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

delete XXXX XXXX XXXX address. It belongs to someone else. 

delete XXXX XXXX  as employment information. It belongs to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I decided to check my Transunion credit file and noticed that their was a company listed : Company Name : XXXX XXXX XXXX XXXX. 
Account # : XXXX On XXXX XXXX XXXX I mailed out a certified letter to Transunion informing them that I have noticed inaccuracies in there reporting on me. I requested that Transunion investigate and verify the accuracy of this account from " XXXX XXXX XXXX XXXX ''. On XX/XX/, I received a letter from Transunion stating that they have investigated this unknown " XXXX XXXX XXXX XXXX '' account and verified that it was accurate along with a copy of my credit report. On XXXX XXXX XXXX, I mailed out another certified letter informing Transunion that the reporting of this item is extremely important to me and the description of the procedure used to determine the accuracy and completeness of the information is requested. I gave Transunion XXXX  days to provide me with the name, address, and telephone number of each person contacted regarding this alleged account. I also requested a copy of any documents provided bearing my signed signature, showing that I have a legally binding contractual obligation to pay " XXXX XXXX XXXX XXXX '' the exact amount claimed. On XXXX XXXX XXXX  I received a letter from Transunion claiming that they have completed the investigation, and the disputed information was verified as accurate along with a copy of my credit report. On XXXX XXXX XXXX I mailed out another certified letter to Transunion informing them that they have failed to provide me with a document bearing my signed signature, the description of the procedure used to determine the accuracy and completeness of the information, and the name, address, and telephone number of each person contacted regarding this alleged account. I also informed Transunion that they have also violated 15 US CODE 1681e ( b ) by not providing me with MAXIMUM ACCURACY. I also informed Transunion that they have also violated federal law and 15 US CODE 1681i ( 7 ) '', by not properly investigating within the 15-day timeframe. I also I demanded that they remove this XXXX XXXX XXXX XXXX account immediately. On XXXX XXXX XXXX I received another letter from Transunion claiming that they have investigated and the account was verified as accurate along with a copy of my credit report. Transunion continues to send me the same information over and over again, and none of it contains what I have requested. This issue has caused me denials, distress, money, and time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts XXXX ( XXXX ) XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX XXXX  ( XXXX ) XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C 1681C that you experian credit reporting agency permanently remove information appearing on my credit report that is result of fraud incorrect reporting within four business days fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXX/XX/XXXX is the open date balance XXXX and XXXX XXXX XXXX XXXX ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX balance {$430000.00} under the account number ( private ), a personal loan account opened at XXXX XXXX at XXXX credit card and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts,
Product: Credit reporting or other personal consumer reports

I tried to visit early warning 's website to obtain a copy of my consumer report. However, it was not available. I am kindly requesting that EWS mail me a copy of the report.
Product: Mortgage

I took out a loan with XXXX it was a HUD loan. It cost me {$35000.00} at closing and I was told that was the cost of buying the house at {$270000.00} because it was a XXXX loan. After almost 2 years fighting with the contractors due to bad quality of work, XXXX XXXX gave the contractor an additional {$5000.00} of my money, against my approval, to sign off the any waivers to complete the work. The work was never completed and warranty issue developed bad quality of work and no one came to fix the problems.
Product: Debt collection

debt is past 7 years statues of limitations and should be removed from credit bureas
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person and a living human being whom I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand these Inquires and accounts listed below removed because According to 15 USC 1681. I have the right to privacy and I did not give Equifax a written permission to furnish these inquires and accounts on my credit report. 

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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has all violated my rights. 
15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

So this is a weird one. It's been a while since I checked my credit report. I see XXXX LVNV Funding LLC accounts on my report. Now for some reason I have been making payments to them, but never really understood for what. As I started to dig deeper I realize that these accounts they are collecting for I never did open them. So I've been paying on accounts that I didn't even open. I probably should have paid better attention to them. Anyways, again I did not open these accounts.
Product: Student loan

Because of an illness, I recently contacted  Navient on  or around   XXXX   XXXX   XXXX     to defer my student loans until I regained my health. During that phone call, without my knowledge,  Navient tra nsferred me to a third-party company. Somehow this third-party company gained access to my personal and financial records without my consent. Soon after, this third-party company fraudulently took out funds from my bank account, which required me to submit a claim to the bank and change my account information. I called  Navient on n umerous occasions in order to inquire about this problem and each time was told a supervisor would call me back. However, no one ever did. Finally, on   XXXX   XXXX   XXXX    , I called  Navient to co mplain about the fact that no supervisor ever got back to me. The next day I received a call from   XXXX   XXXX  , a lawyer who represents  Navient. Duri ng that phone call,   XXXX   XXXX   discussed my complaints in a belligerent manner. He also questioned the legitimacy of my and my son 's answers to his inquires. He told me that he would verify my statements with the company 's phone records, but then, a few days later, he told me that he could only access records as far back as   XXXX   XXXX   XXXX    , which is well after the date in which the fraud took place. At the end of our conversation, he told me that the burden of proof fell on me. I would like to know how my personal financial records ended up with a third-party company and whether or not I should take legal steps agai nst Navient for t heir actions.
Product: Credit card

Bogus charges from XXXX appeared on our AMEX card. XXXX month was for + {$600.00} ; XXXX month was for + {$3500.00}. We do not know who they are, nor were we ever contacted by them by phone or e-mail. We always use a virtual keyboard when ever we enter sensitive data. We did not pay any of these charges and feel that this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires I have not authorized Never On my credit report Foursight CA XX/XX/2021 XXXX XXXX  XX/XX/20XXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021 Informed me to contact the credit companys XXXX XXXX XX/XX/202XXXX XXXX
Product: Credit card

