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

I checked my credit report and found inaccuracies. They verified the account so I sent a request to experian via certified mail asking for method of verification. I also challenged XXXX XXXX compliance.They have not provided me with documentation showing how they verified these accounts. They also sent me a letter stating they will not reinvestigate if i do not provide them with information but they did not provide me with what i asked for. I want to remind experian that as in XXXX v. XXXX XXXX XXXX, No.XXXX ( XXXX. XXXX. XXXX XXXX, 1995 ), you maybe liable for your willful non-compliance.They is taking away my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is making updates on an account that his been paid and closed for years!! Updating after an account has been paid and closed is a clear violation. This account has never been touched nor disputed and I don't know why after so many years, they are making updates! They are making violation updates and affecting my credit file. This accounts needs to removed off of my credit.
Product: Credit card

On XX/XX/2023, I opened a credit card fraud claim with Bank of America after I noticed 2 unauthorized transactions on my credit card on XX/XX/XXXX : {$200.00} and {$12.00}. 

On XX/XX/2023, Bank of America rejected my fraud claim stating that my physical card was used for the transaction, indicating " you or someone you allowed to use your card was present ''. I explained that I was a victim of a fraudulent taxi scam in another country I was traveling in and was used unlawfully. My card was " rejected '' by the driver so I was told to pay in cash. Only to find out that my card was skimmed. I discovered that 2 unauthorized transactions were made to my credit card as a result of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account numberXXXX, 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 See Below for credit reporting account informaion : XXXX Account XXXX XXXX XXXX Account number123524X XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Equifax Account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on XXXX and XXXX  2. You verified High Balance as "  {$2000.00} '', on all account beginning in XXXX, which is not correct 3.  You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 6. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 7. Actual Payment Amount is {$0.00} on XXXX and Experian 8. Actual Payment Amount is thousands of dollars off on all accounts on XXXX compared to High Credit 9. Account Status on Transunion and XXXX is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts onXX/XX/XXXX on XXXX, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Properly Handle Identity Theft Dispute Demand for Immediate Removal File Number : XXXX Disputed Account : XXXX XXXX ( Account No. XXXX ) To Whom It May Concern, I am writing to formally dispute the XXXX XXXX account ( Account No. XXXX ) that has been improperly reinserted into my TransUnion credit report. Despite my submission of an identity theft report, which has been confirmed received via mail, TransUnion has failed to handle this matter in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681c-2, TransUnion is required to block fraudulent items from my credit file within four business days of receiving a valid identity theft report. However, when I contacted TransUnion, I was incorrectly told by a representative that the item could not be removed because it was reinserted. This is a direct violation of my rights under federal law.

Legal Basis for Immediate Removal Mandatory Blocking of Fraudulent Items : The FCRA requires that consumer reporting agencies block any item that is the result of identity theft within four business days of receiving an identity theft report.

TransUnion has confirmed receipt of my identity theft report but has refused to act in compliance with federal law.

Reinsertion Does Not Override My Rights : TransUnion can not legally refuse to block a fraudulent item simply because it was reinserted.

The law explicitly prohibits the reinsertion of a blocked item unless the furnisher provides verification that the account belongs to me, which I dispute.

Next Steps & Potential Escalation I demand that TransUnion immediately remove and block this fraudulent account from my credit report, in compliance with 15 U.S.C. 1681c-2. If this account is not removed within five business days, I will take the following steps : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office regarding TransUnions noncompliance.

Pursue legal action for willful noncompliance under 15 U.S.C. 1681n, which entitles me to damages, legal fees, and other remedies.

I expect written confirmation of this accounts removal and a corrected copy of my credit report reflecting this change. Please be advised that failure to comply with federal law will result in further action.
Product: Debt collection

Midland Credit Management calls me several times a day. Agents on the line use abusive nasty language. I have had agents call me and hang up in my face. I have asked that the company verify the debt and they just argue with me that it is my debt when I have repeatedly advised that it is not my debt. 

Midland Credit Management has refused to validate the debt or provide proof of the debt. I have been told that the amount that I woe is for {$690.00} however I dont know who they are collecting for and what the debt is for. Once again they have provided any information that this debt belongs to me. 

The last time that they called was 6 times today, XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT MAIL TO XXXX, XXXX AND TRANSUNION TELLING THEM TO PLEASE SEND ME VARIABLE PROOF OF THE ACCOUNTS THAT ARE INACCURATE. 

