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

I have been going back and forth with XXXX XXXX XXXX for at least 2 years now regarding some accounts they added to my XXXX, Equifax, and XXXX credit reports that absolutely does not belong to me. Every time i ask them to investigate and update their files by removing these accounts that are not mine, they always send a generic letter stating the accounts were verified. I've sent several certified letters to XXXX XXXX XXXX as well as XXXX, Equifax, and XXXX asking for proof or validation of these accounts and each time they just ignore me or resend the same generic letters that says " verified ''. This is how I know they are not doing their due diligence and taking out the time to perform a real investigation. I've even reached out to XXXX, Equifax, and XXXX and pointed out all the discrepancies on my credit reports such as different dates of last activity, different dates the accounts were opened, different spellings of my name, different amounts owed, all from the same accounts but the XXXX credit bureaus all have different information. Outside of the fact that these are not my accounts, all these unfactual discrepancies alone should've had these accounts removed from my credit file. As a consumer I have rights and I feel like those rights have been violated by XXXX XXXX XXXX as well as XXXX, Equifax, and XXXX.
Product: Student loan

Attached you may find proof of consecutive payments to XXXX XXXX. Navient reported private loans to the Credit Bureau as charged off and closed. XXXX has informed me they do not own the account and are simply collecting on behalf of NAVIENT and NAVIENT owns the account and can report the account in repayment. XXXX is not reporting the account. I am trying to enlist in the XXXX XXXX and to complete enlistment the XXXX XXXX needs a XXXX Online Report reflecting payments and updated status on Navient private loans. My enlistment is contingent on providing clarification of this reported charge off by NAVIENT on my credit report as in good standing and under repayment. Please help my dream come true to serve for my country. A Supervisor from XXXX XXXX has asked me to contact NAVIENT and speak to a supervisor since they do not own the loans and I have been repaying on time since XXXX of 2012 and payments are going to NAVIENT and not XXXX. I kindly ask for your assistance in facilitating any communication to the Credit Bureau since the loan is appearing as NAVIENT charge off.
Product: Credit reporting or other personal consumer reports

I am reaching out for your assistance regarding this incorrect account on my credit report. This matter has damaged my reputation, and I need your help. The improper handling of my credit report has left me devastated, and your inaccurate reporting has destroyed my reputation. Please correct these errors so I can have peace of mind with my family.
Product: Credit card

I went to XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX, The employee asked if I would like to sign up for a store account and I filled out all the information for what I thought was the store account for TJX, It got declined so I don't have a card but it effected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing with all three credit bureaus and included police report as well with Federal trade commission report I have asked all three credit bureaus to send me documentation with my signature on what was allegedly owed and the fail to do so and ignored my request coming to cfpb is my last resort before i file legal actions against all three credit bureaus for not complying
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate items that is reporting on my credit file : XXXX XXXXXXXX is inaccurately reporting on my Equifax. This is not mine. 

XXXX XXXX is not my account and it is inaccurately reporting on my XXXX. 

XXXX XXXX XXXX is not my account and it is inaccurately reporting on my XXXX. 

Incorrect Addresses : XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XX/XX/XXXXBLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a XX/XX/XXXX The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XX/XX/XXXX XXXX XX/XX/XXXXIncorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXXXX/XX/XXXXXXXX XXXX XXXX - XXXXXX/XX/XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXXDOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XX/XX/XXXXPART XXXX [ DOCKET NO. XXXX ] XX/XX/XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the original creditor reporting an inaccurate account in which I have tried to address with XXXX, the collections agency XXXX XXXX and the credit bureaus. They will not provide me with information on how they are verifying that this is accurate nor have they removed it within the allotted time per my FCRA rights. Their investigation has been ongoing for several months. I also requested validation of the account from XXXX to which they have not addressed or responded.
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 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, 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

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Credit reporting or other personal consumer reports

