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

To Whom It May Concern, I want to bring to your attention the fact that certain accounts have been successfully removed from other credit bureaus, yet they are still being reported and furnished by your department. Despite my numerous attempts to communicate with you in a legal and transparent manner, you have chosen to ignore the laws established by XXXX regarding the accuracy of information. 

I now demand that the following accounts be deleted and removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Last Reported, and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] XXXX. XXXX XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Date Last Reported, Two-year Payment, and Date of Last Payment ] These accounts have been successfully removed from other credit bureaus, and their continued presence on my report is a violation of the laws established by XXXX regarding the XXXX of information. I request an immediate action is taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Due to some failure to properly verify the information on my credit report, inaccuracies have occurred, which have negatively affected my credit ratings and reputation. Therefore, I strongly demand an immediate removals of these unverified and inaccurate accounts from my credit report in order to restore the accuracy and integrity of my credit history. 


Truly yours, XXXX XXXX XXXX
Product: Debt collection

i sent all verified of receipts payed for services by XXXX XXXXXXXX to allied collections svcs they continue to say i how money which is not true. i have all receipts showing balance of {$0.00}. it has affected my credit score and i have tried to get this removed with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked credit report after being diagnosed as XXXX and forced to retire. Saw on TransUnion, that XXXX was reporting my student loans as adverse and unpaid. When I became XXXX in XXXX of 2018, I contacted XXXX for a forebearance extension, because of my XXXX. They advised that I contact XXXX to have my loan forgiven due to my XXXX, and they told me XXXX would take over the loan. Contacted XXXX at XXXX. Was advised that I no longer had to make payments on the loan, they would notify XXXX, and XXXX now had the loan. I would now enter into a 3-year probationary period with XXXX, and after 3 years, my loan would be forgiven. But XXXX is reporting my loan with TransUnion as adverse and closed for non-payment. I filed a dispute with TransUnion online, which they say never happened, I have a TransUnion File #, and filed with them over the phone as well as mailed documents. They sent a letter back advising that they investigated it for 1 day, and changed the status as transferred to another office. I have documents to include, please. Why take this action against me because of my XXXX. I never asked to be XXXX. I just want to get back to work, which will never happen, and now XXXX and TransUnion work together to trash my credit.
Product: Debt collection

My name is XXXX XXXX, and I am filing my complaint without the help or influence of any third person or agency. Please read the attachments for my full complaint and request.
Product: Debt collection

A company called Delta Management calls several times a week. The person calling is called XXXX XXXX. I have repeated told her that I am not the person she is trying to reach and that I do not have nor have ever had student loan debt. She keeps trying to get personal information from me. I have asked her to stop calling and have had to block her number to stop the harassment. She is rude and hangs up. Their phone number is XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Coinbase response given on XX/XX/XXXX to a prior complaint : " Dear XXXX XXXX, Review of your account shows that you have regained access to your account, as confirmed in support ticket # XXXX. While we consider your complaint resolved, we have determined that your customer experience was not up to our standards. Coinbase has credited your account XXXX XXXX in compensation for your unsatisfactory customer experience. Please reach out to our support team if you have any further questions. Thank you for your patience and cooperation with this matter. '' Sincerely, Coinbase Regulatory Response Team Coinbase did credit my " XXXX '' account {$25.00}, but that is not the problem account. My Coinbase traditional account, which is the first account that I opened with Coinbase is the Problem account. Given I have not been able to login to my traditional account since XX/XX/XXXX and the amount of effort I've made to get this resolved with Coinbase, the {$25.00} credit is like a smack in the face. I've made it clear time and time again to Coinbase that the only reason I opened a XXXX account was to hopefully use that account as some type of assist to get me back into my traditional account. So far, that effort has been a waste of time. 

Again, I DO NOT have a problem logging into my XXXX account. It is my Coinbase traditional account, which was opened on XX/XX/XXXX with my first purchase in this account being XXXX XXXX at a price of XXXX ( XLM ). 

My other holdings in this account include : XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX. 

