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

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX - Account No. : XXXX XXXX XXXX XXXX Account ending with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. - Account ending with XXXX, XXXX, XXXX, and XXXX XXXX - Account ending with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewal of my consumer report with all three credit reporting agencies, XXXX, Transunion, XXXX, I noticed that there are unauthorized inquiries on my consumer reports. I did not give any written consent or instructions as required by law according to 15 USC 1681b ( a ) ( 2 ).

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 circumstan
ces and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Unauthorized inquiries are as follows : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  Also, there are inaccurate addresses being reported. 
Inaccurate address are as follows : XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas, XXXX XXXXXXXX XXXX XXXX XXXX Texas, XXXX I am providing a copy my driver license and water utility account for identity and address verification, and a copy of my FTC identity theft report XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX are reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court. 

Specifically, XXXX, Transunion and XXXX are relying on XXXX XXXX, not the Court, and are reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by XXXX XXXX, not the U.S. Bankruptcy Court. The information is different and inaccurate. 

The credit reporting agencies are using information that XXXX XXXX purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to XXXX XXXX, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.
Product: Money transfer, virtual currency, or money service

I am an XXXX citizen and resident. I was in XXXX in holiday and the company, Coinbase, closed my account. I provided them with my passport and my residence documents, explaining them that it was just an holiday and as a XXXX citizen I am allowed to go to XXXX. They closed my account, took my money and never replied to me. It 's been over 20 days and I am very worried because I lost my money and they do not want to reply to me. I wrote several emails, provided all the proper documents and asked several times to be able to receive at least an answer, but no one from their team wants to reply to me. I tried also on social media but no results. As a XXXX and XXXX citizen that has proved not to have any business or neither residence in XXXX, I thought it would be easy to solve my problem, but they do not want to resolve it. In the meanwhile they took my digital money. This situation is incredibly frustrating, providing all the documents and proof did not help. Thanks
Product: Debt collection

EXPERIAN is a CORPORATION and a corroding to 15 U.S. Code 1692c - Communication in connection with debt collection It is against the Law for a CORPORATION TO CONTACT A CONSUMER. EXPERIAN emails at all kinds of disrespectful hours of the night or morning, ESPECIALLY after I file a report such as one from CFPB, and now XXXX has joined their party, Ive requested for the unlawful activities to be ceased and desist but instead I get flooded with letters informing of a monthly payment in order for them to stop I would need to pay them monthly. This is XXXX at its finest and it feels like CFPB is working with these XXXX XXXX XXXX XXXX, that call themselves a CORPORATION, EXPERIAN XXXX XXXX continue to break several codes, laws, and statuettes on an hourly basis and gets no repercussions for their ILLEGAL behavior. Multiple complaints of violating USC/UCC I demand monetary relief by 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] - ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX REF XXXX & XXXX XX/XX/year> Dear Sir/Madam, I am writing to dispute the validity of the debt you are attempting to collect from me. I am aware that under the Fair Debt Collection Practices Act ( 15 USC 6801 ), I have the right to request validation of the debt and to dispute any inaccuracies. I am also aware that under the same act, debt collectors are required to provide me with certain information regarding the debt.

I have not received any verification of this debt from your agency, nor have I been provided with any documentation proving that I owe this debt. Furthermore, I have not been provided with the required notice of my rights under the Fair Debt Collection Practices Act, as mandated by law ( 15 USC 6802 ).

I am requesting that you cease all collection activities until you can provide me with the necessary verification of the debt and documentation proving that I owe this debt. Failure to comply with these requests will result in further legal action being taken against your agency. 

I expect a prompt response to this letter and a resolution to this matter. Please provide me with the requested documentation within 30 days of receipt of this letter. 

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

XXXX XXXX falsely claimed to a collection agency XXXX XXXX XXXX that I owe them {$100.00} from 2015 citing an account number that is not mine. I still have a different XXXX XXXX account number with a zero balance on automatic payments. I believe XXXX XXXX is either negligent or engaging in illegal business practices to try and force me to pay them money they are not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent. 
Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar. 

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. 

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.

15 U.S.Code 1681a ( 2 ) ( A ) ( i ) XXXX XXXX XXXX XXXX agreed to not share my nonpublic information with non-affiliate. Experian is not an affiliate of XXXX XXXX XXXX XXXX. 

