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

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Product: Credit reporting or other personal consumer reports

XX/XX/23 - I receive my Equifax consumer report # XXXX And the report is continue to report South Carolina Bankruptcy Court . And the Bankruptcy court does NOT report to any credit reporting agencies. And I have not give Equifax or XXXX XXXX my written permission to report any my information to any consumer reports. If the XXXX XXXX or Equifax can not provide proof of my written permission, THEN, public report needs to removed from any & all of my Equifax consumer files or reports... PER 15 U.S. Code 1681b - Permissible purposes of consumer reports.. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Money transfer, virtual currency, or money service

I transfered cash and crypto assets from Coinbase XXXX to Coinbase. I then began to purchase coins. I have {$3500.00} that is showing as USD, but is actually in a filled ETH transaction. The {$3500.00} is not showing in my ETH balance and is not accessible. Coinbase has stolen {$3500.00} from me and cost me missed gains.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Student loan

I filed for chapter XXXX bankruptcy relief on XXXX/XXXX/2015. My case was dismissed due to not paying my installment fee by due date. My case was re-opened. During the time that my case was dismissed creditor I am complaining against sent me another attempt to collect debt from a completely different company ( since they were included in my list of creditors ). I went to bankruptcy clerk to amend my list of creditors to include this company although they were originally listed as ECMC. About two weeks later I received an attempt to garnish my wages from the same company but using an address different than the one I included in my amendment. I should not be receiving any attempts to collect as I am under an automatic stay and have also requested an extension to my stay due to my case being temporarily dismissed and re-opened. I have been disputing the validity of this debt for 10+ years and this debt keeps being resold to different creditor companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( address, accounts or Bankruptcy : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

I do not recognize the negative accts appearing on my credit.
Product: Credit reporting, credit repair services, 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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Im disputing account XXXX XXXX XXXX XXXX XXXX, for reporting inaccurate information the original creditors are XXXX not XXXX XXXX, reporting inaccurate balance of {$880.00} instead of {$750.00}, this collection also reporting an payment history which is an error. Failed to mark the account as under dispute within 30 days from my first dispute on XX/XX/. 

Please delete this account. 



I would like to also request my credit report.
Product: Mortgage

Hired XXXX  law firm to assist with a loan modification with FCI Lender services , Inc XXXX XXXX 
XX/XX/XXXX XXXX advised me was approved for a loan modification and 1st payment due XX/XX/XXXX. Payment was made as indicated and on XX/XX/XXXX FCI lender services filed for foreclosure on my home. 
Prior to XX/XX/XXXX, it was XXXX XXXX XXXX  I originally began modification with and they requested I send {$7500.00} to began the loan modification process which I did and this was back in XX/XX/XXXX. So from XXXX to XX/XX/XXXX had been trying to get a loan modification from XXXX XXXX XXXX to no avail. I hired a law firm XXXX XXXX  XXXX XXXX XXXX law firm to assist and equally paid them fees. 
All monies spent and paid to both lender services and still getting foreclosed on. I need assistance please and urgently. Thank you
Product: Checking or savings account

I made a deposit on a account I open up and they closed it and never received my money that I open it up wit h.
Product: Debt collection

I am writing to dispute the inaccurate reporting of late payments on my credit report related to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted these banks and they have acknowledged the lack of documentation supporting the reported late payments. They have agreed over the phone to update my credit file, confirming that the accounts in question reflect a positive review, are closed, or have never been late.
Product: Credit card

wF provided fraudulent data to creditors to justify illegal activity. Its showing I opted out in 2019 of my credit card reporting NEVER past due for my WF credit card account. I never even knew opt out was an option until this year. Wells Fargo has been illegally covering their fraudulent ways to justify closing two of my cards with them. I saw this on XXXX credit reporting and never knew this happened. Why wouldnt I want to show positive credit report history on my accounts? It doesnt make sense to opt out of a card that is in a great standing. Please once again CFPB please look into this. Like I mentioned before I have done business with this company since it was called Wachovia and they should be ashamed. And my phone number they have listed is inaccurate and like I stated I had them since they was called Wachovia this was a blsntdbt behind the scenes racketeering attempt to sabatoge my credit on purpose to give purpose behind them closing my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My attempts to correct some issues on my report have been unsuccessful. I'm asking you to check into this situation because the FCRA mandates that you do so. The following accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

