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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, XXXX XXXX XXXX XXXX started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to XXXX XXXX XXXX XXXX, XXXX, and Experian. Experian has closed my dispute 3 times and I have had to reopen it every time. Experian has always sided with XXXX XXXX XXXX XXXX even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XXXX and explaining that no payment has been returned from any truck payment. XXXX XXXX XXXX XXXX failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 XXXX XXXX XXXX XXXX finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information. 
I have been harassed, ridiculed and have had this business destroy my credit without just cause.
Product: Money transfer, virtual currency, or money service

I opened up an new account with Coinbase on XX/XX/XXXX and followed steps correctly to receive XXXX dollars in XXXX, and I even got confirmation emails ( in the email chain attached, and sent to Coinbase but no response from them ). This support ticket was # XXXX. I also followed all steps correctly for recurring payments of min. XXXX USD and on the XXXX and XXXX recurring payment I would receive XXXX USD in XXXX each, totaling XXXX dollars in XXXX ( attached proof ) This would in total be XXXX + XXXX = XXXX dollars worth of XXXX Coinbase owes me. I attempted to email them and received generic and nonhelpful replies which seemed like no one read my responses. 

I also reached out to them on XXXX, and their support contacted me notifying they would check in on this ( but never did ). On XX/XX/2021 I received an email stating they closed the support ticket, but there was never any solution nor response ever again. I am just asking to receive my XXXX dollars worth of XXXX, as all steps were followed and I tried every way to get a resolution, and it has been around 2 months with no response or solution. 

I have also contacted and filed a complaint with the XXXX on XX/XX/2021 in hopes of getting a solution, but when I contacted XXXX as of today there is still no response from Coinbase.
Product: Debt collection

XX/XX/XXXX DRS mailed me a notice regarding an old debt I received it on XX/XX/XXXX stating I owed XXXX and last payment received was XX/XX/XXXX.After several calls from me to the junk debt buyer explaining this was originally a predatory loan that is expired beyond the statute of limitations according to rcw 4.16.040 on collecting a debt, also filing a complaint with CFDP. I wrote and sent via certified mail with signature from the debt buyers admin. a cease and desist letter on XX/XX/XXXX the debt collector answered my complaint with CFDP and agreed to cease and desist. Albeit this debt collector has continued to harass me with letters over and over ever since they agreed to cease and desist. I'm very very upset this debt collector is continuing with the harassment against me. The debt collector mailed notices on XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX demanding I pay or face judgement. I'm unable to load images on this laptop but assure you I have the paper trail to back up my statement.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian Refusal to Delete Inaccurate Account ( XXXX XXXX ) Dear Consumer Financial Protection Bureau , I am filing this complaint against Experian for their refusal to delete the XXXX account ( Account Ending in XXXX ) from my credit report, despite multiple disputes and documented proof of inaccuracies. Notably, XXXX has already removed this account after determining the information was inaccurate and unverifiable. 

Background and Dispute History The XXXX account contains multiple inaccuracies, including : 1. Inconsistent Dates : The reported dates ( e.g., charge-off and account updates ) do not align with other verified information. 
2. Incorrect Balance History : The account reflects conflicting balances across different reports. 
3. Failure to Verify Ownership or Proof of Debt : Experian and the furnisher have failed to provide any supporting documentation proving the accounts accuracy. 

I have disputed this account multiple times with Experian, providing documented proof of these inaccuracies, yet they continue to verify it as accurate without addressing the issues. 

FCRA Violations by Experian 1. FCRA 1681e ( b ) Failure to Ensure Accuracy : Experian is required to ensure the maximum possible accuracy of information on credit reports. The discrepancies in this accounts reporting demonstrate a clear failure to meet this standard. 
2. FCRA 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation : Despite my disputes and supporting documentation, Experian has failed to properly investigate the inaccuracies or remove the account as required under federal law.

3. Failure to Consider Proof of Inaccuracies : Experians refusal to delete the account even after XXXX removed it indicates a disregard for evidence provided by the consumer. 

