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

When I disputed multiple accounts with Experian, they claim they verified the information and said it was valid. They verify innacurate addresses and other information based upon the innacurate information being reported from accounts that shouldn't be on the credit file to begin with. Then say since the address is on the credit file, the account is validated. I have sent in my ID numerous times along with years of utility bills, and social security card. Still, they refuse to properly verify information. They take a creditors word over mine, but a creditor can not show them any ID or signed documents to verify me, but yet I can provide identification. when I go back a 2nd time after reviewing more information on the accounts, I try to dispute them for missing balances, or innacurate dates, innacurate addresses. They refuse to reinvestigate and tell me I have to supply more documentation. I have personally contacted these accounts and some won't even give out information, and some aren't even in business. A couple are supposedly medical bills that refuses to verify information because of HIPAA. So exactly how is Experian verifying the false innacurate information they have? I've even had a guy on the phone at Experian telling me that is does no good to remove a false innacurate address, because if an account reports it, they will put it back on the credit file. I have an account on my credit file reporting a different balance multiple times a week just so they can flag my account. The balance is {$1200.00}, then it goes to {$1200.00}, then it goes to {$1200.00}, then it goes to {$1200.00}. Over and over and over. But yet Experian allows this and won't let me dispute an innacurate balance, and the account isn't even mine. It took me months to get them to remove other socials, other names, and even businesses they claimed I owned that were half way across the country. I'm sick of Experian!! Somebody please do something with these XXXX..
Product: Money transfer, virtual currency, or money service

In XX/XX/2017 I opened coinbase ( https : //www.coinbase.com/ ) account to start investing in crypto currency. 

Then I submitted XXXX separate transactions for {$3000.00} each on XX/XX/XXXX and XX/XX/XXXX and only those XXXX transactions were authorized by me. 
Later I looked at the history of my account and there were XXXX transactions to coinbase account {$3000.00} each instead of XXXX! 
I went to XXXX XXXX Bank and cancelled these XXXX transactions. 

I never authorized the other XXXX transactions that coinbase shows took place in my account from XX/XX/XXXX to XX/XX/XXXX. 

To be clear, my XXXX XXXX account should have only had XXXX transactions for a total of {$6000.00} and I should have roughly XXXX litecoins. 

When the unauthorized incorrect transactions were reversed, only the unauthorized transactions should have been reversed. Looking at my account it seems my litecoins were taken from my account sold at the current market price on XX/XX/XXXX to recoup the loss on the unauthorized transactions initiated by coinbase and not me. 

I asked litecoin company XXXX litecoins be returned to my coinbase account. It is not my fault that coinbase wrongfully created additional transactions and it is not my liability. 

Instead of that they closed my account where now I see XXXX Litecoins remaining Instead of XXXX. 

I am upset at the way this business was conducted and seems completely fraudulent in nature. 

Please make an investigation.
Product: Credit reporting or other personal consumer reports

Please remove the following inquiries that I did not authorize from 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 XXXXXX/XX/XXXX i did not provide written permission or instructions for identification to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of faxt by me relevant to the reuqest to block the information related to any transaction by me as a consumer. Please delete within 4 days of reciept of this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing these accounts with Experian since the beginning of last year. I disputed even with the original creditors and for some reason the information was removed from the other two credit reports but not from Experian. They have made it really difficult for me to dispute this information and keep going back and forth with this with no resolution. I do not have the means to hire a lawyer as I am a XXXX XXXX veteran.. The following accounts should not be reporting on my report : XXXX {$520.00}, XXXX XXXX XXXX XXXX  for XXXX XXXX  XXXX  for {$660.00} and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and they informed me they received my payment on XX/XX/XXXX and they will contact the bureau department it was posted on my account and they also said they contacted EXPERIAN AS WELL my credit report still says XX/XX/2022 2022
Product: Debt collection

My car was totaled in an accident in 2018. Santander was paid in full I went to purchase a new car and found out they were claiming I hadn't made a payment in months. I reached out and they claimed they were not paid off. I provided proof they were and they said that they weren't paid off through the " proper channels '' so I needed to pay them the remainder of the loan. Which I did not agree to and I disputed it with all three credit reporting companies. I was unsuccessful. After a year of fighting with them, I agreed to pay the remainder of the loan AGAIN just to have it removed they then said no. They stated that they would accept the money but not report it as paid off since it was not done in a timely manner. 
So here we are three years later, they are on my credit report as a charge off and a repossession, This is hindering my life and mental status.
Product: Credit card or prepaid card

