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

There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me..XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About 3 weeks, I reported fraud to Experian and explained that my identity was stolen and that I have no knowledge of the credit card creditors listed on my credit report. I also explained that I had made an official report of my identity being stolen through the CFPB. Experian never followed up with me regarding one of the decisions they made to keep one of those credit card creditors, named XXXX Bank XXXX on my report. It wasn't until I checked my credit that I saw Experian 's comment of completing the investigation - in support of the creditor that I have no knowledge of. Experian did not properly investigate because they made a decision in only about two weeks to keep the unknown creditor on my report -even after I informed them that my identity was stolen and that I had reported my identity stolen. If they had properly investigated, they would have found that I have never lived at the addresses listed on the creditors files, I have never signed anything authorizing credit, and that my name is misspelled and listed incorrectly. My name have been listed fraudulently on creditors file as XXXX or XXXX. I also reported to Experian that I have no knowledge of the following creditors and that they are fraudulent activities because my identity had been stolen -and could have been do so through breaches of Experian and XXXX ; and that I have officially reported my identity stolen through CFCP Identity Theft 's reporting. Those creditors listed that do not belong to me, as I have never applied for them are : XXXX Bank XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  I would like for these to be removed immediately, as I do not have knowledge of them, they do not belong to me, and my identity was stolen. Also, I have disputed XXXX as being listed twice on my credit file. I would like the one that I have disputed removed from my credit file.
Product: Debt collection

AARGON COLLECTION AGENCY. XXXX XXXX XXXX XXXX XXXX XXXX. Is breaking Federal Law on a daily basis by harrassing consumers with medical debts less than 180 days old contrary to Federal Law. I explained payments were made but they continued. Some payments were reflected but the letter they sent said they did not have an arrangement. The debt started XX/XX/year>. The collections started prior to XX/XX/year>. The final amount they harrassed me for was only XXXX.
Product: Credit reporting

Last 2009 when I was stationed in XXXX for the XXXX XXXX I bought a XXXX through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the Experian, XXXX and XXXX and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am filing a complaint with Consumer Protection Bureau against Capital One and XXXX. I didn't authorized this {$50.00} charges and when I first bought the XXXX year subscription I did it using Capital One XXXX application, so I don't know how XXXX got my credit card Information. It looks like Capital One is selling customers Information. I  contacted Capital One to dispute the charged but they told me that XXXX is a preferer merchant, that they can get my information even if I don't authorized it. Attached are all the documentation that I had tried to fix the issue with Capital One and XXXX. 
Please help.
Product: Debt collection

Capio Partners LLC is still reporting a debt on my credit report after this debt has been paid in full to the original medical facility.
Product: Credit reporting or other personal consumer reports

I contacted Bank of America a lot of time but recently on XXXX XXXX when I noticed unauthorized charges from my checking account to my credit account. In XX/XX/XXXX, I agreed to a home warranty with XXXX XXXX XXXX ( XXXX ) for $ XXXXmonth or $ XXXXyear. Despite paying for XXXX months, when I filed claims for appliances and HVAC services, AHS charged me {$200.00} ( {$100.00} per claim ). 

They never fixed anything and denied my claims repeatedly while still charging my credit card. Even after cancelling my account, XXXX continued charging under different names and increased amounts. I requested cancellation and a refund but received no response. Despite disputing payments with my bank, I only received partial refunds. Bank of America 's fault department closed my case without properly investigating my evidence. I've tried to stop automatic payments, but the bank keeps deducting money, leading to fees and late charges. 

On my XXXX ending in XXXX, I turned off auto payments after a {$300.00} deduction on XX/XX/XXXX. However, on XX/XX/XXXX, the bank again deducted {$970.00}, claiming it was for interest and fees, then closed the account. Yet, I still owe {$11.00}. When I called customer service, they kept transferring me without understanding my issue or providing assistance, they said I am waiting they contacted to supervise but after that disconnected phone call, the bank did it several time, it is so bad, because they automatic got my money paid to credit, the credit I am not used. 

On credit account # XXXX, I paid {$410.00} to the XXXX XXXX two years ago, but they didn't do any work and didn't refund my deposit. Despite numerous attempts to resolve this with the bank, they haven't been helpful, and now my credit card is in collections. I've explained the situation to them, but they insist I owe the money. I've tried to work with the fraud department, but they haven't acknowledged my evidence. Bank of America reduced my credit limit to {$2000.00}, negatively impacting my credit score, and currently they look all my credit card. 