This is the second time I have complained through here Wells Fargo are sneaky XXXX. They know from the ticket created on my original complaints with them the item was accidentally deposited twice because at first they did not show my deposit into mobile banking through the app so I thought it didnt work and tried the atm which they had immediately created a ticket to cancle out the atm XXXX moments after it occurred and I called them to let them know about the duplicate deposit attempt to try to get my cashiers check funds deposited to pay for my car and get home. They held that mozbile deposit long after canceling out the atm thing that got corrected. I was XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX If I was not so established with my checking account I would change banks because Wells Fargo did nothing but hurt me I intentionally and now in order to cover it up responded only with partial and misleading details about my initial complaint. They did not learn from or respect the last class action that was filed against them. They still use unfair buisiness practices. That cashiers check they had already kept {$3500.00} when it was issue and those funds should have been made immediately available but they werent. I actually called repeatedly for days to finally get someone to expedite the clearing of my check that never should have been held. If it showed as a mobile deposit immediately and cleared as it should have in the first place no atm deposit would have occurred erroneously. They know it too! Yet they chose to respond to the last complaint with that was a fraudulent deposit that couldnt be verified and withheld to you that they already were informed by me that it was such and how it happened and that my complaint was that the initial deposit that they chose to deem the real deposit and negate the second atm XXXX., leaving : the mobile deposit deemed the real check ( both a duplicated transaction with the same check number as further more clearly explained how it happed above ). It was a real cashiers check and I should not have had to wait days for the funds that XXXX deposit should have been immediate. They gave no choice to cancle prior to telling me it would need days to clear. Then at first the mobile deposit didnt even show in my account on the app so I thought it glitched and that is when I tried the atm XXXX ad detailed more clearly above. They kept my funds for days without any access to them and left me stranded when they already had my money it was a cashiers check. Mobile deposit made me upload photos that showed what it was and their app should have been able to verify the mobile deposited cashiers check that was funded by their bank and they had the funds already because it was a pre funded certified check that cost {$10.00} to have immediate funds available in that check!
Product: Money transfer, virtual currency, or money service

I was using Zelle to make transfers that went to the wrong account with no ability to make changes. there was no option to verify transactions or disclosures to ensure safety of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX/XXXX   XXXX {$300.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$750.00}
Product: Prepaid card

On XX/XX/year> @ XXXX I went to XXXXXXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to withdrawal Rent money from the ATM. There were no signs saying the ATM was down or having any issues. I put my card into the atm like normal and proceeded to withdrawal {$300.00}. The atm did not give me the {$300.00} cash but did show on my bank. I waved over a worker who told me that I would need to call XXXX XXXX the owner of the atm ( XXXX ) at XXXX. After speaking a lady with XXXX XXXX for XXXX and XXXX. She stated that I would need to call my bank and ask for a charge back. I then called Chime ( stride bank ) XXXX. I was on the phone with the lady for XXXX and XXXX secs. She told me she would have the issue resolved and the money would be back in my account on XX/XX/year>. On Tuesday XX/XX/year>, the money was not yet back in my account. I called Chime again to see what the issue was. The man I spoke with said he has no record of me calling and that there was not a dispute for my claim. I did have to go through and explain what had happened. I submitted the screenshots where I has called both the XXXX XXXX and chime with dates and how long I was on the phone. I did also submit the screen shot from where it was showing on my bank. On Thursday XX/XX/year>, I got a notification saying my dispute was denied due to lack of information. I called chime at XXXX and was on the phone for XXXX and XXXX. At this point I did reopen my claim. The lady said that it would take up to 10 business days before I would know anything. I asked if there was a way they would send me an email to give me a reason and the work they did for this investigation. I have not yet received this email. I Called the XXXX number back again at XXXX was on the phone for XXXX and XXXX sec. The man I spoke with checked notes and stated there is an open case but nobody has reached out from Chime regarding this case. I called Chime back again at XXXX was on the phone for XXXX and XXXX to see why nobody reached out to XXXX XXXX but they denied my charge back. He could tell me why but did take the case number and the XXXX number to add to the notes for open case. He again said it would be up to XXXX business days before I would know anything. 

