23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

What happened is Ive been accused of someone saying I stole XXXX dollars from them, claiming they never got a bike helmet when I have no idea what that person is talking about, I was sending and receiving money from a associate from XXXX and that person send XXXX I send my associate the amount he splits and stuff like that and then few months ago I get reported for XXXX dollars when I didnt do nothing and I issued a refund to that person and nothing happens after this is not my debt bc I dont have that money
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report and received an email from the credit bureau claiming the disputes were filed by a XXXX  party. However, these disputes were submitted by me directly. I even called to verify my identity, but they still refused to process my disputes. I wasted money on mailing the disputes and sent personal information through the mail to confirm my identity, only for them to fail to conduct a thorough investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the information contained in my credit report must be accurate and up-to-date. 
Data furnishers are not true accurate providers or validators of my deliverable address and can not provide any updates, as their information can be inaccurate and incomplete due to many factors such as fraudulent and misleading information. A copy of my Illinois Driver License is sufficient to confirm my current address. 

The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment , Fields 8-13 - Address, Positions 66-104 ). Inaccurate address information can lead to issues of misidentification and has affected my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having extreme trouble having two items removed from my credit report of XXXX and Equifax. 

Item 1 : XXXX XXXX ( installment loan ) Item 2 : XXXX ( debt collection ) *its worth noting that when you look at my credit report I only obtain loans from XXXX XXXX XXXX XXXX , no one else, especially high risk high apr payday type loans. 

As a person who only receives a fixed income these items are causing me great and irreparable harm. I have repeatedly disputed these fraudulent items with both Equifax and XXXX to no avail. 

XXXX however removed them so I know its possible. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax for multiple inquiries that I do not recognize on my credit report all done within the same day. The dispute was opened and closed as verified on the same day. There was no investigation in to the validity of the inquiries I disputed on my credit report. I would like the description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number.
Product: Credit card

I discovered a fraudulent application for a credit card with Synchrony Bank / Amazon had been submitted in my name on XX/XX/2023. I first contacted Synchrony Bank XXXX Amazon on XX/XX/2023 in order to dispute this application since I did not apply for any new credit at this time. I was told that there was only one application submitted and that Synchrony Bank / Amazon, which was denied. I was told that, " per process, '' the details of my dispute would be forwarded to the credit reporting agency and that it takes between 30 and 60 days before I would see an changes or a resolution. I was also told I would receive a letter in the mail that contained summary information regarding my case. I received nothing in the mail, and, upon waiting the 30-60 days, I contacted XXXX who stated they had not received any information from Synchrony Bank / Amazon regarding my dispute. I contacted Synchrony Bank / Amazon fraud department again on XX/XX/2023, where I received the same information from my previous call, waited the 30-60 days, contacted XXXX, and again was told they hadn't received anything. I just contacted Synchrony Bank XXXX Amazon again today ( XX/XX/2023 ) and was surprised to learn that there were not just one, but THREE fraudulent applications submitted in my name, and that only ONE of the three were reported to XXXX from my first inquiry in XXXX. The agent took action to report the other two fraudulent applications to the credit reporting agency while I was on the phone. I asked this agent for written verification stating what actions had been taken up to this point and he refused to provide such documentation stating that per their policy they can not provide this documentation because these were " only applications, which were denied '' and that they could only provide written documentation if I were an actual account holder. XXXX has stated on multiple phone calls that they are unable to remove the inquiry from my report until they have received the proper evidence from the card issuer, which I am unable to provide since Synchrony Bank / Amazon refuses, and instead insists that they are taking care of it.
Product: Debt collection

This is the Citibank repeatedly calling me multiple times a day regarding my Home Depot account. I have had ongoing issues for approximately a year now with them not getting my statements to me either via paper mail or online. I have spent countless phone calls and emails trying to correct the situation but they do not have their act together on their end. I therefore have informed them to stop calling me and also that I will not be shopping Home Depot any longer.

