23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed an address I have n't had since the XX/XX/XXXX which tied me to an erroneous collections item, which I also disputed. I received a letter back from Equifax agreeing to delete the address I lived at over 30 years ago with my ex-wife ; however, they said the collection item was still mine. The collection item was with XXXX XXXX and their XXXX XXXX XXXX , XXXX XXXX I explained that for the last 27 years, I lived in XXXX, XXXX with my wife and then moved XX/XX/XXXX to XXXX, XXXX. Unless there is an issue of someone using my social security number, there is no way this account can be tied to be based solely on me living there XXXX some years ago with my ex-wife. I have tried to resolve this issue with XXXX, the collections agency and the credit bureau but to no avail. XXXX XXXX, Executive Customer Relations, XXXX, XXXX XXXX recognized that the social security number on the account did not match mine. However, he said in an email that while their " skip tracing does place you at the account, this may be a case of identify theft. '' Also to be noted, there have been several XXXX addresses and an XXXX, XXXX address added to my credit report since these collection items have been added to my report. I suspect they are now blending my file with someone else 's. In any case, I will continue to pursue this error. I have XXXX so I can ill afford to pursue a legal remedy as my next course of action, but I have successfully gotten help from my Congressional Representative in the past and will likely pursue this avenue next. I 'm hoping though that your Agency can resolve this since your role is to oversee the fair practices of the Credit Bureaus.
Product: Debt collection

comenity bank is reporting a debt that I do not believe is mine. I demand that they verify the debt and send me a copy of all documents asked
Product: Credit card or prepaid card

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below are erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$0.00} XXXX  / XXXX / {$0.00}
Product: Checking or savings account

My backpack and the contabaments along with secure information was stolen and my wallet phone and someone was able to drain XXXX out of my account when I realized I went in bank and pulled out the rest so I would t lose it all now td bank is denying my refund of this fraudulant loss of money
Product: Debt collection

- A XXXX office erroneously sent a debt i never owed to a Quantum Collections in XXXX XXXX, NV - When XXXX tried to collect this debt i told them that this was an error and to contact the XXXX XXXX 
- The XXXX office told them that this was indeed an error and to remove the collection from all credit reports. 
- Quantum agreed to remove this collection but never did - Quantum proceeded to report a collection to all three credit agencies - I have a perfect credit report other than this XXXX collection - I have attached a letter from the XXXX office admitting to the error and asking for any investigators to call them for verification. 
- Quantum contact info is Quantum Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

This is an old account, more than 12 years old and no longer on my credit. They keep calling me and Ive told them to stop. They dont listen and continue to call me. It is also against the law.
Product: Credit reporting or other personal consumer reports

I was told by Experian that the information was incorrect but they wasnt going to correct the information
Product: Mortgage

My loan was at XXXX XXXX who sent me a letter in XXXX stating that my loan modification package was FULLY COMPLETE and received. 
XXXX XXXX took over processing of XXXX XXXX They are XXXX and the same. XXXX XXXX also sent me a letter on XXXX XXXX 2024 that they received my documents. 

I call today since I have NOT HEARD ANYTHING from this lender, and am told by XXXX that I am denied on XX/XX/year> for not sending in a mortgage assistance application THOUGH I have XXXX letters from the lenders ( they are the same ) both confirming receipt of my package. 

I have never received any letters from XXXX  stating I need any more documents and any normal person would assume after receiving XXXX letters from the lenders stating they have the loan modificaiton packages that I would receive an answer NOT THEY DO NOT HAVE MY APPLICATION Furthermore, I am irate and DO NOT want to reapply, I want them to FIND their paperwoerk in their mess
Product: Checking or savings account

On XX/XX/scrub> XXXX XXXX my Credit Karma Money account was frozen without a clear explanation. I was informed that the reason would be emailed to me, but I have yet to receive any such communication. I was also told that my account would be closed and the remaining funds transferred to my linked bank account within 7-10 business days.

On the 10th business day, I called and was told that the transfer had not been processed and would be completed within 48 hours. Today, 48 hours later, the funds still have not been transferred. 

I have called again today and was told that there is no explanation for the delay and that I will be contacted by email from the responsible department. I was also told that there is no one I can speak to directly to resolve this issue. 

This situation is unacceptable. I have verified my identity and confirmed that there has been no fraudulent activity on my account. I am extremely concerned that Credit Karma is deliberately withholding my funds without justification.
Product: Payday loan

calling and threatening me with court and coming to my house. This is the company : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 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. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2700.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding inaccurate information on my credit report involving XXXX XXXX. Despite my earlier dispute, this issue has not been resolved. XXXX XXXX is still incorrectly reporting as a factoring company, when they are in fact a debt collection agency. This misrepresentation is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and truthful information be provided on consumer credit reports. 

