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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... CREDIT SYSTEMS INTL IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

I opened an account with Citibank on XX/XX/2022. I deposited my first check on XX/XX/2022. They notified me about closing my account on XX/XX/2022. I called and they told me my account has been closed and they cant give me any more information about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a XXXX alleged debt that is on my credit report since XX/XX/XXXX. They say the account was open in XX/XX/XXXX. I have disputed with the credit bureaus, XXXX, Equifax, and XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. All credit bureaus sent me generic responses/ credit reports that say valid or verified. They never sent me any additional information on how they verified and any documentation bearing my signature. I have also disputed directly with XXXX and all they send me are invoices. The dates that I disputed with XXXX is XX/XX/XXXX & XX/XX/XXXX. The amount of the alleged debt that XXXX is stating that I owe is {$110.00}. I know that's not a lot but I refuse to pay something that is not mine. This situation is causing me emotional distress and due to this negative mark I have been unable to get a better paying job. I have also been denied credit cards due to this negative mark.
Product: Credit card or prepaid card

On XX/XX/XXXX I used my credit card to get gas. Shortly after my card was used at a XXXX and XXXX. When I noticed I called and had the card cancelled and was mailed a new one. Now, a month later, the charges have been added back and I was not aware why. When I called they said it was because the chip was validated. When I explained I lost the card they said I should have filed a police report. However, they never told me to file XXXX when I submitted the claim. I should not have to pay for someone using my card fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX made a mistake and had my legitimate accounts by Capital One flagged as Fraud. I've since then been given the runaround since XX/XX/XXXX from XXXX passing blame on to Capital One to resolve this issue. On XX/XX/XXXX after speaking with XXXX with Capital Ones Fraud dispute application department and was once again told that XXXX will need to contact capital one and acknowledge the error since I never disputed the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA 15 U.S.C. 1681a, Section 2B, Exclusions, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device must be excluded from my consumer reports. 

XXXX XXXX is reporting a charged-off line of credit with a balance to my Experian consumer report. This is making it difficult for me to qualify for the necessary financing that I need. Experian reached out to XXXX XXXX and XXXX XXXX verified the account. 

However, according to FCRA 15 U.S.C. 1681a, Section E, the " investigative consumer report '' shall not include specific factual information on a consumer 's credit record that is obtained directly from a creditor of the consumer. 

Because of this, I demand that this item is deleted immediately from my Experian consumer report, or I will file for litigation due to the stress that I have endured.
Product: Credit reporting, credit repair services, or other personal consumer reports

United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas has NO interaction with credit bureaus ( EXPERIAN, XXXX or XXXX ) which includes reporting information regarding bankruptcy cases or verifying the accuracy of information regarding bankruptcy cases held by these credit bureaus. The Federal Bankruptcy Court does not supply information to credit agencies ( EXPERIAN, XXXX or XXXX ) or to third parties like XXXX who is responsible for reporting this bankruptcy. 

The credit reports supplied by EXPERIAN, XXXX AND XXXX reflects a debt being reported by the United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas which is untrue. This bankruptcy was reported by XXXX and needs to be deleted immediately because all debts including bankruptcy can only be verified by the originator or it must be deleted. Attorneys and other case participants use these third-party services to collect and organize case filings in matters in which they are involved. It is this electronic filing which gives third parties like XXXX XXXX access to restricted or sealed case information and documents, typically in violation of court order. 

XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. EXPERIAN, XXXX and XXXX are presenting this information as if it were supplied and reported by the United States Bankruptcy Court for XXXX XXXX XXXX XXXX Texas. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, EXPERIAN and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' And I am opting out of their reporting services.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Credit Collection Services for their flagrant violation of consumer protection laws, particularly as outlined in 15 USC 1681b. It has come to my attention that Credit Collection Services has included the transactional history between themselves as the creditor and me as the consumer in my consumer report. This inclusion of transactional history directly contradicts the regulations set forth in the aforementioned statute. 
According to 15 USC 1681b, a consumer report is explicitly defined to exclude the transactional history between the creditor and the consumer. Despite this clear legal provision, Credit Collection Services has failed to comply with these guidelines, thereby infringing upon my rights as a consumer. 
The presence of this transactional history in my consumer report has had severe adverse effects on my overall credit profile. It has unfairly skewed my credit standing and misrepresented my financial history to potential lenders and creditors, consequently impeding my ability to access favorable financial terms and opportunities.
Product: Debt collection

Phoenix Financial Services LLC is attempting to collect a medical debt. I have not signed a medical release of information. The hospital sold my information to this agency that I was unaware of, and is in violation of the hippa law
Product: Debt collection

Equifax XXXX XXXX XXXX Opened XXXX XXXX XXXX  XXXX XXXX opened XXXX XXXX XXXX XXXX opened XX/XX/ I've called these company numerous of times, asking if I could get this company to remove this collection off of my credit due to a financial hardship and informing the collection I did not have any knowledge of these companies..
Product: Debt collection

this company has XXXX collection on my report and i have requested multiple times to get a validation and this company never responded to my request
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts, they are negatively affecting the ability for me to obtain credit.
Product: Credit reporting or other personal consumer reports

Used this company for several years nothing ever got done paid lots of money for years
Product: Money transfer, virtual currency, or money service

Hello, I am here to report CoinBase because I don't see any other way of resolving this. So I am a XXXX XXXX XXXX and make a living off XXXX. I enter trades on a daily basis and just like any other day I got on XXXX  ( the trading platform for Coinbase ) and entered and position which I was roughly planning on spending a couple of hours in. The following day, XX/XX/2018 I am told that my XXXX is temporarily suspended. After opening a few support tickets and calling them, I get an answer saying my account has been suspended due to a system error on their end and within 4 business days a specialist should review my account and allow me to trade again. Fast forward to today, XX/XX/2018 it has now been over 2 months and they now have stopped answering any of my support tickets and over the phone they only give generic answers and claim there is no supervisor or manager I can speak to. I can provide any type of proof of emails, claims, or anything you may need. The reason I stressed to them that this is a time sensitive issue, is that I'm in an active position, rather than sitting in FIAT ( USD ). This can also be seen as market manipulation and refusing to let me sell, let alone withdraw my funds. I have also participated in XXXX threads where there are thousands of angry customers with similar issues all helpless and not knowing to they can ask for help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report by the FCRA and the accepted STANDARD of metro 2 data field reporting. If any claims have not been proven to be correct, I request that they be removed. I understand that according to federal and state law, it is important to report any allegations accurately and completely. Therefore, I can not accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations as they are unsubstantiated. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported.
Product: Checking or savings account

I called the BMO Harris contact line at XXXX to inquire further about an account I saw advertised on the BMO website at www.bmoharris.com ; their Premier Money Market Account. I did not see a full disclosure of fees for the account. When a representative came on the line, I told her that I was interested in opening a Premier Money Market Account and would like to see the truth-in-savings disclosure to verify fees for such items as minimum balance, number of withdrawals, etc.

