23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I filed a complaint # XXXX with the CFPB against Experian for failing to provide me with certified proof of several alleged accounts that are listed on my credit report. In Exhibit B you will find a copy of the CFPB Complaint. 

The alleged accounts in Exhibit D are false, inaccurate, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements and the per the requirements of the FCRA. Experian is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable alleged accounts on my credit report. 

On XXXX, I received Experian Report # XXXX. I carefully reviewed this report. My review of this report showed that Experian had not included or attached any certified proof to justify their failure to delete these accounts. A copy of Experian Report # XXXX attached in Exhibit C. 

Experians disclosure is not clear and accurate as required under 1681 g ( a ) ( 1 ). 

Experian Report # XXXX did not provide me with any certified proof on how you verified the alleged accounts. I specifically asked Experian for certified proof that your office complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

Experian has a duty under the FCRA to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau ( Experian ) provide certified proof that the information that they ( Experian ) publish or provide is in fact 100 timely and accurate. 

Experian can not simply say that the information was certified. Experian must also produce said certification when I consumer asks for it, which is their right under the FCRA. If Experian does not provide proof, then the reported information is considered to be false and must be DELETED. 

Experians failure to provide this proof is a violation of the FCRA. Your failure to do your lawful duty is documented in my CFPB complaint and in Experian Report # 1642-9257-70.

Experian must meet ALL of the requirements of the FCRA. Experians violation of the FCRA is eliminating my consumer protections established by Congress under the FCRA.

According to the FCRA, unverified information is false information because it can not be sworn to as fact and 100 accurate. Experian is reporting false information on my credit report because none of the alleged accounts have been verified with certified testimony from either Experian or the data furnisher. ( Copied from attached Affidavit ) *******
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 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> My account was charged XXXX by a bar that I was not at prior to this I lost my phone, I requested a new card and I have the receipt from XXXX  when I got my phone replaced on XX/XX/year>. 
Receipt signed was not my name and Bank of America claims I authorized this person to use my account.
Product: Money transfer, virtual currency, or money service

Hello I have an open account with Coinbase ( XXXX XXXX ) which was working perfectly until the XXXX of XXXX in which my account was put " under review '' by them being unable to trade, deposit or withdraw any asset. 

The message is the following : Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. 

I hold on this account XXXX USDC which is an stable cryptocurrency that keeps the same value as the United States dollar, therefore, I am unable to access my money. 

After doing my research I found out about many people with the very same problem and the account frozen for months. 

I have been in contact with the company twice and they literally told me to wait and never explained why they decided to freeze my assets as my account is completely verified. 

On the first e-mail I have sent, they replied this : Hello XXXX, Thank you for contacting Coinbase Support.

Your account is currently being reviewed and our team will need time to verify your information. During this review period, you will not be able to use the Coinbase platform. There are a variety of reasons that impact the services that we can offer you right now, including our security, compliance and operational procedures or your geographic location. 

In the meantime, if you can take a moment to review the following : 1 ) Please make sure that youve uploaded your government-issued photo ID here : XXXX XXXX XXXX 2 ) Enter your personal details here : XXXX XXXX XXXX  3 ) Provide us with some insight into how you will use Coinbase, your employment and your source of funds here : XXXX XXXX XXXX Please note that due to a high number of requests, account reviews are taking longer than usual but our team is working hard to get to yours. 

Regards, Coinbase Support After doing everything they said and still having the account in the same situation, I contacted them again saying I would like to close my account as this is unacceptable and they replied this : Hi XXXX, Thanks for following up with us. We appreciate your patience. Our team is working diligently to review your account. 

At this time, you do not need to take any additional action. Please do not submit another request related to this issue because doing so could cause a delay. We will contact you as soon as we have an update. 

We look forward to supporting you. 

Regards, Coinbase Support All in all, I can not withdraw almost XXXX XXXX dollars from the account and I hope you can help me as many user with the same problem had it solved thanks to you. 

Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made the payment on time as confirmed by the bank statement attached.