Coinbase has instructed me to only respond to the email thread below with any future questions, but I have asked dozens of questions over the past couple months using this email thread and I do not receive a response. Some of the questions are the same questions asked again and again. Due to this fact, I have attempted to file a new case numerous times, sometimes via my XXXX account as well, and each time I do, I receive this same automated response below. 

Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support ref : XXXX : ref
Product: Payday loan

Took out a {$200.00} loan in XXXX at Speed Cash in Tennessee. They have debited my account for two years {$60.00} to {$90.00} every month. Its XXXX and they say I still owe {$320.00} to pay off. This is the biggest rip off that I have ever seen. This place need to be stopped.
Product: Student loan

According to my records, my student loan with Navient was paid in full. I made regular recurring payments. In spite of this they turned my loan over as " defaulted '' to the US Department of Education, which is now attempting trying to garnish my tax refunds. 

The US Department of Education sent me a letter giving me 15 days to dispute this, while refusing to provide me with the loan history and payment information I requested of them. They letter was dated XX/XX/XXXX, I received it on XX/XX/XXXX! 

This is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with the accounts below I recently sent a Complaint on XX/XX/XXXX XXXX I'm bothered by the results I sent documentation of proof that XXXX has broken the law. I'm sorry but CFPB did nothing there are multiple infractions with documentation. 
one of which never actually validated my dept since XXXX but continued to send my validation letters. completely unacceptable. 

In accordance with the fair credit reporting act convergent account # XXXX and account number XXXX have violated my rights. 

15 U.S.C 1681 Section 602A 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 written instruction. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : look at the images attached. XXXX debt was supposably verified but shows the debt was truly never validated still shows an update date in XXXX even though the CFPB said everything was okay on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX belongs to my ex. Divorce paper signed by the judge supplied. Paperwork clearly states the separation of debts. Unable to talk to reps because Im not the primary account holder they refused to talk to me but yet continue to acknowledge the debt holder being me I supplied proof and they continue to deny, without providing further explanations
Product: Credit reporting or other personal consumer reports

Please see the attached notarized and dated affidavit supporting my claim of inaccurate reporting on XXXX student loan accounts listed on my credit report. The accounts in question are as follows : DEPTEDNELNET ( Account Number : XXXX ) ** DEPTEDNELNET ( Account Number : XXXX ) ** DEPTEDNELNET ( Account Number : XXXX ) ** DEPTEDNELNET ( Account Number : XXXX ) ** DEPTEDNELNET ( Account Number : XXXX ) ** DEPTEDNELNET ( Account Number : XXXX ) ** The reported 90-day late payments on these accounts are inaccurate. During the reported dates, my loans were deferred meaning no payments were due, and no late payments should have been reported. I was on an income driven plan, and I was making no income. There was a class action lawsuit filed against Nelnet in XXXX, which resulted in a decision to delete inaccurate information, yet these errors persist on my credit report in XXXX. 

I am keeping a detailed paper trail of our correspondence in case legal action becomes necessary again. I will not hesitate to seek monetary relief for financial harm and emotional distress caused by this prolonged inaccuracy. Over the past 10 months, I have sent disputes and CFPB complaints to both Nelnet and the credit reporting agencies, accumulating substantial evidence of your failure to resolve this issue. 

I demand that these accounts be updated immediately to reflect the correct status : paid as agreed, never late. This correction must be completed within 30 days.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX  XXXX XXXX XXXX  {$970.00} XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  O ) XXXX BALANCED {$1700.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and the associated information furnisher for inaccurately reporting late payments on my Auto Loan account with account number XXXX This incorrect information in my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection Against Non-Payment of Obligations Act ( PAANL ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

1. FCRA : The credit bureau and the information furnisher have failed to ensure the accuracy of the data in my report, and the incorrect information continues to appear despite my request for a manual and thorough verification, as required by the FCRA. The lack of manual investigation, as well as possible reliance on the automated E-Oscar system, constitutes a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic billing statements within the legal timeframe of 21 days before the payment due date, which has resulted in the incorrect reporting of late payments. I request the provision of records demonstrating compliance with TILA requirements, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5. 
XXXX. UDAAP : The inaccurate information regarding my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under UDAAP regulations overseen by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 .
Product: Credit reporting, credit repair services, or other personal consumer reports