XXXX. XXXX XXXX XXXXE ACCNT # XXXX {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX {$980.00} XXXX ACCNT XXXX : XXXX {$1000.00} XXXX. XXXX XXXX XXXX XXXX # : XXXX XXXX. NO NAME ONLY THING IT SAYS XXXX, OH XXXX {$250.00} IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$230.00} XXXX. XXXX BANK XXXX CARD ACCNT # XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX 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
Product: Credit card or prepaid card

I notified the police on XX/XX/2020, I filed a report regarding credit cards being stolen personal items being stolen, etc. I have contacted the numerous credit cards I have sent them the credit report and I have filed fraudulent dispute. At this time they continue to charge me to the car to continue to stay open even though Ive closed them, I am at wits end I am XXXX and I have tried everything I can. I can not play the amount that theyre stating, I can not pay the minimum which they state I need to pay while its been resolved. I have sent them every documentation that they have requested. I need help
Product: Student loan

I could not connect online to my Nelnet account for more than 2 months Nobody answered my phone calls, even if I waited on the phone line 1h to 2 hr. 
I can not select how my payment to be applied ; Because of that, they charge more interest, and does not allow the principal to increase according to my plan. 
Only once in the last 5 month I could made a selection for my additional payment, and they still applied interest at the additional payment ; Nobody answered to provide explanations. 

I could not get the information that I needed regarding the government program for student loan reduction ( in the paper they give a link to some video, difficult to understand but not possible to access if I can not connect online to the site )
Product: Money transfer, virtual currency, or money service

Hi My name is XXXX XXXX XXXX.and I have got some issue here related coinbase funds withdraw. 
I have started total 2 withdraws on XX/XX/XXXX, which is amount {$3100.00} reference number : XXXX, and amount {$5400.00} reference number : XXXX to my XXXX XXXX XXXX account.i can see the money did hit my account, and have been posted.BUT the exactly same amount of money been DEDUCTED from my account by coinbase at same time.which means I didnt receive the money I mean to withdraw either in my bank account nor coinbase wallet.i have try to contact coinbase for this matter in past 15 days and havent got satisfied answer, the problems remain unresolved! i DEMAND coinbase to take it serious as this is quite big money for me! please understand my problem here and give me the solutions!
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. As a victim of identity theft, my personal information was fraudulently used, and now I am dealing with the consequences of an account I was never associated with. Following TransUnion 's instructions, I promptly filed an FTC Identity Theft Report and submitted all necessary documentation. Despite my efforts, this fraudulent item still remains on my credit report, which is both frustrating and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hope this will get the attention that is need because of the abuse The department is Equifax The office of Consumer Affairs. I Will provided the name of the people this complain get to do an investigation This list of issues with Equifax The Office Of Consumer Affairs that unfortunate has make my life a living I feel XXXX if the can get away with what they are doing then we really have a bigger problem. My hope is for this complain will find his way to the authorities who can only address the problem until I will not stop until this get accomplish. Some how my file lander on their hands by system mix file or manually my file was change with incorrect information I was told that my credit report with Equifax was not a right but a privilege and that privilege have been taken away for to use. As such they block my report or reporting credit scores. Because of someone without proper juristic ion feels that they say is what is going to be something is right 1.  Incorrect information on my report ( wrong address, fraud, incorrectly My identity was compromise fraudulent account place on my file permanently creating new issues base on the fact that they did follow as appropriate to prevent what follow 2 It has been 3 months now and nothing have been done i did as much as I could begging then to do something and no one cares Problem with a credit reporting company 's investigation without they having any idea why they made an error they mix my file know what is that are doing what is doing more problem to existing problem which as long as they do not remove information that does not belong to me They place a second Social Security Number on my file when I told that is not mine I prove that it was not with plenty of identification I did nothing Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes trouble placing or extending with a without allow me to have my telephone so that creditor will call me to confirm if I was the one opening an account They denied for me to put a freeze, what they did denied access completely They place wrong address, fraud, incorrectly shows accounts were open fraudulent Problem with a credit reporting company 's investigation into an existing problem All account activities on file is gone What? how? Information belongs to someone else ( identity theft, fraud, error ) Information is missing that should be on the report My employment history was remove gone Account information incorrect ( loan balance, payment amount ) Account status incorrect ( showing open account as closed, showing delinquent account when it 's not ) Personal information incorrect ( they have added new names no mine but they think is mine How? no prove but they reporting it regardless Public record information inaccurate ( bankruptcy, judgment, liens, criminal record )
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account is being reported on my account despite efforts to verify this debt with both the company ( letter attached ) and the Consumer Financial Protection Bureau. 

As seen from attachments, I asked XXXX XXXX  XXXX to verify this debt per Fair Credit reporting rules and they never responded to me or CFPB. The item is not mine as I do not owe ( please check my credit report ). I carry no balances with lenders except my home. 

I am requesting that this item be removed immediately from my report or I will pursue legal action against the reporting bureau.
Product: Debt collection

**I filed a ch XXXX BK in XX/XX/XXXX** I was sent a bill for over 5,000 for old parking tickets dating back to XXXX. Most tickets were under an " XXXX XXXX '' and 2 cars were not mine. I called the city to dispute and they told me to get a letter from the secretary of state stating those cars are not mine or records purged. I sent them that letter in XXXX and to this day they have not removed the tickets. My car has been booted/impounded. I got on a payment plan with Arnold Scott Harris ( collections ) who is very aggressive and refuses to send me a monthly statement or bill. So i never know when my payment is due and what I owe. 

I keep falling off the payment plan due to this and when i do they suspend me from XXXX/XXXX and put me on the boot list. Everytime I call Arnold Scott Harris back they shake me down for another 50 % down which I don't have. I have sent both the City and Collections the letters from the Sec of State showing those cars are not mine, but they go ignored and aggressive collection activity continues. 

Also, I filed a Ch. XXXX BK in XXXX which qualifies me for the City of XXXX 's " Fresh Start '' program, which waived all tickets older than 3 years. Both the collection agency and the city are aware of my BK ( I have emails proving all this ) and they have not waived my old tickets. 90 % of my tickets are older than 3 years. Please help!
Product: Debt collection

This company has been reporting on my credit report for a while and has never validated or verified this so called debt, even after multiple requests. They are violating quite a few of my rights as a consumer and it needs to stop.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to contact Equifax regarding an inaccurate account on my Credit Report. This account is reported as XXXX XXXX XXXX, and it is a closed account listed as a charge-off for {$70.00}. I have never acknowledged this debt, and the address associated with it is not one I have lived at. When I provided proof of residency, the address was updated to my current one with the XXXXXXXX XXXX XXXX. Although XXXX and XXXX have deleted this account due to inaccurate reporting, Equifax keeps responding with only " verified '' and a statement of the account 's payment history. Despite my requests for more information about this debt, Equifax has failed to comply for over 90 days. I have sent Equifax XXXX letters in the past XXXX months asking for more information, dated and notarized on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested the name, business address, and telephone number of the person or business contacted during the reinvestigation, the name of the person who verified the dispute with the original creditor, and the documentation used to verify the dispute. None of this has been provided to me. This issue is causing financial hardship as this account is affecting my ability to purchase my first home. I am seeking help to resolve this matter, as I am perplexed by the discrepancy where multiple companies say an account is inaccurate and not mine, yet Equifax continues to report it without accurate documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer bought a vehicle in XXXX that was repossessed in XXXX of XXXX. In XX/XX/XXXX the vehicle was sold at auction and then the remainder was charged off ( co ). The company continued to record a co every month until I filed a complaint in XX/XX/XXXX after receiving a settlement in the mail from a civil case the consumers won against Santander. Case attached. The company stopped reporting the negative information once I filed a dispute. But they did not fix the 3 years of monthly negative information prior to the dispute date. Consumer would like the report corrected back to the date of the erroneous information being sent. Once the balance is ( co ) the consumer no longer has an account with Santander, therefore they should no longer be reporting any information. 

Also because of the lawsuit XXXX and XXXX no longer records information from Santander on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, # XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX, 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, # XXXX /XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, 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. 
















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Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a complaint by United State postal certified mail ( Equifax complaint # XXXX ) and through your system XX/XX/2019 ( complaint # XXXX ). There is still and item on my report that is pending and its been over 40 days. You sent me a confirmation that you sent the request to Equifax on XX/XX/2019 and Equifax even responded that they received the request on XX/XX/XXXX. However one item is still on my report : The account that should be deleted is : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has a ) balance, howver it's being reported as a " charge-off '', that's incorrect. It was paid via credit consolidation, as " paid for less than owed/settled '' The payment status should be corrected to that.
Product: Credit card

My cardmembership with American Express entitles me to access the XXXX. XXXX in turn gives me free shipping when I make purchases through their network of retailers. My most recent purchase, which I made using XXXX mobile application on my XXXX was completely botched. I ordered XXXX items, but only XXXX was communicated to their affiliated retailer for fulfillment. I should have received free shipping, but did not. The CFPB needs to know that American Express is doing business with partners that create issues for consumers.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however, the information was not provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, FTC complaint, a copy of the report showing my information in the data breach, and a validation of debt letter.