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

I'm trying to get my payments reported I checked all credit reports it's been 90 days since I made my first payment I contacted express credit auto lender to see how to report it they directed me to credit bureau and said to summit a dispute the only issue is you can't dispute something that is not on your credit report I want this issue resolved immediately I was lied too and the only reason I bought a vehicle is to help build credit can't do that with no reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX XXXX US Dept of Education,XX/XX/XXXX # XXXX, XXXXXX/XX/XXXXl # XXXX, XXXX and XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXXXXXX # XXXX, has violated my rights. 

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 US Dept of
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

I sent another letter out on XX/XX/2023 to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However, again the credit bureaus said they completed the investigation and everything was 100 % accurate. 

Which is incorrect. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 

How did they complete this investigation? 

I sent another letter out on XX/XX/2023 to Experian, XXXX, and XXXX. Here is my tracking XXXX. 
I have requested the method of verification but I still haven't received a response. 

I even resent that letter out on XX/XX/2023 to Experian, XXXX, and XXXX. Here is my tracking XXXX. 
I once again requested the bureaus provide me with the methods of verification but once again I received no response.
Product: Credit reporting or other personal consumer reports

I received an email from Equifax about a balance change on my mortgage. Both my husband and I tried to log in to our equifax account, with no success. On XX/XX/year>, I called the number provided on the equifax site on my computer- XXXX. A man asked for my s.s. # and birth date. He said there was a problem with the equifax site and they would reach me through my email. I have never had an issue handled this way. I called again and was told that it would take 5-7 business days to resolve, but they also gave me a balance from my second mortgage. I DIDN'T UNDERSTAND WHY THEY COULD SEE THIS INFORMATION BUT I COULDN'T GET INTO MY ACCOUNT .I then called cfpb for help. I was given a different phone number for Equifax- XXXX. I reached someone who said there was nothing wrong with my account and helped me change my password. My husband was able to log in at that point with his current password. Why was there no indication of my previous two calls to equifax and why were both accounts unlocked when they were locked at another time?
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigatiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized inquiries on my credit report that I would like to get removed XXXX XXXX XX/XX/year>2023 Capital one XX/XX/year>2023 - XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 Capital one auto financial XX/XX/year>2023 - XX/XX/year>2023 XXXX XXXX  XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 - XX/XX/year>2023 XXXX  XXXX XXXX XX/XX/year>2023 XXXX XXXX  XX/XX/year>2023 - XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent a letter to transition disputing information on an account named XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Product: Money transfer, virtual currency, or money service

Coinbase.com has locked my account. I've been emailing and calling for months with no resolution. They assigned a case number as XXXX and have not done anything. I very much need this issue resolved and access to my funds.
Product: Payday loan, title loan, personal loan, or advance loan

ti deposit over XXXX into the accounts and the closed them
Product: Debt collection

This debt collector is not bonded in the state of Texas and by law, they can not attempt to collect a debt. I have already tried to dispute this, the debt company and credit bureau will not comply.     Section  392.101  of the  Texas Finance Code prohi bits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.     {$470.00 } 2  accounts reported on   XXXX   XXXX   XXXX   This agency did not report an open account to this bureau.   Open Account #  1 { $93.00}  Balance Original Creditor   XXXX   XXXX   XXXX   XXXX  {$93.00} Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.   Responsibility Consumer disputes this account information Medical Remarks Note Open Account #  2 {$ 380.00} Balance  XXXX   XXXX   XXXX   XXXX  Original Creditor {$380.00} High Balance   XXXX   XXXX   XXXX   Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.    Responsibility Consum  er  disputes this account information Medical Remarks Note
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my consumer report I noticed a Bankruptcy being reporting. 
I attempted to dispute and get the Bankruptcy deleted for a few reasons. 

1. There were several inconsistent data points on my consumer report causing it to be inaccurate. 

2. XXXX and XXXX stated that the US Bankruptcy Court reported the bankruptcy however, when I contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called XXXX XXXX. XXXX XXXX used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

3. Trans Union stated that the US Bankruptcy Court reported the bankruptcy however, when I Contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called LCI. LCI used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

( Violation 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a Consumer right to privacy '' ) ( Violation 15 usc 1681b ( a ) ( 2 ) '' No Permissible Purpose/No Written Consent In Addition, FTC state , The Gramm-Leach-Bliley Act requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data.Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? 