On XXXX XXXX, 2015 my dog was attacked by another dog. As she was bleeding out in the middle of the night, I took her to the vet, but was not able to pay for the emergency surgery out of pocket. The vet had me apply for Care Credit, which covered {$500.00} of the expenses. I am now trying to pay my bill. I, understandably, was a bit distressed during the application process and do not remember my log in information. So, I have been trying to call the company at their published number of XXXX. When I call, all that happens is I am congratulated on being eligible for special offers, which I decline, only to be met with another offer and another and another until finally I am given another number. When I call that number, the ads begin again. I want to pay my bill. I do not want this to negatively affect my credit, but this company is obviously actively making that a very difficult thing to accomplish. I would appreciate if someone cracked down on them. They are obviously not legitimate and are making money off of emergency situations, then making it so difficult to pay a bill that they compound the payments owed by creating a situation in which consumers have no choice but to be late on their payments.
Product: Credit reporting or other personal consumer reports

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 
Account name : XXXX Account number : XXXX
Product: Money transfer, virtual currency, or money service

It all started on XX/XX/XXXX when I noticed that Coinbase inc. withdrew {$500.00} on XX/XX/XXXX out of my bank account without my authorization. The worst part is, they withdrew the money, but not deposited it into my coinbase account. So basically they took money out without my permission and deposited it somewhere else. I already opened a fraud case with my Bank so they can look into refunding my account. I contacted coinbase immediately on XX/XX/XXXX and opened a case, case # XXXX. I immediately received a response that my account was locked and to follow a few steps to unlock it. I followed the steps and sent them a follow up email saying it was completed. I do not understand why they locked my coinbase account when my bank account was withdrawn not my coinbase account. Anyways, that was the last I heard from them. I sent 3 emails on XX/XX/XXXX, 2 email on XX/XX/XXXX. I opened up another ticket with them on XX/XX/XXXX thinking I can get an answer. On XX/XX/XXXX I received an email saying my cases were consolidated to case # XXXX and an agent will reach out to me in 4 to 5 business days after review of the case. The 5 business days came and are now long gone and I am yet to hear back. As a courtesy before I filed this complaint, I emailed them one last time on XX/XX/XXXX asking for status. Still no response. Unfortunately this is the only way to communicate with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had a chapter XXXX showing on my credit report that is not mine I sent in documents to verify that it is not mine and that chapter XXXX doesnt report to any credit bureaus. Experian claim that my information was verified but it came from a thrift part I sent in the letter from the courts clearly stating what I am disputing but it remains on my credit report.
Product: Credit reporting or other personal consumer reports

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : RENTRECOVERYSOLUTIONS
Product: Mortgage

they will not take my deceased husbands name of my account. i have sent death certificate. i have spoken to them several times and they advised me to send to department SII which i did about four months ago. when i speak to them they say they have a copy of it but i need to speak to SII department. however they phone number they gave me nobody answers it. i have called several time and been advised they do have a copy in the file. but i can not get anyone to change it. we need to please take his name off and off the statement
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear ZIONSDEBTHOL, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Section 570.223.

It has unequivocally come to my attention that ZIONSDEBTHOL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Missouri Revised Statutes Section 570.223, underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for ZIONSDEBTHOL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ZIONSDEBTHOL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ZIONSDEBTHOL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding your company 's failure to conduct a proper investigation into inaccurate collection items on my credit report. 

Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor XXXX XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXXXXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 

It has come to my attention that despite repeated attempts to resolve this matter, your company has neglected to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable investigation into collection items brought to their attention by consumers. However, your company has failed to do so on multiple occasions, thereby violating the law.
Product: Credit reporting or other personal consumer reports

This complaint serves as a formal demand under 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). It is your responsibility as a consumer reporting agency to adopt and maintain reasonable procedures to ensure fairness, impartiality, and maximum possible accuracy while respecting my right to privacy.

Upon review of my credit reports, I discovered inaccurate and unverifiable information that has been removed by other consumer reporting agencies but remains on your report. This failure to maintain reasonable procedures is a violation of 15 U.S. Code 1681e and has deprived me of my right to extend new credit under the Truth in Lending Act ( 15 U.S. Code 1602 ( f ) ). This deprivation constitutes a federal violation under 18 U.S. Code 241. 

I demand the immediate removal of the following account : XXXX XXXX XXXX - FTC Report Number XXXX. This is a direct violation of laws enacted by congress to protect consumers. Remove immediately or I shall be seeking litigation for each violation in my credit report starting at 1000 per fine. am well aware you have no legal standing in court and there are numerous counts of case law which illustrates the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgement in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought from you by your company. l am demanding that you remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S.Code 1681n et seq.
Product: Checking or savings account

I have account with Marcus back. It is a savings account. It has been in good standing. 
Marcus sent me an offer to add {$10000.00} to the account and keep it for 90days. 
I did that. 

My login stopped working so I called Marcus bank they told me that they made a business decision to close my account and no reason was given. No choice was given and no notice was given. 

This bank is a fraud and I have seen this in last 30 years that a back had decided to close your account and forefiet my {$100.00}. 

I am wring to you this but I do not think anything will do done to the monster bank as this is bank control the govt. I hope I am wrong and you go after this bank and fine them.
Product: Vehicle loan or lease

I have been in contact with Westlake Portfolio since XX/XX/XXXX. I have paid the last payment on my car. I have called in XXXX and they said I was going to receive my title by XX/XX/XXXX. I called on XXXX XXXX and they said they had to resend me my title. I have been asking for a receipt or document stating this car is paid off and they said they couldn't send me one. Westlake Portfolio took over American Car Center. I have been more than patient. I have no receipt or documents or no title. As a consumer I should get a receipt or documentation stating that car I paid off in full and awaiting title. It's been 3 months and they continue to give me the runaround. The car is a XXXX XXXX XXXX. Please help