I opened an Amazon Store Card with Synchrony Bank in XX/XX/2021, was granted a {$600.00} credit limit, and used it to purchase an XXXX XXXX XXXX. On XX/XX/2021 I made a payment of {$500.00}, leaving a balance on the card of {$94.00}, which should have made about {$500.00} available to spend. As of today, XX/XX/2021, the payment has posted to the account and cleared my bank ( as of XX/XX/XXXX ), but there is still only {$5.00} available credit. No other charges/purchases have been allowed to be made and there are no pending transactions. I have made about {$600.00} in purchases from XXXX XXXXn the past week ( XXXX gifts ) using other payment methods, but this lack of access to what should be available credit on the store card has caused me to not be able to take advantage of the 5 % cash back on such purchases. There was no notification made to me when I made this payment that it would not result in that amount of credit being available, and there has been no explanation for it visible on the online account information, nor has there been any notification of a change in the status of the account.
Product: Credit reporting or other personal consumer reports

This was a credit card attached to a " credit building '' account but was separate. I paid into the " credit Building '' account and paid the credit card on time. Eventually the " credit builder '' was paid to the full amount, and I requested the money. They informed me that because I had a {$400.00} balance on the credit card it was their policy to withhold money they owed me until the credit card ( which had a XXXX dollar limit ) was paid in full. At the time I had an urgent need for my money, but they would not release it. I told them that our relationship was severed, that they could pay the credit card from funds in my " credit builder '' and return the balance to me, which they did in 60 days. Since then they have consistently reported a late payment on the credit card, and it has negatively effect my credit report, even though both account appear as " paid in full, XXXX balance ''. How can they do this? It has created a hardship and adversely affected me when I need to use my credit history to secure other types of loan, including my ability to get a car loan.
Product: Credit reporting or other personal consumer reports

My information was misused and now this unauthorized information is damaging my report. This is a violation of the FCRA because this Information is not 100 % inaccurate.
Product: Debt collection

I have attempted to contact XXXX XXXX regarding three balances owed after medical insurance payments. I have unsuccessfully attempted to dispute this balance with the original creditor who was bought out by XXXX XXXX XXXX and referred me to their billing department. The representative advised me the debt was " sold '' to Medical Data Systems. I've been unsuccessful in disputing this amount with either of these companies who have refused to provide me with a direct department to contact at XXXX XXXX Hospital that I can dispute this balance. I sent a certified letter to XXXX requesting they validate my debt and received not only the billing information but, my diagnosis and related medical codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit adjusters agreed to accept my settlement payment and remove information from my credit report 30 days upon final payment. This information is still reflecting on my XXXX and XXXX credit report. XXXX has removed the information after requesting deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2023 I was denied insurance based on information from XXXX, Transunion, and XXXX. When I called the insurance underwriting division, I spoke to XXXX at XXXX XXXX XXXX. He refused to give me specific information they used against me. I began to contact the Three listed companies. XXXX helped me rapidly and I was able to obtain my score and report. Transunion refused to offer me my free credit report. I spoke with XXXX. See attached conversation. She refused to respond after I demanded the free report. I have not given Transunion permission to obtain my credit information and I would like all of my information removed from their platform
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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 record 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, credit repair services, or other personal consumer reports

I have received my credit report and there is fraudulent accounts being reported on my profile from XXXX and Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I sent two letters to LexisNexis on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail to dispute inaccurate information they have published on my consumer credit report with no success. Both letters were responded to with additional copies of my consumer report and did not address the inaccurate reporting or attempt to rectify the issue at all. Therefore, I am reporting their willful noncompliance and blatant violations of the Fair Credit Reporting Act ( FCRA ) to the Consumer Financial Protection Bureau ( CFPB ).

As a consumer reporting agency governed by the FCRA, 15 U.S.C. 1681, et seq., LexisNexis has a legal obligation to ensure that all information in consumer files is accurate and free from errors. LexisNexis has inaccurately published a bankruptcy filing to my consumer report, which is in direct violation of 15 U.S.C. 1681e ( b ). On the Bankruptcy Court 's website that LexisNexis referenced in their publication on my report, it specifically and clearly states that they do not report or provide consumer information to credit reporting agencies. Furthermore, LexisNexis listed a completely different entity from the Bankruptcy Court as the source of their reporting. 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to achieve a high standard of accuracy, as demonstrated in cases like XXXX XXXX XXXX XXXX XXXX XXXXXXXX where the court highlighted the strict requirements for assuring maximum accuracy. 