The calls continue on a daily basis even on weekends and Sundays.
Product: Checking or savings account

I used JPMorgan Chase 's bill pay service to pay my monthly maintenance fees. The bank sent a check on XX/XX/2020 to arrive by XX/XX/2020, but the payment did not arrive to the recipient and I have been charged a {$50.00} late fee. 
I called the CFPB twice - first spoke with XXXX and then with XXXX -- both times I was DISCONNECTED. Both times, I was asked for a call back number " just in case '' but I did not receive a call back, of course! Very frustrating.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX  XXXX XXXX Balance : {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen several years ago through theft of my spouse 's purse. My personal documents were in her possession and I have been dealing with loan accounts and apartment rentals in the state of TN. 

They opened personal loans, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX mobile numbers, and they listed an address on my credit report that is not mine. My date of birth is wrong it shows 1977 Can someone tell me how to get rid of this major inconvenience? I have tried fixing XXXX  XXXX XXXX  issues but they are not cooperative I have sent all information required and they still do not change my record or remove it. XXXX XXXX in TN is another creditor that is not helpful. 

Experian report number XXXX
Product: Money transfer, virtual currency, or money service

I had written this for http : //oag.ca.govXXXX but their capcha only works with IE so I 'll paste it here. It 's about coinbase.com I 've had an account there a little over a year, using it as a bitcoin wallet with mostly no problem. In XXXX 2017 I had 2 transactions where they never actually sent the bitcoin even though their web page indicated everything was completed. I chat with this person regularly and she did n't get her bitcoin, but then she 's also a coinbase customer. I filed a case, waited the specified minimum amount of time. Started looking in their forums and other people were complaining too. So I went to the better business bureau and there were 193 complaints against them. Now I 'm looking into joining a class action lawsuit if I can find one. The dollar amount was only {$80.00} but I 'm retired on Social Security, it 's a significant amount of money to me. The transactions were on X/XX/2017 and X/XX/2017 When I tried to send {$31.00} and it did n't work, I sent {$1.00}, that worked, so I sent {$29.00} which also worked. About a week later I tried to send {$50.00} and it did n't. In my attachment I circled in red the ones that did n't work and in green the ones that did. I do n't have any transaction numbers, etc. for them.
Product: Credit reporting or other personal consumer reports

Yes this company could not provide verification of debt. They have me settled for deletion and has it reporting inaccurately on my credit report. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Here is a list of inaccuracies that were claimed verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Nationwide Recovery about the debit owed to XXXX XXXX XXXX. I have not lived in Georgia where this was " Acquired '' since early in the year of XXXX. I do not have knowledge of this account and do not believe this is my account. I have tried in the past to clear this record up by having my insurance company pay. However the Georgia State XXXX office could not find this visit. Also Again I have not lived in Georgia since XXXX and this was listed on my credit on XX/XX/XXXX. Three years after I moved away. This is not timely in the least. I was told the debit was acquired in XX/XX/XXXX but was not listed until XX/XX/XXXX. Again I do not have any recollection of making any trips in on or around XX/XX/XXXX. I contacted Nationwide Recovery and was told there was nothing they could do to help. They stated the quickest and easiest thing for me to do was dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've pulled my report and find an XXXX XXXX account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.
Product: Credit card

I requested to close my cc account, pay balance in full and refund annual fee of {$89.00}. Barclays Bank refused to refund the annual fee because my request was 5 days late.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased the car for XXXX. Not sure if it included 11 % finance charge as of XX/XX/XXXX it is now XX/XX/XXXX. I have continued to make payments but brought this issue up with XXXX XXXX and a steel show that I owe {$10000.00} in the car that has the card that has passed its loan agreement, which was XXXX years 75 months and its still showing that I owe {$10000.00}. Ive called multiple times and when I call and they said it was sent to a collection agency which there was no reason for that because Ive never missed the payment payments mightve been late. I deferred some payments to the back of the loan during the pandemic years, which they couldnt tell me accurate information about XXXX and XXXX where they were showing I didnt make a payment at all then all of a sudden after talking with them, they show that I was late every month but every month I make a payment things are not adding up and Ive been calling a calling over the last three years and not getting this matter, result of thats why Im asking for a subsidy
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has refused also ignored my notices in the mail to verify the account that I have conditionally accepted with proof. NCB MANAGEMENT refused to acknowledged my certified notice.. i have mailed, sent a cfpb XXXX and XXXX complaint and they refuse to report accurate information on my consumer report.. NCB Management was removed from my XXXX and still remains to XXXX and XXXX. I also didnt recieve the 3 disclosures before furnishing negative report on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called TransUnion and notified then that the following accounts do not belong to me and they are fradugelent. I have sent them a copy of a police report and an identity theft report in the past but they continue to leave these accounts on my report. These accounts do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DeptED/XXXX XXXX, DeptED/XXXX   XXXX, XXXX XXXX XXXX, DepED/XXXX   XXXX. I have provided proof but nothing has been done to stop this information that does not belong to me from being report on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, is reporting several fraudulent XXXX accounts on my credit. These creditors never reported late or current payments on my credit report. Up to recently these accounts begin to appear on my credit report. I would like these account blocked and removed from my credit reports.
Product: Credit reporting

