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

I have made a dispute with XXXX Credit Bureau and Trans Union, with regards to removing a collection agency named, XXXX XXXX XXXX The account they are trying to collect a debt with is closed and XXXX. XXXX XXXXXXXX does not have a license to collect a debt in the state of New Jersey. 

This collection agency has a license to collect a debt in 13 states and NJ is not one of them. This is against The Debt collection law guidelines in NJ. 

I have recently submitted another request to remove this debt with XXXX and Trans Union once again. I would like this collection account removed from my report, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive recently checked my consumer report and noticed that there were a few unauthorized inquires that I did not apply for nor gave consent to anyone, these inquiries are fraudulent and needs to be blocked and removed according to 15 usc 1681c-2-a ( blocking information resulting from identity theft ) also this dropped my credit score where on of my credit cards limit dropped due to my score decreasing from those inquires in question, Inquiry 1.XXXX XXXX XX/XX/2023 Inquiry 2.XXXX XXXX XXXX  XX/XX/2023 Inquiry 3.XXXX  XXXX XXXX  XX/XX/2023 Inquiry 4.XXXX  XXXX XXXX  XX/XX/2023 according to fcra 15 usc 1681n- willful non compliance-15 usc 1681n ( a ) ( 1 ) ( a ) any actual damage sustained by the consumer as a result of the failure damages not less than {$1000.00}
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed that a U.S. Bankruptcy Court item is listed on my credit reports. Under the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

In this case, the original creditor is the U.S. Bankruptcy Courts. I have received a letter from the Bankruptcy Court stating that they do NOT provide information to credit reporting agencies, nor do they validate or confirm public records. Additionally, XXXX has provided documentation that it could not validate this public record information. 

The responsibility for collecting and validating public records falls on credit reporting agencies or their third-party providers. Public record information is NEVER validated by the Recorder of Deeds or the U.S. Court system due to the Fair Credit Reporting Act Privacy Law.

As a result, the reporting of this bankruptcy on my credit file violates multiple federal laws, including : 15 USC 1681a ( e ) : Prohibits the inclusion of unvalidated public record entries.

15 USC 1681b ( a ) ( 2 ) : Prohibits furnishing information without the consumers consent.

15 USC 1681c ( a ) : Excludes bankruptcy information from a consumer 's report.

Your failure to validate this information is a violation of these laws. The continued reporting of this bankruptcy is causing me great harm, including preventing me from obtaining credit to support and sustain my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending written correspondence to Experian, XXXX and XXXX since XXXX of this year to try and get some help with the inaccurate information about this XXXX XXXX account. 

Initially, in XXXX I spoke with customer service at XXXX XXXX about the inaccuracies found on my credit report about late payments. The customer service representative told me that there was nothing they could do and that I should dispute them inaccuracies with the credit bureaus. 

I proceeded to reach out to the EXPERIAN, XXXX AND XXXX for assistance. It has been a total fiasco. Neither bureau has provided any records to support the information that is being reported. 

Each round of written correspondence would result in small changes, but newly updated inaccurate information. For example, most recently they changed a late payment in XXXX to on-time and then made a XXXX payment late. 

I do not know if they think this is a joke or if there is just a problem with the system, but I am very frustrated and concerned that I will not be able to get the information corrected nor the supporting documents. I have been working really hard to clear up discrepancies and have a positive payment history for the past XXXX years with this account. 

There are also comments that say the car was repossessed. This was during XXXX, I fell behind on the payments. The car was towed from our driveway at about XXXXXXXX XXXX  and we paid and had the car back in our possession before lunchtime the very next day. 

I've asked XXXX XXXX and all XXXX Bureaus to possibly remove or amend the comments, but to no avail.
Product: Credit reporting or other personal consumer reports

I have written letters ( first one dated XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX  and recently on XXXX XX/XX/year> ) to XXXX XXXX to help remove a late payment reported on my credit report in XX/XX/year> regarding my Loan Number : XXXX. 

I have previously contacted XXXX XXXX XXXX XXXX via phone, email, and written correspondence to explain and provide documentation regarding a medical condition that resulted in a single 30-day late payment in XX/XX/year>. This situation coincided with the servicing transfer of my loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, the transfer did not include the correct contact details, despite my reliance on auto-payment and notification features to ensure timely payments. 

In XX/XX/year>, despite having autopay configured, I missed a payment due to my health issues. I was only made aware of this oversight on XX/XX/year>, when I received a notification about a significant drop in my credit score. I immediately rectified the missed payment and sought assistance to address the late payment mark with all three credit bureaus. However, my repeated efforts since XX/XX/year> to communicate with XXXX XXXX XXXX XXXX have thus far resulted only in acknowledgments of receipt, without any substantive response or resolution. 

The agents who have answered my calls have been unable to effectuate any changes due to limitations in their authority. It appears that these agents lack the means to escalate issues to their supervisors or the appropriate decision-makers within their credit department. Given the urgent nature of my situationrequiring a loan for essential repairs to my home, which is severely affected by mold and termite damageI respectfully request your offices help in this matter. 

Your assistance in facilitating communication with XXXX XXXX XXXX XXXX and resolving this matter would be greatly appreciated. 

Thank you for your understanding and cooperation in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I went into the XXXX and XXXX XXXX branch of Wells Fargo in XXXX, Oregon and attempted to make a withdrawal of 20k on XX/XX/XXXX and the teller told me they couldnt do it and did not give me a reason why. After I asked for the situation to be escalated, the teller alleged he went to ask his branch manager, XXXX XXXX, and she had said no. However, managers have always been out on the floor or at least come to speak to the customer to give them peace of mind, and I did not see her at all so I dont know if she was even there. Additionally, when the teller gave me a blank piece of receipt paper to write my personal information on for them to order the cash, I never received a call and it is now XX/XX/XXXX, so I assume they just threw it away. I dont know if it is because of my race, or the way I look, but I have never received service like that at any other Wells Fargo branch. This bank breaks their promises to customers and never tried to do things correctly anytime ( let alone the first time ), they went out of their way to make me feel unwelcome and be unhelpful. Hands down, the worst service I have received in my life at a financial institution. Make no mistake, I will be going on social media to make sure no one else receives this type ( or lack thereof ) of service.
Product: Debt collection

I received a notice from XXXX saying that TRS Recovery Services had been contacted regarding a bank account authorization not being accepted. Prior to this e-mail, I had received no notice whatsoever from XXXX about any issues. I attempted to contact XXXX, but received circular answers, including that they could not help me immediately due to my account being frozen ( which was mentioned in the original correspondence e-mail, along with the statement that is would be unfrozen only after I paid TRS. ) They said they would escalate the issue and get back to me. 

When I received another e-mail ( late in the evening in Friday, XX/XX/XXXX ) from XXXX stating that I needed to contact TRS within XXXX business days, I did so with trepidation, as I wished to deal with the issue with XXXX XXXX. We have a stellar credit rating, and the XXXX day deadline was of concern to me. Both e-mails I had received gave no details whatsoever about the transaction in question. 

I called TRS at approximately XXXX XXXX on XXXX, XX/XX/XXXX, and, after much back and forth and difficulty in locating any information about me, they were finally able to share the alleged details of the transaction in question. Our conversation was XXXX minutes in length. 

I recognized the transaction as XXXX I had disputed with my bank as a double charge, and explained this to the agent, and explained that I had been told by my bank ( XXXX XXXX  ) that the issue was theirs, and that a correction had been promised within 5 days. 

The agent told me that it made no difference if XXXX was paidI still owed the full amount to TRS as well. 

When I asked if the XXXX issue that was being reported to TRS would go on my credit record, I was told XXXX did not report to the agencies/bureaus. 

When I asked about additional fees, I was adamantly told there were none. 

I then, after much insistence, received the referral code for the supposed debt, which I had not yet been given. I thanked the gentleman and prepared to end the conversation. 

He then told me I needed to pay him right then. I told him I would not do so. He then told me that I had to pay by the next day. When asked about why the next day was so important and what he meant by that, he stated that if I did not pay by the next day, the information would be sent to the credit bureaus. 
I told him that I considered that a threat, and that he was in violation of the Fair Credit Reporting Act concerning debt collection. He denied making a threat.

After ending the conversation, I went on the TRS website to the payment page, and was able to look up my information with the reference code I had been given. On this pagecontrary to what had been stated by the TRS agentan asterisk was next to the debt, with a notation that additional fees could be added upon payment. 

I have filled out a dispute form with XXXX, and asked for all of their documentation. 

Thank you for any help that you can provide in this matter. I am attempting to resolve the issue with XXXX XXXX and XXXX ; I do NOT wish to deal with XXXX and further.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$560.00} XXXX  XXXX Balance : {$210.00}
Product: Debt collection

XXXX XXXX sold this account to Consumer Adjustment Company in the amount of {$1200.00} on XXXX XXXX, with false pretense after XXXX XXXX has been paid by the insurance company and have tried to commit fraud against me the consumer. Then have sent my information to this company Consumer Adjustment Company to try and force me to pay a debt that was already paid once, Then continued to submit this as a non paid balance to my credit report. To intentionally report false information to XXXX. I want this frivolous charge removed off my credit report. This is illegal and I need help now. They are committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Coinbase scammed me and my referral to get our personal information. They have it in the app where you can invite friends and both of you receive {$20.00} in XXXX. After the person signs up, uploads their license, add a payment method and purchase XXXX  for {$20.00}. She did everything on XX/XX/year>. They have her money on hold until XX/XX/year> so she cant get her money back after they lied to us. And the XXXX  cant be returned during the wait. Both of us received emails saying your reward is here but nothing is in either of our accounts. I received the same email saying the reward is here yesterday as well. She used my referral link. And when you click on it, it shows {$20.00} for me and her in XXXX  after she does all of the above that they require. I reached out but Coinbase doesnt have a phone number to call. It says their number is only for outgoing calls. The email response says their email address is not monitored and to go online. The online chat is a bot, no human ever answers. When I selected request a call back, I was emailed a code. Someone called at XXXX today when I was asleep. They had no intentions of reaching me. And this is 2 days after my initial contact. 2 days ago, I had to go to XXXX to get a reply from a human! At first they said wait XXXX hours after she did everything and let them know if its still not there. I did that and then they claimed they needed my address verified and only accepted my bank statement. After it was verified, now theyre saying youre not eligible for this feature on Coinbase. I repeatespy asked why am I not eligible? They keep sending me a link to the website but no explanation ( all of this is on XXXX XXXX  ). If Im ineligible, why wouldnt she at least receive her {$20.00} in XXXX? Why didnt they tell me that when I first reached out? Theres absolutely no reason I shouldnt be eligible for the reward. Coinbase scammed us just to get our personal information. My referral is not into XXXX  or XXXX  and only signed up for me to get my XXXX. She does not want the account and wants her {$20.00} back since they are liars. They have both of our social security numbers now. This is fraud! It is false advertising to consumers and lying. I gave her the {$20.00} to pay them so its my money that was used via her checking account. Either they give us both the {$20.00} in XXXX  that was promised or refund the {$20.00} they forced her to pay for rewards we did not get.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$670.00}
Product: Credit card

on XXXX XXXX XXXX XXXX i purchase apple XXXX XXXX phone from the apple store in XXXX XXXX for {$1100.00}. later same day i purchased apple care for {$190.00} plus tax and put everything ony apple credit card issued by GOLDMAN AND SACH COMPANY. ( I GET 3 % BACK FOR USING APPLE CARD ) Less than a week later on XXXX, XX/XX/2024 i returned phone back and received full credit back per my receipt. ( phone was return back to the store in good condition ) and also same day i canceled the apple care. 
i was hoping balance would be {$00.00} as everything is returned back to the store and the apple care. but, credit card still shows {$44.00} balance and i called Goldman and sach multiple times and i was told it will be a XXXX balance ( three weeks a go ) i called inbetween again and call transfers are the worst with this company as they tried 11 times transfering my call. 
finnally today XX/XX/2024 i kept calling Goldman and sach and spoke with very rude lady using only XXXX XXXX said i have a balance and i will have to pay that balance. she said she will send me an email only on XXXX XXXX  email which no longer exist as i returned apple phone back and i don not have a access to that email. she said if i dont have an access to XXXX email than she cant do anything and said i have to pay {$44.00} to them. i said i will call CFPB and i dont think she she know what CFPB is and ended call
Product: Student loan

. I sent a letter requesting the following information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay, including signature pages for the debt?

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.

State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, &

Equifax didn't make sure it was reporting 100 % correct. In accordance with the FCRA an d Metro 2 compliance reporting standards. Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) the se accounts are in violation of not reporting 100 % accurate. I'm disappointed tha
t XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach. As a result, I request that the following accounts and inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts and inquiries removed from my credit report. 
Accounts for Blocking and Deletion : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$19000.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5000.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3100.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$17000.00} XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$550.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$690.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3600.00} Inquiries for Blocking and Deletion : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX PA XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX