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

Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. To Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. Upon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. Legal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Failure to conduct a proper reinvestigation and delete inaccurate information within 30 days. XXXX XXXX XXXX XXXX XXXX XXXX  Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. XXXX XXXX. XXXX ( XXXX ) Communicating false credit information with knowledge of its inaccuracy. XXXX XXXX. XXXX Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. Furthermore, your conduct is consistent with prior legal actions brought against XXXX and similar entities for improper data handling and failure to comply with consumer protection laws. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). Immediate Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. Cease and desist any further reporting, selling, or furnishing of my data to third parties. Provide written confirmation of compliance within 30 days of this notice. Failure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. This letter serves as formal notice of my demand under applicable law. No further warnings will be provided.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a upromise XXXX issued by Barclay 's bank. They have locked me out of the account and will not provide statements or information to manage the debt. They are demanding documents I do not have to prove my identity. I have made payments by blindly sending them to the payments address hoping not to be late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank received my formal dispute on  XXXX / XXXX / 17 . I requested validation of this account, as they have a Best Buy credit card reporting as " written off/past due '' under my social security number. CitiBank only responded with a letter stating the account is delinquent {$470.00}, with no other information. Citi Bank also failed to mark my credit report as disputed within thei r 30 allowable days. I then mailed them another letter asking for validation and how they verified the account. I hav e still not gotten a reply from them nor have I received any additional correspondence associated with this account they claim to be mine.
Product: Money transfer, virtual currency, or money service

For years I, as a client of Citi, could log into my online account and check an incoming international wire transfer, where I could see the incoming amount in the foreign currency and the sender. Since XXXX, Citi has cancelled this functionality. I did not contact the bank in XXXX. This year, XXXX, the same happened. When I called the bank, an agent said : " Your account shows the incoming international transfer as X USD. On that date, the exchange rate from finance.google.com is Y. So, the incoming transfer in the foreign currency should be X times Y. '' I said : " No. I need to know the amount in the foreign currency as transferred so that I can judge if Citi used an improper exchange rate or misreported the incoming amount. Citi is obliged to report the incoming amount in the foreign currency. Citi can not conceal this amount. '' The agent answered : " This functionality is no longer available. '' I wrote to Citi 's CEO, XXXX XXXX, XXXX times. Citi 's XXXX XXXX XXXX answered via futile, useless letters that present the bank as arrogant, arbitrary, fearless, and lawless. This case is not about one client. This is about thousands of clients, justice, and the rule of law. Banks must be forced to abide by the law. If not, they must be fined painfully that the CEO learns the basics of ethics, integrity, and morality and the importance of conducting lawful business.
Product: Credit reporting

There 's a chicken-and-egg problem with setting up long-term fraud alerts on my accounts. It is impossible to put a long-term fraud alert on an account without also supplying a law enforcement evidence of a problem. 

The problem is that there is n't a problem *yet*. There 's a poster on the door of my post office that says mail was stolen from there. There 's a notification from XXXX and XXXX XXXX and others that say that my information has been stolen. Yet that 's still not enough to lock down my credit accounts? I have to wait until my life has been wrecked to put some security around my credit accounts? 

That does n't seem right. 

I have to pay {$30.00} to the credit monitoring companies to freeze my accounts ... but the companies get hacked are n't selling security freezes ... they 're selling worthless credit monitoring services, instead. In **ANY** case, the credit reporting agencies are benefiting. 

This does n't seem right. 

Especially when, in the latest hack, it was the credit agency themselves that lost my data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied to refinance my home mortgage for a lower interest rate. The loan documents submitted to me included another client information. Which is a breach of personal information. I was provided with their loan documents credit history, credit card account numbers and their entire credit history. I contacted the company and spoke with the manager XXXX she acted as if it was no big deal. I want this company investigated to ensure not only MY information is secure but all of their customers information is safe and secure. This is a breach of personal information that could be very harmful to anyone. Their entire life has been comprised and I feel as if my information could have been given out to someone in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting to XXXX  that I made 5 late payments ( bright bold red print ) in XXXX. I did not make ANY payments on XXXX XXXX XXXX or XXXX. I've disputed this INCORRECT information both with NELNET and XXXX  with the answer that " that's just how they entered a deferred if not contacted '' I was NEVER notified that I needed to contact NELNET and to this day I still have no ideas as to why I needed to contact them. But it does up on the 9 OPEN ACCOUNTS which should have been consolidated when NELNET bought it from old student loan company. I'm on my 5th different " student loan account owner '' my entire life is affected by this " credit report '' along with the discriminating in every possible way, " background report '' please help amend THIS credit report so I can get a better job and an actual home of my own
Product: Money transfer, virtual currency, or money service