15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681b ( a ) ( 2 ) 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ) 15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1602 ( l ) 15 U.S.Code 1602 ( j ) 15 U.S.Code 1644 ( a ) 15 U.S. Code 6801
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally got equifax to temporarily lift the freeze on my credit file confirmation # XXXX but i still can not obtain a copy of my free credit report as they have still got the system asking me questions about things that don't pertain to me. the verification questions do not pertain to me. I do not have any mortgages or loans. they will not provide me with a credit report and their online system does not recognize my information at all. It never works. i don't believe they have lifted the freeze but their system states it was lifted and provided me with the above confirmation number. i don't know what equifax put on my file but can not verify the answer to the questions that do not pertain to me. none of what they are asking me has been and should not be on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 an account from Affirm appeared on my credit report with a balance of {$240.00}. I started a dispute with XXXX to resolve this issue because this balance was paid in full and loan was officially closed on XX/XX/2023. I also provided XXXX with my loan validation letter provided by affirm that states this has been paid in full. Even with supporting documents showing my payment, loan ID and other verifying information XXXX did not take this into account. The dispute was resolved with a statement saying that Affirm has confirmed that the reporting is valid. I proceeded to contact affirm on XX/XX/2023 and they confirmed that I have made the full payment and was unsure why their back office is reporting this to my credit report. I made a complaint and the representative insured me that it would be escalated and I would hear back them by email. The same day their back office contacted me via email stating that the report is valid which is incorrect. I have my loan validation letter and also bank statements showing the amount and when it was paid to Affirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were paid off/forgiven in XX/XX/2023 with XXXX. I received a letter stated that I have a XXXX balance and no longer owe money to XXXX or Dept Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX XXXX  to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX XXXX : {$3500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX CRED ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Creditor : ) XXXX Balance : {$75.00} XXXX  XXXX Balance : {$630.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that COMENITY BANK didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

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

After pulling my credit report, I found inquires that were not authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts on my XXXX XXXX XXXX is closed on my Experian I already reported this as identity theft but it says 3 of the accounts is closed I want both of the accounts of my my credit report and late payments also never missed a payment
Product: Vehicle loan or lease

since XX/XX/XXXX was my first payment, i never received my statement by mail till date. every time i make my payment i ask the agent, where i call and make my payment he says that its been mailed to me wait, i asked them to repeat my address every thing is correct but i don't receive my statement. global lending services LLC, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
Product: Credit card

I opened a billing/charge dispute of unauthorized charges on my chime credit card XX/XX/year>. CLAIM XXXX there are charges TOTALING {$300.00} that are unauthorized on the chime credit card. Chime is holding back my refund OF PROVISIONAL CREDIT on this credit card WITHIN 1 TO 2 BUSINESS DAYS .Chime is giving me the stall tactic runaround of regulation E. there trying to fool me by using the tactic of the " it may take 90 days to investigate tactic '' This is a chime credit card that has to provide PROVISIONAL credit to my account yet Chime is up to its old tricks of holding the consumers money hostage instead of abiding and following the law. As a consumer I am not liable for any charges that are UNAUTHORIZED. I MADE IT CLEAR TO CHIME THAT I HAVE FEDERAL PROTECTION RIGHTS AS A CONSUMER, YET CHIME IS IGNORING FEDERAL LAW. THIS STUNT THAT CHIME CREDIT CARD IS DOING TO ME IS HARMING ME BECAUSE CHIME FAILS TO IGNORE FAIR CREDIT BILLING ACT, 12 CFR 1005. CHIME SEEM TO BURDEN ME WITH THEIR COMPANY POLICY BY LYING TO ME.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Repair Act ( XXXXRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a XXXX XXXX XXXX XXXX XXXX  ) issued by a recognized XXXX certifying my status as a XXXX  survivor, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.
Product: Vehicle loan or lease

I went in to purchase my first " mom '' vehicle for my XXXX birthday I had my XXXX to trade in and $ XXXX to put down. The salesman was focused on " getting me in the lowest monthly payments '' somehow I ended up in a lease and not a purchase and they are charging me what 2 cars would cost. I have been trying to correct it literally since the day I drove the car off the lot. I also thought I was financing through Toyota XXXX whom I have financed 2 other cars through but its actually a fake company pretending to be Toyota XXXX.
Product: Checking or savings account

On the XXXX of XXXX, i deposited a check of {$7900.00} in my account at First Financial Bank, the bank froze my account and requested for an invoice for the transaction. I provided there requested information and they called the owner of the account from which the check was withdrawn from. The owner spoke to them and verified that he authorized and wrote the check to me. The same person sent me a check of {$20000.00} and i deposited it into my First Financial Bank again and they froze my account again despite no single charge back or dispute on my account. They called the writter of the check again and he verified to them that he wrote and authorized the check. These whole issue has cost me my account at my other bank, because I initiated a direct debit upon my first financal bank account but they rejected it and froze my account, due to this situation my other bank froze my account to. At this point i will like to request first financial bank to close my account and send me my remaining account balance through a cashier check to my address on file.
Product: Student loan

I filed a Borrower Defense application with Navient XX/XX/year>. Today, XX/XX/year>, I received a letter of denial with no explanation of the denial. I was approved for Borrower Defense on my Federal loans ( for the same school, XXXX University XXXX, so a denial through Navient does not make sense.
Product: Payday loan, title loan, or personal loan

Per my agreement I agreed to my account being charged weekly on my payday which is ( Fridays ). Since the 1st payment they have not charged my accounts on the correct day. I had payments taken out the immediate ( Monday ) before my payment was due from my checking account originally. They caused me 2 NSF fees attempting to draft from my account on ( Monday ) instead of taking the allowed payment ( Friday ), as per the agreement. I moved the payment to a secondary account for my debt card to be charged, and had a billing rep move my due date to ( Saturday ). cima has tried to withdraw 2 payments from my account Monday XX/XX/22 & Tuesday XX/XX/22 which were not on the scheduled date. I spoke with a Supervisor at cima and had them remove automatic payments and any other accounts or debit cards from the account before they made anymore payment attempts not on the agreed day. After removing automatic payments a week ago the tried again to charge my account on XX/XX/22 a day that was not my agreed upon due date. cima is now trying to charge me a NSF fee and late charge for them once again not withdrawing from my account on the agreed upon day which should be Saturday.
Product: Credit reporting or other personal consumer reports

This dispute is in reference to : XXXX XXXX XXXX XXXX I have repeatedly disputed this because of the company has not sent any information to verify the account or verify within the required 30 days. 

I'm requesting this account be removed from my Experian profile because the company has STILL not provided any information on its accuracy as the other credit reporting agencies have already removed it.
Product: Credit reporting or other personal consumer reports

I opened an Ulta CC through Comenity Bank in XX/XX/year> had decent credit- that decreased my score- I made payments- missed 1 not realizing it so I attempted several times via online app, email and phone call to correct the issue- I made attempts to pay it since you can only use a bank account to do so and the last 2 months Ive had to call and dispute or reset my passwords and keep on them to keep my credit score safe- however it doesnt reflect it they reported it as delinquent when me as the consumer have tried to reason with them, Ive been patient, Ive had to take time out of my day to call them several times to no avail- last month I made a call to pay on the app and was under the impression it went through had it reflected on my account to call them today because my score decreased AGAIN from their reporting practices- if my banking institution didnt approve the payment I was NEVER notified by them and when I called today to Ulta to discuss my next move- they blew me off- passed the buck to comenity and then they passed it to my bank and round and round it goes- I had to file a dispute which then caused my bank to cancel my debit card and I had to be inconvenienced to wait for another one- had to readjust all my online payments so they didnt get canceled or overdrawn or frozen- every month since I opened this Ulta account Ive had nothing but issues- if you look at my credit score Ive been diligently financially fiscal and try to keep my credit in good standing however this account and their actions have done to my account and it caused my banking institution to take security precautions for what? My credit payment history reflects that I am not a risk- have no other delinquent accounts and pay on time satisfactorily I would like to dispute this so I can pay it off and CLOSE IT Im trying to build credit to buy a home in my own name I work hard to be a fiscally responsible consumer and the 1 and ONLY time I was forced to pay my bill at Ulta late I called them to explain myself Im not a deadbeat and I feel they reported my account prematurely and its negative affects on my report is causing my financial distress its going to make it hard for me to get a good interest rate on a home loan Id like the opportunity to clear my name and credit please, the Comenity site is also deceiving and that causes stress as well when consumers try to identify themselves or find their accounts- its not fair for those of us who are trying to be fiscally responsible- thank you very much