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

These accounts were paid off in full. See attached letters. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. Also all of these accounts were paid in full, per all of the attached letters. These accounts should be removed since they were paid off years ago. The credit reporting agencies ' dispute department has failed to correct the inaccurate payment status ( which should state " PAID '' ) and the agency has failed to correct the payment status to " CLOSED : PAID AS AGREED ''. ( XXXX and Transunion ) should not be allowed to post and/or re-post inaccurate information to my credit files, at all, since the inaccuracies are abundant and constant. The following accounts should have a PAID payment status and a PAID account status and nothing should be listed as delinquent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. Nor list inaccurate payment histories or false status or comment notes on my credit file. 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I made a lump sum payment to be spread equally between my loans, But only one of my loans has received the payment. I have accrued interest on the others and there for have been forced in to a payment reduction plan that adds 15 years on to my loan. I spoke to a naviant rep in 2017 about this matter. I have not heard back and he could not explain or fix my account.
Product: Credit reporting or other personal consumer reports

In XXXX of this year my TransUnion shows XXXX missed payments and a XXXX balance. On my XXXX and XXXX its reporting something different. Ive requested original copies of the debt and if you can not produce the documentation or rectify the inaccuracies, then remove from my profile. This misinformation has costed me thousands of dollars over time in high interest. I feel that because Im an older person, they have manipulated the situation to their advantage by not doing what right in fixing their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices where transactions were settled with insufficient balances despite initially having available funds. I believe these practices are unfair and request an investigation into my account transactions.
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. Account # XXXX Account name : XXXX Account # : XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name XXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account name : XXXXt Account # XXXX Account name : XXXX XXXX  Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is 1 account reporting to XXXX   which are fraudaulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd  like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has my personal information wrong and I have dispute this XXXX  times my address is wrong my employer is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX For XXXXTransUnion/XXXX & Attorney XXXX XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
CREDENCE RESOURCE MANAGE ACCT : XXX AMT : {$820.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

AMCOL SYSTEMS INC is reporting a paid medical collection on my XXXX {$0.00} balance. And they have a balance of {$260.00} on my XXXX. They are false reporting on my credit report. I need them to delete this collection off the 3 credit bureaus they are violating the fair credit reporting act.
Product: Checking or savings account

I bank in Ohio. Thieves broke into the local post box and stole my mail. I had enclosed a {$100.00} check which they stole the account number from. The bank was notified of the theft and a hold was put on the account. A second account was opened to shield the remaining funds from the first account. 
On XX/XX/2022 the thieves approached a bank in Kentucky and tried to withdraw funds from the first ( stolen ) account. The teller saw that there was a hold on the first account and released the funds, {$2400.00}, from the second account. 
My account was then charged the {$2400.00}. 
I have approached the bank four times and the branch manager submitted an affidavit for me. I was told to wait 120 days and it has been that long. Now I learned the affidavit is missing.
Product: Debt collection

Since of XXXX we have been criminally harrassed and threaten with unlawful conversion. This fraudulent claim of an alleged debt is absurd since The us government is responsible for all public debt. This private property has no association with This fraudulent debt which these individuals have willingly and knowingly conspiring to violate our Unalienable rights of Freedom of liberty 's while acting under color of law. We have spoken to this debt collectors assistant XXXX on XX/XX/XXXX and informed Them in good faith to CEASE AND DESIST IMMEDIATELY ALL UNLAWFUL Activities upon our private estate. This property has been discharged and controlled by a Foreign trust which these individuals are willfully engaged in Criminal Trespassing AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an XXXXt that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to r4turn the car, she said they ( XXXX XXXX ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( XXXX XXXX ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has consistently reported the XXXX XXXX XXXX XXXX Account ending in # XXXX, with a balance. It should be reported as a XXXX balance. This account was paid in full in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have recently noticed some inaccurate and outdated information on my consumer report that are affecting my personal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

My Father, XXXX XXXX XXXX, died XX/XX/XXXX. In XX/XX/XXXX my underage son was called five times by Ascension Point debt collection service regarding his estate. Five messages were left then they talked to my clearly minor child and coerced him into giving them my cell phone number. My son is clearly underage and this tactic is abhorrent. 

Furthermore, I am not the personal representative for my father 's will nor am I a beneficiary ( nor is my son ). I called Ascension point on Friday, XX/XX/XXXX, to ask them to cease and desist in calling me or any of my family members. After this call they contacted my sister 's father-in-law. My sister is also not the representative nor a beneficiary of out father 's estate. 

These aggressive tactics for possible fraudulent debt that we are not legally responsible for is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

The head of the list complaint is about coinbase.com and XXXX XXXX I opened an account with them made to deposits one on XX/XX/XXXX for {$1000.00} 1 on XX/XX/XXXX for {$2200.00} I and vested it in to XXXX XXXX about a week after I invested at there was almost {$200.00} that seemed to vanish I tried to email someone I got no response after a couple of days I went on to close my account and I was on able to access my account I tried to call the phone number and it is a non human phone number and it is only used to report fradulent activity on your account so I did freeze my account in hopes that there was going to be no more money missing from my account or it be just out there doing whatever it was gon na do and I can't see it it's been 2 weeks now they have emailed me back finally telling me the steps to re gain entry into my account and it tells me all kinds of different things from this is indeed computer you used you entered the wrong information or the best 1 lately has been the system is down please try again later and then underneath that there is a button to track problems with the system I had it says there are no issues going on so I have tried for 8 days to get ahold of somebody and resolve this issue and we get my money back and closed this account out but I have not been able to access my account what so ever and he response time is just really ridiculous Li long for money being invested somewhere and there being an issue. I ended up getting a link to their XXXX page and I was alone away by some monkey comments on XXXX page and how many people have had this problem with them getting their money back money messing not being able to get back into their accounts how are these people even in physis anymore has no one else complained? 
I tried calling me XXXX 1st and of course XXXX XXXX coin base all of these fly-by-night investment companies are not watch over by the SEC which also was mind blowing but they were kind enough to give me your email address and the FTC I have filed the complaints with both of you but now after trying for 8 days to get resolution with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged to the following items listed below that are showing on my credit report. I therefore request that you immediately remove/ block these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021