his telephone number and the fact that XXXX XXXX emailed this person telling them that his order was ready for pick up.