Additionally, when I disputed the information and requested that LexisNexis provide me with verified documentation that illustrates I had granted them the permission in writing to report this information on my report, the requests went ignored in direct violation of 15 U.S.C. 1681i. Moreover, because neither myself or the Bankruptcy Court provided LexisNexis with this information, it is apparent that they obtained this information under false pretenses because the information is unverified and unauthenticated, which is a direct violation of 15 U.S.C. 1681g. 

Lastly, LexisNexis had absolutely no permissible purpose to report this information, because as previously stated I did not provide them with written permission granting them the right to do so. For them to still publish the information with no permissible purpose, they have also violated 15 U.S.C. 1681b.

For the foregoing reasons, LexisNexis must remove this unverified, invalid, and derogatory information from my report Under the FCRA. They have violated several sections of the FCRA, including 15 U.S.C. 1681 ( a ) ( 4 ) as well as the Privacy Act of 1974, as they have not exercised their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy as a consumer reporting agency.

I am prepared to provide all supporting documents and a copy of the dispute letters sent to LexisNexis upon request. LexisNexis 's lack of action on this matter is not only a failure in consumer protection but also a breach of the legal obligation they have to consumers under federal law. I request immediate intervention from the CFPB to resolve this matter.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX Inquiry date : XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX  XXXX  Inquiry date : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX bankruptcy XXXX XXXX, XXXX, XXXX, XXXX  XXXX Open date : XX/XX/XXXX, XXXX  XXXX  Open date : XXXX XXXX.
Product: Checking or savings account

I received my pay check direct deposit on XXXX it is now XXXX the bank has not processed the direct deposit and it is just sitting there in limbo. They have not made those funds available to me. As I understand those funds should be available next business day.
Product: Credit card or prepaid card

I called in to try to close a fraudulent credit card application and was told it was cancelled. Then a week later still received the credit card. Called in today XX/XX/2023 with XXXX identity protection agent XXXX to help me get the account closed. Was transferred 5 times, and was told by supervisor XXXX that I couldnt close the account because the identity protection agent was on the call with me. Even though we were not told that was a problem beforehand. I just want the card that I didnt ask for cancelled and cant seem to make it happen.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of birth : XX/XX/XXXX. Contains of complaint : This CFPB has been filed to request pursuant to FCRA section 605B ( 15 U.S.B. Section 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 Buisness days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of hard inquires at XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, now XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX And XXXX XXXX  on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires 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, or hard inquirys 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 inquirys 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, or hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have not had XXXX  since XXXX  this debt keeps reappearing with a new opening date and it is far beyond XXXX XXXX XXXX. Current opening date says 8 months this is simple incorrect. I have also never done business with or have had any prior knowledge of the company portfolio recovery I have asked for proof of ownership and itemization of charges through credit karma and never received any correspondence. Reporting this debt is against FCRA guidelines due to age of account.
Product: Credit reporting

XXXX complaint On XXXX/XXXX/XXXX, XXXX EST, I faxed my SS Card, marriage licence and birth certificate. I have proved my identity, I EXPECT A RESOLUTION! I was also never notified by Equifax that I had to submit my ID before they 'resolved ' my complaint I got a rejection letter from Capital XXXX Auto XXXX XXXX dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in. 

***can not check Equifax credit online by answering the XXXX security questions as myself. Equifax has me confused with my sister in law, who has lived at the same address for overlapping times as me, XXXX XXXX XXXX. *****
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with Navient since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to Navient regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to Navient advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was reviewing my credit report and noticed a few late payments. my account is in good standing and I will like to ask for forgiveness for the late payments. having late payments on the account is stopping me from obtaining credit. can you please help me out please .the account # is XXXX and XXXX
Product: Debt collection

I got a letter in the mail today XX/XX/XXXX saying XXXX XXXX XXXX is sueing me for {$12000.00}. Me, myself and I have NEVER opened an account with them and I never took out a loan. Someone else used my name, an old address, and social security number to open this account and it worked! I never knew about this account until I started to receive letters in the mail stating I owe a balance and needed to make payments. That's when I gave comenity capital bank a call and filed a complaint. Apparently comenity bank is now XXXX XXXX XXXX. They told I had to file an affidavit on this website. I'm not sure where to go from here but I've been trying to dispute this claim ever since I found out about it in XX/XX/XXXX. They said I gave consent and signed paperwork. I never did that. I never received a call from any bank asking for my consent. I never showed up in person. The person that committed the fraud had an old copy of my ID, forge my signature and was able to get away with just that. I'm still not sure how this happened but I want answers and will do whatever I need to do to get this right. Please let me know what information you will need so I can remove this debt because it does not belong to me.