No, you are not following the requirements. As stated above my privacy as been violated Under the Gramm Leach Bliley Act. 
15 U.S. Code 6801 - Protection of nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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 following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX 'S XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. I did dot give them permission to check my credit XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INFO INCLUDED IN THE ATTACHED REPORTS DOES NOT BELONG TO ME, I HAVE CONTACTED EXPERIAN BY PHONE ON XX/XX/2025 FOR FURTHER INSTRUCTIONS AND I COULD NOT UNDERSTAND THE REPRESENTATIVE 'S ACCENT AS IS THEY DID NOT SPEAK ENGLISH. I ALSO SUBMITTED THE FOLLOWING INFO TO EXPERIAN ONLINE.
Product: Debt collection

First Credit Services has attempted to contact me abusively by calling me multiple times a day with spoofed phone numbers at random intervals. I have already mailed them multiple written requests to respond to me only in written communication which they have blatantly ignored. I also asked for proof that I own this debt, the chain of custody on the debt, from whom they purchased the debt from, when they purchased the debt, and if they are wanting a settlement or a full lump sum. They have not responded to this request either. Phone calls from First Credit Services are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE SENT THIS LETTER OVER AND OVER AGAIN TO OPT OUT OF HAVING MY INFORMATION VERIFED OR SHARED WITH ANY CREDIT REPORTING AGENCIES, THIS COMPANY STILL CONTINUES TO HARASS AND TARNISH MY NAME. I HAVE SENT THE FOLLOWING CORRESPONDENCE TO THEM COUNTLESS TIMES YET I AM STILL BEING VIOLATED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand to Cease Sharing or Verifying My Information To Whom It May Concern, I am writing to formally demand that XXXX immediately cease and desist from sharing, disclosing, or verifying any of my personal, financial, or other information with financial institutions, third parties, or any other companies. At no point have I provided consent for XXXX to collect, share, or verify my personal data, and I hereby explicitly state that you never had, and never will have, my authorization to do so. 

In accordance with applicable privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), I am invoking my right to opt-out of all data sharing practices. Furthermore, I demand that you remove my information from any databases under your control that are accessible to third parties and refrain from including it in any future reports or verifications. 

I expect written confirmation from XXXX within 30 days of receipt of this letter that my information has been completely excluded from any third-party access, and that no further dissemination or use of my data will occur. 

Failure to comply with this demand will leave me no choice but to take legal action to protect my privacy and enforce my rights under federal and state laws. Please consider this letter as a notice of my intent to pursue all available legal remedies if you fail to comply. 

I trust that XXXX will treat this matter with the urgency and seriousness it requires. I look forward to your prompt confirmation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I went to get gas at XXXX gas station on XX/XX/2020. There is a - {$75.00} charge still " pending '' that the gas station held, however, also a " Reversal Credit '' of + {$49.00} that is also still " pending '' according to the " Way2Go '' app. According to the paperwork I received with my Way2GO debit card, XXXX XXXX is the banker for Way2GO debit card. On XX/XX/2020, there was a charge of - {$25.00} from the same XXXX   which is the correct amount that I actually spent on XX/XX/XXXX. I spoke to the Way2Go Customer Service Representative on XX/XX/2020, after calling XXXX which is listed on the Way2Go paperwork that I received in the mail. She told me that XXXX is responsible for the charges and that they are the one 's who needs to release the hold. I spoke to 4 different XXXX representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they told me that all they charged me was " {$25.00} '' and that it is up to the bank to release my funds back into my account. I tried calling Way2Go Customer Service again at XXXX 5 times on XXXX XXXX, and XXXX, however, when it got to the part where they said to " hold '' for the transfer to speak to a representative about my dispute, it would hang up on me versus transfer me to a representative. The same thing happened when I tried calling another number listed on the Way2Go App as a Customer Service number at XXXX, as I called 6 times on XX/XX/XXXX and XXXX, on this number. On top of going through all that mess, I noticed that the bank charged me {$0.00} four times on XX/XX/XXXX, XXXX, and the XXXX possibly due to me calling so much, on the numbers listed above, to try to get through to an agent to dispute my charge. Each time I called, I chose the " dispute '' option, however, it informed me of my balance each time, although, I never requested for my balance. Way2Go charges {$0.00} if you check your balance more than 5 times per month. I would like them to release my funds back into my account as it is rightfully mine 's as well as refund me the 4 charges of {$0.00} because my calls were not for the intent of checking my balance.
Product: Credit reporting or other personal consumer reports

After disputing unauthorized use with police reports and company information from all 3 credit reporting agencies providing proof of me being the victim of unauthorized use and fraud! 
Transunion and XXXX and XXXX still has history and accounts that accept to be removed and also proven to be removed completely, are still on all 3 credit reports for the 2 yrs and the present! 
I want XXXX XXXX  and XXXX XXXX, XXXX  to be removed permanently from all 3 credit reporting agencies!!
Product: Credit card or prepaid card

I have tried to apply a mortgage loan and discover a fraudulent account in my credit report that I have never applied. I am a victim of identity theft and someone opened a fraudulent account ( XXXX XXXX XXXX XXXX and account no : XXXX ) without my permission or knowledge. I've filed an identity theft report and submitted this document to the credit reporting agencies : Experian, XXXX, and XXXX, and also XXXX XXXX XXXX asking to block and remove fraudulent account from my credit report. The credit reporting agencies removed XXXX XXXX XXXX XXXX account ( partial account no : XXXX ) from my credit report, but recently I have checked my credit history and I discovered that Experian reinserted the fraudulent account back to my credit. I have contacted with Experian but they refuse to help me to delete reinserted fraudulent account from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request that my name be updated on the Credit Bureaus, as per my ID info. I have never gone by any other name outside of XXXX XXXX, XXXX. XXXX has XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
XXXX added XXXX XXXX, XXXX. 
I asked that the following addresses be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Also The following Collection companies as I don't owe them anything : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all three Bureaus ), XXXX XXXX XXXX XXXXXXXX and Equifax ), XXXXXXXX XXXX  ( all three Bureaus )
Product: Debt collection

I have received several harassing phone calls since XXXX XXXX, 2018 to the present day of this writing ( XXXX XXXX, 2018 ) from various representatives giving a variety of names ( XXXX XXXX ... .XXXX XXXX are two of the names they are using ) from a company calling itself XXXX ( United Check Recovery Bureau ... the address from the Better Business Bureau is XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX. One of the many telephone numbers they utilize is XXXX. 

The only way I know the name of the company is that I have done extensive online investigation on the telephone numbers they are calling from ... rarely do they identify themselves. They have called me at home, on my cell, at work, and now are calling several of my relatives. I do not know any information on the debt they claim to be collecting. I have sent them a validation letter, and a cease and desist letter, and also given them the name of my attorney and demanded they work through her, but they keep calling. 

My nephew who lives in a different state called to me today to tell me that this company called him asking my whereabouts. They know my whereabouts because I have contacted them and they have my address. This is just an intimidation tactic they are using. They have failed to validate the debt and keep telling me that they " emailed the information '' to me ... which they did not, and besides, a valid validation should be in writing. The representatives are rude, harassing, and this XXXX XXXX sounds as if she has been smoking since birth. Please help this is causing incredible problems with my employer. If you google XXXX or Unite Check Recovery Bureau ... .there is a multitude of complaints on various websites about their harassing tactics.
Product: Vehicle loan or lease

I want to provide USAA with additional prove that I was a victim of fraud back in XX/XX/2014. Again the case was tried in the court of Law by the State Attorney Generals office if Delaware Case Number # XXXX. In this compliant I want to provide USSA a copy of the Bank Wire from my personal bank account where I paid for the car with my personal funds. In addition to the documentation I am enclosing an email correspondence, in which XXXX XXXX XXXX acknowledged to have received a direct wire from me to purchase the XXXX XXXX XXXX XXXX, which provides verification of fraud.
Product: Checking or savings account

I already opened a case with Consumer Finance ( my case number is XXXX ) concerning a CD at OZK Bank . ( In short, they closed my CD after XXXX weeks, without any notification, and sent the principal approx XXXX $ back to my account at XXXX. No mention of the interest. So I contacted your organization. a few. days ago, I received a paper statement from OZK demonstrating that approximately XXXX $ had accumulated.. Today I called OZK and the manager agrred to transfer the XXXX $ to XXXX BUT I asked why theyhad decreased the XXXX % from 6 % that I expected to 5.3 % and she said because the account was cled early. ( Usually, if the client closes early then that is understandable to have a punishment but when the bank closes early the original terms are honored ( ie I should get the 5.6 % apy ) Thank you XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX2017 someone used my name and social security number, to open an account with Comenity Bank/Wayfair card. credit limit {$1000.00}