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

I would like to draw your attention to the fact that I have doubts about the correctness of the information that is affecting my consumer rights and appears on my credit record. I feel that I am entitled to be handled fairly by the people in charge of this data. Please provide me all of the information that is available on how the errors happened and how you plan to fix them to guarantee adherence to the Fair Section 611 of the Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681I ) and XXXX XXXX compliance requirements. 

XXXX  - THE XXXX {$880.00} XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$880.00} XXXX XXXX CO XXXX XXXX {$0.00} CALIFORNIA XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX XXXX {$570.00} XXXX XXXX - XXXX {$3400.00} XXXX XXXX - XXXX {$700.00} XXXX XXXX XXXX - XXXX {$700.00} XXXX XXXX XXXX - XXXX {$3300.00} XXXX XXXX XXXX - XXXX {$3400.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Coinbase has failed to report over 1.5 years worth of interest earned. 

XX/XX/2023 : Coinbase told me they were looking into the fact that the interest I was supposed to earn wasn't showing up in my account. 

I have emailed them several times since then and have recieved nothing but emails saying they have " escalated '' the matter. I have heard NOTHING from them since XX/XX/XXXX ( almost four weeks ago ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit repor The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. 


The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

XXXX XXXX  had fraudulent activity on my credit which prompted me to pull my credit on XX/XX/22. I found XXXX inquiries and a new XXXX  card that is not mine. when I called FORTIVA they said it belonged to someone in Georgia. My Identity was stolen. I made a police report - I have sent an affidavit of fraud, notarized, with my ID and my police report to this company and they are STILL telling XXXX that the account is mine. I am so dissatisfied! this is fraud and I am a victim!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late, for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX, division of XXXX XXXX. Account : XXXX. Please investigate and provide Proof with statements showing that these payment were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX-18 My credit history is incorrectly showing two unpaid medical bills still owed to collections company " Financial Accounts Services ''.

Amount # 1 : {$4100.00} Amount # 2 : {$280.00} These medical expenses were confirmed as settled.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy. And it also states under 15 USC 1681 section 604 a section 2 that a consumer reporitng agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor can not treat a payment on a credit card account under an open end consumer credit as late.

They have violated my person 's rights and I intend to sue if they do not update and delete accounts in question.
Product: Mortgage

The borrower submitted an application for loss mitigation XX/XX/XXXX, XXXX. After several calls to the servicer for updates and no requests for additional documentation made or mention of a flex modification we were finally told on XX/XX/XXXX the borrower was being reviewed for a Flex Modification - no documents needed. The Borrower was offered a trial modification on XX/XX/XXXX and then received notice of the loan being accelerated and referred for Foreclosure on XX/XX/XXXX. We believe this is dual tracking as the borrower was in review for a workout before the loan was accelerated.
Product: Credit reporting or other personal consumer reports

The accounts listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

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

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT. PLEASE INVESTIGATE AND HAVE THOSE REMOVED IMMEDIATELY. I AM DISTRESSED BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( TransUnion, XXXX and XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with SYNCB/AMAZON, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/AMAZON and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SYNCB/AMAZON with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  AND XXXX ARE NOT MY ACCOUNTS. REMOVE ME AS AUTHORIZED USER IMMEDIATELY. 

XXXX IS THE OWNER OF THESE ACCOUNTS. THE LAST 4 OF HIS SOCIAL IS XXXX.
Product: Payday loan, title loan, or personal loan

This account has been paid off and closed but it is still showing on my credit report as high balance.
Product: Mortgage

Habitat for Humanity refuses to take their property out of my name and it 's steady causing me financial problems, hardship, and stress. The house was built incorrectly and the foundation had pulled away from the house which made the house impossible to live in from the rats and bugs infestation. Habitat refused to resolved the issues and help me. I lost everything including my home. I 'm still being stressed out about this issue.
Product: Debt collection

