23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A medical collection account of {$100.00} is being reported in my Experian credit report. This is the only agency reports it. I disputed this information with the Experian. I received a response stating that they verified the information. Since the reporting agency claims the account was validated, I disputed the account with the reporting collection agency. 

The collection agency did not reply to my validation request. Since I could n't get a response from the collection agency, I asked Experian to either share the information about who validated and what method was used to validate this alleged collection account or delete it from my report. 

As a response, Experian send me a copy of my report again saying the account was disputed in XXXX 2015. 

As of today, after XXXX disputes, Experian did neither delete nor properly investigated this account. 

first dispute with Experian : XXXX 2015 Dispute with Collection agency : XXXX 2015 Second dispute with Experian : XXXX 2015
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
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 THESE ADDRESS ARE ADDRESSES I AM NOT ASSOCIATED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/XXXX, This was not authorized by me, i was not contacted as is required on my Victim Fraud Alert. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX& XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 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 the records of conviction of crimes which antedates the report by more than seven year. 

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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with XXXX and Experian in reference to credit inquiries being deleted from my credit report even after proof of my information being exposed in past data breaches and informing them of unauthorized hard inquiries observed recently on my credit report. XXXX has deleted all hard inquiries and also mailed out a current credit report. I am requesting for the same results with XXXX and Experian after several recent disputes via phone. Attached below are documents of the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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 Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Debt collection

This account was reporting inaccurately on Equifax. The balance was reflecting an incorrect amount and instead of removing the account as requested per FCRA law, they updated the balance to {$0.00}. This account has been removed off of XXXX and XXXX and should have been removed off of Equifax as well. I have requested MULTIPLE times for debt validation and Equifax had not provided me with legal proof of validation.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the three credit bureaus didnt make sure that was reporting 100 correct, fair and accurate. They didnt even preform the investigation. They sent me a generic template letter saying we applaud your attempts but we are not going to do the investigation because we think it didnt originate from you even though I sent all the proper documentation they require. It is like they just threw away my disputes.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$400.00}
Product: Debt collection

Original creditor XXXX paid- account in good standings. 
Portfolio Recovery reporting same account with wrong Original Creditor listed. Reporting Late as 0f XXXX/XXXX/15 on XXXX and XXXX credit reports. Do not owe debt. No terms/agreements. Also, Portfolio Recovery modified account number from XXXX account and reporting it on XXXX account. Original creditor XXXX- aged account XXXX - Paid
Product: Money transfer, virtual currency, or money service

Coinbase has several wallet types and they accept different crypto tokens. They have terms saying that it is important not to send crypto from a token from one wallet or exchange into a wallet or token different then the one you are sending from. In my case, I sent a token called XXXX to the coinbase BTC wallet. This transaction was allowed to go through however because the wrong token type was sent, the funds did not show up in my account. I understand their terms however they do have the ability with the private keys to reverse this transaction. There are complaints all over the internet. Im not certain of this but I assume they are essentially keeping the incorrectly sent funds. In my case it was {$7000.00} that I can not receive but they have. That doesnt make sense. This type of transaction should not be able to processed if it can not be received. I hope to fine resolution to this but Im doubtful. They are capitalizing off of peoples honest mistakes. Please help. XXXX XXXX
Product: Debt collection

On XX/XX/2018 i recived a summons to court for a credit card by shermeta law group for a credit card debt in the amount of {$2100.00} for a credit card debt i know nothing about i feel if i owe thus debt id like to know what its for and how it got to the amount they are sueing for it says the plantiff is XXXX XXXXXXXX XXXX i have hired a attorney to file an answer so they don't get a default judgment i would like to see a contract that i signed they did attach a generic copy of terms and conditions that i could print off my self from XXXX XXXX website. and i would like to see transactions that were made from the start of the debt to the end to validate this debt belongs to me and the amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed with them over and over that I WAS NEVER LATE with XXXX XXXX XXXX Credit Card. All three bureaus stated the account was verified with no proof. My account is paid on time or ahead of time and paid in full most of the time or min payments and my account is on AUTOPAY. They will not remove the late payments from my account.
Product: Vehicle loan or lease