My money was taken from my cash app and I never got it back cash app name XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Both Experian and Tran Union have failed to conduct a proper investigation of my credit dispute, violating the Fair Credit Reporting Act ( FCRA ). Despite providing supporting documentation, Experian/ Tran UNion did not forward my evidence to the data furnisher, accepted unreliable responses, and failed to adequately notify me of the dispute outcome. These failures align with the CFPBs lawsuit against Experian, which alleges systemic issues, including the failure to forward consumer-provided evidence, reliance on unverified furnisher responses, and inadequate dispute resolution notifications. Additionally, my experience reflects these same violations, as Experian / Tran Union failed to remove or properly correct the disputed information. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians and Tran Unions inaction has violated federal law and my rights as a consumer. 

XXXX XXXX  XXXX XXXX XXXX balance and Paid off and traded in and shows a voluntary repossession and a balance owing. Its not accurate and other is no balance and no late payments. 
XXXX XXXX XXXX XXXX Paid off and XXXX balance- XXXX XXXX XXXX XXXX paid off balance is XXXX XXXX XXXX XXXX XXXX balance is XXXX and paid off and reflects a repossession, I sent in copies of the check from insurance since the car was involved in an accident and paid off 100 % and XXXX  retained the title and it shows late, balance or written iff amount and repossession. 
XXXX Shows a collection balance and not accurate. 
XXXX Balance is XXXX XXXX- Balance is XXXX XXXX- balance is XXXX XXXX  XXXX balance is XXXX XXXX  XXXX balance is XXXX XXXX XXXX balance is XXXX XXXX XXXX XXXX XXXXXXXX XXXX balance duplicate account listed with balance XXXX XXXX Balance XXXX shows a balance and its close at my request and should have XXXX balance After multiple times I requested these to be corrected, nothing was done and they remained. 

There is also an address XXXX XXXX number XXXX instead of XXXX which is clearly a typo and they refused to correct that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to CFPB complaint XXXX XXXX and the letter Lexis/Nexis sent to file in response to the complaint, the investigation by Lexis/Nexis into auto claims information associated with my name was closed by confirming with XXXX that all disputed auto claims were associated with me. This is not true. Lexis/Nexis never asked XXXX if my name could be associated to the claims. I know this because XXXX told me this. The claims person at XXXX helping me today was speaking to the claims person who responded to the Lexis/Nexis re-investigation. All Lexis/Nexis asked XXXX for was a confirmation that the claims in the XXXX  database were real. I have never been insured by XXXX. I sold the vehicle involved in XXXX. The claims are from XXXX to XXXX. So this means that XXXX contains erroneous information about vehicle ownership, maybe for 15 years. It also means that I am most likely paying increased premiums for car, apartment, and auto insurance and have been for years. It also means that any background checks to support federal government clearances during the time, unknown, when this information first appeared in XXXX, has most likely resulted in adverse information reported on me when it comes to financial risk.
Product: Credit reporting or other personal consumer reports

See letter I have attached, please remove remarks from the accounts listed in the letter I am in the middle of a XXXX loan application and this is hindering my approval
Product: Money transfer, virtual currency, or money service

I opened up a Coinbase account some time ago ( more than 2 years ) and used their service to create my own personal Wallet linked to my Coinbase account. I have about {$980.00} in USD Coin in my wallet that I want to send back to my Coinbase account and there are a couple of problems. The instructions for doing so are confusing and the Coinbase help seems like a chatbot that is not very helpful and the instruction document referred to by Coinbase points to something that may or may not be related to my Coinbase account. To make matters worse, I am being asked to buy anywhere from {$40.00} to {$80.00} of ETH for gas fees to make the transaction ( of less than {$1000.00} worth of XXXX  ). After I get the XXXX back into my Coinbase account who knows how much I will be charged to convert it back to real US Dollars and send it back to my regular US Dollar deposit account at XXXX. These are usurious charges that make the whole enterprise seem like a scam. Thank you for your attention to this matter. 
Cheers, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXXXXXX  when this account was paid off and closed XX/XX/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB complaint # XXXX regarding account number XXXX XXXX XXXX stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. 
XXXX stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need XXXX XXXX to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED. 
I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. 
I never gave consent for XX/XX/XXXXXX/XX/XXXX to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. 
Any payments made to this account shall be returned immediately. 
Best regards XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is a fraudulent address listed on all XXXX credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all XXXX credit bureaus and my credit reports.
Product: Credit reporting or other personal consumer reports

I have inquires hardened soft on XXXX equifax credit report. my information was breached and I have those inquires coming from equifax XXXX. I have called and no one was to help me I have also filed report with the. federal trade commission and have a identity report filed with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems is the collection agency that is reporting inaccurate information to my credit report. I have disputed with them and through all 3 bureaus multiple times and they keep reporting that the information is accurate but refuse to provide documentation from the original creditor whom is the XXXX   XXXX  XXXX XXXX XXXX.I originally tried to reach out to the apartment complex myself but this complex was sold to another company and they have no record of anything. I disputed the balance they say I owe which is {$5300.00}. I've asked they send me proof of this balance and they keep sending me the last account ledger ( which is inaccurate ) from the Apartment complex prior to them being sold.
Product: Credit reporting or other personal consumer reports

This evening in response to a complaint I made with the CFPB XXXX sent me a letter saying that they can not locate a file on me and that I must send them voluminous paperwork with my social security number, utility bill, pay stub, tax return, you name it. Unfortunately for XXXX I obtained my credit report a few weeks ago from their office at XXXX XXXX XXXX XXXXXXXX. The report gives me a XXXX XXXX of XXXX, too low to rent an apartment. There are vast numbers of companies listed as having made soft inquiries and phone numbers to request that they cease and desist. Not one of these numbers is a working number. And so why should we believe anything XXXX says. Their response to complaints is to bury you in platitudes and time wasting demands for more information which they already have. It is worth noting that XXXX is a corrupt company that knowingly places information it either knows is fraudulent or should know. The kinds of things that show up on their credit reports are not debts or delinquencies but disputes involving XXXX clients whom they want to keep happy. XXXX knowingly places false information on their credit reports and destroys lives. XXXX wants to keep consumers from obtaining credit because the big banks want a small credit pool. It is obvious that XXXX will never change and so a lawsuit is the only way to bring this company to justice. XXXX is also in for some bad publicity which they richly deserve. This companys hypocrisy is revolting. XXXX XXXX should be in XXXX.
Product: Debt collection

Received a summons for a credit card debt lawsuit. The creditor is XXXX XXXX XXXX. I was never made aware of this debt nor did I receive ANY communication from them prior to being served a court summons. Based on reviews from other people this seems to be a common practice with this company.
Product: Student loan

I used a 3rd party company, Higher Level Processing to refinance my student loan. This happened through XXXX. Higher Level processing has been deducting fees from my account and failed to pay XXXX causing my account to go delinquent and has now effected my credit to the point that I am not getting approved for my house that I am scheduled to close in in less than a month. XXXX was never able to contact me directly to discuss any late payments as Higher Level set up my information as there office. All emails, postal letters and phone calls went to Higher Level from XXXX and the payments were never made. I have brought my account with XXXX current directly with them, but the credit reporting has not been addressed. I need both Higher Level and XXXX to be responsible for the hit to my credit report and request it be removed from my credit report as Higher Level worked fraudulently to solicit funds from me for a service they failed to provide. Causing my credit report to show inaccurate information. In addition, having the account set up under Higher Levels contact information, address, and emails is an act of identity theft.
Product: Debt collection

I REPORTED THE ( 3 ) FRAUDULENT ACCOUNTS FROM CENTRAL FINANCIAL CONTROL ACCOUNT NUMBERS XXXX, XXXX, XXXX WITH MY LOCATE POLICE AND CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the tools provided by Equifax, it would appear that my personal data was compromised along with that of potentially millions of others. This is per Equifax 's own tool equifaxsecurity2017.com.