A medical bill from XXXX XXXX was sent to collections that I was unaware of, never received. I discovered this because it went right on the my credit report. No attempt to collect the debt by either by either XXXX for this supposed amount owed or by collections. Spoke to XXXX on XXXX and was told it was n't there bill and referred me to XXXX billing. Spoke to them XXXX and was told that the bill was incorrect and would be taken off and I would receive a letter of confirmation. Spoke to collections on XXXX to make sure it was taken off and it was n't. Spoke to XXXX from XXXX billing on XXXX who told me the previous agent I spoke to was incorrect, that I owed a different amount listed on my credit report. I spoke to collections the same day and was told a completely different amount than what XXXX told me and what was listed on my credit report. I began to dispute the validity of the debt because of the different answers I had been receiving and was told I would by collections that a letter would be sent to me for proof of debt. This letter was never received. I now believe this is fraud. I may have received services on the supposed day of the debt but I believe this is false charge they tried to sneak in due to getting different answers from different people and failure to provide proof of debt.
Product: Student loan

I am needing to have someone investigate the interest on my student loans. I graduated in XX/XX/XXXX. My loans were consolidated with a principal amount of {$42000.00}. My loan was transferred to Navient in XXXX and had already accumulated over {$20000.00} in interest making the total for both subsidized and unsubsidized {$61000.00}. As of today in XXXX, I have an excess of over {$30000.00} in interest for my student loans. Never really explained the accumulation of interest when in forbearance. I am in an IBR repayment plan because I have never gotten a better paying job as of yet and it is very unfortunate for those of us who financially can not afford to pay the full payment to be hit with so much interest. My interest now is almost greater than the principle amount and this has burdened me mentally to know I owe so much and don't have a clue how to pay this any other way but to continue to gain interest. This makes me feel that getting this education is more of a burden to me than it has helped my life and I find myself in tears a many times wondering how I will ever rid this debt without continuously gaining interest at the same time. As a single mom, I was unable to attend previously and after finally being able to go, I was was hoping to improve my income having graduated. This is now a burden to me and prevents me from getting ahead. I need someone to investigate the interest I am being hit with on this student loan ; its ridiculous that we as American citizens pay so much for an education and my now XXXX yr. old daughter who also received her XXXX degree, tells me she think education is over rated. What a punch to learn after 50 years of life and never being able to complete my education until the age of XXXX but with so much burden behind it.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against XXXX, Experian, XXXX, and XXXX XXXX regarding the inaccurate reporting of my credit information under the CARES Act. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. The purpose of this complaint is to seek your assistance in addressing the discrepancies in credit reporting that have negatively impacted my financial standing. According to the CARES Act, enacted to provide relief to consumers during the COVID-19 pandemic, lenders are required to report accounts as current under certain circumstances, particularly when consumers are facing financial hardships such as unemployment. I have encountered a situation where this provision was not appropriately applied by the credit bureaus and XXXX XXXX, and it has adversely affected my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/24 Good Evening I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete account listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX  Closed Acct - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate, account status and history not accurate- Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention! 

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

I have submitted several complaint to XXXX XXXX sent me a response that they deleted this change off on XX/XX/20. it still has not been removed from my credit file. As well as Experian & XXXX are reporting this incorrectly. I submitted method of verification to credit reporting agncies and they do not provide explanation of verification
Product: Checking or savings account

