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

XXXX XXXX account for {$360.00} is being flagged on my XXXX and Equifax credit reports since XXXX. The collection company is XXXX XXXX XXXX ( XXXX ). Since that time I have disputed the charges with XXXX and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to XXXX and Equifax asking for investigation and removal. 

XX/XX/XXXX Reply from Equifax indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from XXXX that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from XXXX indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX XXXX XXXX XXXX to both Equifax and XXXX regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to XXXX XXXX XXXX. 

XX/XX/XXXX Reply from XXXX that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can Equifax and XXXX be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Report Credit Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the inaccurate information.
Product: Consumer Loan

I know it 's been said there is no blacklist, but I 'm being denied loans for all kinds of reasons, this XXXX being the worst. This company denied me because- Our records show that you are a current customer. Oh really, I did n't know that.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I've sent in several documents plenty of times in regards to being a victim of identity theft. I have 5 fraudulent accounts on my credit profile. I've contacted the credit bureaus several times as well as file a theft affidavit. I filed a complaint with the Federal Trade Commission and the CFPB. 
I'm unsure as to why the items haven't been removed. Can you please delete the fraudulent items from my report ASAP. I've enclosed copies of everything. 
Thank You XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hey so I had a membership there I remember paying like 3 months for it and I canceled it I havent been back in months I think like XXXX so i dont know why XXXX getting a debt collector for XXXX plus dollars that dont even equal the months since I stop going
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/XXXX TransUnion : XXXX XXXX XXXX, XXXX XXXX PA XXXX RE : Unauthorized Inquiries ; I am sending this letter to dispute the following two inquiries that are unauthorized. Please remove them from my TransUnion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Thank you for your assistance, Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Lost debit card called for a replacement it's been almost XXXX months and I have not received my card. I spoke with several different supervisors I have been told many different lies. They have expressed my card more than once was told I'd receive it withing 3-5 business days I never received my card. I asked for a tracking number so I could track the card I was told they couldn't give me that information they did not have access to it I had to email chime support. I have tried to log into my account online several times but it's saying they dnt recognize my email address I called chime to ask about that I was told they could not find my account. They can not give me any information about my account that I have had with them for years. So now I'm just stuck with no information on if my account is active or not and dnt ha e any information on how to access my money.
Product: Money transfer, virtual currency, or money service

I want all money Reported Returned. 
XXXX XXXX 
XXXX/XXXX/2024 XXXX/XXXX/2024 XXXX/XXXX/2024 XXXX/XXXX/2024 XXXX/XXXX/2025
Product: Credit reporting 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 : XXXX 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 REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXXXXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX  XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately
Product: Debt collection

I am writing to request validation of the debt that you are reporting on my credit report. I have not received a validation letter from you, and as a result, I am disputing the validity of this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with validation of any debt being collected. This validation should include the name of the original creditor, the amount owed, and any other relevant information. 

Since I have not received a validation letter from you, I am requesting that you provide me with the necessary information to validate this debt as soon as possible. If you are unable to provide me with proof of the debt, I am requesting that you remove this item from my credit report. 

I would also like to remind you that, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. If you are unable to validate this debt, it should not be reported on my credit report.
Product: Consumer Loan