I hope this complains Bank Of America, the CFPB can assist me in resolving these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to deletXXXX immediately : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was canceled on the following date : ( XXXX XXXX  ). Since then, the account has been updated as canceled every month. This is an update in the payment history. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You did not investigate this account properly, and your negligence has violated my rights. I demand the deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reached out to COLLECTOR, THEY CAN NOT TELL ME WHAT THIS BILL IS FOR, I ALSO REACHED OUT TO XXXX. THEY DO NOT HAVE ANY OUTSTANDING DEBTS FOR ME ON FILE. I CONTINUE TO HAVE XXXX XXXX XXXX SERVICE AND HAVE HAD THEM FOR OVER 10 YEARS.
Product: Credit reporting or other personal consumer reports

I tried to apply for credit and a soft pull was done and was denied based upon the information reporting on my credit report. When I checked all XXXX bureaus, XXXX, XXXX, and Experian, they have been reporting information on my credit report without my permission. This in itself resulted in denial of credit with merchant
Product: Mortgage

My mortgage is serviced by Chase. On XX/XX/2019 I made my XXXX mortgage payment early. I had autopay set up with Chase, and Chase drafted a payment of {$3600.00} on XX/XX/XXXX, even though the XXXX payment had already been made. This overdrew our checking account, and I had to spend considering time and expense rectifying the situation. 

I did not expect that Chase would do this because 1 ) The autopay page on their system showed XX/XX/XXXX as the 'due date ', after the payment for XXXX had been made and stated 'your payment will be drafted *on the due date* ' 2 ) I had at some point been assured by a Chase CSR that they wouldn't do this. 
3 ) I have never had a servicer do this ; there is simply no reason for a servicer to take a payment which has already been made three weeks earlier, the autopay authorization not withstanding. The autopay is an authorization to take the payment *on the due date*, not to process payments arbitrarily. 

Chase 's position is that they did nothing wrong. They claim that the XX/XX/XXXX draft was taken so as to be applied to XXXX payment ( see attached correspondence from Chase ). Moreover they say that on XX/XX/XXXX they sent me a text warning me that the next payment would be drafted in XXXX. I attach the text, and it has all dates omitted due to an error in Chase 's system. 

Chase has capriciously set up a system which takes payments whether or not they are due - there is no reason for them to take XXXX 's payment in XXXX - their own system had confusing and misleading information about when the next payment would be taken, and their notification system was defective, omitting dates in a key text. 

Their reckless behavior could easily have lead to a disaster had I not noticed and rectified the overdrawn checking account that day. They have refused to take any responsibility, or compensate me for the time and expenses involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent disputes to XXXX, Equifax and XXXX about the following inaccurate and unverifiable accounts. I have done my research and according to the FairCredit Reporting Act, my consumer rights have been violated by these credit reporting agencies and their failure to reinvestigate the accuracy of my credit reports, as well as their failure to delete all inaccurate information. This is ridiculous! Additionally, XXXX will not review my dispute requests and continues sending these outrageous response letters saying " it didn't appear that you or a properly authorized third party sent this to us '' which is false and unacceptable. Each credit reporting agency has a proof of my ID and proof of my address to confirm my identity and support my disputes. These stalling responses are clearly a way to get out of doing their job in accordance with the credit reporting laws as there are MULTIPLE errors to be addressed. 

The following accounts are in error and in total violation of my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It is completely unacceptable that these erroneous accounts have not been thoroughly investigated in accordance with the LAW and removed from my credit reports immediately after 5 months of sending reinvestigation requests and waiting for a status update or confirmation of deletion. 

15 U.S.C. 1681 Section 602 A ; States that credit reporting must be fair and accurate and unfair credit reporting methods undermine the public confidence 15 U.S.C. 1681 Section 604 A ; States a consumer reporting agency can not furnish an account without my written instructions or permissible purpose It has been well over 45 days since I've sent these different disputes. I have thoroughly reviewed the laws above and others that are applicable under the FCRA and demand they be followed by the credit reporting agencies.
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 this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : FRD MOTOR CR XXXX Date Opened : XX/XX/2021 Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

Loan established with XXXX XXXX For vehicle : XXXX on XX/XX/XXXX for an original balance of {$16000.00} The first Payment due XX/XX/XXXX of {$390.00} is made early on XX/XX/XXXX via mobile app. Pausing auto pay features. Auto Pay then proceeds to withdraw on the 2nd due to the time window, causing XXXX XXXX to duplicate the payment that was already received for the account. As the consumer, I reached out to the XXXX XXXX team to fix the issue, was informed that the payment was a system error. ( FIRST MISTAKE ) following this event XXXX XXXX inaccurately reported a balance to, Transunion, XXXX, of {$14000.00}. 
Following this issue XXXX XXXX reported increases of the balance by an additional {$1100.00} to {$15000.00} ( also an inaccurate Balance ) Reaching out to fix these system errors I am told my only option for their inaccurate reporting is to file a dispute with XXXX XXXX with no security of this issue not recurring. Following this issue there is an additional Balance Increase reported XX/XX/XXXX via Transunion, XXXX, from {$15000.00} to {$16000.00}. 
These negligent reporting acts have decreased my credit from XXXX to XXXX in a matter of 90 days. 
The current Balance for account ( XXXX ) is {$15000.00} as of XX/XX/XXXX which is NOT CURRENTLY REPORTED TO CREDIT FILES. 
Each month has been a BALANCE INCREASE reported, while payments have been made on : XX/XX/XXXX - {$390.00} XXXX {$390.00} XXXX {$390.00} Interest charges : XX/XX/XXXX - {$140.00} XXXX {$40.00} XXXX {$54.00} XXXX XXXX {$390.00} ( error by XXXX XXXX XXXX XXXXXXXX {$96.00} XXXX {$180.00} False Reporting/ INNACURATE REPORTING/ NEGLIGENT WITH CONFIDENTIAL INFORMATION/ INACCURATE CURRENT REPORTED ACCOUNT BALANCE
Product: Money transfer, virtual currency, or money service

First, XXXX $ was withdrawn from my savings account by Coinbase, without authorization on XX/XX/XXXX ( XXXX ) and XXXX ( XXXX ). I never received any confirmation or contact from Coinbase and I didnt authorize. I submitted a case number and complaint to Coinbase. They said theyd investigate and get back to me. I have not heard from them. My bank recovered and resolved my fraud claim. Then, on XX/XX/XXXX, XXXX $ was removed and disappeared from my account w Coinbase. Again, no confirmation or contact was made to authorize this. I didnt authorize this. I contacted Coinbase via email/online complaint form. I also called their phone number provided but the call hung up after pressing an option. There is no customer service via phone available..only email. Have not heard back. Their standard response is under review. There is no progress update, details relating to any emails sent, estimated time, phone contact though Ive requested it. They also lock the account at various times and make accessing the funds impossible. 

There are transactions listed that were not made. Later those transaction history disappears. Ive received an email stating funds were recovered but no other info given. The emails provide nothing but blanket statements that they resend over and over. There is no phone support. 

There was XXXX dollars remaining in that account. I sold my holding for that amount bc I worried about that loss. I was sent 2 confirmation emails for this transaction. As of yet, that money hasnt been moved into my banking account. Its supposed to happen in 1-3 business days. It hasnt happened and I have no way to redress any of this with them. 

i have been researching Coinbase recently and see there is widespread fraud via news articles, posts on XXXX, XXXX. 

this needs to be investigated. There is nothing preventing Coinbase itself from stealing these funds. 

I have submitted this information with the SEC. they recommended contacting you.
Product: Credit reporting or other personal consumer reports

I REQUESTED AN ADDTIONAL RESOLUTION TO MY NAME ON MY CREDIT FILE BECAUSE IT IS NOW INCORRECT AND NOT MINE AFTER MY IDENTITY THEFT COMPLAINT FILED I RECEIVED DOCUMENTS TO UPDATE MY CREDIT FILE, BUT WITH THE NAME XXXX XXXX XXXX XXXX. 

THIS IS NOT MY LEGAL NAME, THIS IS THE LEGAL NAME OF MY FATHER AND IS NOW BEING REFLECTED ON MY CREDIT FILE. 

MY LEGAL NAME IS XXXX XXXX XXXX XXXX AND I DO NOT HAVE ANY ALIASES, NOR HAVE I EVER HAD ANY ALIASES. EQUIFAX XXXX CONSISTANLY REPORTED INCORRECT INFORMATION ON MY FILE AND HAS NOW AGAIN MERGED MY NAME WITH ANOTHER PARTY, THAT PARTY BEING MY FATHER I WANT ONLY MY LEGAL NAME REFLECTED ( XXXX XXXX XXXX XXXX ) ON MY CREDIT BUREAU XXXX ALONG WITH ONLY MY ACCOUNTS LISTED ON MY CREDIT FILE
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$15000.00}
Product: Debt collection

On the day of XX/XX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XX/XX/XXXX I went shopping at XXXX and someone stole my XXXX XXXX  purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XX/XX/XXXX my employer came up to me and asked if I re cashed a check from XX/XX/XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XX/XX/XXXX was re cashed on XX/XX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is XXXX XXXX XXXX. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a XXXX XXXX XXXX manager to let them know that the check that was cashed on XX/XX/XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on Santander Bank and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to XXXX XXXX XXXX ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in Santander bank without my Identification or knowledge. I need answers and of course my money back. XXXX XXXX XXXX did n't look into investigating bank Santander where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.
Product: Credit reporting or other personal consumer reports

Pursuant 15 USC 1681 ( a ) ( 4 ) XXXX, XXXX and XXXX are consumer reporting agencies, and I'm the consumer and/or customer. As per 15 USC 1681e XXXX, XXXX and XXXX are not maintaining reasonable procedures. 

Also, in conformity with the FCRA customers have the right to make sure their nonpublic personal information is not shared according to title 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are financial institutions according to that title and will be referred to as such hereinafter. 

Title 15 USC 1681b ( a ) ( 2 ) states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. All forms of consent to XXXX, XXXX, XXXX, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

Title 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX, and XXXX are nonaffiliated third parties. None of the financial institutions informed consumer the right or how to exercise my nondisclosure option before my nonpublic personal information was disclosed. 

Furthermore, title 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. The account ( s ) with these financial institutions are adverse items that they are reporting without my permission.

Title 15 USC 1681s-2 ( A ) ( 1 ) A states 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 ''. 

Consequently, 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out. Effective Immediately. 
See attached copies of my consumer report.