XXXX / XXXX /  XXXX   I spoke with  XXXX , case  XXXX  of  XXXX   XXXX   XXXX   XXXX  and she had informed me that there were options in which I could save my vehicle. I had a hardship of hurting my knee back in  XXXX  and has since escalated to having  XXXX  in my knee. I 've had to pay medical office visits, prescriptions and an  XXXX . I had spoken with the young lady of my hardship and roof being damaged due to severe weather. She was very understanding but told me to try to get a payment but if I could n't she had other options to help me.     XXXX   I called  XXXX  of  XXXX   XXXX  Auto Finance and told her I was unable to get the payment as money is extremely tight and I do n't get paid until the first of the month. I am expecting a settlement for my roof damage but that has not come to fruition yet as I was hoping to catch up my payments. She then informed me that there was nothing she could do and that it would go to repossession department and they would escalate the debt. I asked about a modification and she said that was n't an option but told me to call the repossession department and they  XXXX  have some options.    XXXX / XXXX /  XXXX   I spoke with  XXXX  of  XXXX   XXXX  Auto Finance  XXXX  Department and she was not understanding at all. She was very rude and I explained my hardship and told her I was a customer with them for a long time and she said well we have a lot of customers with us for a long time but your car will be repossessed if you do n't come up with  XXXX  payment and then we have some options. I explained that I do n't get paid until   XXXX    She informed me that they would come take the car on Friday but I asked her how much time would she give me to try to come up with the money and she gave me until  X/XX/17    before  XXXX  pm otherwise they will pick up the car on  X/XX/17.  I was devastated as I ca n't work a second job as I normally would to make extra income but with the my knee in the situation it is in, I am limited and unable to work part-time. I work full-time and it 's sedentary but I just needed some time to get the payment or help with a modification. I do n't know what to do. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX ( additional dates/ tracking numbers are attached below ) l sent letters to the credit reporting agency and creditors regarding inaccurate and unknown items on my consumer report. To this day over 30 days later I have not received a response yet I feel like Im being ignored and taken advantage of my disputes Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete. Delete these items from my consumer report immediately. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15 USC 1681b - 15 USC 1681e ( b ) - 1681a -2 ( A ) ( i ) - 623 ( a ) ( 1 ) ( B ) ( ii ) ( 5 ) - 15 USC 1681c ( a ) ( 1 ) They were also supposed to complete investigations before the expiration period under section 611 ( a ) ( 1 )
Product: Mortgage

Hi here we go again with Wells Fargo,2nd complaint in 1 week.I have a escrow account thru my mortgage that pays my property insurance.The letter from XXXX XXXX  attached claims they did not make this payment, which was due b4 XX/XX/17, today is XX/XX/17 & is asking me to pay it.Wells Fargo I am really getting tired of your non-stop XXXX & pay XXXX what is due them.Also this affects my insurance as it will show up as a late payment.XXXX  wants there money now which should have been paid 2 months ago.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid and closed and should have been removed from all XXXX of my credit reports but it is still reporting to XXXX and XXXX. I spoke with someone at the time of closing, and it was agreed that the account would be removed after the account was paid. Please submit an AUD form to XXXX informing them to remove this account just as XXXX and XXXX has. I informed them that they are reporting false information and that I can sue them under the FCRA and they have informed me to contact the creditor. There are also XXXX different account numbers reporting for this account which is also a violation due to inaccuracy. XXXX is reporting account number XXXX while XXXX reports XXXX. Please remove this account from my credit report as the debt has been paid and this is causing me extreme hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Portfolio Recovery on several occasions to report accounts that are fraudulent as well as the 3 major credit bureaus, XXXX, XXXX  and XXXX. XXXX  removed it per my request and demand, however Portfolio won't remove it even though XXXX found it to be fraud and removed said accounts. The account was being reported to my credit multiple times, once by the original creditor, XXXX XXXX and then again by the collection agency, Portfolio Recovery. Portfolio Recovery fails to cooperate with my request after multiple demands to their letter. They are now in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 6 ), Section 623 ( a ) ( 9 ), Section 623 ( a ) ( 2 ), Section 615 ( f ) for which that reads : Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