United Auto Credit gives me at least XXXX daily phone calls. I can speak to XXXX representative but XXXX more will call me the same day on my cell phone and leave messages each time. I also get emails If I am even 14 days late, I am told that my account is on their desk for repossession or that it is imperative that I call them immediately. I was 1 day late one time and got XXXX calls while I was at work. I also receive calls at XXXX XXXX and XXXX. This is very annoying and I wish it would stop.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at approx XXXX i notices my coinbase account and emails had been breeched. On the coinbase home screen there were address logging in to my account by the minute ... a full page full. I began removing the charges one by one and then coinbase disabled the account due to fraudulent activity. However, my email address and phone number associated with the account were changed. My emails were filtered to go to an unknown address so I didn't receive notifications. I have most of my assets in the coinbase vault which requires approval from 2 email accounts but both of those were breeched. I never received an email regarding whether or not the coinbase vault withdrawals were initiated ... but if they were, those notifications were sent to another email or deleted. The account was set for recover on XX/XX/XXXX. The email address I started coinbase with was closed by the hackers but I have a private investigator and we are in the process of reconstructing it. Time is of the essence. I still have the original phone that I started the account with so I don't understand how they were able to change the phone number without facial recognition. I had around 190 thousand dollars in this account and I did not approve any withdrawals or liquidations. As time passes ... the hackers/scammers just have more time to figure out how to get into my account. I initiated support tickets immediately, and everything should have been shut down well before the 48 hours before vault funds are moved. Original documents should be asked for to prove identity being that the hackers had access to my account passwords. These include original bank statements. Photo uploads of drivers license and not file uploads. Some investigation of the validity of the original phone number used and a trace of the phone number that the account was changed to. I've set up several email addresses to communicate with coinbase, and they get hacked as well. Passwords changed. To keep me from communicating and knowing the updates to my account. As of right now the log in says that my account doesn't exist. This should not be difficult to trace if everything wasn't automated. A simple phone call can save people their life 's savings
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter dated XX/XX/2018, XXXX XXXX indicated that a collection account they are reporting on my credit for {$510.00} would be removed. The letter stated that this debt " should show removed from your credit histories within 4 to 5 business days. '' As of the date of this complaint, a full 24 days has passed with no change to my credit report with any of the 3 credit bureaus. I have even submitted disputes with the credit agencies to no avail, as the disputes have been closed, affirming the information reported is correct. As per the FCRA, the debt is too old to be reporting on my credit to begin with. Responsibility for this inaccuracy lies not only with XXXX XXXX, but also with the 3 reporting agencies as it is their responsibility to ensure that the information they report is correct. Simply taking XXXX XXXX XXXX word is not ensuring accuracy. This is causing me a serious hardship as I am attempting to finance a vehicle and will remain unable to do so until this issue is resolved.
Product: Checking or savings account

I deposited a check through my mobile app on XX/XX/XXXX. It showed as deposited in my mobile app on that day, but by XX/XX/XXXX I still did not have access to the funds. I spoke to ally ( both a XXXX, and then sent to a real person ) via the mobile chat function and that person repeatedly told me that the funds had been deposited and became available on XX/XX/XXXX. I explained how that wasnt possible, that the funds would not become instantly available, and also that I have proof from the sending bank that the funds werent released until XX/XX/XXXX. The agent in the app feature repeatedly told me there was nothing they could do, that the funds has been released, and wanted me to believe I had simply spent or lost {$5000.00} ( the check amount ). When I continued to explain how that was incorrect, their response didnt change and they continued to maintain that my funds had been made available. I asked for a phone number and spoke with an agent on the phone who initially gave me the same non-sensical response, later claiming the money had been made available XX/XX/XXXX ( which was also incorrect ) but when I explained that I am very thorough about balancing my checking account, and that I would ask CFPB to investigate, there was suddenly more information available and the agent acknowledged that I had in fact never gained access to the funds and that it would be up to XXXX more business days before I would have access ( which would now make a total of XXXX weeks before I had access to the funds ). I am extremely uncomfortable that XXXX different agents tried to either convince me that I had the money and spent it, or simply gave me varying information depending on how assertive I was, and also that to this day I still do not have access to the deposited funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request to  XXXX  asking them to validate this account. This vehicle was sold and the balance that they are reporting is inaccurate. The account with  XXXX  has been closed. Per FCRA I asked them to provide me with contract and the bill of sale. The vehicle was sold at an auction. After multiple attemps they refuse to provide me with anything but bogus statements. I contacted the creditor bureas and they to have ignored my request. The only thing they did was update the account to say accounts meets FCRA requirements, since they have made such a bold statement I asked them to provide me with the documentation and information they used to determine this account meets FCRA requriements. My request was very specific but to date still no response. My credit is suffering because of this inaccurate account.
Product: Mortgage

Dear Sir / Madam, I have a Mortgage with Rushmore Loan Management Services. I was current and did not miss a single payment since XXXX. However, the effects of Covid and the circumstances and effects of the slowdown seriously affected my business  in XXXX and I was unable to pay my Mortgage since XXXX of XXXX till XXXX of XXXX. 