A clerical error seems to have occurred in reporting the payment, as there is no record of any missed or delayed payment on my end. 
Additionally, the payment records from XXXX  XXXX do not reflect any past due amounts during the disputed time period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

im a XXXX yr old XXXX woman collecting an ssdi check of {$780.00} a month i have an equity loan w/ green tree morgaging company ive applied several times to get a loan modification to lower my inerest rate from 8.89 % with 5 % interest on my insurance my taxes includuded are costing {$490.00} a month i have a balance over {$21.00} i also have a first morgage from a private morgage costing {$170.00} a month totaling {$670.00} a month with a balance of {$16.00}. ive tried several times to get a loan modification from green tree w/ them telling me the paperworwork wasnt sent in in time and once i got that notice before i even got the application last time was last month and i just recieved a denial letter reason being i dont make enough money.my ex husband pays the rest of the household bills for me and his paychecks were submitted.i dont understand if i dont make enough money why wont they notify me they are owned by XXXX and XXXX gave me a lot of problems placing forced ins. on me when i was already paying my own ins i complained about this issue and they covered it up after ruining my credit making it impossible for me to get a refinance i have XXXX and XXXX issues and other bills and privatate matters i cant pay due to this rediculous amount of interest i had less than {$3.00} taken of my balance in 10 yrs.i cant afford this each month ive been borrowing money to pay this every month and the XXXX is becoming unbearable is thier anything i can do about this? i need over $ XXXXin home repairs due to falling during XXXX like burned countertop, cracked floortiles and other appliences glasstop stove crack and no working oven i had to have a XXXX and XXXX XXXX and need assisence geting in the shower because my tub is too high i cant even sell my house because it needs to be tented the eaves need to be pained and the outside needs to be painted and the screen room is all ripped, the toilet keeps overflowing and thered mildew in the kitchen sink and the bathtub.and i have to pay co-pays on all my medications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 XXXX XXXX  reported to XXXX that I had an account with them and was closed overdrafted in the amount of {$1100.00}. The address they have listed for me is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 

On XX/XX/21 Charter One Bank reported to XXXX that I also had an account with them and was closed overdrafted in the amount of {$1000.00}. The address they have listed for me is XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I have never had any accounts with either one of these banks and I have never lived at either one of these addresses. I have never even been to XXXX XXXX XXXX 

Per CFPB regulations Im demanding that XXXX removes this false information off my report immediately! They are negatively effecting my banking relationships by reporting frivolous information. Please help me with these two frivolous reporting. Please Im begging you for your help in this matter.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  : XX/XX/XXXX Frivolous, I am filing a complaint regarding unauthorized credit inquiries that are appearing on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received an y resolution. I requested wet signature applications and proof of authorization. I am requesting an investigation from the Consumer Financial Protection Bureau about the listed unauthorized inquiries, take actions to ensure theyre removed, and to prevent further unauthorized activity.
Product: Money transfer, virtual currency, or money service

I bought XXXX item on XXXX. I asked my bank to wire transfer on XX/XX/year> at XXXX, I then realized I was being scammed at XXXX on XX/XX/year> I contacted XXXX Bank and XXXX to reverse and stop the wires from going through. Then I attempted to call both receiving banks to let the know that this was a scam and not deposit the funds in the accounts. I had no luck talking to the banks and they would not discuss because I wasnt the bank and didnt have an account with their bank. I then reported this to the FBI and state bureau of investigation. The first wire was {$27000.00} going to Bank of America. Wire number XXXX. 
The second wire was {$24000.00} going to XXXX XXXX, XXXX Bank, wire number XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have noticed some unauthorized, fraudulent, collections accounts on all three of my credit reports. This has caused financial harm and duress to me. I have medical collections bills which appear, and that is a problem for me, being that I did not send or authorize these collections companies to HAVE my PERSONAL, FINANCIAL, OR MEDICAL HISTORY/RECORDS. EACH PLACE THAT HAS SOLD MY IDENTITY, HAS VIOLATED ME IN EVERY WAY. THE ORIGINAL CREDITORS, LITERALLY SOLD MY INFORMATION, AS A SEVERE VIOLATION OF HIPAA. I NEED THESE ACCOUNTS REMOVED OUT OF MY NAME IMMEDIATELY, OR I WILL SUE. I ALSO NEED THE INQUIRIES REMOVED FROM MY NAME ASAP!! I DO NOT HAVE A CONTRACT WITH ANY OF THE COLLECTIONS COMPANIES LISTED!!
Product: Debt collection

