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

On XX/XX/year>, I reviewed my credit report from Experian and discovered multiple inaccuracies related to my personal information, including incorrect names, addresses, phone numbers, and an incorrect spouse/co-applicant listed. Specifically, I noticed several variations of my name that should not be associated with my credit file. Similarly, multiple outdated or incorrect addresses in different states, as well as phone numbers Ive never used, were listed on my report. 

I promptly contacted Experian and initiated a dispute, requesting that they remove the incorrect information and update my file to reflect my accurate name, address, and phone number. These inaccuracies are leaving me with a credit report that misrepresents my identity. This unresolved issue has caused confusion and could potentially affect my ability to secure credit or loans. 

To escalate the matter, I filed this complaint with the CFPB to ensure my rights under the Fair Credit Reporting Act ( FCRA ) are respected. The FCRA requires that credit reporting agencies maintain accurate and verifiable information, and I have the right to dispute incorrect entries and receive proper verification. 

I request that Experian promptly remove all incorrect entries and provide written confirmation of the updates to my personal information. Additionally, I seek confirmation of the sources they used to verify the disputed items, as required under the FCRA, and a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, who lived with me for 6 years, stole my identity during her stay. She made unauthorized copies of my Social Security card, drivers license, and birth certificate, then used them to open numerous accounts in my name without my permission. I am doing everything I can to resolve the financial mess she created, but her actions have left me with significant debt affecting my credit report. Ive filed a police report, but there is little else I can do as she is currently untraceable.

After extensive research on the best steps to take, I am filing this CFPB complaint to request that Experian, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent information on my credit report resulting from identity theft. This action must be completed within XXXX business days of receiving this complaint, as required by the law. I have once again provided the relevant information about the affected account below : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 INQUIRIES RESIDENT VERIFY Date of Inquiry : XX/XX/XXXX DELTA COMMUNITY CREDIT U Date of Inquiry : XX/XX/XXXX I do not recognize these accounts/inquiries and did not authorize them. Due to the malicious actions of a former roommate, I am now left dealing with the impact of her fraudulent activities. These accounts and inquiries were not made or initiated by me and are the result of identity theft. I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ), along with several FTC Affidavits previously submitted to Experian, as evidence from the XXXX Federal Trade Commission confirming that these inquiries are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XX/XX/XXXX, Acct # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 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. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$1700.00} Closed OR : XXXX XXXX  XXXX XXXX  Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX or XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX  Comenity Bank contacted my mother by phone who does not live with me about my debt. 
They also contacted my sister who does not live with me by phone about my debt. They were both upset at how they were able to get there numbers and be harrassed by this company.
Product: Debt collection

I have a debt with Navient Dept. of Education because I had a deferment and I divorced an moved to a different part in PR. During that period they use Debt collectors to find me. XXXX XXXX has now my account but they give it to XXXX. XXXX is asking me to make 9 payments of {$5.00}. They asked me for information that I am not willing to give since I am able to pay monthly to Navient. I asked them to please return my account to Navient or XXXX XXXX so I can start making my monthly payments but they refuse. I even tried to tell them that I can pay the {$45.00} dollars in one payment to make this fast and they refused. I am able to make the monthly payments to Navient again ... I don't like people asking me and harassing me with calls if I don't agree with them with a reason and it should be another company ( XXXX XXXX ) the one contacting me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

My complaint is with coinbase.com. About 2.5 years ago opened an account and purchased some virtual currency. I did try to access my account for about two years, until X/XX/17. During that time Coinbase had added new security features for account access. ( 2 Factor authentication. ) I was unable to access my account. I corresponded with XXXX and Coinbase by e-mail ( there is no telephone support ) until X/X/17 before I was able to access my account. ( Over 60 e-mails! ) Once I was able able to do so, I purchase set a monthly purchase for additional virtual currency. Two days ago I attempted to access my account and, again, was unable to do so due to the 2F authentication. I have contacted Coinbase tech support through their web site, but have not yet been contacted. The first time I was somewhat patient ( perhaps more than I should have been ) since I had not accessed my account for two years. But now I am in the same situation after 5 weeks. I NEED access to my account! Coinbase needs 1 ) to provide phone support to resolve these issues in a more timely manner ; and, 2 ) needs to reevaluate their account security methods. Security is fine if it prevents unauthorized access. But it is pointless if it also prevents authorized access by the account holder.
Product: Student loan