I opened an Account the Beginning of XXXX to deposit my tax refund check. I thought I wasnt going to be able to ipen an account on having a prior account years ago that I mightve owed maybe XXXX dollars. They did not see any record of that, I deposited my check and the funds were cleared the next day. A couple days later I try to check my balance and my mobile app stated I wasnt able to login in due to some fraud. I called and spoke to a rep who then stated that my account was pending closure XX/XX/year>2024 and the rest of the funda would be mailed to me. It has been well over a week and I called to see if I could get a date when the check was mailed out. A rep then told me they are holding the funds because they want a paystub from the XXXX XXXX XXXX which I never receieved when I deposited the check in the first place. ANOTHER rep then said theg wouldnt except my tax transcript from this year and they needed to speak with someone DIRECTLY from the XXXX XXXX XXXX which is impossible. I just wanted the rest of my money from my account. That was a LEGIT TAX REFUND CHECK that I had already had to verify my identity XXXX  just to have it mailes and not deposited. I ould like this resolved asap. I have bills I have to pay and chase bank is making it hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is over XXXX XXXX XXXX. I never made payments on this account because it is a fraud account. A loan was taken out in my name using a car title and never paid back. I found out about the loan when my car was booted and repossessed the same day by the creditor and sold for pennies on the dollar. The creditor did not contact me about how to get my car back, where my car was located to pay whatever fees. it was simply " sold at auction '' and I was not advised where the auction would take place. The car had over {$20000.00} in upgraded parts including a custom supercharger, fully build block and head, complete suspension, custom forged wheels, a hand built transmission and signed by XXXX XXXX on the passenger airbag before he passed away at XXXX XXXX XXXX in XXXX XXXX california. 

When I dispute this account they report on my credit that a payment was made or that the account was in good standing extending the 7 year rule to remove the report on the account. It has been removed from XXXX and XXXX credit reports after investigation but the creditor adds the account when file a dispute on XXXX of the other credit reports rotating the account through the XXXX credit reporting agencies. on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint in about XXXX XXXX XXXX servicer on XX/XX/2019. This was in regards to student loans. Please see complaint # XXXX where XXXX stated they would remove the loans off my credit report. However, the loans still appear creating a debt to ratio income factor. 

No to mention the loans are not validated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the losses
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to the following company and have not received my desired results. Please see my attached documents and have the company remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Remove Unauthorized Hard Inquiries Dear Equifax, I am writing to formally dispute the accuracy of certain hard inquiries appearing on my Equifax credit report. Upon reviewing my report, I have identified several inquiries that I do not recognize or authorize. These inquiries are negatively impacting my credit score and need to be verified or removed. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you investigate these inquiries. If these inquiries can not be verified as authorized by me, I ask that they be promptly removed from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Enclosed are supporting documents for verification purposes, along with a copy of my credit report with the disputed inquiries highlighted. 

Please notify me in writing of the results of your investigation at your earliest convenience. If additional information is required, feel free to contact me directly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting

I sent XXXX XXXX XXXX o And Experian multiple requests regarding the removal of an old mark on my credit from XXXXAccordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Product: Money transfers

I wanted to sell a few things on Ebay. Ebay instructs sellers to create a Paypal account in order to sell on its website. Ebay collects the sales price and then disburses the proceeds, after deduction of Ebay 's fees, to the seller 's Paypal account. I therefore applied for a Paypal seller 's account so that net sales proceeds could be paid to Paypal. Paypal requested and I supplied my bank account information and a credit card. They also demanded documentation of identify. I uploaded a copy of my driver 's license. The bank account was verified and the credit card was approved. I received an email message from Paypal that I was " verified. '' A few hours later I received an email demanding that I supply a copy of my credit card statement and my bank account statement. This demand is what I find to be overreaching. The credit card statement reveals my credit limits and other personal information. My bank account statement reveals my deposits, payments, to whom these payments are made, and other private information. I do not wish to reveal this information. It is too intrusive just for the ability to sell a few things on Ebay. To have this personal information become part of the business records of Paypal to do with it as they please is concerning to me. And no entity appears to be immune from hacking. These statements in the hands of hackers could cause me identity theft problems and could open the possibility of my bank account being accessed and my credit card impacted. Additionally, I have separate buyer 's account at both Ebay and Paypal. The Paypal buyers account has been in use for about 10 years without any misbehavior by me so that these additional requirements seem to be overreaching and designed to obtain unrestricted access to my accounts. It also creates privacy and overreaching concerns. There is no legitimate reason for these requirements.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, i have issued a cease and desist letter to the company and i still continue to get harassing calls and letters on a account that do not belong to me, they are in violation