Requested Actions 1. Immediate Deletion of the XXXX Account : Remove the inaccurate account from my Experian credit report, as it has already been deleted by XXXX. 
2. FCRA Compliance Review : Investigate Experians dispute-handling practices to ensure compliance with FCRA 1681e ( b ) and 1681i ( a ).

3. Provide Verification Documentation : Require Experian to provide verifiable proof of the accounts accuracy. If such proof can not be provided, the account must be deleted immediately. 

Supporting Documentation 1. Proof of XXXX removal of the account. 
2. Copies of my disputes and Experians responses.

3. Highlighted credit report excerpts showing the inaccuracies.

Consumer Harm Experians refusal to delete this inaccurate account has negatively impacted my creditworthiness. This has resulted in : Denied Credit Opportunities : Due to the negative reporting on my credit file.

Higher Interest Rates : On approved loans and credit lines. 
Emotional Distress and Anxiety : From dealing with ongoing inaccuracies and repeated disputes. 

I respectfully request that the CFPB intervene to ensure Experian complies with the FCRA and removes this inaccurate account from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

To whom it may concern, more than a week ago, the fraud department closed my bank account for complaining about the mistreatment and abuse towards me on several occasions, they did not let me make bank transfers and they did not pay the checks that I had signed since before they closed my bank account in an abusive way, just as they closed my account, I have called them many times and they have not given me a solution, regardless of the situation I was going through with my husband who recently passed away and even then they did not return my money based on excuses that my business XXXX  had paid me to my account and that was not allowed, and that they would return all the money that XXXX had paid me to date for the last few months, taking advantage of the fact that they have my money in the account since if they did not have that money they would not commit this abuse that has made me lose XXXX of dollars for which I want to file a lawsuit, and contact the right people to sue this area, I went to the bank and found myself They said they would call me the next day and to this day I have no answers, I asked them to return all my earnings to the XXXX company if they wanted to ask them to return that money, but they haven't even done that to this day, I await their answers thank you
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, {$330.00} was pending to be withdrawn from my checking account by Moneygram. When I called Moneygram, they said there was nothing they can do then hung up on me. I called my bank and they stopped the payment. Now Moneygram sent it to collection. How is this legal? I never sent that money. 
I assume someone hacked there system and they want me to pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, XXXX and XXXX ) caused by Navient/ Navient Solutions ( formerly known as Sallie Mae ). They are currently reporting an account and associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that Navient/Navient Solutions ( formerly Sallie Mae ) is  currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of Navient 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, XXXX and XXXX  ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that Navient ( formerly known as Sallie Mae ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom it may concern, This dispute I'm writing for the following information on my credit report and need this information removed from my file. The items deletion are listed below. I am a victim of identity theft and DID NOT open these account on my credit report. I ask the items be deleted to corrected my credit report. I reported the theft of my identity to the Federal Trade Commission and have copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete these items soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Accounts : XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the accounts listed below. These accounts are showing late payments and I am sure I have never been late. I have requested a statement proving the late payments, but no verifying document has been received. The following accounts are reporting incorrectly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accont number XXXX account number XXXX account number XXXX account number XXXX account number XXXX account number XXXX account number XXXX has violated my right 15 U.SC 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 written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion score is 60 points kess that XXXX and XXXX. They have tge same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is DEMANDED under the F.C.R.A and C.F.P.B.to exercise their GRAVE DUTIES to ensure accurate reporting in respect to a consumers RIGHT to PRIVACY. Under the Gramm Leach Bliley Act EXPERIAN is a FINANCIAL INSTITUTION, so I have exercised my FEDERAL RIGHT under 15 USC 6802 to OPT OUT of their NEGATIVE reporting on requested accounts. EXPERIAN is NOT required by law to report negative information. I have demanded EXPERIAN remove from my reputation negative accounts that are being reported by OBSCENE MATTERs of Racketeering in attempts to collect payment on finance charges when in fact the alleged debt has already been paid for under finance charge 15 USC 1605. EXPERIAN has stated to me they respect the consumer and Obeid by the CFPB guidelines but continue to violate me and violate the CFPB showing in fact a lack of respect to I the consumer and a lack of respect to the CFPB and continue to take part in Racketeering means with furnishers who have also been put on NOTICE. EXPERIAN has sent me a letter stating their RE-investigation has been completed this is in fact a STALL-TACTIC because I DID NOT REQUEST REINVESTIGATION. EXPERIAN IS BIAS IN THEIR INVESTIGATION. I DEMANDED DELETION IN RESPECT TO EXPERIAN GRAVE DUTIES RESPONSIBILITIES TO ENSURE RESPECT AND BANKING SYSTEM CONFIDENCE which they have not. Because of EXPERIAN WILLFULL FEDERAL VIOLATIONS I have lost confidence in the banking systems and I will NO LONGER extend my credit UNTIL THIS MATTER IS RESOLVED. I DEMAND EXPERIAN TO ACT IN GOOD FAITH AND SHOW RESPECT TO I THE CONSUMER AND SHOW RESPECT TO THE C.F.P.B. and perform accordingly and delete demanded accounts permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX and XXXX continue to report on my credit file after the 7 year limit and needs to be removed ASAP I have contacted the credit bureau multiple times but no removals have been made
Product: Debt collection

