23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a notification that a collection account was placed on my credit report. Looked into who it was and what for as I had never received a collection notice. Found out it was from Online Information Services for XXXX for a utility bill from a previous address. I received this notification in XX/XX/2018 and quickly responded to them with a debt validation letter. I contacted the utility provider ( XXXX XXXX XXXX ) and verified with them there was no outstanding bill due as it was paid in XX/XX/2018. The account was reported in XX/XX/2018 as unpaid which caused damage to my credit score. I disputed this account with all 3 credit reporting agencies, one has removed the account all together, one verified the account as mine and the last one has not responded or updated the information on the credit report. XXXX has removed the account. XXXX verified the account as mine and XXXX has not responded. One report I believe was updated to a paid collection, how can they provide false information to the credit bureaus as a paid collection when they never received a payment and the original creditor was paid directly?
Product: Credit reporting, credit repair services, or other personal consumer reports

So on these dates XXXX. These accountants were never authorized to be open or reflect on my credit, they was only authorized to do soft inquiries bases on the agreement that I had, I never authorized accounts to be opened to reflect on my credit .I need them removed immediately
Product: Debt collection

On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a dispute involving Identity theft to the three major credit reporting agencies via mail and I have heard nor seen anything in correspondence towards resolving this situation. I have been a victim once and feel as if the same problem will haunt me and my personal progression in life.
Product: Credit reporting or other personal consumer reports

n 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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. 

SANTANDER CONSUMER XXXX Balance {$12000.00} Balance updated XX/XX/year> XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX  Balance {$3500.00} Balance updated XX/XX/year> XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX Balance {$2100.00} Balance updated XX/XX/year> XXXX XXXX  XXXX
Product: Checking or savings account

I deposited a check ( {$3200.00} ) on XXXX from my retirement fund. Chase Bank told me they were holding my check for 10 days because the payee is flagged with Chase to to bounced checks. I called XXXX XXXX which told me chase was lying stating and it should clear in about 2 days. I then called Chase back and spoke with XXXX @ XXXX whom claimed he was a Sr. Check hold specialist. He claimed XXXX XXXX will not verify checks over the phone. I called XXXX XXXX back and was told they do it all the time. I called XXXX back in which they said call back in XXXX XXXX days if funds were not released.
Product: Credit card or prepaid card

Since XXXX 2017 my record with Citi Bank Corp. reflects that I am XXXX and closed my Sears card on Saturday XX/XX/XXXX I was informed in the Sears store of XXXX XXXX XXXX in XXXX XXXX XXXX XXXX that the system had rejected my card, To investigate today X/XX/2017 I call to the CitiBank and they informed me that its records showed that I had XXXX. I Investigate with the SS and with XXXX and in none this information appears. Citi Bank refuses to fix the error and demand a letter from the SS office. I am a XXXX veteran with a catastrophic condition and it is very difficult for me to go to the SS office. Citibank persists in keeping this false information in its files, which can hurt me in other financial and personal matters. I hope you can help me with this matter. Thank you
Product: Credit reporting or other personal consumer reports

The account is over 7 years old and still showing up on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all old addresses and personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Debt collection

I just received a XXXX XXXX that I owe {$200.00}. I don't know when this was or how I got a bill.
Product: Credit card or prepaid card

I have called the CC ( Capital One XXXX ) company 3 times to help me reduce the payments and the APR since I was not working during COVID. They did offer me no payments without fees for 2 months but DID NOT advise me that the interest would still acrue.

SO I opted to go one month without a payment.

I have NEVER missed a payment or been late as long as I have owned this card. 

On XX/XX/2021 I requested a lower APR as it was increased without my knowledge and now my minimum payment is more than previous. 
I was advised by the Representative ( XXXX XXXX that she would not lower my APR and the bank was not lowering anyone 's APR during this time. 

I am desperately making a good faith attempt to payoff this card in a lump sum payment and the company will not hear of it. I do not want to file bankruptcy for one credit card. 

Lowering an APR does not seem unreasonable. MOst of this card is interest acrued
Product: Credit reporting or other personal consumer reports

I spoke with the Clerk of Court at US Bankruptcy Court in XXXX, NC. They verified that they do not report data to the Credit Bureaus. 