Details of the Dispute : Creditor : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Issue : XXXX XXXX  is misrepresented as a " factoring company, '' which is inaccurate. They are a debt collection agency. 

Previous Dispute History : I previously filed a dispute regarding this inaccurate information on XX/XX/year>2024 and XX/XX/year>2024. Despite this, XXXX XXXX continues to misrepresent its status on my credit report. 

Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Furnishers of information are required to ensure accuracy in reporting. By misrepresenting themselves as a factoring company, XXXX XXXX is providing false information on my credit report. 

Requested Action : I request that you immediately remove all incorrect information related to XXXX XXXX from my credit report. Reinvestigate the dispute in compliance with the FCRA and notify me of the results. 
Provide written confirmation that the inaccurate information has been removed from my report. 

Attached are the following documents to support my dispute : A copy of my credit report with the disputed entry highlighted. 
Any relevant communications between XXXX XXXX and myself. 
A copy of my original dispute letter and any correspondence from the credit bureau acknowledging the prior dispute. 

Please investigate this matter thoroughly and provide me with a written response within 30 days, as required by the FCRA. This situation has persisted despite my previous attempts to resolve it, and I expect the CFPB to take the necessary corrective actions immediately. 

Thank you for your prompt attention to this ongoing issue.
Product: Credit reporting or other personal consumer reports

Chex Systems has furnished improper and inaccurate information on my consumer report, this information has been reported without my permission or written instruction. Due to the negative nature of the incorrect information, I have experienced hardship. My rights have clearly been violated because they have failed to validate charge off amounts on XXXX separate accounts. 

The first being XXXX XXXX  Corporation Original Charge Off amount of XXXX is incorrect. 

The second is XXXX XXXX, I did not owe them any money, yet Chex Systems is reporting a {$260.00} charge off, I have requested they furnish validation information such as a contract with my signature on it with both of the banks and they have failed to do so. 
In accordance with FCRA this must be immediately deleted if they can not produce the proper documents within 15 days. 

Inquries found on my ChexSystems report do not belong to me and are unauthorized and unrecognizable, due to this I have attached FTC reports to my complaint as well. These inquiries include Inquirer : XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXX TEXAS, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXX TEXAS, TX XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  LLC # 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; STATE OF MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX, Wells Fargo claims to have made a processing error which caused a judgement to be placed on my XXXX XXXX XXXX. In XX/XX/XXXX, my truck was repossessed from what Wells Fargo called a possible processing error. Wells Fargo sent a check on XX/XX/XXXX, in the amount of {$5600.00} as a compensation for the error they caused. Wells Fargo offered mediation services if I believed that they had not made things right. I Went through the mediation process, which was provided by Wells Fargo, on XX/XX/XXXX, and Wells Fargo falsely represented what took place that caused my illegal and unlawful repossession. Wells Fargo offered an additional {$27000.00} for what they state they did " not believe that the misapplied payment was a factor in causing the repossession, and the Mediation, which was with XXXX  mediator XXXX XXXX, based her judgment on factors Wells Fargo provided that were false. XXXX  mediator offered a proposal of {$28000.00} instead of the {$27000.00} that Wells Fargo offered. I was violated of my consumer rights in XXXX when Wells Fargo illegally and unlawfully repossessed my truck and covered it up, and now in XXXX Wells Fargo is still trying to cover up what they did to me in XXXX. When Wells Fargo had my truck repossessed in XXXX, it caused a rippling effect to which Wells Fargo refuses to own up to. Now, Wells Fargo wants me to except the {$5600.00} plus and additional {$28000.00} or the case closes out. I can not sign any documents when I know I have been violated and continue to be violated. Please Help me fight for my rights. It's not fair for Wells Fargo to violate consumer rights and then they get to decide what they think is fair after having done so. It's been over 13 years that Wells Fargo has been falsely providing information and violating my consumer rights.
Product: Credit card

On XX/XX/XXXX Wells Fargo added {$5000.00} worth of fraudulent cash advances to my account that were supposedly withdrawn from my closed credit card account back in XXXX. They are demanding immediate payment for the fraudulent cash advances. They refuse to identify who made the cash advances, and refuse to admit that they allowed the fraudulent cash advances to be made without verifying them with me.
Product: Consumer Loan

I have a vehicle loan with Ally financial. I have been behind on payments.  XXXX  years ago,  Ally viol ated the FDCPA by contacting me in excess of  XXXX  times in a  XXXX  hour period. Almost immediately thereafter, they would accept my electronic payments, hold them for 30 days and then return the funds to my bank account stating that they suspected fraud. The payments had cleared an d Ally k ept the money for 30 days and then returned it. That action seemed retaliatory to me at the time, but I did as they requested and made payments through  XXXX   XXXX  and  XXXX   XXXX  for a period of time. The issue with that was, that after they returned so many of my payments, the amount I needed to pay was in excess of what I could send in a 30 day period through  XXXX   XXXX  or  XXXX   XXXX . Then, they took my online access to my account away, so that I could n't even see if or when payments were being applied. After the repeated phone call incident, I did not want to speak  to Ally  over the phone any more and wanted to communicate with them in writing, so they took all of my accesses away so that I could not get any information except what they  chose to send me in writing. I have been attempting to get the account back to current for quite some time now by making electronic bi-weekly payments of {$400.00} ( $ 800 monthly which is {$200.00} more than my monthly payment ). Ally has sent me email c orrespondence stating that they have options for me and can help me get my account back to current, but, whenever I respond in writing, I get nothing. I have to call if I want to take adv antage of the options, but, every time I call, I am told there are no options. Last week, I sent Ally a written proposed plan to get my account current and make bi weekly payments of {$500.00}  to get my account caught up. Today, after months of accepting my biweekly electronic payments, they sent a payment back that they had held, again, for 30 days or more. There was no reason for that action. However, the last time I spoke with someone at  Ally they stated that the only reason why Ally could not take legal action against   me was because I continued making those {$400.00} payments. It seems as though this is again, a retaliatory action by Ally to make it nearly impossible for me to ever get my loan current because I am limited in how much I can send via their accepted payment methods. I believe it is unfair for them to hold my payment for 30 days, knowing it has cleared my bank, and then return it saying the payment is fraudulent. Ally seems to be trying to get me in to a position where they can sue me, but I am trying to do every and any thing I can to get this matter resolved. I have been treated very poorly and unfairly by Ally who is a ctive deceptively and also taking retaliatory action against me first, for reporting their FDCPA violations and now, for attempting to come to an alternative agreement for payment to resolve this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a goodwill request to XXXX, XXXX, and TransUnion, seeking the removal of several late payment entries on my credit report as a gesture of goodwill and for verification of accuracy under the Fair Credit Reporting Act ( FCRA ). My request was based on my right to fair and accurate reporting, as mandated by FCRA and related U.S. Code provisions, including : 15 U.S.C. 602 : Declares the purpose of FCRA to ensure accuracy, fairness, and privacy of information in consumer reporting.

15 U.S.C. 1681 ( Section 604 ) : Grants consumers the right to request information used in credit reports and mandates credit reporting agencies to ensure accuracy and fair reporting.

15 U.S.C. 1666B : Establishes rules on how credit information must be reported, allowing consumers to dispute inaccuracies and requiring the removal of unverifiable information.

Despite sending certified letters, I have not received confirmation of receipt or a response from XXXX and XXXX. Additionally, XXXX has continued to request duplicate documents that I have already provided, which feels like an intentional delay and obstruction of my right to timely dispute resolution under 15 U.S.C. 1681i. This section requires credit bureaus to investigate disputes within 30 to 45 days and inform the consumer of the results.

In my original request, I specifically asked each bureau to provide documentation proving the accuracy of each reported late payment, including : Payment records from the creditor showing the due date and receipt date for each payment.

Account statements and billing history for the dates in question.

Communication records regarding any notifications of missed or late payments.

Date-specific verification for each late payment reported. 
I am requesting CFPB assistance to ensure that XXXX, XXXX, and TransUnion fulfill their legal obligation to provide this verification or, if they can not, to remove these items from my credit report. These unverified entries are negatively impacting my credit standing, despite my commitment to improving my financial history. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

Coinbase sent a notification that they would be manually verifying my account ( XX/XX/2024 ). The same day, they sent a notification to my email that my identity had been verified. When I tried logging back in, my password no longer worked, and I was not receiving password reset emails from the reset procedure. I called on XX/XX/XXXX to resolve this, and the customer service agent was not able to verify my account, based on a non-existent email account, despite the fact that I have been receiving notification about this account to said email prior to this problem. I called again on XX/XX/XXXX to try to resolve this again, and the same response was received : they were not able to verify my account, regardless of the fact I have provided email and social security number information. I have more than {$1000.00} invested in this account and need help to access this.