I provided proof to them through the dispute that I was scammed and they acknowledged it but still saying I owe it doesnt make any sense
Product: Credit card or prepaid card

I applied for an Amex XXXX card last year around XX/XX/2018 under a promotional term to earn XXXX points after account opening and spending {$3000.00} in the first 90 days. I spent more than {$3000.00} during the first 90 days and confirm my promo eligiibility and spent thresholds with an Amex customer service rep via chat. The rep confirm my eligibility and meeting the spent requirements and I was assured to earn the bonus. I never received my bonus. I contacted Amex again on month 5 and a phone rep promised to perform the research and get back to me. I have never received a call, email or secured message from Amex. Eight months into my account, I open a secured chat line again to inquire about the prior two case submitted. A rep performed the review and said I am ineligible because I did not report my case on a timely basis and confirm that based on his review, I did spent over $ XXXX within the first 90 days but there is nothing he can do.. I am upset at the bait and switch tactic at American Express. I paid a {$95.00} annual fee for the benefits and bonus opportunity but was never able to realized it due to deceptive and misleading advertising by Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my report and I seen a few thing that are not right. 
First up my name is : XXXX XXXX XXXX. Please remove any other variation and spelling. 
My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, Oh XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am a victim of ID theft and I have not been it XXXX in over 6 years. I currently am a residence of XXXX Ohio
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code XXXX ( 2 ) and 15 U.S. CodXXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Debt collection

sunrise credit services has called me at least 3 times a day from various numbers since XXXX. I answered and asked them to send me a letter of what this debt is they are calling for a they refuse to send any letter verifying the debt. I have also requested multiple times for a cease on calls. This has not stopped and if anything has become worst. The company calls from multiple different numbers and request that you verify multiple pieces of information without ever stating they are calling for a debt. This company is harassing without allowing you to verify the debt at all. attached are the multiple numbers and the amount of calls I have received from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX XXXX XXXX XXXX - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit reporting or other personal consumer reports

Date = XXXX XXXX through XX/XX/year> In attempting to respond to several emails from TransUnion claiming a dispute had been resolved, I attempted to respond via email and couldnt. I called them and was advised that the emails I was sent ( I have copies ) were fake. this has caused much XXXX  and frustration on my part, wondering if in fact a credit reporting bureau that has all my financial information, has itself been the victim of identity theft causing me to log in to, and give my information to a phishing scheme. 
I have yet to be able to log in to my account by using the ID and password I originally opened the account with. 
I would like a response to the above concerns, and method to discover if I have indeed been scammed by a credit reporting bureau.
Product: Debt collection

Company says I have an account with them and I do not have an account with them. Company says they will sue me if debt is not paid.
Product: Debt collection

Resurgent Capital Services L.P this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.