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

HI XXXX 'S! How did you actually verify this account? Impossible! I've contacted this company several times for the last XXXX months because you're reporting old, obsolete, and trying to collect a debt that's beyond the statute of limitations. When i even contacted XXXX XXXX to see if i can resolve the {$700.00} balance, many of the representatives and managers stated that unfortunately, they can not collect the debt because it's paying the statute of limitation that they had submitted a correction to the credit bureau back in XX/XX/2021 to delete this account from my credit report. You are reporting incomplete, misleading, and multiple innaccuracies. You are causing me so much XXXX  and medical issues on this account. I'm trying to buy a house and my mortgage company stated that this account is too old to be reported but it's causing issues with my credit score and DTI.
Product: Credit reporting

CBC InnovisRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files.
Product: Credit reporting or other personal consumer reports

I am deeply dissatisfied with your assertions and am rejecting them due to the absence of any substantial evidence to support your claims. I urge you to address these accounts as erroneous or face the potential consequences of legal action on my part. My emotions encompass frustration, distress, irritation, and outright anger. These sentiments have arisen from the excruciatingly slow responses and the repeated dismissal of my identity theft claim by your organization. Let me be unequivocal : this situation is a veritable nightmare. I have been grappling with unauthorized accounts and transactions, and the impact on my financial well-being and peace of mind is incalculable. The emotional turmoil I've endured has been beyond distressing. I implore you to promptly initiate a thorough investigation into these matters, expunge the fraudulent account from my credit report, and assist in restoring my financial standing. I am not seeking preferential treatment ; I am demanding what is rightfully mine as a victim of identity theft. I also want to dispute this address that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, XXXX XXXX, I contacted Coinbase Support with the following email, " Hi, My name is ******* *********. I am trying to initiate a transfer from my vault to my bitcoin wallet. Unfortunately, it seems that my secondary email address has changed without me doing it. I need my secondary email address changed back to the original one ( XXXX ) so I can approve the withdrawal from my Vault. 

If you need any additional information, please let me know. My phone number is XXXX. You can also reach me at either XXXX or XXXX. 

Thank you, XXXX '' I also called them on the same day thru their support number on XXXX, to reiterate my concerns, and I spoke with XXXX. He told me he would immediate forward my case to a specialist team. 

Coinbase emailed me the following on the XXXX of XXXX. : " Hi there, Thank you for your patience. 

This issue is being addressed by case XXXX. Please use that case number to communicate with us and track current developments involving your issue. 

All the best, Coinbase Support '' I have been waiting for a month for Coinbase to  resolve this issue, and during this time when I have wanted to withdraw my funds, bitcoin has fallen from {$14000.00} a coin to below {$10000.00}. This type of customer service is ridiculous. 

I called them today ( XX/XX/XXXX ) to inquire about my account information and my inability to withdraw my funds, and it seems that they have not been working on my case, and XXXX, the service representative I was speaking with, repeated the same lines that XXXX said, and would be unable to do anything about it. 

All I want to do is withdraw my money out of this organization. Changing my secondary email address without my permission should never have happened in a company of this size. And XXXX my issue, yielded results that this has happened to many other people, yet Coinbase is doing nothing about fixing the error with their own system. 

After I called them on XX/XX/2019, the sent me two emails saying that they would look into it. I have attached those 2 emails. If you look at the attachment called email2, it says " Please note that these reviews are typically completed within 5-7 business days. '' It has been over a month since they said that, and there is no progress so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX and XXXX XXXX multiple times. I have sent proof multiple times that these accounts are incorrect. XXXX corrected the problem but XXXX  and TransUnion continue to ignore the evidence I have submitted. My score has plummeted and each site even suggested obtaining a credit card to help the score and it HURT my score.
Product: Debt collection

My cousin as you can seen on the picture used my information to get insurance in her name. I contacted XXXX  as you can see below they fail to investigate on serval occasions
Product: Credit reporting or other personal consumer reports

In XXXX  Equifax breached XXXX  information and I was rewarded not even XXXX the claim. Now this breach and the acount from XXXX XXXX This has ruined my credit. I'm at a XXXX  loss more than XXXX because I was not able to secure loan because of my credit was so poor .every thing I done when It comes to credit I was denied denied denied .I want full relif. And what ever comes with.
Product: Payday loan, title loan, personal loan, or advance loan

On Monday XX/XX/2024 I went on the website Netcredit to apply online the website stated it would not hurt my credit, so I went ahead and they stated that I was approved it ran my credit report and then it would not allow me to move forward so I contacted a rep from the company net credit gave her my information she did advise to me I was approved now the system stating denial but they ran my credit and place an inquire on my report. I want the inquire removed or give me the loan one or the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.
Product: Credit card or prepaid card

On XX/XX/XXXX I put in an application for a secured Credit Card with Capital One. On the Application, they Asked for all of my information including my Social Security Number. They stated that my application could not be verified even though I presented my SSN and sent me an Adverse Action letter on XX/XX/XXXX. Also stating further reasoning provided with the letter with this complaint. 

My question to Capital One is, Based on the LAW what did underwriting use to deny me? Due to the fact that I gave them my Social Security Number. 