A copy of my photo ID has been attached. 
I am unable to include my social security card as the card has been destroyed over the years and a new one is not available at this time.
Product: Debt collection

Account for Women Within credit account. Amount of Debt : {$1600.00}. 
Collector : Crown Asset Management LLC through XXXX XXXX XXXX. 

In XXXX Crown had my bank notified through XXXX XXXX to garnish my checking account to repay the Women Within debt. All my income is from exempt sources ( Soc Security, state employee pension ). The paperwork said money would be frozen only if my balance exceeded 2 months of income. 

On XX/XX/XXXX, I filed a complaint against Crown Asset Management LLC for trying to take me to court for a credit card debt ( XXXX XXXX ) that I do not believe is mine. 
XXXX XX/XX/XXXX, XXXX I received legal documents from Crown 's attorneys on the above-mentioned Women Within account. They want to garnish any " non-earned wages ''. My understanding of a " non-earnings garnishment '' is that they want the court to make a judgement to take some of my exempt income. And the summons says I have to turn in all this paperwork in 20 days including bank statements, which I feel is a violation of my privacy. 

***This action was initiated just 27 days after my first complaint was filed. Crown may say this is coincidental, but I see it as RETALIATION for filing the first complaint****
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX show up on my credit history ( XX/XX/XXXX) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXXXX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX  ( XX/XX/XXXXandXX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

Nissan Motor ( XX/XX/XXXXXX/XX/XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  ( XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX (XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  ( XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX) do not have any knowledge of this inquiry
Product: Money transfer, virtual currency, or money service

Account locked XX/XX/year> Multiple charges of {$500.00} via XXXX XXXX went through others were blocked {$500.00} And an additional {$40.00} gone via XXXX
Product: Credit card

Request for Investigation : Identity Theft and Fraudulent Credit Card Account with Capital One Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to request an investigation into a case of identity theft and fraudulent credit card activity with Capital One ( Capital One Case # XXXX ) Summary of the Issue : I have never opened, used, or authorized anyone to use a Capital One credit card. 
Capital One claims I owe {$1000.00} on an account opened in XX/XX/year> ( Account number unknown, last four digits XXXX ). The account has been closed. 

I have never received a credit card statement or the card itself as on XX/XX/year> Despite providing Capital One with a police report ( XXXX, XXXX Police Department , California ) , an FTC Identity Theft Report ( XXXX ), identity theft information forms, and proof of identity ( driver 's license, utility bill, etc. ), Capital One 's investigation concluded I am responsible for the debt. 

Additional Information : My credit report shows this fraudulent account was opened in XX/XX/year>. 
Neither I nor my spouse applied for any credit cards in 2024. 
There is one incorrect address listed on my credit report, which I have successfully disputed and removed. 
My credit report also shows unauthorized credit inquiries that I did not approve. These were reported and removed as well. 
I have an excellent credit history. 
Request : I kindly request the CFPB to investigate this case of identity theft and fraudulent credit card activity with Capital One ( Account # unknown, last four digits XXXX ). I have already submitted all requested documentation to Capital One with no resolution. I am concerned about the impact this fraudulent account will have on my credit score and financial well-being. 

Contact Information : Name : XXXX XXXX Address : XXXX White XXXX XXXX XXXXXXXX, CA XXXX Phone Number : XXXX Email : XXXX Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
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. 

XXXX XXXX XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  : ACCT # XXXX and ACCT # XXXX, XXXX XXXXL : ACCT # XXXX has violated my rights. 

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.