Millennium Financial Group XX/XX/2021
Product: Credit card or prepaid card

I have not been XXXX XXXX since XXXX. This arrived at my parents address recently! XX/XX/XXXX!
Product: Debt collection

I was subject to identity theft fraud. I have had bank accounts opened in my name. Multiple apartments were applied for in my name. Unemployment from various states was applied for in my name. I am still having ongoing issues with this regarding banks and various other apartment buildings in XXXX I only now am starting to get alerts as to how many various ways my details have been used. Please remove the apartment collections it from XX/XX/XXXX. I saw certain inquiries on my report but didnt really pay much attention to them as I thought my details had been sold on to a third party. Please remove any fraudulent inquires from XXXX to XXXX. I have requested a copy of transaction records from each account and inquiry listed and have received nothing from any of them and it has been well over 30 days despite the requirements set out by the FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX did a credit check inquiry through experian without my consent. I believe it was potential identity theft. I live in a diffrent state then Nebraska so it wasn't me trying to open an account.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

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 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
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is been reporting an inquiry by Miscellaneous and public record XXXX XXXX on XXXX. I have c no business with this company neither authorized them to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient/XXXX have been reporting to the credit bureaus for years, rightly so. However, on XX/XX/XXXX I received a settlement offer letter to settle my student loan debt. We sent the settlement amount, the check was cashed, but now they say I still owe almost {$850.00}. On XX/XX/XXXX, after numerous calls and transfers to different departments, I was told by Navient/XXXX to submit my paperwork ( settlement offer and copy of check ) to XXXX XXXX Claims. I was told to note the reason for the fax as Navient XXXX Offer Management. I faxed the information to XXXX and was told they would open a ticket to investigate and to call back in 7-10 days. I called back after 7 days and was told that Navient didnt authorize the settlement, even though XXXX did ( theyre together ). They stated that the balance of {$850.00} is still owed and theyve been reporting the loan as defaulted to the credit bureaus.
Product: Credit card or prepaid card

Im writing this letter to disput a claim that is falsely reported on my credit report. The company name is chase, they claim that I owe {$6000.00} which is not true, I had several fraud charges on my card I contacted chase about it they did not resolve the issue. I submitted some of the fraud transactions at the bottom of the page.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/2020 I was notified of an account being reported to my credit file ( s ) as a collection. The invalid an inaccurate account and creditor is " XXXX XXXX XXXX  ''.

To begin, I've never heard of or have ever done ANY business with this company in my life, I have absolutely no idea who they are. After doing some research I found out that they are a scam collection company who buys so called debts and they have a high reputation of illegally placing collections on consumers credit files. Secondly I'd like to be clear that I have never signed a contract, given any personal information ( ex : Social Security Number ) in regards to applying for credit/credit check nor even given consent to this company in any form to use any information they have ( which can't be much being I've never done business with this company ) to even be able to place anything on my credit file ( s ). Thirdly please be fully aware that this company has now violated sections 609, 617 and 619 of the FCRA in the matter of their blatant disregard of giving valid proof of the validity of this account with their company! I have no signed contractual agreement with this company who please be advised is a 3rd party collection company and again I've never done business with them in any form or fashion. This is an unlawful act and I plan on seeking a lawsuit if this erroneous item is not removed from my credit file ( s ). Also I've never received anything from this company stating where this supposed debt even came from. I'm also now asking the company to give valid proof if they believe this debt to be mine, meaning a physical wet signature contractual agreement between myself and XXXX XXXX XXXX within 5 days. A digital signature and other forms of trying to prove this account to be mine will not suffice due to the nature of this collection and me never working with or doing business with this company. If not given that proves the invalidity of this fraudulent account on my file and by FCRA law needs to be removed within 30 days.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I believe I was misled by the original company that I signed up for the reverse mortgage that went bankrupt and was taken over by Carrington Mortgage Service LLC Under the original contract there was to be interest growing for the future as I was led to believe beside the asset value of my house. But I have NOT seen such reporting on any of the reports since Carrington took over and I have asked them to explain. And I have not heard back from in more than 30 days.