I attended XXXX XXXX XX/XX/XXXX -XX/XX/XXXX ( a XXXX XXXX ). All of my loans were forgiven by XXXX Acct. # XXXX in XX/XX/XXXX. Genesis should have been included in this. They need to stop sending me notices as I am XXXX and will not be paying back any loan unless I receive help from the government myself. Please check this out and inform me of your findings.
Product: Vehicle loan or lease

Beginning in XX/XX/XXXX, I pulled my report to find ways to improve my credit score. As listed on my credit report, XXXX XXXX XXXX XXXX XXXX had issued a repossession with an open date of XX/XX/XXXX, first report date of XX/XX/XXXXand a status date forXX/XX/XXXX. I was a co-signer on the contract with my mother, XXXX XXXX. The original amount of the loan was for 65 months for XXXX . A new balance was reported as ofXX/XX/XXXX of XXXX $ .The car was originally totaled back in late XX/XX/XXXX. There were phone calls made to XXXX at the time of the accident to voluntarily repossess the vehicle, as early as XX/XX/XXXX. The car continued to sit in my parking lot wrecked until late XX/XX/XXXX, early XX/XX/XXXX. There was no correspondence from the company regarding any derogatory balances or communication confirming the repossession/towing of the vehicle. It was as if the car had disappeared from our lives, until just as recently as XX/XX/XXXX, where XXXX has been harassing my mother regarding payment ( although the car is totaled ) and has not sent any formal mailing obligating her or myself to this debt.
After sending my first dispute at the end of XX/XX/XXXX, I received a letter back from Bridgecrest, XX/XX/XXXX stating that they could not process my dispute because they did not have an updated/current address for me. After another letter was sent, ( still listing a current address ) I received a response dated for XX/XX/XXXX. It had my mother 's name listed this time, with the complete wrong address. ( The city and state did n't match the street address. The KY post office had to write the proper address info outside of the envelope to ensure it would be received. ) I then sent a 3rd letter regarding my request to show proof and validity of debt dated for XX/XX/XXXX to the credit bureaus directly, asking for proof of this debt. I only received respsonses from all 3 bureaus with statuses left unchanged and refusal to dispute further.
I have since contacted my local law enforcement to determine if there was a formal repossession report filed with my county by law, and of course, there was no record indicating this event.
Please refer to the article you all had published, concerning XXXX and their debt collection practices. The parameters of this civil suit matches my situation and I am looking to seek a solution ASAP.
https : //www.consumerfinance.gov/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft. I sent XXXX, Experian and XXXX a copy of my Police report & FTC report, and they started a dispute removed accounts, but didn't remove XXXX  XXXX Bankruptcy. After the dispute was finished they reinserted accounts was was removed and refocused to remove the Accounts. Here are the account the refused to remove and reinserted on my credit report after the dispute. 
XXXX  XXXX BANKRUPTCY DICHARGED - ACCOUNT # XXXX - OPEN DATE XX/XX/XXXX XXXX XXXX - ACCOUNT # XXXX OPEN DATE XX/XX/XXXX - BALANCE {$990.00} XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX - BALANCE {$2200.00} XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE XXXX XXXX, XXXX BALANCE {$6400.00} XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX - BALANCE {$12000.00} this is also the address they refused to remove from my credit report that is fraud. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

This debt was placed on my credit report from JNR ADJUSTMENT COMPANY IN THE AMOUNT OF XXXX WITH THE ORIGINAL CLIENT BEING XXXX XXXX. I DID NOT SIGN ANYTHING WITH JNR ADJUSTMENT COMPANY
Product: Credit reporting or other personal consumer reports

I recently sent out letters to the Consumer Reporting Agencies about inaccurate information on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. They did not follow account level documentation because these items are still being reported without my consent, which leads to identity theft. I have attached my FTC Report again. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine. 