I 've called the company and explained, that I 'm trying to buy a house. Also I 've been on-time for a while can you please help and take some lates off my account the company refused my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to drive for XXXX and XXXX, they Hired Checkr to do a background check. It has been around XXXX days now and they still have not completed the report. I also applied for a company called XXXX and they used Checkr and completed the report in XXXX hours. I can not get a explanation to why it is taking so long for XXXX and XXXX. The company is causing financial loss to me because of the lack of information they are giving me. They will not tell me why it is taking so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and account # XXXX
Product: Debt collection

On three or more occasions, I have disputed the inaccuracy of this debt with the three main credit agencies. XXXX  has deleted the debt from its report. The reporting includes the wrong original balance and improperly added over the limit fees. First, the original approved amount is {$500.00} of which about {$420.00} was used. However, the reporting notes the original and high balance as the same, i.e., {$850.00}. Second, when the account was about {$420.00}, XXXX/XXXX XXXX, added late fees and interest until the account reached {$500.00}. At that point, they added over the limit fees, along with the late fees and interest charges. Next, I have disputed the inaccuracy as I am not liable for the over the limit fees, want them removed, balanced recalculated, and original balance and high balance reported correctly. Last, Calvary is the new owner and I am requesting that they show the line items up to and over {$500.00} that resulted in the account reaching the plus {$850.00} balance. I am uploading some docs but have more.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion + XXXX XXXX, On my XX/XX/2022 it says there is a collection account from XXXX- not only do I not know whom this creditor is- they have re-aged this collection account which is a violation of FCRA compliance. 

Attached to this complaint are : - drivers license - social security card - address - written complaint + screenshot from credit report where its located I demand this account, which does not belong to me, and has been illegally re aged, be removed from my TransUnion credit account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX ( XXXX XXXX. XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), XXXX XXXX XXXX CO XXXX XX/XX/XXXX ), US SM ADMIN ODA XXXX XX/XX/XXXX. XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, 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 Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights!

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C Section 604a A Section 2 It also states a consumer reporting agency can not furnish a account without my written consent These accounts do not belong to me
Product: Mortgage

I received a letter from Loan Depot on XX/XX/XXXX stating this was second and final notice to provide them with hazard insurance for my home or they will buy it for me. I had already uploading it into their website XXXX XXXX XXXXXXXX in XX/XX/XXXX as well as my insurance broker faxing it to them in XX/XX/XXXX. 
I called Loan Depot on XX/XX/XXXX and they informed me they had a copy of what I provided but it was not for hazard/homeowners insurance. Loan Depot has it as " other client preferred '' insurance. I insisted it was homeowners but I kept getting the run around from the customer service rep. I honestly felt my intelligence was being insulted by the nonsense I was hearing. There was no resolve at the end of the conversation. Basically it fell back on me and my insurance broker. I don't know what else to do or how to resolve it. The form Loan Depot has clearly states it's for homeowners and lists all the things covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX/XXXX  ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized. I contact the companies via mail. I received letters stating " You must file the dispute with the credit bureau agency that is reporting the dispute. '' I have reached out several times to the credit bureau as well as the companies and I keep getting told to contact the other. 
Unauthorized Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX