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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting

Despite my repeated requests that they do so, EQUIFAX refuses to delete an outdated, factually inaccurate account with XXXX from my file. The vehicle in question was NOT repossessed from ME, nor were ANY payments made late by ME but in fact belonged to my former spouse who received over {$1000.00} when the vehicle was sold as it was her account and NOT mine! I simply want ALL information pertaining to it deleted from my EQUIFAX file.
Product: Credit reporting or other personal consumer reports

I am writing to express deep dissatisfaction with the ongoing presence of fraudulent items on my credit report. After reporting this identity theft, I contacted the company linked to these fraudulent accounts. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent accounts would be swiftly removed. XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. 
It is important to note that both XXXX and XXXX have already removed these accounts from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify these accounts when the other bureaus have already removed it. I urge you to remove these accounts from my file, as they are riddled with inaccuracies, errors, incompleteness, or unverifiability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681, Section 602A, states I have the right to privacy.

15 USC 1681, Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than 7 years.

15 USC 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I called in to turn off the autopsy option. This company stalled delayed transfered and then finally simply refused to turn it off unless I wrote a letter in to a po box . The website simply said to call. This is a very clear violation of law. I'm going to have to try to get my bank to revoke authorization.
Product: Credit reporting or other personal consumer reports

MAILED ATTACHED LETTERS OUT ON XX/XX/year> PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. 

I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. 
It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. 
I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there XXXX exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.
Product: Money transfer, virtual currency, or money service

This complaint is arising from a concern with Zelle 's business handling in reference to customer disputes. Something that I feel needs to be reported even more so due to the recent lawsuits against the platform. Despite my frequent use of the platform and numerous instances of incorrect discrepancies that I have reported Zelle has not efficiently nor adequately followed up on my claims. Informing me that it was impossible to recover any lost funds and tracking was not an option. The CFPB findings showcase that Zelle has not protected my business nor the business of consumers and allowed repeated exploitation leaving myself and others vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX 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

I did not do these i queries and would like them off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have submitted documents against the credit reporting agencies Experian, XXXX, and XXXX XXXX. All I get back for a response is the Bankruptcy is valid. I never submitted documentation with my consent to fish for information to add to my credit report. I have filed charges with Nevada State Attorney General for Identity theft.
Product: Debt collection

They are calling me at work and I told them I'm not allowed to receive personal calls at work.
Product: Checking or savings account

Robinhood let someone transfer {$5500.00} out my account XX/XX/2021. Individual had there bank account attached to my Robinhood account because she had owed me money I forgot to remove persons account from mine. She had gained access to my account and transferred {$5500.00} from my account to hers. Robinhood wouldn't let me access my account for 4 months. Once I finally was able to see money was gone they refused to do anything about it. This is a individual account as Robinhood does not offer joint accounts. Money was transferred to a chase bank savings account. XXXX XXXX  said they have no problem returning the money but Robinhood has to initiate the process. Robinhood refused to do anything. I'm out {$5500.00} XXXX XXXX  said Robinhood should get my money returned any other bank would. Robinhood is a bunch of criminal fraudsters. Don't trust them with your money. I will upload pictures where transactions kept getting declined my account should have been froze for suspicious activity but instead Robinhood rejected the transaction about 10 times then finally decided to let it be authorized.
Product: Debt collection

TeleCheck doing business as TRS RECOVERY SERVICES, INC attempted to collect money for the following fraudulent charges. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$33.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$58.00}. 

I am disputing fraudulent charges using my name, for checks written from XXXX in the amount of {$23.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX, 2014 Reference Number XXXX for a total of {$48.00}. 

I called XXXX the bank where the the checks would have been issued from and there was no record of a checking account in my name.
Product: Money transfer, virtual currency, or money service

PNC won't let me connect to XXXX which is a stock market platform.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX. XXXX XXXX XXXX / ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF ED XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX.
Product: Mortgage

A non profit Alliance helped us to submit the Loan Modification Application to Rushmore Loan Management Services and our application was denied and all the given reasons were not correct or true. So I submitted a response to their letter of denial and pointed out the every 6 items of their reason were totally wrong. In addition the current mortgage statements are totally wrong also because it showed we are 3 months behind when in fact they acknowledged and accepted they received the mortgage payments except for XX/XX/2019 which I am investigating why I missed said loan payment. I am suspecting XXXX XXXX Staff were involved in this issue. 

From the foregoing it is apparent Rushmore is more focused and directed to foreclose the property since we received a lot of notices about the intent to foreclose the property. Most of the time we received two notices in a month. I complained above this issues but Rushmore just ignore my complaints though they told me that they will correct it. Todate the issues remained on the same condition. Even many emails were exchanged and many phones call made the situation remained the same. 

From the progress and development of the issues Rushmore is trying to established and justify their future actions that is to foreclose the property
Product: Debt collection

I recieved a letter from a collection agency C & W Caine and Weiner in XXXX Texas stating that they were attempting to collect on a debt owed to XXXX XXXX XXXX in the amount of {$460.00}. This is erroneous. I rented several vehicles over several months from XXXX ' XXXX Airport location. ALL rentaLs were returned and paid on time via my personal VISA debit card from XXXX XXXX. I have documentation to suport this. 

The collection company in question is Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX XXXX of Complaint : On XX/XX/year>, I submitted a dispute to Experian disputing a late payment reported by. XXXX XXXX XXXX referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I have never made a late payment to this company. 
I finished paying my loan in full. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase, a cryptocurrency exchange, and have been trying to sell my positions and close my account for close to a month now with no avail. I have Bitcoin, Etherum & Litecoins within the online system and am unable to " sell '' them and " cash out. '' Each and everytime i do this, the system prompts me that " additional informaiton is needed to verify my identity, and to go to 'coinbase.com/XXXX ' to do so '' when i go to the address and answer the personal questions they prompt me with, the system denies my entries and i get stuck in this loop where it keeps asking me to verify identity and does not allow me to sell. Basically, they keep asking me to verify identity and after I answer their questions, they tell me my answers " are wrong. '' The shady part is that I have already verified my identity, both via questions and by providing my ID ; furthermore, I have succesfully bought and sold on this website since 2015 when traffic must have been less. It is only recently that I have been " shut out. '' I have contacted their customer service phone line 5 times, each time being placed on hold for hours with no representative picking up. I have tried their online support system and have submitted requests to " close my account and cash out '' 5 times with no response. Basically i am being ignored and my money is tied up. 

Of mention, I started this process when my account has over $ 19K in it, it has since dropped to $ XXXX and i am still stuck. All i want to do is close my account, and collect my proceeds.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 
I am requesting that those charges be removed.
Product: Student loan

I recently ( XX/XX/XXXX ) applied for a private XXXX student loan through XXXX XXXX and was denied. In the document they provided that gave their reason for denial ( XX/XX/XXXX ) they said it was because I had a delinquent student loan. 

Upon further inspection I saw that Navient ( under the name XXXX XXXX ) was reporting that I was in default on my student loan from my XXXX in XX/XX/XXXX. I did go into default on my student loan around XX/XX/XXXX because of XXXX  XXXX diagnoses and some rough financial hurdles. However, I did the one time rehab program and got out of default and am now on IBR. I have made payments in the past through IBR, but since I am a XXXX XXXX now it is in deferment. This is through XXXX, they have all my loan info now, and I am in good standing with them. 

Unfortunately, I hadn't really looked at my credit report before, because of that whole getting XXXX three times between XXXX and XXXX years old. XXXX put me in a very deep hole that I have been working very hard to get out of. I thought I had bad credit because of that. And it wasn't until around XXXX that I even felt I had a handle on things again. I just got my first credit card in many years, I had always been denied in the past. It turns out that ever since XX/XX/XXXX I've had this huge student loan sitting on my credit report when it shouldn't have been. And I never even realized it. 

I would really like to get some help with XXXX  school, so currently this being on my credit report is a problem. I've called Navient several times and their automated message recording shuts me out every time. It says something like, you've made too many attempts, and then hangs up. 

I've also filed a credit report dispute with them through XXXX. I don't really know what else to do at this point. 

God, and PS, look at that statement screenshot from XXXX ( showing the same loan that Navient ( under the name XXXX XXXX ) is reporting as deliquent ). It shows the same original loan amount and the amount of interest I have now. Is {$20000.00} in interest normal? XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from Bureau firm stating the ID I submitted was insufficient to verify my address and identity. 
I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience. Second time I sent disputing letter to Bureau and received no response.

They have sent me a letter that indicates WRONG DATE on this account, not the same as what it shows on my report. Besides that I strongly believe this account is Mistaken Identity. 

XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2017 - Experian is charging Washington State residents {$11.00} to place a security freeze when the allowed maximum amount is {$10.00}. XXXX and XXXX  both charged the expected {$10.00}. My complaint is Experian is overcharging what the Washington State law allows. When I called Experian, the person told me she did n't know why I was charged {$11.00}.
Product: Mortgage

Hi - We bought a home using a first lien mortgage ( XXXX yr fixed ) product and then refinanced it again from AIMLOAN. We have always used the online portal to pay the mortgage payments. To log into the online servicing portal, the website uses XXXX step authentication process ( first login and password, and second sends a XXXX digit passcode to email ) process to validate credentials. More than a month ago, the process broke down : After completing first stage, the portal stated that XXXX digit code has been sent but I stopped getting the code without which I am unable to login and make payments. I called and escalated and even communicated with their XXXX - XXXX but in vain. They have been giving run around and communicate sporadically but have not been helpful. Meanwhile I had to call their customer service and had to make payments after spending XXXX mins every time. The service and approach to customer complaints resolution has been awful. 

Can you please help resolve the issue and also make sure that other customers are not subjected to similar lapse in service? 

Your help is highly appreciated. 

XXXX XXXX XXXX