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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, AND XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX & XXXX  account numberXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate Credit Reporting To Whom It May Concern : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax LLCs inaccurate reporting of a settled account on my credit report. Despite providing evidence and disputing the information directly with Equifax, the inaccuracies remain unresolved. 

The account in question, reported by XXXXXXXX XXXX XXXX XXXX ( Account # XXXX ), was settled in full on XX/XX/XXXX, for less than the full balance. However, Equifax continues to report the following inaccurate details : 1. Account Status : The account is incorrectly listed as " Charge-Off '' or " Collection '' instead of " Settled '' or " Settled for Less than Full Balance. '' Outstanding Balance : The account reflects an outstanding balance, but the balance should be reported as {$0.00}. 
Reporting Dates : The " Date of Last Activity '' and/or " Date Closed '' do not align with the settlement date. 

I have made every effort to resolve this issue directly with Equifax by sending a dispute letter, along with supporting documentation, including : A copy of the settlement agreement dated XX/XX/XXXX. 

Payment confirmation showing the settlement was completed. 

A highlighted copy of my credit report with the errors indicated. 

Despite their obligation under the Fair Credit Reporting Act ( FCRA ) 611 to investigate and correct these inaccuracies within 30 days, Equifax has failed to address or correct the errors. 

Resolution Requested : I request that the CFPB require Equifax to : 1. Correct the account status to " Settled for Less than Full Balance. '' Update the outstanding balance to {$0.00} Ensure the reporting dates align with the settlement date of XX/XX/XXXX. 
Provide a written confirmation of the corrected credit report. 
I have enclosed copies of all relevant documentation for your review. 

Thank you for your assistance in resolving this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent XXXX from my coinbase account to my XXXX wallet. The money never made it. When I inquired with coinbase and let them know about the missing money, they told me to check the XXXX When I did, the transaction that came up was not mine. It's l like mine was grouped into a larger transaction because the amount was significantly higher than what I sent. Still to this day the money has never made it to the account and Coinbase refuses to provide any insight as to why
Product: Credit card or prepaid card

On XX/XX/2022, XXXX notified me that a creditor received a copy of my credit report, however I did not apply for credit. ComenityXXXX XXXX XXXX also sent a notice of denial to an address I have not used in over XXXX XXXX, using a last name that I haven't used since XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX who advised me to notify the FTC.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit card or prepaid card

On or around XX/XX/2021 Oportun ( Lender XXXX ) opened a credit card in my name without my permission. I have extended fraud alerts on my credit files, with all credit bureaus which specifically state that all information before an application is approved, must be verified by ME first before approving the application. This a fraud victim statement and my phone number is listed on the statement. Oportun chose to ignore that and instead went ahead and opened the account. I never signed any documents and I did not receive any credit cards. Nor did I ever make any purchases on this account because again I never received any cards. I tried to retrieve the login information based on what Oportun gave me, and I can not login. Nor can I retrieve the credentials because it is tied for a fraudulent email address ( XXXX ) and a Fraudulent phone number that ends in XXXX. Which again, Oportun stated they verified, and that phone number is not my phone number, nor is that what is listed on my credit files either. Oportun allowed payments to this account from a bank account that has been closed due to identity fraud, I never owned that bank account either and it was closed immediately. I am a victim of identity theft, and Oportun believes it's in their best interest to charge me for something I did not authorize. Nor did I approve said account, or any charges for that matter. Oportun shows a balance of {$730.00} and a limit of {$450.00} as charged off. This is false because again, I never applied for this account nor did I make any transactions on this account, and Oportun DID NOT verify my information clearly since I can not retrieve the credentials, and It's tied to information that doesn't match mine. Oportun was sent a FTC Report which is a valid LAW ENFORCEMENT IDENTITY THEFT AFFIDAVIT, but again Oportun refuses to assist because I did not complete their own Identity Theft Affidavit Allegedly. Again, I have a ID Theft Affidavit already and I attached it to this complaint. I want this corrected.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries that I have no idea what they were. I bought a car at XXXX and that's the only one that makes sense. After that there was XXXX more inquiries AFTER already purchasing a car. Please help I did NOT do this or authorize this. I will attach a screenshot
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get a bankruptcy removed from all XXXX credit companies cause its effecting my interest rates etc. equif. And XXXX XXXX removed them but experian has not. this was over 8 yrs ago and its still effects me and want them removed asap!
Product: Student loan

My name is XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX pa XXXX, XXXX. I had a third party call me asked me to consolidate my loan called equitable acceptance is the name of the company, so thought I was doing that but I was paying this compay out of my banking account for 8 months. I discovered when I called XXXX XXXX XXXX that this company was a fraid because the nice lady told me the XXXX XXXX XXXX don't ask to pay them to consolidate fed loans. I was upset because I've been paying equitable acceptance money that was applied to my fed loan. I'm asking to investigate this company so I can recieve all payments back to me. Another complaints is that I was trying to get my transcripts from the school department in XXXX, but there's transcripts available from XXXX XXXX for me. I needed the transcripts to continue my education. I've called the school department in XXXX and the school XXXX there's nn transcripts. My question to this complaint is how can I be paying a student loan and there's no transcript available for proof of my education? Without transcripts I feel my diploma my time I decatied going to XXXX was just a waste? If my diploma valid? I can't use XXXX on my resume knowing the truth about this school. Please help me to solve this situation.
Product: Debt collection

I received an alert from my XXXX account saying to check my credit monitoring. I noticed that Enhanced Recovery Collections was reporting to XXXX some sort of Collections account. I do not have any accounts with this Debt Collector and do not know why they have put this information on my Consumer Report. I need to know why this was put onto the Consumer Report without prior consent from the Consumer. I am an older American who  does not know why this is normal practice with the Credit reporting agencies please stop this criminal behavior. I wish this would cease and desist pursuant to 15USC1692 c c. This crime of identity theft has been visited by the President who says that there is a travel ban on invasion of the American peoples information. Please show me the employer identification number for Enhanced Recovery and also I need to see the employer identification number for XXXX and also all of the identifications for whomever had this derogatory information placed on the Consumer Report. I have got to figure out who provided all of my personal non private information for all of the public to see. It has to be known who and what and why it has been provided. This obscene and profane language has got to stop. It is a crime pursuant to 18USC242 I must have the right to defend myself before anything is placed on my Consumer Report.
Product: Mortgage

We applied for a mortgage refinance with the same credit union we have a loan through ( NFCU ) and this was at the beginning of XXXX, its currently XX/XX/21. In the beginning after we submitted our application along with the required documentation, they had my name wrong and my wifes birthday wrong. We have had our close date moved twice and were potentially going to have a third if they cant close on XX/XX/21. Weve had our application handed off to multiple loan processors due to leaving their roles. Weve had our credit ran three times, which as you know dings your scores. Weve paid for the appraisals and pest reports ahead of time. Our loan appraiser ( XXXX XXXX ) will not return phone calls or emails nor will her supervisor ( XXXX XXXX ) weve tried escalating this past XXXX but were told from the call center that were unable to escalate past XXXX even though he wont call us back or email back. Just a short time ago on the line with NFCU trying again to contact them both and get an update, we find out that XXXX is out of the office until XX/XX/21 which were supposed to close on XX/XX/21. No warm hand off, no follow up and here we are at their beckoning call.
Product: Mortgage

On XX/XX/2020 I refinanced my home mortgage for a lower rate and term. Soon after my refinance closed the mortgage was sold to AmeriHome Mortgage for servicing the mortgage. My refinance included pre-payment of the escrow. I've also made my required monthly payments, including escrow. My escrow with AmeriHome currently has a balance over $ XXXX. I have an outstanding homeowner 's insurance premium of {$1500.00} that was due as of XX/XX/2020. My insurance documents with AmeriHome are up to date, indicating a payment is past due. So far, I've contacted AmeriHome, including the following occasions : XXXX : Initial call to AmeriHome stating I received notice from my insurance company that the insurance payment wasn't made. They requested I send the insurance email notification to their customer service department, which I did on that day. I was told the payment would then be made. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. I was then requested to send my insurance payment notice to the AmeriHome insurance department email ( XXXX ), which I did on that day. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. AmeriHome confirmed they received my previous email proving an insurance payment was due and would expedite an insurance payment. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. AmeriHome confirmed they received my previous email proving an insurance payment was due and would expedite an insurance payment via work order to be completed by XXXX. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available and the work order from XXXX was closed without reason. AmeriHome said they would escalate and issue an insurance payment within 24 - 48 hours.

I will continue to follow up with AmeriHome, but at this point I've received a text, email and letter from my insurance company stating the insurance payment is past due, and my policy will be cancelled as of XX/XX/2020 if full payment is not made. I have been given multiple assurances the insurance payment will be made via my escrow, which has enough funds and continues to be funded via monthly mortgage payments. I have little confidence this will be done and am at risk of losing my legally entitled insurance coverage due to the inability of AmeriHome to meet its requirements of making homeowner 's insurance payments via the escrow account. 

Any assistance would be appreciated.
Product: Credit reporting or other personal consumer reports

This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX.COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX  XXXX XXXX Account Number : XXXX. Please remove it from my credit report.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On Monday, XX/XX/XXXX I received a letter from Chime bank with a new debit card ready for activation. The materials stated to activate the card in the app. 

It also provided me account numbers and routing numbers to give to my employer for direct deposit. 

I did not open an account with Chime bank, and wanted to take steps to remove this account. 

I called the number on the back of the card ( XXXX ) but was unable to speak to someone. 

I emailed Chime bank at XXXX ( I did not want to open their app ) and received an automated response from XXXX. She stated she would forward the information to the " Correct Department '' and I have not heard back since. 

I sent another email with additional information that might be more identifying to the account I am discussing but I did not receive any response either. 

It has been more than the 2 business days that they asked for. I would have appreciated an actual response or call from someone who would look into the matter rather than an automated response, so I am filing a complaint with the Consumer Protection Financial Bureau in hopes that they would actually investigate, respond, and close my account. 

I have already placed a credit freeze on my account ( from years ago ). 
I have placed a security alert on my account with the credit reporting agencies. 
I have placed an alert with XXXX ( which Chime does not participate in ) in order to prevent other bank accounts being opened fraudulently. 
I am happy to provide additional information as needed to settle this. I want the account to be closed and any activity to be marked as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian previously removed a discover late payment from XXXX It was reinserted into my credit profile without my notification or any verification. I need that late payment removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
XXXX.In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX.In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act THE XXXX XXXX XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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. 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

XXXX XXXX, 2016, I recieved the letter from Weltman , Weinberg & Reis Co. , LPA and Current Creditor : XXXX XXXX. On XXXX XXXX, 2016, I contacted to them to find out whats going on and asked what is XXXX XXXX is? They explained what this company is, which I never had a member with XXXX XXXX or even I never sign with agreement contract with my signature to XXXX XXXX. Which I believe it 's FRAUD! Please help to FIX!
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Palisades Collection LLC and their representing attorney, XXXX XXXX XXXX ( Attorney ID : XXXX ), for what I believe to be violations of federal debt collection laws and unethical practices. 

My name is XXXX XXXX XXXX, and I am a resident of XXXX XXXXXXXX XXXX XXXX For over a decade, my wages have been garnished by Palisades Collection LLC, represented by XXXX XXXX, without any prior notice or validation of the debt they claim I owe. I have not received any communication from a process server from the United States Postal Service, which I understand to be the legal method for serving a subpoena or sending a collection notice. This lack of proper notice has denied me the opportunity to verify or dispute the debt as provided by law. 

According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, a debt collector is required to send a written notice containing the amount of the debt, the name of the creditor, and a statement that the consumer has a right to dispute the debt within 30 days of receipt of the notice. If the consumer disputes the debt, the debt collector must cease collection efforts until they have provided verification of the debt. In my case, no such notice was provided, and my wages continue to be garnished. 

Furthermore, I believe that my personal information, including my address, was obtained illegally. This is a serious concern as it suggests a violation of my privacy rights. 

I also want to bring to your attention that I am a XXXX woman living in a XXXX neighborhood in XXXX XXXX XXXX XXXX I have observed that Palisades Collection LLC has many collections against individuals in similar neighborhoods, which raises concerns about discriminatory practices. 

I kindly request that the CFPB investigate these matters. I believe that the actions of Palisades Collection LLC and XXXX XXXX may be in violation of federal law, and I am seeking your assistance in addressing these concerns. 

Thank you for your attention to this matter. 

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

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on XXXX, XXXX and TransUnion 15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on XXXX, XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, XXXX and TransUnion and I didnt give them permission to do so.