However, previous disputes have shown responses from the bureaus as saying the information was " verified ''. 

I ask that the credit bureaus : Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?
Product: Checking or savings account

Credit Karma closed my account in the XXXX of XXXX and then they accepted my direct deposit then told me I have to wait for their check they lied to The XXXX by stating they sent a check on the XXXX but the check was dated the XXXX of XXXX and now I have late fees from my bills and they dont want to pay my late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section 605b ( a ) TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting 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 : DEPTEDXXXX Account XXXX Account Name : U S DEPT OF EDXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

I went to the Carvana.com website to look at possibly buying a car through them. Something happened and will not be able to purchase a car for 2 years now. I had opened an account on Carvana.com. I now want to delete my account so that in case there is a data breech my personal info will not be compromised. I tried to cancel it on line but there is no way to do this there. I then tried chat on their website where it said I could as long I have not done any financial parts of the account, which I have not done. I then spoke with a customer service rep who said I could not and gave me a portal do do it on. I tried that portal and it only allows people from California to delete their accounts. I want my account deleted and they will not do it.
Product: Credit card or prepaid card

I accidently sent payment my mistake bit immediately i tried to cancel payment and then requested a refund from the recipients with no response furthermore i contacted the institution cashapp and they told me that they would not replace my funds basically that it was my. XXXX and that they would not replace my funds. 
The funds that need to be replaced are to XXXX XXXX for {$330.00}. In XXXX 2022 and payment to XXXX XXXX for {$330.00} on XXXX 2022. I also had sent payment to XXXX XXXX at the same time bit he responded to my refund request and returned my money. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TX XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. Experian, XXXX, or XXXX has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.
Product: Debt collection

I am unaware of the debt with Automated Collections. I didn't get the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I got the proper notification, please provide the certified mail with the receipt, with my signature on it stating that I received it. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. Sincerely, XXXX XXXX
Product: Credit reporting 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 UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> 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

On XX/XX/2023, I mailed a letter to two credit reporting agencies to get personal information removed that doesn't belong to me and I have not received any letters about or updates about the data being removed. I have refreshed my credit report on my credit monitoring site and the old information still appears.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Bankruptcy XXXX  XXXX Reference number : XXXX has violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the Biden Administration.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX 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: Credit reporting

For the past 8 months I have tried to have XXXX fraudulent accounts that were re- inserted to my credit by Equifax once again removed from my credit report and history. 
I supplied Equifax with my original police report that was also stamped by XXXX, the accounts removed and re- inserted to my credit without notice. I have called and tried to get the situation handled by mail- its no use they continue to ignore my disputes. 
XXXX XXXX # XXXX XXXX XXXX They have also failed to remove the fraudulent inquiries from my credit XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my XXXX  In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX N/A XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraud listed below. I demand it is removed from the credit reports immediately. XXXX Account # XXXX. The identity report is attached to this complaint.
Product: Money transfer, virtual currency, or money service

Coinbase is cutting retail investors off from trading XXXX XXXX  in order to manipulate the market to the benefit institutional traders so they can catch up with retail.
Product: Credit reporting or other personal consumer reports

I disputed this old account to be removed from my credit report with XXXX. As this company I had a loan with in 2020 and paid it off in 2020. It is showing as a late payment. Again this is not fairness and accuracy in reporting. This is an old debt that is not representing me as the present day consumer. 
XXXX knows this is violating the FCRA and FDCPA, and is not willing to remove it. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed multiple dispute letters with all three credit reporting agencies stating that the inquiries were incorrect and falsely reported and also against the law. I would like all of those inquiries removed. My phone was compromised as well as my personal info. I would truly like to see these inquiries removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive my XXXX XXXX Report on and notice there were banks that I don't have on there. These Banks that's on there are hurting me from getting approved for my business account. I already reached out to XXXX XXXX about this multiple times they keep violating my rights under the 15 USC 1681B. I also attach a copy of my identity theft report.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On the months of XX/XX/year> and XX/XX/year> Bank of America N.A has reported late payments to my consumer credit report without my written permission and refused to remove it when I informed them about it. In accordance with the Fair Credit Reporting Act XXXX  has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.