Fraudulent XXXX XXXX  XXXX account reported in check system
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an collections account from XXXX XXXX XXXX for XXXX appeared on my credit report. I have disputed this account with Equifax multiple times once on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX every time it came back verified. How can it be verified when the information isnt accurate they have my first date of delinquency as XX/XX/XXXX but, the original creditor XXXX XXXX confirmed my first date of delinquency as XX/XX/XXXX. Even if you add 180 days from that date you still dont get XX/XX/XXXX witch means my rights were violated. So Im asking that the account be deleted three times the account came back verified but its inaccurate I never got any notice at all I had to go look and call for myself.
Product: Debt collection

Attempted to call agency that has active collection open., and was advised to send dispute letter which I did and provide current address.
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 XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # : XXXX, Account name : XXXX XXXX  # : XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ), no entity is permitted to access my credit report without my explicit consent or a permissible purpose. The following hard inquiries appear on my credit reports without my authorization. I am demanding their immediate removal as they violate my consumer rights. 

As of XX/XX/XXXX, the unauthorized inquiries include XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( two  entries ), XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  on XX/XX/XXXX ; and XXXX XXXX on XX/XX/XXXX. 

Per FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate or unauthorized items on my credit report and demand their correction or removal. These inquiries have negatively impacted my credit score and must be deleted immediately.

I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer.

* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions.

* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate.

I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.
Product: Checking or savings account

I opened an account with First Horizon Bank in the local branch under a promotional offer of {$450.00} cash once the qualifications are met. As clearly shown in each monthly statement, I have met the requirements listed in the promotion offer that requested maintenance of an average daily collected balance of {$5000.00} in the total deposit balance and a minimum of XXXX qualifying client-initiated transactions for each statement cycle for the first 3 full statement cycles, but not received the bonus after the 10 business days as listed on their offer. I have tried to communicate with First Horizon online customer service and local branch officer for one month, still not resolved and no one can provide me with a resolution or clear explanations for why I haven't received the bonus yet. Detailed timelines are listed below : - XX/XX/year> : opened the account as a new customer at a local branch and deposited a check of {$5100.00} on the XXXX day of account opening ; - XX/XX/year> to XX/XX/year> : maintain over {$5000.00} daily balance and over XXXX qualifying client-initiated transactions for each statement ( clearly shown in each monthly statement, and happy to provide if needed ) ; - XX/XX/year> : contacted customer service for the bonus deposit, however, did not receive any clarification/explanation about why the bonus is not posted to my account on l, and the online customer service representative sent me the secure message asking me to contact local officer for better clarification ; - XX/XX/year> to XX/XX/year> : contacted the client manager at the local branch and the manager helped to check my account status and could not explain the reason why the {$450.00} bonus has not been posted. In the end, he put an internal request to the internal bonus determination department and told me to wait for the responses ; - XX/XX/year> : The local client manager suggested me to contact customer service online as he hasn't got any answer or clarification neither after waiting for 1 month. 

- XX/XX/year> : Called customer service and the representative pushed me back to the local branch as my account was opened at the local branch. 

This is so frustrating and never had such a bad customer experience before. Neither the online customer service nor the local branch officer can help me on this, and I'm not sure who I should seek help with.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigatio
n, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Bank account or service

In XXXX of 2016, I received notice from Bank of America that my Safe Deposit Box, which was free of charge for the past ( 10 ) ten years, would now be assessed a {$63.00} annual fee. Being that I have rarely, if at all used the Safe Deposit Box, I attempted on ( XXXX ) XXXX occasions to close it. With each attempt, I was met with resistance from the Bank of America Branch Personnel. The following are the types of resistance which were presented to me. ( 1 ) " You must make an appointment and come back at another time. '' ( 2 ) " You must have a government issued ID. The ID on your Bank of America Debit Card is not sufficient. '' The Safe Deposit Box is empty and all I would like to do is return the keys. I was told if I did not return the keys, I would be assessed a {$250.00} rekeying fee. This is the last account I have with Bank of America, since I have closed my checking account, but I continue to receive notices concerning the {$63.00} annual Safe Deposit Box fee.
Product: Vehicle loan or lease