I am rejecting the Adverse Action letter, I am aware that a Credit Application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as a self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C 242.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD time disputing negative accounts on my credit report. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

My minor child made unauthorized charges to my credit card without my consent, he is mentally XXXX and said he was not aware he was making these charges. My credit card company Citi, has denied the claim. I have spoken to XXXX XXXX and XXXX XXXX from citi, I told them I would provide any documentation stating my sons mental condition, but to no avail. I am a widow working a full time job with XXXX  young children. unfortunately my children aren't always under adult supervision, and therefore was easy to get ahold of my card. I have also spoken with XXXX and was told to speak with my credit card company, that they would be able to help me.so I have exhausted all efforts. These are the dates and charges made to XXXX. 
XX/XX/2018 {$26.00} XX/XX/2018 {$23.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$9.00} XX/XX/2018 {$5.00} XX/XX/2018 {$26.00}XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$5.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$37.00} XX/XX/2018 {$100.00} XX/XX/2018 {$10.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$100.00} XX/XX/2018 {$64.00} XX/XX/2018 {$80.00} XX/XX/2018 {$100.00} XX/XX/2018 {$100.00} XX/XX/2018 {$39.00} XX/XX/2018 XXXXXX/XX/2018 XXXX Totaling charges {$1500.00} If you can please help with this matter it would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Debt collection

I do not have the original dates of this debacle, but I am certain Portfolio Recovery Associates , LLC can provide an accurate timeline and related materials. 

My XXXX account was apparently hacked and charges were added to my account unknown to me. The hacker changed my contact address to another location that was nonexistent. When confronted with the newly added debt, I denied it as mine, but after months of contesting the ownership of this debt, it was taken over by XXXX XXXX and the war started all over again. I appealed the action, but was unsuccessful in my attempts to have this debt removed. 

I entered into a payment plan with XXXX XXXX and dutifully paid every month without any issues until this month when I was contacted via telephone by a person identifying themselves as a representative of XXXX XXXX. The representative informed me that the debit card I had provided them for the monthly charges had been denied in XXXX. I told the representative that she once again had incorrect information in reference to me. I use that debit card regularly and have not personally experienced any rejections. 

I told her I would not conduct any further communication with them other than through the post office, because I do have their address in XXXX, VA where I have mailed additional payments via checks to hasten the payoff on this sham action. She told me that because my card was rejected, she had no information on the account after that date. She requested another debit card and I refused. The last check I mailed them on XX/XX/XXXX has not been processed. That is very suspicious to me. 


I have requested all future correspondence be through the post office. I will not give them another debit card to enable them to falsely contact me. I would prefer they just erase the small balance that remains and leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with XXXX XXXX for over ( 3 ). 
I have spoken to several XXXX XXXX, Supervisors concerning this matter. I have attempted to set to their billing department from the beginning because the initial credit amount issued was more but, I only used what was needed and per their policy after 48 hours any unused credit would be removed and I would only be responsible for the amount I charged. One major component of this promotion was the offer 36 months No Interested if you paid of the debt with 12 months. I paid off the debt in 10 months. My Last payment to them was on XX/XX/XXXX for the total of {$1000.00}. When I paid that account through my check and cleared I call them and they stated the credit report would be updated and no interested would be charged. Now they are continuing not updating my credit to reflect non payment which is negatively affecting my ability to maintain good credit. Now they refuse to talk to me and just hang up. 
This is the account information : XXXX XXXX Account # : XXXX Past Due Amount : {$0.00} Due Date : XX/XX/XXXX Your assistance would be greatly appreciate it resolution on this matter.
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 U.S.C 1681. XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681. ( 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a debt collection on my credit report several times now. The company is XXXX  XXXX and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this XXXX  XXXX keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised with these companies.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and A lot of repeated inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a trade line XXXX/XXXX on my credit bureau report. This account reported 30 days late in error. In response I contacted the XXXX XXXX, filed a complaint with CFPB, and filed disputes with all the major credit bureaus. While the disputes were pending, XXXX XXXX processed the correction to the CBR to show the account was never late. Experian and the others ( XXXX XXXX and XXXX  ) updated the file to show that the account was current. A few days later the dispute from experian concluded and they changed the account from current back to 30 days late. I have been trying to correct this with them to no avail. My score has dropped 100 points and I am we are in the process of trying to buy a home. This is causing real damage and needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EXPERIAN HAS NOT REMOVE A BANKRUPTCY THAT DOES NOT BELONG TO ME XXXX  HAS REMOVED IT BUT THESE TWO ARE NOT COMPLYING WITH THE FCRA LAWS
Product: Student loan

On XX/XX/year>2024, I had {$2500.00} withdrawn from my account as student loan payment and then again on XX/XX/year>2024, in the amount of {$3000.00} from 'DEPT EDUCATION STUDENT LN '. Of the money taken from my account, Edfinancial claims to have only received {$1800.00} ( on XX/XX/year> ) and {$30.00} ( on XX/XX/year>2024 ) and applied it to my balance. They told me they have refunded the {$3700.00} of the total {$5600.00} that I paid because ( 1 ) " it was the wrong account number '' ( then why did ~ {$1800.00} go through? ) and, in the same call the representative said ( 2 ) " we ( edfinancial ) don't accept saving accounts as payments ( again, WHY did the payment go through and why does the website even accept savings accounts when you are adding a bank? ).

They allegedly filed a financial investigation on my account but, did not give me a timeframe, report number, or even a confirmation email. The representative asked me to call my bank, XXXX XXXX, to which XXXX XXXX responded that no refunds or reversals or money whatsoever has come back to them. I have asked XXXX XXXX to dispute both charges as I suspect there was carelessness on Edfinancial 's part. I come to the CFPB, desperate and scared, and ask that they help uncover the truth of what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to remove ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$530.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after theXXXX XXXX. Ive already included this in my previous Complaint # & I am including it again.,