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer.
Product: Money transfer, virtual currency, or money service

Cash app took my money and tried too call them and I got nothing out of it they took my money
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband informed me that XXXX XXXX - XXXX verbally denied his application for rental with their property management company because of the reporting of an adverse account on my credit report. I never received any written notification of this decision ; but subsequently requested a copy of my credit report to investigate this issue. 

I never took any action to apply for rental from this company, nor did I at any time give verbal nor written consent to this entity to perform a credit history inquiry on me using my social security number. 

Further, I made an in person visit to the XXXX XXXX rental office and requested a copy of the application that my husband filled out. I was advised by both XXXX XXXX and XXXX XXXXXXXX XXXX that they have no such application on file under my social security number or name.
Product: Credit reporting or other personal consumer reports

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report per 15 USC 1666B ( a creditor may not treat a payment on a credit card as an open ended consumer credit.
Product: Debt collection

Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise will you please remove from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been recently applying for a mortgage. I have gone through 3 lenders, and they are not able to pull my Equifax information. I have tried to speak to Equifax over the phone multiple times, but they say there is no issue on there end. I even went ahead and removed a fraud alert from my Equifax file, however this does not seem to help. 

Additionally, I have disputed 2 XXXX XXXX loan accounts that I did not recognize on the report. I filed a FTC report for those accounts, however Equifax has still failed to remove those accounts. 

I have attached confirmation of the fraud alert removal as well as the paperwork for the accounts I do not recognize.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My last five automatic monthly payments have been misapplied by Discover. Their official policy on their website states that payments will be applied in the following order : late fees and penalties, interest, principal. However, my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to one of my four loans ; and my XX/XX/2018 payment was only applied to one of my four loans. 

This is in direct violation of Discover 's policies and is not in the best interest of the borrower as it is an inefficient payment method that increases the amount owed for the borrower. Because some of my loans did not have the payment issued towards its interest or principal, my credit score was affected because I had a line of credit with an increasing balance. 

I called Discover on both XX/XX/18 and XX/XX/18 reporting the error that they failed to identify. They assured me both times that the error would be addressed promptly but they have not done so. Both times they could not provide a reason for the error.
Product: Credit card or prepaid card

I have been a customer of Citibank with excellent credit for approximately XXXX yrs. and seldom had any issues using my 4 credit cards until this year. Starting around XXXX this year, XX/XX/XXXX  my Citibank credit card ending in XXXX was declined for my XXXX needs at the local XXXX XXXX XXXX. I tried 3 of my Citicards at 2 different registers all having XXXX  in available credit and all were denied. This was very embarrassing as this was a rural local store and almost everyone knew me heard all my cards continue to get declined. I called Citibank immediately and was first informed my cards info was incorrectly inputted, which was not the case as the sales agent had used the card reader at 2 different registers to insert my cards. Then I was transferred to the fraud department, who advised me there was a fraud issue with XXXX XXXX  and that they would remove the lock on my cards and promised me it wouldn't happen again. It has happened repeatedly every single time since then that I've tried do use my Citibank credit cards at my local XXXXXXXX XXXXXXXX. I always call them complaining and get the same response as above. They promise it won't happen again and it does over and over again. The last time I called them for my card being declined at XXXX XXXX, XXXX, XXXX, again was around XXXXXXXX XXXX XXXX. This time the agent informed me that the reason was that the XXXX XXXX  were refusing to allow the use of their credit cards at their stores. Is this legal for Citibank to issue cards not being accepted where it states they are accepted My? 
My credit card ending in XXXX, was declined again yesterday at the XXXX XXXX XXXX in XXXX, XXXX. In the amount of {$42.00}. 
This has been horribly inconvenient and embarrassing as these are the only stores for me to shop at in my local rural community. 
Is this legal for Citibank to continue to decline my credit cards when the cards are valid and should be accepted? 
Thank you for assistance!!