On XXXX 2021 I sent a Validation of debt letter to Wells Fargo which was ignored so I sent another one in XXXX, XXXX, and finally I emailed the validation of debt letter and I still have yet to hear back from the company even after they said it would be looked at. Its been 0ver 45 days since I made this demand and they havent responded back at all. I requested a cease and desist back in XXXX 2021 which they have violated by sending negative information to consumers reporting agencies. Ive also requested my rights to rescission paperwork as well and that request has been ignored. Ive received a threatening letter that my vehicle would be repossessed as well. My rights as a consumer and the original creditor have been violated. They have violated the truth and lending act.
Product: Money transfer, virtual currency, or money service

10 days ago, a man by the name of XXXX XXXX XXXX logged into my XXXX account and withdrew about {$160.00} from the account to his PayPal. I contacted the site ( XXXX ) about it, but they haven't answered. They left some personal information on the account and if it helps I will list below : First Name XXXX Last Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIP XXXX Date of Birth XX/XX/2000 Country of XXXX XXXX
Product: Money transfer, virtual currency, or money service

I set up a Coinbase account a little over a year ago and was locked out of my account with around {$50000.00} and an open trade position on XX/XX/2020, which is a month and a half ago as of writing this complaint. 

When I first noticed the issue, I tried calling Coinbase customer support and found that it was a recording that tells you to submit a request through their website as there was nobody to speak with. I submitted a request through the website on the same day ( XX/XX/2020 ). The only message I got back was an automated email saying their team was working on the issue. After several days of hearing nothing back, I tried responding to the email and received another automated email saying the case was closed and if I had further questions to submit another request through their website. There was no explanation and no access to my money. 

I submitted another request and had the same experience. Since the date my access to my money was cut off I have submitted around 15 requests, tried contacting numerous times on XXXX, XXXX, XXXX, etc. and all of my attempts to contact them have been ignored. I did some research online and I was shocked to find thousands of other people who are experiencing the same thing as I am, as well as they have received XXXX requests in 6 months from FBI, ICE and other agencies according to XXXX XXXX and many other reliable online sources. This is a link to one of many articles that I found https : XXXX This is literally the worst customer service experience I've ever had with any company. This money was my life saving and I have had to pay my bills with credit cards as I have no access to my money. This has put me in a very difficult situation financially. It's almost XXXX and I have a wife and XXXX children.
Product: Payday loan, title loan, or personal loan

I have submitted this complaint previously ( XXXX ). You sent the information to Wells Fargo which is where I started, and their response was they needed more time. Ultimately they said what they'd said previously which was, you are responsible, even though they couldn't produce any evidence whatsoever indicating I had ever asked for, attended a meeting for, or supplied identification for a LOC - since I had not. They even acknowledge that my spouse, now deceased, authorized auto-deductions from my account to make the payments. A banker at my local branch referred the matter to the " Building Trust '' unit, who didn't respond with anything other than a claim number. I need actual help to get this fraudulent loan behind me.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX Documents were uploaded twice on XX/XX/XXXX & XX/XX/XXXX I filed disputes with the expectation the fees would be reversed. I never had a XXXX subscription. The trial subscription was cancelled a few days after opening the account as i learned the third party network i signed up with, XXXX XXXX, ran a scam. 

XXXX XXXX cancelled my account after receiving my identification. and capital one has let XXXX XXXX and XXXX get away with it by not accepting and approving my disputes. as a result, these companies were not reprimanded. 

capital one misrepresented what charges were being disputed and my DISPUTES were denied. i had to appeal the decision twice. and in denying my case. i was forced to make payments all year long during XXXX for a balance i do not owe. incurring late fees and interest IN THE PROCESS. 

capital one owes me money. i want my money back. I'M TIRED OF MAKING PAYMENTS CAPITAL ONE 'S ACTIONS ARE DISCRIMINATORY.
Product: Credit reporting or other personal consumer reports

For several months I have been trying to get current copies of my credit report, I am unable to access experian.com I am unable to speak to anyone over the phone and I haven't received acknowledgment of the police report submitted for Fraud on my credit profile. I am a victim of identity theft.