Rushmore sent me the XXXX invoice ( attached ) and followed it up with a letter dated XX/XX/XXXX. ( attached ). I wrote a check for the entire XXXX invoice ( attached ) and sent it to them, mailed from the XXXX XXXX XXXX office on the XXXX. of XXXX, As of today, XX/XX/XXXX. they have not cashed the check ( copy attached ) .I have written, faxed and posted my responses, to no avail. Communicating with them is difficult. 

I request your urgent assistance in this matter. 

Thank you, Kind regards XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022 I attempted to transfer money from my Venmo to another financial institution account that I also own. I tried to transfer {$5000.00} and Venmo gave me an error message that you could not transfer more than {$4900.00} in one transaction. Fine. I attempted two transfers, one for {$1000.00} and another for {$4000.00}. It wasn't until the next day that I found out my account was frozen after trying to pay for a service. Luckily, I had my credit cadd on hand. I reached out to Venmo and sent my drivers license, as requested, to verify my identity. It has been over a week and no one has contacted me to fix this. Account reps at Venmo have been vague and very unhelpful. Phone calls have been even worse the supervisors have about as much power as their employees. This account consists of my job paycheck and as the head of my household this is what I use to put food on the table which Ive also told Venmo but they simply do not card they'd rather let this problem linger. Even after receiving enough complaints from customers about this issue, they will not fix it.
Product: Debt collection

This debt was put into judgement in XXXX XXXX, NY  in XX/XX/2013. I told several people who called from this company but that has not stopped the repeated calls. This week I have received 23 calls from this company, personally, I find that excessive to say the least. Most of the employees are incredibly rude and threatening, all have had same line of I was going to be served by the sheriffs dept. and possibly arrested. This debt was not mine as I was a victim of identity theft. I filed all necessary paperwork after the fact, I didn't even know about the judgement until I went to apply for a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX XXXX many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report and noticed these fraudulent inquiries. Please remove these inquiries from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX on XX/XX/2024 i disputed an account on my consumer file ..XXXX XXXX XXXX XXXX  account number XXXX through Equifax for having an incomplete payment history ( no data ) on XX/XX/2024 their response was we updated the item. I check my report on XX/XX/2024 And nothing has been done to the item! It is still incomplete documents attached ( 15usc 1681i a ) states if the completeness or accuracy of any item is incomplete or inaccurate the consumer reporting agency must delete the item from the consumers file.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue with the reporting of my XXXX XXXX  XXXX credit card account, which was charged off and subsequently sold to a debt collection agency, XXXX XXXX XXXX XXXX XXXX. 

XXXX and XXXX : Charge-Off and Sale : The account was charged off in XX/XX/year>, with a balance of {$4200.00}. Subsequently, this debt was presumably sold to XXXX XXXX XXXX XXXX XXXX, I did not receive any documentation from both XXXX XXXX XXXXXXXX other than a notice in my customer portal and spam emails from XXXX. 
XXXX XXXX XXXX : Despite the sale of this debt, my credit report continues to show the XXXX XXXX XXXX account as charged off each month for XXXX months without indicating that the debt has been sold. This is reflected in both my Experian credit report and other credit reports. 

Request for Action : I respectfully request that the following actions be taken to ensure accurate reporting : Update Account Status : XXXX XXXX XXXX should update the status of my account to indicate that it has been sold to XXXX XXXX XXXX XXXX XXXX. This update should reflect that XXXX XXXX XXXXXXXX is no longer the responsible party for this debt. 
Correct Credit Report Entries : Ensure that all credit bureaus ( Experian, XXXX, XXXX ) receive the correct information about the sale of the account. This includes removing the repeated " charged off '' status from each month following the sale. 
Confirmation of Update : Please provide written confirmation once these updates have been made to my credit report. 

Ensuring that my credit report accurately reflects the current status of my account is essential for my financial recovery and creditworthiness. I appreciate your prompt attention to this matter and await your confirmation of the requested updates.