On Tuesday XX/XX/year>, I did go to XXXX XXXX Police station to file a report. At this time, I am waiting for this to be finished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint to you today to request once more to remove the fraudulent accounts and information that are being reported on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number XXXX XXXX In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Below is the list of accounts and information that you should have removed a long time ago. lease let me know if you require anything else. 
XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Also, you have failed to send me copies of proof of verification from your alleged " investigation ''. If you truly verified these items by means of proper investigation, you should have sent me any supporting documents. Failure to deliver these document should have resulted in the deletion of the disputed items.
Product: Credit card

US bank is reflecting on my credit report that I was 30 days late in the month of XX/XX/2015, when I actually paid off the account on XXXX/XXXX/2015 before the payment was even due. I need this account to be updated on my credit report as being never late and the 30 day late removed as it is stopping me from purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX (  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) is reporting a collection to my credit report that I am not liable and that I have no knowledge of from their company. 
XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of {$710.00}. Last Reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. They refused to remove this account, and they also failed to provide validation of this account when I inquired for validation not verification of this account. 
XXXX : Date open date shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXXXXXX CB INDIGO is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. 
XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXXXXXX XXXX : Date open shows as XX/XX/XXXX. Last reported XXXX. Date last active shows XX/XX/XXXX. Date of last payment : XX/XX/XXXX. 


XXXX : Date open shows XX/XX/XXXX. XXXX reported on : XX/XX/XXXX. 
Last date active : XX/XX/XXXX. Date of last payment : XX/XX/XXXX.
Product: Debt collection

I was contacted twice in two day 's time by Superlative RM. At both points of contact, the agent and his superior were demeaning, derogatory, questioned my intent to resolve, and accused myself and my partner of having unreported funds with which we were capable of resolving the debt. They pushed unnecessarily for closure of the debt, while I insisted on a 7-day time frame with which to discuss financial means to close the account. 

During the initial call, my assigned agent became so insistent and derogatory that he worked himself in to a frenzy and begun yelling. His supervisor curbed his enthusiasm enough to not yell, but was almost as aggressive and demeaning. 

I ended the call with a request for electronic confirmation of agreement to settle at which point i would return a call to follow up... which was never sent. 

They called the following day asking why I hadn't reached out, with veiled accusation of avoiding the debt. Again, pushing for immediate settlement, and dismissing reasonable request from myself and my partner. 

If this is common practice for this company, i will avoid interaction with them at all cost.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have found that inaccurate information continues to be reported, despite my previous disputes. The bureaus have verified this information as accurate, but I have provided proof with the attached letter showing it is incorrect. This ongoing reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation of disputed information.

Continuing to report these inaccuracies without proper verification is also a violation of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, which requires furnishers to update and correct any information they provide to credit bureaus that they know or should know to be inaccurate. 

I respectfully request that this inaccurate information be removed from my credit report immediately, as the evidence I have provided shows it to be erroneous. Failure to remove this information could result in further violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and there is someone else 's information reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I attempted to dispute a unauthorized inquiry from XXXX through Experian and they never responded. I have a fraud alert on my credit file and my credit file was locked I never applied for anything from XXXX. XXXX stated they didn't have any information and for me to contact Experian. It's been months and I have yet to get this unauthorized inquiry deleted. Experian needs to delete this fraudulent inquiry off my credit file indefinitely.
Product: Debt collection

My credit report shows that I received two separate loans, on the same day, from the same company. This is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 3 years of having and paying on time my account is fine and paid by bank draft. The salesman forged my name on a lady I referred to them contract and was confirmed by  5 emp loyees at the company. It was sold to perfection collection and they will not accept my explanation. Was told by  XXXX   XXXX  at perfection collection that if I had the company call and confirm this he would remove me from collection. The security company removed my name from contract and we called on  a 3 w ay phone call with a security representative the employee at perfection said they bought the account and would need more and that I should file a forgery report with local police. The security company representative asked if he would send a letter stating that would say what he had just discussed with us and get my name off the collection report. Perfection collection employee took my email information and hung up on m y 3  way call. I still do n't have the email and do n't think they will My name is  XXXX   XXXX  and security company is   XXXX   and   XXXX   employee that was on the  3  way cal trying to help me was  XXXX .  XXXX  has acknowledged the forgery b y 5 differ ent employees. I feel they will handle the salesperson for the forgery and appreciate there willingness to help get this cleared from my record Perfection Collection will not listen to me or  XXXX  and do n't do what they tell you to do.