The agent put me on hold for approximately 5 - 7 minutes, when she came back she told me to look at the website. I informed her in the time that I was on hold, that I found a disclosure at the following address : XXXX XXXX XXXX but that this disclosure contained information many different accounts, but not for the Premier Money Market Account, and that this was a disclosure was required by law, and I would like to see it before opening this type of account. At this point the representative became very upset and said that I should just " go visit a BMO personal banker. '' I told her that I wanted to either speak to a supervisor, because I understood that a truth-in-savings disclosure must be provided if requested. She stated that all phone calls are recorded, her name was XXXX, and hung up the phone.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Navient increased my monthly repayment fees due to a change in interest rates. Navient notified me via written mail ( postmarked XX/XX/2017 ) AFTER the initial increased payment was already due ( increased payment due date : XX/XX/2017 ). Because of this delay in notification, my payment of that month 's bill was marked as late. I was incredibly confused because the Navient account website shows the payment as being made, but as insufficient for the owed amount. This is incredible unprofessional and I now have a late payment marked on my credit because of Navient 's inability to notify me of a change in terms in a timely manner. This also comes after my request to decrease my payments due to loss of employment and large medical bills. Navient granted the lower Income Based Repayment Plan payments on paper, but never lowered the payment request in written bills or in my online account. This is absolutely outrageous and there is no way to reprimand Navient for their awful service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : 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 XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Bankruptcy : Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX  Bankruptcy : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$280.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Back in XX/XX/2021, I applied for a mortgage with Amerisave and XXXX to refinance my current mortgage loan. I provided all my income info to both lenders. I decided to go with XXXX instead of Amerisave because they could not match the rate and fees. A month later, the loan officer, XXXX XXXX XXXX XXXXXXXX from Amerisave emailed me again asking if I was still working on refinancing my home loan because rates were lower. I replied saying yes I was interested and the rates she gave me was still higher. A few days later she called me again saying she spoke to her VP and was able to get me a {$2500.00} credit towards closing cost. I said ok lets proceed and she told me to pay the {$500.00} application fee ( eventhough ) I already submitted an application ) before we can go any further and the application fee will be credited back at closing. I made the payment because the loan officer made it seem like there is no issue since she got the VP to give me {$2500.00} credit. 3 days after I make the payment XXXX calls me saying my income was too low and did not qualify. We went thru the income info again with the amt of my OT and bonus which was the same info I gave her back in XXXX when I first applied and she said it looked good and will submit again to underwriting. she calls me 2 days later to say I still dont qualify because they can not consider OT and bonus in my income. I was pretty upset because she had all this info at the very beginning so she would have known if I qualified or not and why would she not know they can not include OT and bonus pay in income calculation. I told her fine, please refund my {$500.00} fee I paid. XXXX 's response was she will submit a request for the refund but there is no guarantee I will get it back. it has been 3 months and I did not hear from her again nor got my refund. A few weeks ago got an email and a letter from XXXX and Amerisave saying I am pre-qualifed for a home loan. I felt both the loan officer mislead me into thinking I was already qualified and had me pay the {$500.00} application fee then a few days later tell me I'm not qualified. No other lender charges an application upfront and they will tell you if you qualified or not. I felt Amerisave 's actions are very deceptive especially during this time when money is very tight for many families. Hopefully you can help me resolve this issue and get my refund back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Center Inc of Wyoming took possession of a debt from XXXX XXXX XXXX  on XX/XX/2019 in the amount of {$6600.00} dollars. This account was approved for charity care and recalled by the original creditor with a XXXX dollar balance on XX/XX/2019. Collection center has verified they received this request from XXXX XXXX. 

A dispute was opened with XXXX  and Collection center inc. falsely verified the balance of {$6600.00} to be correct on  XX/XX/2019, when they had documented evidence the account was XXXX dollars and recalled on XX/XX/XXXX. This false information continues to negatively effect my credit score. 

As collection center inc has proof that this account was recalled on XX/XX/2019, I demand that this incorrect information is removed from my XXXX report immediately, or I will have no choice but to escalate to a higher authority.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX - Balance {$340.00}
Product: Credit reporting or other personal consumer reports

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! I am filing all the necessary paperwork as I have recently found out about this. The following accounts need to removed from my XXXX, XXXX, and Experian reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$490.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX  XX/XX/XXXX {$470.00} XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX {$300.00} XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts listed on my credit report, which were reported by your credit bureau. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. I also submitted the required FTC complaint to support my claim that these accounts are not mine. Consequently, I did not receive any correspondence regarding these debts and was deprived of the opportunity to dispute them. Reporting these accounts to your credit bureau without my knowledge or consent constitutes a violation of the law. 

Your lack of cooperation in resolving this matter is unacceptable. I demand that these accounts be promptly removed from my credit report. I anticipate a swift resolution to this issue.