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

Attn : Customer Relations Department To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re- investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
[ Creditor/Collector Name, Account Number, Reason, & Instruction ] Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX / XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights . 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 a account without my written instructions15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I XXXX follow up. 
The creditors address and telephone number The date you contacted the individual furnishers of information. 
The method of communication you used to verify the information The documentation used to verify the dispute I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX  documents along with proof of identification to XXXX and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to XXXX to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for Experian, and XXXX pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Corporation has reported a Kohls credit card to the consumer report agencies that's not allowed. A consumer reporting agency is defined under 15 USC 1681a ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

15 U.S. Code 1681a - Definitions ; rules of construction States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term person is defined under 15 USC 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Well all of being said and proven in the congress federal law a Kohls credit account should not be reported to the consumer reporting agencies such as XXXX, XXXX, and XXXX. 
kohls is indeed violating this law I would advise them to go back and read these laws and educate themselves I can't make any of this up. They are reporting an illegal credit card account on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX  XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS DATE:XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX G SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX  XXXX XXXX XXXX, XXXX XXXX , fl XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning erroneous names and addresses on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023 on XX/XX/2023 i lost my wallet thats its showing hard Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY 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 XXXXXXXX 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

I pulled my report and there is still damaging information being reported to my consumer report. which is clearly a violation to my rights. I thought that 15 U.S. Code 1681e ( b ) my credit report should be reporting with maximum accuracy. Isn't that the law?

I have been disputing for some time now and I get no response isn't that a violation under 15 U.S Code 1681i ( a ) a reinvestigation of my consumer report was never concluded. 

remove before litigation required
Product: Debt collection

I am writing to dispute an inaccuracy on my credit report. I am filing a complaint with CREDENCE RESOURCE MANAGEMENENT they are hurting my credit because of there an inaccuracy on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX  XXXX, Co XXXX. 

I recently pulled my report and noticed an inaccuracy in the information being reported by XXXX. Specifically, I am disputing the following : -Incorrect account statuses : The account is reported open account and is also in statuses in collection. 
-15 U.S.C 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- -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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 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 XXXX XXXX XXXX XXXXHas violated my rights
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To Whom It May Concern : Re : Demand to Remove Incorrect and Obsolete Address Information Under the Fair Credit Reporting Act ( FCRA ) Social Security Number : XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally request the removal of obsolete and incorrect address information from my credit file. According to the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information and to investigate and correct inaccuracies within a reasonable timeframe. 

The following address ( es ) are no longer valid or associated with my ability to receive mail and must be removed from my credit report : XXXXXXXX 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 The following names are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers are incorrect or obsolete and must be removed : XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation upon receiving a dispute regarding the accuracy or completeness of any item in a consumers file. Additionally, 15 U.S.C. 1681e ( b ) mandates that you adopt reasonable procedures to ensure the maximum possible accuracy of the information reported. 

I am providing the following documents to verify my identity and current address : 1. A copy of a government-issued ID. 
2. A recent utility bill showing my current address. 

I request that you update my file to reflect only my current address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Please complete this correction within XXXX XXXXXXXX, as required by the FCRA, and provide me with written confirmation that the outdated address ( es ) have been removed from my credit report. If you fail to address this matter appropriately, I may be compelled to escalate this issue by taking other legal action. 

Should you require any additional information to process this request, please contact me at XXXX or via email at XXXX. Thank you for your immediate attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected. 

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

PLEASE BE ADVISED THIS IS MY 2ND AND FINAL ATTEMPT IN TRYING TO RESOLVE THIS ISSUE. XXXX, XXXX, AND EXPERIAN WAS NOTIFIED OVER 30 DAYS AGO ABOUT THESE FRAUD RELATED ACCOUNTS DUE TO IDENTITY THEFT BUT YET HAS IGNORED MY DISPUTE. ACCOUNTS XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, WERE ALL INCLUDED ON MY MOST RECENT IDENTIITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION. ALL THREE OF THE MAJOR BUREAUS OR CONSUMER REPORTING AGENCIES HAS NEGLECTED THE FAIR CREDIT REPORTING ACT SECTIONS 605B, 609, AND 611. I HAVE NEVER RECEIVED ANY MONETARY RELIEF, MONEY, GOODS, OR SERVICES ASSOCIATED WITH THESE ACCOUNTS, I HAVE NO RECOLLECTION OR RECALL OPENING ANY OF THESE ACCOUNTS WHAT SO EVER. THESE ACCOUNTS HAVE BEEN THE DIRECT RESULT OF IDENTITY THEFT AND I HAVE BEEN A VICTIM. I HAVE ALSO INLCUDED FRAUDUELNT ADDRSSES THAT HAVE YET TO BE UPDATED OR REMOVED AS PER MY REQUEST 30 DAYS AGO. THIS IS A CLEAR VIOLATION OF THE LAW AND THE BUREAUS MUST BE HELD LIABLE.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed multiple inquiries from your company that I dont recall authorizing. This has me really concerned, as theyre affecting my credit score and causing unnecessary stress.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent 1st dispute letter to verify 2 Accounts ( Attached pictures below ) Came back Verified without proper investigation. On XX/XX/XXXX I sent out 2nd dispute letter via certified mail again for those 2 same accounts ( Letter attached below ) They both came back verified. Today on XX/XX/XXXX I went back to check my credit report on Experian & I'm seeing no changes Experian is showing different reports on the 2 accounts ( Photos Attached below ) from XXXX XXXX XXXX. That lets you know that they didn't DO A PROPER INVESTIGATION TWICE. This is affecting me from getting new loans due to Experian false Investigation.
Product: Money transfer, virtual currency, or money service

Company = Coinbase Website = https : //www.coinbase.com Problem = can not access Coinbase service and my money Hi, here is what happened to me : - XX/XX/XXXX I requested support to Coinbase since I lost my secret key ( 2FA ) to access my Coinbase account - so I followed their instructions -XX/XX/XXXX I successfully completed their procedure to verify my identity. And they sent me an emails saying : " Please allow 48 hours for your TOTP 2-Factor Authentication to be disabled before signing in '' - Today XX/XX/XXXX ( after 17 days ) I'm still waiting ... .no answers from Coinbase support despite my emails. I'm still not able to use my Coinbase account and so my money there.

Thanks fro your support.

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company on my credit report that isn't mine is XXXX XXXX. The date is XXXX XXXX XXXX  and last XXXX numbers of account are XXXX. There are XXXX different loan amounts one for {$2100.00} and another for {$3500.00}. I have never had a loan with this company and they are not taking it off my equifax report.
Product: Credit card

I was recommended a no interest loan by my XXXX provider to cover the cost of my procedure. The service was provided by Syncrony Financial/CareCredit and I enrolled XX/XX/XXXX for a 24 month, no interest promotion on a {$5600.00} line of credit. {$5400.00} of that was used for the procedure. I enrolled in auto payment option on XX/XX/XXXX. 

From that point forward, I was sent emails stating my upcoming payment amount, upcoming payment date, and my total balance amount. Autopay took care of the rest. 

On XX/XX/XXXX, with zero warning, I was charged {$2900.00}. The full amount of my 24 months of interest, at a nearly 33 % interest rate and have been being charged monthly interest since. The interest was not on my remaining balance, but the total amount over the last 24 months. Again, there was no warning or reminder that the deadline was approaching. I have already paid {$3000.00}, but I now have a balance of {$5300.00} on a loan that was supposed to only be {$5400.00}. My monthly payment went up from {$85.00} in XXXX to {$180.00}, with a monthly interest charge of ~ {$120.00}, in XXXX, following the {$2900.00} end of promotion interest charge on XX/XX/XXXX. 

I reached out to their support team on XX/XX/XXXX asking what happened and they reminded me of the terms of the 24 month promotional deal. I told them I would repay the balance in full within 24 hours if they waived the interest. They refused. I asked to start a formal dispute and they said I can not file disputes on interest charges. I asked them why they sent no warning or notification and they said its on the statement only and they do not send reminders. I was signed up for paperless billing and auto payments. The monthly emails they send out say the amount remaining on my loan, the upcoming payment date, and the upcoming payment amount. What reason did I have to log in and find my statement and inspect it each month? They designed this system in bad faith. 

These loan terms are incredibly predatory. My balance is now just as high as it was when the loan was issued to me, despite me paying every month, on time, for the last two years. The auto payments went down every month, since my remaining balance was decreasing. Now I am trapped in a very high interest loan and my attempts and repaying the loan in good faith, once I realized what had happened, were rejected.
Product: Credit reporting or other personal consumer reports

My persosn information is a part of a data breach and the companies listed need to be blocked and deleted immediatley. 
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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX 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: Consumer Loan

I responded to an online ad from Lending tree who advertised a debt consolidation loan, low rate, get money as soon as possible. I took out the loan in XX/XX/2015 ( see attachment ). Now almost two years later, I have only paid a little under {$7000.00} ( see statement showing the interest rate and the amount going towards interest with approximately 38 months left to pay. With all of the past issues with the mortgage loans, how on earth can a company be allowed to bait and switch consumers into these type of loans. is there anything I can do?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXXXX/XX/year>
Product: Debt collection

Hello, I have submitted several online disputes via XXXX, XXXX XXXX  XXXX. I have also wrote several letters asking them to verify this debt. They mailed me a contract that is lease but its not readable at all! The lease is smeared and you can't read ANY OF THE WRITING OF THE LEASE. I have included in every dispute that I have submitted online and via letter that this isn't my debit! This lease belongs to XXXX XXXX XXXX and  XXXX XXXX XXXX they are siblings. I repeat, my signature is no where on the lease that was mailed XXXX  me on top of that the lease they mailed XXXX me can't even be read and belongs to  my siblings XXXX XXXX XXXX and  XXXX XXXX XXXX! I have tried explaining this over and over via disputes. I have disputed this so many times online they wont let me dispute it anymore. That is against the law. I really need your help, please explain to this company this isn't my debt and I want this removed from my credit reports ASAP. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

I want these inaccurate accounts to be removed! I have reviewed my credit report and saw these accounts being reported and have my reputation damaged because of this.