End of XX/XX/XXXX, early XX/XX/XXXX I called to have my XXXX services transferred to my new address as I was moving. I was told they didn't service my new address and I would be able to cancel services with no early termination issues. I was told I would receive a shipping label in the mail at my old address in order to return the equipment. I am XXXX so I was glad to hear that I wouldn't have to go in to the store. I never received the label so I took the equipment with me to my new address. I waited for a final bill until I moved and also when I moved I waited for a bill to be forwarded to my new address with my change of mail request. I received nothing. Now I received a phone call from Sunrise Credit Services today XX/XX/XXXX attempting to collect {$250.00} that I had no knowledge of owing. I called XXXX  immediately and the billing department was " unable to pull up a detailed bill '' so I was transferred to the retention department who I was told by XXXX  that could provide the breakdown. I was told by the retention department that I needed to go to the store with the equipment and that the billing department would be able to provide the breakdown and was cut off mid question and transferred back to the billing department and the line was disconnected.
Product: Vehicle loan or lease

The vehicle was repossessed without notice of repossession. They never offered a way to make the defaulted payment. Then when they repossessed the vehicle, they said I needed to pay the full amount of the car to get it back. After they repossessed the vehicle, they sent a letter stating I needed to pay the full balance to redeem the car.
Product: Mortgage

I home was discharged on XXXX bankruptcy XXXX at that time I had XXXX mortgage lenders. I made payments on XXXX loans until XXXX, when XXXX XXXX my attorney informed me I did n't have to make payments on my second due to lack of money. Since then I have made all my payments on my first on time every month. Now Allied my second lender has sold my loan to a private party. I filed a complaint with XXXX and was also told this may also help too. XXXX XXXX XXXX XXXX was my attorney in this matter and mediation was done with XXXX XXXX and XXXX XXXX attorney for the private party whom was no present only by speaker phone. My understanding was make them an offer and pay them of and that would be that. About a month before XXXX and I talked on the phone and agreed XXXX would be a good start. We never heard anything back from them til XXXX day of mediation. That was the first time XXXX and I meant I said what do you think they accept or reply he said h did n't know but, maybe we will have to go to XXXX which was the max. Well to make this short things did not go well the guy on the phone was rude and I came out of that meeting homeless. I told XXXX and XXXX I had no idea that I was going to lose my home XXXX told me that he has settled a lot of cases and that it 's all about the money. Well that was n't the case. I want a chance to buy back my loan for the same price Allied sold it for they should of came to me first and made me an offer, Please help me keep my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wa XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX dollars was stolen from my cash app account and that caused me to have to create a new one.
Product: Credit reporting

I was able to get my free report ( through XXXX ) from XXXX. I went to the FTC site and clicked on the free annual report link to get the ones from TransUnion and XXXX ... two days ago, but I was told they were unable to complete my request from XXXX sites. I read somewhere that i should wait 24 hours and try again. I just tried again and still ca n't get them. As a matter of fact, TransUnion is now saying they have already provided me with my free credit report ... but that 's not true. And also, Equifax keeps asking me these multiple choice questions about loans I have never done, and that do not apply to me.
Product: Debt collection

They are trying to say I have two accounts that I owe on for XXXX and I don't. They hit my credit report twice with two different account numbers. I've wrote letters and nothing has been done.
Product: Student loan

Prior to consolidation request, had both FFEL and direct loans, totally ~ {$14000.00}. During waiver in XXXX of 2022, Partially consolidated student loan for PSLF ( only direct loans ), which transferred XXXX to MOHELA. Was instructed by dept of education to file request to add on to consolidation loan to include FFEL loans in XXXX. Only partial loan balance displays in MOHELA. Can not reach anyone at MOHELA and have no idea when balance will be updated to accurate value. ; meanwhile, interest is accruing. 

I started the process to consolidate per fed instructions last XXXX and 12 months later it is still not completed or is being butchered by MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not wholly blame Equifax for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, Equifax could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at Equifax conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A. Loan for my family and I. These are  inquiries that do not belong to me. 

These are some painful and regretful errors. They are causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming Equifax for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX 2-XXXX  XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New  3-XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-XXXX XXXX Inquiry from XX/XX/XXXX 6-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX  Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX I Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 12-XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 14-XXXX  XXXX Inquiry from XX/XX/XXXX 15-XXXX XXXX Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-XXXX  XXXX Inquiry from XX/XX/XXXX 19-XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 20- XXXX XXXX Inquiry from XX/XX/XXXX 21-XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23- XXXX XXXX   Inquiry from XX/XX/XXXX 24- XXXX XXXX Inquiry from XX/XX/XXXX 25-XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX